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Fair IsaacFICO +1.28%87 3-Year EBITDA Growth Rate is 22.10% as of Mar. 2026, which is 33% above its 10-year median of 16.60. GuruFocus rates FICO with a GF Score™ of 87/100 and a GF Value™ of $2,126.07 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,078 Software companies, Fair Isaac ranks better than 65.06% on this metric.
During the past 12 months, Fair Isaac's average EBITDA Per Share Growth Rate was 44.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 22.10% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 25.70% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 23.50% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Fair Isaac was 73.40% per year. The lowest was -19.70% per year. And the median was 16.60% per year.
Fair Isaac (NYSE:FICO) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Fair Isaac 3-Year EBITDA Growth Rate Related Terms
FICO vs MSTR, ZM, WDAY: 3-Year EBITDA Growth Rate Comparison
For the Software - Application subindustry, Fair Isaac's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Software Industry
For the Software industry and Technology sector, Fair Isaac's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Fair Isaac's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 22.10% mean?
Fair Isaac (FICO) has a 3-Year EBITDA Growth Rate of 22.10% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Fair Isaac and its competitors. This is 33% above median its historical median of 16.60. According to the industry distribution chart, Fair Isaac ranks #726 out of 2078 companies in the Software industry, placing it in the top 34.9%.
Is Fair Isaac's 3-Year EBITDA Growth Rate too high?
Fair Isaac's current 3-Year EBITDA Growth Rate of 22.10% is 33% above median its 10-year median of 16.60. The Software industry median 3-Year EBITDA Growth Rate is 12.40. Fair Isaac's value of 22.10% is 78.2% above this industry median. Based on the distribution chart, Fair Isaac ranks #726 out of 2078 companies in the Software industry, which is above the industry midpoint. 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 3-Year EBITDA Growth Rate compare to MSTR and ZM?
According to the Software industry distribution chart, Fair Isaac ranks #726 out of 2078 companies for 3-Year EBITDA Growth Rate. This puts Fair Isaac in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 12.40. Fair Isaac's value of 22.10% is 78.2% above this benchmark. While the company's 10-year median is 16.60 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 EBITDA Growth Rate for a Software company?
The median 3-Year EBITDA Growth Rate among Software companies is 12.40, based on 2,078 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 22.10% is 78.2% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Fair Isaac and its competitors. For the Software industry, the median 3-Year EBITDA 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 EBITDA Growth Rate is 22.10%, which is 33% above median its own 10-year median of 16.60. 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 $2,126.07, compared to a current price of $1,257.11 — trading 40.9% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 22.10%, which is 33% above median its 10-year median of 16.60 and 78.2% above the Software industry median of 12.40. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Fair Isaac (FICO), the current 3-Year EBITDA Growth Rate is 22.10% 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 (FICO) Overvalued in 2026?
Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued.
The current stock price of $1,257.11 is trading 40.9% below its estimated GF Value™ of $2,126.07.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
3-Year EBITDA Growth Rate: 22.10% (33% above median its 10-year median of 16.60)
GF Value™: $2,126.07 vs. price of $1,257.11 (40.9% below fair value)
Industry Position: 78.2% above the Software median (#726 of 2078)
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.
87GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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