Fair IsaacFICO -2.23%88 EV-to-EBITDA is 27.91 as of Jul. 11, 2026, which is 20% below its 10-year median of 35.01. GuruFocus rates FICO with a GF Score™ of 88/100 and a GF Value™ of $2,112.92 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,946 Software companies, Fair Isaac ranks worse than 78.62% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Fair Isaac's enterprise value is $32,447 Mil.
Fair Isaac's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $1,163 Mil. Therefore, Fair Isaac's EV-to-EBITDA for today is 27.91.
The historical rank and industry rank for Fair Isaac's EV-to-EBITDA or its related term are showing as below:
FICO'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 18.09 Med: 35.01 Max: 80.48
Current: 27.91
During the past 13 years, the highest EV-to-EBITDA of Fair Isaac was 80.48. The lowest was 18.09. And the median was 35.01.
FICO's EV-to-EBITDA is ranked worse than 78.62% of 1946
companies
in the Software industry
Industry Median: 10.49
vs FICO: 27.91
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Fair Isaac (NYSE:FICO) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Fair Isaac's share price for today is $1250.90.
Fair Isaac's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $31.570.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Fair Isaac's EV-to-EBITDA 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.
For the Software - Application subindustry, Fair Isaac's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Fair Isaac's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Fair Isaac's EV-to-EBITDA falls into.
Fair Isaac's current Enterprise Value is $32,447 Mil.
Fair Isaac's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,163 Mil.
* 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 (FICO) has a EV-to-EBITDA of 27.91 as of Jul. 11, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Fair Isaac. This is 20% below median its historical median of 35.01. Over the past decade, Fair Isaac's EV-to-EBITDA has ranged from 18.09 to 80.48. According to the industry distribution chart, Fair Isaac ranks #1530 out of 1946 companies in the Software industry, placing it in the top 78.6%.
Is Fair Isaac's EV-to-EBITDA too high?
Fair Isaac's current EV-to-EBITDA of 27.91 is 20% below median its 10-year median of 35.01. Over the past 10 years, this metric has ranged from a low of 18.09 to a high of 80.48. The Software industry median EV-to-EBITDA is 10.49. Fair Isaac's value of 27.91 is 166.1% above this industry median. Based on the distribution chart, Fair Isaac ranks #1530 out of 1946 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Fair Isaac has a GF Score™ of 88/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fair Isaac's EV-to-EBITDA compare to MSTR and ZM?
According to the Software industry distribution chart, Fair Isaac ranks #1530 out of 1946 companies for EV-to-EBITDA. This places Fair Isaac in the lower half of its industry. The industry median EV-to-EBITDA is 10.49. Fair Isaac's value of 27.91 is 166.1% above this benchmark. Historically, Fair Isaac's own EV-to-EBITDA has ranged from 18.09 to 80.48 over the past decade. While the company's 10-year median is 35.01 vs. the industry median of 10.49, 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 EV-to-EBITDA for a Software company?
The median EV-to-EBITDA among Software companies is 10.49, based on 1,946 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fair Isaac's current EV-to-EBITDA of 27.91 is 166.1% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Fair Isaac. For the Software industry, the median EV-to-EBITDA is 10.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fair Isaac's current EV-to-EBITDA is 27.91, which is 20% below median its own 10-year median of 35.01. 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 $2,112.92, compared to a current price of $1,250.90 — trading 40.8% below its estimated fair value. The current EV-to-EBITDA is 27.91, which is 20% below median its 10-year median of 35.01 and 166.1% above the Software industry median of 10.49. Fair Isaac's overall GF Score™ is 88/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Fair Isaac (FICO), the current EV-to-EBITDA is 27.91 as of Jul. 11, 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 $1,250.90 is trading 40.8% below its estimated GF Value™ of $2,112.92.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
EV-to-EBITDA: 27.91 (20% below median its 10-year median of 35.01)
GF Value™: $2,112.92 vs. price of $1,250.90 (40.8% below fair value)
Industry Position: 166.1% above the Software median (#1530 of 1946)
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.
88GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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