Fair IsaacFICO -2.63%87 Peter Lynch Fair Value is $773.54 as of Jul. 08, 2026, which is 25945% above its 10-year median of 2.97. GuruFocus rates FICO with a GF Score™ of 87/100 and a GF Value™ of $2,108.22 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 684 Software companies, Fair Isaac ranks worse than 67.4% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Fair Isaac's PEG is 1. Fair Isaac's 5-Year TTM EBITDA Growth Rate is 22.12.
Fair Isaac's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $34.97. Therefore, the Peter Lynch Fair Value for today is $773.54.
As of today (2026-07-08), Fair Isaac's share price is $1266.08. Fair Isaac's Peter Lynch fair value is $773.54. Therefore, Fair Isaac's Price to Peter Lynch Fair Value Ratio for today is 1.64.
The historical rank and industry rank for Fair Isaac's Peter Lynch Fair Value or its related term are showing as below:
FICO'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.1 Med: 2.97 Max: 6.42
Current: 1.64
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Fair Isaac was 6.42. The lowest was 1.10. And the median was 2.97.
FICO's Price-to-Peter-Lynch-Fair-Value is ranked worse than 67.4% of 684
companies
in the Software industry
Industry Median: 1.23
vs FICO: 1.64
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Fair Isaac (NYSE:FICO) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 22.12 instead of 15 in this case.
Fair Isaac's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
1266.08
/
773.54
=
1.64
* 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 Peter Lynch Fair Value Related Terms
Fair Isaac Peter Lynch Fair Value Historical Data
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The historical data trend for Fair Isaac's Peter Lynch Fair Value 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.
FICO vs MSTR, ZM, WDAY: Peter Lynch Fair Value Comparison
For the Software - Application subindustry, Fair Isaac's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Software Industry
For the Software industry and Technology sector, Fair Isaac's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Fair Isaac's Price-to-Peter-Lynch-Fair-Value falls into.
Fair Isaac's EPS without NRI 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 $34.97.
* 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.
** Please be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $773.54 mean?
Fair Isaac (FICO) has a Peter Lynch Fair Value of $773.54 as of Jul. 08, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Fair Isaac and its competitors. This is 25945% above median its historical median of 2.97. Over the past decade, Fair Isaac's Peter Lynch Fair Value has ranged from 1.10 to 6.42. According to the industry distribution chart, Fair Isaac ranks #461 out of 684 companies in the Software industry, placing it in the top 67.4%.
Is Fair Isaac's Peter Lynch Fair Value too high?
Fair Isaac's current Peter Lynch Fair Value of $773.54 is 25945% above median its 10-year median of 2.97. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 6.42. The Software industry median Peter Lynch Fair Value is 1.23. Fair Isaac's value of $773.54 is 62789.4% above this industry median. Based on the distribution chart, Fair Isaac ranks #461 out of 684 companies in the Software industry, which is below 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 Peter Lynch Fair Value compare to MSTR and ZM?
According to the Software industry distribution chart, Fair Isaac ranks #461 out of 684 companies for Peter Lynch Fair Value. This places Fair Isaac in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.23. Fair Isaac's value of $773.54 is 62789.4% above this benchmark. Historically, Fair Isaac's own Peter Lynch Fair Value has ranged from 1.10 to 6.42 over the past decade. While the company's 10-year median is 2.97 vs. the industry median of 1.23, 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 Peter Lynch Fair Value for a Software company?
The median Peter Lynch Fair Value among Software companies is 1.23, based on 684 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fair Isaac's current Peter Lynch Fair Value of $773.54 is 62789.4% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Fair Isaac and its competitors. For the Software industry, the median Peter Lynch Fair Value is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fair Isaac's current Peter Lynch Fair Value is $773.54, which is 25945% above median its own 10-year median of 2.97. 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 $2,108.22, compared to a current price of $1,266.08 — trading 39.9% below its estimated fair value. The current Peter Lynch Fair Value is $773.54, which is 25945% above median its 10-year median of 2.97 and 62789.4% above the Software industry median of 1.23. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Fair Isaac (FICO), the current Peter Lynch Fair Value is $773.54 as of Jul. 08, 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 $1,266.08 is trading 39.9% below its estimated GF Value™ of $2,108.22.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
Peter Lynch Fair Value: $773.54 (25945% above median its 10-year median of 2.97)
GF Value™: $2,108.22 vs. price of $1,266.08 (39.9% below fair value)
Industry Position: 62789.4% above the Software median (#461 of 684)
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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