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Fair IsaacFICO +0.92%86 3-Year EPS without NRI Growth Rate is 20.20% as of Jun. 2026, which is 20% above its 10-year median of 16.90. GuruFocus rates FICO with a GF Score™ of 86/100 and a GF Value™ of $2,214.47 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 2,076 Software companies, Fair Isaac ranks better than 61.56% on this metric.
During the past 12 months, Fair Isaac's average EPS without NRI Growth Rate was 57.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 20.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 22.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 22.60% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Fair Isaac was 93.40% per year. The lowest was -32.40% per year. And the median was 16.90% per year.
Fair Isaac (NYSE:FICO) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Fair Isaac 3-Year EPS without NRI Growth Rate Related Terms
FICO vs ZM, WDAY, MSTR: 3-Year EPS without NRI Growth Rate Comparison
For the Software - Application subindustry, Fair Isaac's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Software Industry
For the Software industry and Technology sector, Fair Isaac's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Fair Isaac's 3-Year EPS without NRI Growth Rate falls into.
Fair Isaac 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 20.20% mean?
Fair Isaac (FICO) has a 3-Year EPS without NRI Growth Rate of 20.20% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Fair Isaac and its competitors. This is 20% above median its historical median of 16.90. According to the industry distribution chart, Fair Isaac ranks #798 out of 2076 companies in the Software industry, placing it in the top 38.4%.
Is Fair Isaac's 3-Year EPS without NRI Growth Rate too high?
Fair Isaac's current 3-Year EPS without NRI Growth Rate of 20.20% is 20% above median its 10-year median of 16.90. The Software industry median 3-Year EPS without NRI Growth Rate is 12.40. Fair Isaac's value of 20.20% is 62.9% above this industry median. Based on the distribution chart, Fair Isaac ranks #798 out of 2076 companies in the Software industry, which is above the industry midpoint. Overall, Fair Isaac has a GF Score™ of 86/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fair Isaac's 3-Year EPS without NRI Growth Rate compare to ZM and WDAY?
According to the Software industry distribution chart, Fair Isaac ranks #798 out of 2076 companies for 3-Year EPS without NRI Growth Rate. This puts Fair Isaac in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 12.40. Fair Isaac's value of 20.20% is 62.9% above this benchmark. While the company's 10-year median is 16.90 vs. the industry median of 12.40, Fair Isaac has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Software company?
The median 3-Year EPS without NRI Growth Rate among Software companies is 12.40, based on 2,076 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fair Isaac's current 3-Year EPS without NRI Growth Rate of 20.20% is 62.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Fair Isaac and its competitors. For the Software industry, the median 3-Year EPS without NRI Growth Rate is 12.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fair Isaac's current 3-Year EPS without NRI Growth Rate is 20.20%, which is 20% above median its own 10-year median of 16.90. 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 (FICO) is currently considered Significantly Undervalued. The stock's GF Value™ is $2,214.47, compared to a current price of $1,041.40 — trading 53% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 20.20%, which is 20% above median its 10-year median of 16.90 and 62.9% above the Software industry median of 12.40. Fair Isaac's overall GF Score™ is 86/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Fair Isaac (FICO), the current 3-Year EPS without NRI Growth Rate is 20.20% as of Jun. 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 (FICO) Overvalued in 2026?
Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued.
The current stock price of $1,041.40 is trading 53% below its estimated GF Value™ of $2,214.47.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
3-Year EPS without NRI Growth Rate: 20.20% (20% above median its 10-year median of 16.90)
GF Value™: $2,214.47 vs. price of $1,041.40 (53% below fair value)
Industry Position: 62.9% above the Software median (#798 of 2076)
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.
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.
86GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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