Fair IsaacFRA:FRI +3.36%87 EV-to-FCF is 36.43 as of Jun. 29, 2026, which is 10% below its 10-year median of 40.37. GuruFocus rates FRA:FRI with a GF Score™ of 87/100 and a GF Value™ of €1,847.87 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,588 Software companies, Fair Isaac ranks worse than 78.9% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Fair Isaac's Enterprise Value is €27,169 Mil.
Fair Isaac's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €746 Mil. Therefore, Fair Isaac's EV-to-FCF for today is 36.43.
The historical rank and industry rank for Fair Isaac's EV-to-FCF or its related term are showing as below:
FRA:FRI'
s EV-to-FCF Range Over the Past 10 Years
Min: 19.03 Med: 40.37 Max: 100.9
Current: 35.61
During the past 13 years, the highest EV-to-FCF of Fair Isaac was 100.90. The lowest was 19.03. And the median was 40.37.
FRA:FRI's EV-to-FCF is ranked worse than 78.9% of 1588
companies
in the Software industry
Industry Median: 13.98
vs FRA:FRI: 35.61
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €1046.00.
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 €27.167.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Fair Isaac EV-to-FCF Related Terms
Fair Isaac EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Fair Isaac's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Software Industry
For the Software industry and Technology sector, Fair Isaac's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Fair Isaac's EV-to-FCF falls into.
Fair Isaac's current Enterprise Value is €27,169 Mil.
Fair Isaac's Free Cash Flow 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 €746 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 (FRA:FRI) has a EV-to-FCF of 36.43 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Fair Isaac and its competitors. This is 10% below median its historical median of 40.37. Over the past decade, Fair Isaac's EV-to-FCF has ranged from 19.03 to 100.90. According to the industry distribution chart, Fair Isaac ranks #1253 out of 1588 companies in the Software industry, placing it in the top 78.9%.
Is Fair Isaac's EV-to-FCF too high?
Fair Isaac's current EV-to-FCF of 36.43 is 10% below median its 10-year median of 40.37. Over the past 10 years, this metric has ranged from a low of 19.03 to a high of 100.90. The Software industry median EV-to-FCF is 13.98. Fair Isaac's value of 36.43 is 160.6% above this industry median. Based on the distribution chart, Fair Isaac ranks #1253 out of 1588 companies in the Software industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to MSTR and ZM?
According to the Software industry distribution chart, Fair Isaac ranks #1253 out of 1588 companies for EV-to-FCF. This places Fair Isaac in the lower half of its industry. The industry median EV-to-FCF is 13.98. Fair Isaac's value of 36.43 is 160.6% above this benchmark. Historically, Fair Isaac's own EV-to-FCF has ranged from 19.03 to 100.90 over the past decade. While the company's 10-year median is 40.37 vs. the industry median of 13.98, 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-FCF for a Software company?
The median EV-to-FCF among Software companies is 13.98, based on 1,588 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fair Isaac's current EV-to-FCF of 36.43 is 160.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Fair Isaac and its competitors. For the Software industry, the median EV-to-FCF is 13.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fair Isaac's current EV-to-FCF is 36.43, which is 10% below median its own 10-year median of 40.37. 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 €1,847.87, compared to a current price of €1,046.00 — trading 43.4% below its estimated fair value. The current EV-to-FCF is 36.43, which is 10% below median its 10-year median of 40.37 and 160.6% above the Software industry median of 13.98. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Fair Isaac (FRA:FRI), the current EV-to-FCF is 36.43 as of Jun. 29, 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 €1,046.00 is trading 43.4% below its estimated GF Value™ of €1,847.87.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FRA:FRI:
EV-to-FCF: 36.43 (10% below median its 10-year median of 40.37)
GF Value™: €1,847.87 vs. price of €1,046.00 (43.4% below fair value)
Industry Position: 160.6% above the Software median (#1253 of 1588)
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.
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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