FICO (Fair Isaac) Moat Score: 8/10 (As of Jun. 24, 2026)


FICO Fair Isaac Corp FICO
87 GF Score
Price $1,143.34
GF Value $2,086.40
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Fair Isaac Moat Score?

Fair Isaac FICO +4.00% 87 Moat Score is 8 as of Jun. 24, 2026. GuruFocus rates FICO with a GF Score™ of 87/100 and a GF Value™ of $2,086.40 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,847 Software companies, Fair Isaac ranks better than 99.86% on this metric.

Fair Isaac has the Moat Score of 8, which implies that the company might have Wide Moat - Clear and robust wide moat.

Fair Isaac has Wide Moat: Fair Isaac Corp possesses a robust wide moat due to its dominant market position in credit scoring, strong brand, and significant customer switching costs. The company benefits from valuable intellectual property and pricing power, supported by consistent innovation and R&D capabilities.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Fair Isaac might have Wide Moat - Clear and robust wide moat.

Fair Isaac  (NYSE:FICO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Fair Isaac Moat Score Related Terms

FICO vs ZM, TEAM, ROP: Moat Score Comparison

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

For the Software industry and Technology sector, Fair Isaac's Moat Score distribution charts can be found below:

* The bar in red indicates where Fair Isaac's Moat Score falls into.


FICO
87GF Score
Fair Isaac Corp FICO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 8 mean?
Fair Isaac (FICO) has a Moat Score of 8 as of Jun. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Fair Isaac ranks #4 out of 2847 companies in the Software industry, placing it in the top 0.099999999999994%.
Is Fair Isaac's Moat Score too high?
Fair Isaac's current Moat Score is 8. Based on the distribution chart, Fair Isaac ranks #4 out of 2847 companies in the Software industry, which is in the top quartile — a strong position 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 Moat Score compare to ZM and TEAM?
According to the Software industry distribution chart, Fair Isaac ranks #4 out of 2847 companies for Moat Score. This places Fair Isaac in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Fair Isaac's current Moat Score is 8. 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 $2,086.40, compared to a current price of $1,143.34 — trading 45.2% below its estimated fair value. The current Moat Score is 8. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Fair Isaac (FICO), the current Moat Score is 8 as of Jun. 24, 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 $1,143.34 is trading 45.2% below its estimated GF Value™ of $2,086.40. GuruFocus considers Fair Isaac to be Significantly Undervalued.

Key valuation signals for FICO:

  • Moat Score: 8
  • GF Value™: $2,086.40 vs. price of $1,143.34 (45.2% below fair value)
  • GF Score™: 87/100 with 1 warning sign

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.

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

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

$1,143.34
Price
$2,086.40
GF Value