Fair Isaac (MIL:1FICO) Cyclically Adjusted PB Ratio: (As of Jul. 30, 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.
Reviewed by: Charlie Tian Charlie Tian
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
25 GF Score
Price €1,211.00
GF Value €2,107.88
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  (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
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 ZM, WDAY, MSTR: 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
25GF 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 Jun. 2026 is calculated as:

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

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-156.645/333.9520*333.9520
=-156.645

Current CPI (Jun. 2026) = 333.9520.

Fair Isaac Quarterly Data

Book Value per Share CPI Adj_Book
201609 12.870 241.428 17.802
201612 12.837 241.432 17.756
201703 12.898 243.801 17.667
201706 12.538 244.955 17.093
201709 11.833 246.819 16.010
201712 10.774 246.524 14.595
201803 10.077 249.554 13.485
201806 8.603 251.989 11.401
201809 8.490 252.439 11.231
201812 6.894 251.233 9.164
201903 7.538 254.202 9.903
201906 8.208 256.143 10.701
201909 9.090 256.759 11.823
201912 7.430 256.974 9.656
202003 6.664 258.115 8.622
202006 7.572 257.797 9.809
202009 9.661 260.280 12.396
202012 9.113 260.474 11.684
202103 6.506 264.877 8.203
202106 3.650 271.696 4.486
202109 -3.421 274.310 -4.165
202112 -17.971 278.802 -21.526
202203 -23.185 287.504 -26.931
202206 -31.748 296.311 -35.781
202209 -32.200 296.808 -36.230
202212 -30.100 296.797 -33.868
202303 -28.778 301.836 -31.840
202306 -26.104 305.109 -28.572
202309 -26.025 307.789 -28.237
202312 -26.751 306.746 -29.124
202403 -27.342 312.332 -29.235
202406 -31.364 314.175 -33.338
202409 -35.560 315.301 -37.663
202412 -44.469 315.605 -47.054
202503 -42.697 319.799 -44.587
202506 -50.282 322.561 -52.058
202509 -62.591 324.800 -64.355
202512 -64.981 324.054 -66.966
202603 -78.039 330.213 -78.923
202606 -156.645 333.952 -156.645

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 €1,211.00 is trading 42.5% below its estimated GF Value™ of €2,107.88. GuruFocus considers Fair Isaac to be Significantly Undervalued.

Key valuation signals for MIL:1FICO:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €2,107.88 vs. price of €1,211.00 (42.5% below fair value)
  • GF Score™: 25/100 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.
25GF 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.

€1,211.00
Price
€2,107.88
GF Value