Fair Isaac (MIL:1FICO) Cyclically Adjusted PB Ratio: (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MIL:1FICO Fair Isaac Corp MIL:1FICO
88 GF Score
Price €1,088.00
GF Value €1,903.28
! 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  (MIL:1FICO) 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

MIL:1FICO 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.


MIL:1FICO
88GF Score
Fair Isaac Corp MIL:1FICO
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)
=-78.039/330.2130*330.2130
=-78.039

Current CPI (Mar. 2026) = 330.2130.

Fair Isaac Quarterly Data

Book Value per Share CPI Adj_Book
201606 12.308 241.018 16.863
201609 12.870 241.428 17.603
201612 12.837 241.432 17.558
201703 12.898 243.801 17.470
201706 12.538 244.955 16.902
201709 11.833 246.819 15.831
201712 10.774 246.524 14.432
201803 10.077 249.554 13.334
201806 8.603 251.989 11.274
201809 8.490 252.439 11.106
201812 6.894 251.233 9.061
201903 7.538 254.202 9.792
201906 8.208 256.143 10.582
201909 9.090 256.759 11.690
201912 7.430 256.974 9.548
202003 6.664 258.115 8.525
202006 7.572 257.797 9.699
202009 9.661 260.280 12.257
202012 9.113 260.474 11.553
202103 6.506 264.877 8.111
202106 3.650 271.696 4.436
202109 -3.421 274.310 -4.118
202112 -17.971 278.802 -21.285
202203 -23.185 287.504 -26.629
202206 -31.748 296.311 -35.380
202209 -32.200 296.808 -35.824
202212 -30.100 296.797 -33.489
202303 -28.778 301.836 -31.484
202306 -26.104 305.109 -28.252
202309 -26.025 307.789 -27.921
202312 -26.751 306.746 -28.798
202403 -27.342 312.332 -28.907
202406 -31.364 314.175 -32.965
202409 -35.560 315.301 -37.242
202412 -44.469 315.605 -46.527
202503 -42.697 319.799 -44.087
202506 -50.282 322.561 -51.475
202509 -62.591 324.800 -63.634
202512 -64.981 324.054 -66.216
202603 -78.039 330.213 -78.039

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 (MIL:1FICO) Overvalued in 2026?

Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued. The current stock price of €1,088.00 is trading 42.8% below its estimated GF Value™ of €1,903.28.

Key valuation signals for MIL:1FICO:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €1,903.28 vs. price of €1,088.00 (42.8% below fair value)
  • GF Score™: 88/100 with 1 warning sign

No single metric tells the full story. See the MIL:1FICO 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.
88GF Score

Get the complete analysis for MIL:1FICO

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

€1,088.00
Price
€1,903.28
GF Value