Fair Isaac (FRA:FRI) E10: €12.84 (As of Mar. 2026)


FRA:FRI Fair Isaac Corp FRA:FRI
87 GF Score
Price €1,012.00
GF Value €1,777.34
Valuation Significantly Undervalued
! 1 Warning Sign
View Full Analysis

What is Fair Isaac E10?

Fair Isaac FRA:FRI 87 E10 is €12.84 as of Mar. 2026. GuruFocus rates FRA:FRI with a GF Score™ of 87/100 and a GF Value™ of €1,777.34 (Significantly Undervalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Fair Isaac's adjusted earnings per share data for the three months ended in Mar. 2026 was €9.636. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €12.84 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Fair Isaac's average E10 Growth Rate was 26.80% per year. During the past 3 years, the average E10 Growth Rate was 23.50% per year. During the past 5 years, the average E10 Growth Rate was 25.90% per year. During the past 10 years, the average E10 Growth Rate was 21.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Fair Isaac was 28.50% per year. The lowest was 4.60% per year. And the median was 16.90% per year.

As of today (2026-06-26), Fair Isaac's current stock price is €1012.00. Fair Isaac's E10 for the quarter that ended in Mar. 2026 was €12.84. Fair Isaac's Shiller PE Ratio of today is 78.82.

During the past 13 years, the highest Shiller PE Ratio of Fair Isaac was 224.27. The lowest was 48.28. And the median was 92.15.


Fair Isaac  (FRA:FRI) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Fair Isaac's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1012.00/12.84
=78.82

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Fair Isaac was 224.27. The lowest was 48.28. And the median was 92.15.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Fair Isaac E10 Related Terms


Fair Isaac E10 Historical Data

* Premium members only.

The historical data trend for Fair Isaac's E10 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 E10 Chart

Fair Isaac Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.67 7.34 8.34 9.41 11.36

Fair Isaac Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 10.95 10.67 11.36 12.16 12.84

FRA:FRI vs ZM, TEAM, ROP: E10 Comparison

For the Software - Application subindustry, Fair Isaac's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Software Industry

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

* The bar in red indicates where Fair Isaac's Shiller PE Ratio falls into.


FRA:FRI
87GF Score
Fair Isaac Corp FRA:FRI
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fair Isaac E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

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

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=9.636/330.2130*330.2130
=9.636

Current CPI (Mar. 2026) = 330.2130.

Fair Isaac Quarterly Data

per share eps CPI Adj_EPS
201606 0.961 241.018 1.317
201609 0.891 241.428 1.219
201612 1.100 241.432 1.504
201703 0.729 243.801 0.987
201706 0.694 244.955 0.936
201709 1.049 246.819 1.403
201712 0.879 246.524 1.177
201803 0.811 249.554 1.073
201806 0.813 251.989 1.065
201809 1.405 252.439 1.838
201812 1.160 251.233 1.525
201903 0.974 254.202 1.265
201906 1.876 256.143 2.418
201909 1.634 256.759 2.101
201912 1.638 256.974 2.105
202003 1.756 258.115 2.246
202006 1.909 257.797 2.445
202009 1.681 260.280 2.133
202012 2.384 260.474 3.022
202103 1.957 264.877 2.440
202106 4.299 271.696 5.225
202109 2.550 274.310 3.070
202112 2.735 278.802 3.239
202203 3.587 287.504 4.120
202206 3.415 296.311 3.806
202209 3.586 296.808 3.990
202212 3.625 296.797 4.033
202303 3.736 301.836 4.087
202306 4.689 305.109 5.075
202309 3.757 307.789 4.031
202312 4.402 306.746 4.739
202403 4.747 312.332 5.019
202406 4.691 314.175 4.930
202409 4.901 315.301 5.133
202412 5.864 315.605 6.135
202503 6.096 319.799 6.295
202506 6.416 322.561 6.568
202509 5.470 324.800 5.561
202512 5.645 324.054 5.752
202603 9.636 330.213 9.636

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €12.84 mean?
Fair Isaac (FRA:FRI) has a E10 of €12.84 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Fair Isaac and its competitors.
Is Fair Isaac's E10 too high?
Fair Isaac's current E10 is €12.84. Overall, Fair Isaac has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fair Isaac's E10 compare to ZM and TEAM?
Fair Isaac's E10 of €12.84 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Software company?
A good E10 depends on the Software industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Fair Isaac and its competitors. Fair Isaac's current E10 is €12.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fair Isaac stock overvalued right now?
Based on GuruFocus' analysis, Fair Isaac (FRA:FRI) is currently considered Significantly Undervalued. The stock's GF Value™ is €1,777.34, compared to a current price of €1,012.00 — trading 43.1% below its estimated fair value. The current E10 is €12.84. Fair Isaac's overall GF Score™ is 87/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Fair Isaac (FRA:FRI), the current E10 is €12.84 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fair Isaac (FRA:FRI) Overvalued in 2026?

Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued. The current stock price of €1,012.00 is trading 43.1% below its estimated GF Value™ of €1,777.34. GuruFocus considers Fair Isaac to be Significantly Undervalued.

Key valuation signals for FRA:FRI:

  • E10: €12.84
  • GF Value™: €1,777.34 vs. price of €1,012.00 (43.1% below fair value)
  • GF Score™: 87/100 with 1 warning sign

No single metric tells the full story. See the FRA:FRI 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

Get the complete analysis for FRA:FRI

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1,012.00
Price
€1,777.34
GF Value