FICO (Fair Isaac) Cyclically Adjusted PB Ratio: (As of Jul. 05, 2026)


FICO Fair Isaac Corp FICO
87 GF Score
Price $1,270.83
GF Value $2,101.99
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Fair Isaac Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Fair Isaac  (NYSE:FICO) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Fair Isaac Cyclically Adjusted PB Ratio Related Terms


Fair Isaac Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Fair Isaac's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fair Isaac Cyclically Adjusted PB Ratio Chart

Fair Isaac Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 29.98 41.68 164.54 24,459.80 0.00

Fair Isaac Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

FICO vs MSTR, ZM, WDAY: Cyclically Adjusted PB Ratio Comparison

For the Software - Application subindustry, Fair Isaac's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Fair Isaac Cyclically Adjusted PB Ratio vs Software Industry

For the Software industry and Technology sector, Fair Isaac's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Fair Isaac's Cyclically Adjusted PB Ratio falls into.


FICO
87GF Score
Fair Isaac Corp FICO
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Fair Isaac Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Fair Isaac's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Fair Isaac's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book=Book Value per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-90.219/330.2130*330.2130
=-90.219

Current CPI (Mar. 2026) = 330.2130.

Fair Isaac Quarterly Data

Book Value per Share CPI Adj_Book
201606 13.829 241.018 18.947
201609 14.444 241.428 19.756
201612 13.541 241.432 18.520
201703 13.794 243.801 18.683
201706 14.087 244.955 18.990
201709 14.104 246.819 18.869
201712 12.750 246.524 17.078
201803 12.425 249.554 16.441
201806 10.050 251.989 13.170
201809 9.906 252.439 12.958
201812 7.843 251.233 10.309
201903 8.517 254.202 11.064
201906 9.274 256.143 11.956
201909 10.011 256.759 12.875
201912 8.256 256.974 10.609
202003 7.364 258.115 9.421
202006 8.527 257.797 10.922
202009 11.379 260.280 14.436
202012 11.086 260.474 14.054
202103 7.746 264.877 9.657
202106 4.398 271.696 5.345
202109 -4.024 274.310 -4.844
202112 -20.306 278.802 -24.050
202203 -25.534 287.504 -29.327
202206 -33.561 296.311 -37.401
202209 -31.881 296.808 -35.469
202212 -31.886 296.797 -35.476
202303 -30.812 301.836 -33.709
202306 -28.281 305.109 -30.608
202309 -27.775 307.789 -29.799
202312 -29.172 306.746 -31.404
202403 -29.720 312.332 -31.421
202406 -33.761 314.175 -35.484
202409 -39.467 315.301 -41.334
202412 -46.564 315.605 -48.719
202503 -46.159 319.799 -47.662
202506 -57.995 322.561 -59.371
202509 -73.463 324.800 -74.687
202512 -76.090 324.054 -77.536
202603 -90.219 330.213 -90.219

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Fair Isaac (FICO) Overvalued in 2026?

Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued. The current stock price of $1,270.83 is trading 39.5% below its estimated GF Value™ of $2,101.99. GuruFocus considers Fair Isaac to be Significantly Undervalued.

Key valuation signals for FICO:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: $2,101.99 vs. price of $1,270.83 (39.5% below fair value)
  • GF Score™: 87/100 with 1 warning sign

No single metric tells the full story. See the FICO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Fair Isaac Business Description

Address 5 West Mendenhall, Suite 105, Bozeman, MT, USA, 59715
Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's US-centric credit scores business accounts for most of the firm's revenue and profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.
87GF Score

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Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1,270.83
Price
$2,101.99
GF Value