Fair IsaacFICO +5.32%87 3-Year ROIIC % is 53.21 as of Sep. 2025, which is 116% above its 10-year median of 24.66. GuruFocus rates FICO with a GF Score™ of 87/100 and a GF Value™ of $2,101.99 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,623 Software companies, Fair Isaac ranks better than 81.97% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Fair Isaac's 3-Year ROIIC % for the quarter that ended in Sep. 2025 was 53.21%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Fair Isaac's 3-Year ROIIC % or its related term are showing as below:
FICO's 3-Year ROIIC % is ranked better than 81.97% of 2623
companies
in the Software industry
Industry Median: 5.25
vs FICO: 53.21
Fair Isaac (NYSE:FICO) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Fair Isaac 3-Year ROIIC % Related Terms
Fair Isaac 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Fair Isaac's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 ROIIC % vs Software Industry
For the Software industry and Technology sector, Fair Isaac's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Fair Isaac's 3-Year ROIIC % falls into.
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Fair Isaac (FICO) has a 3-Year ROIIC % of 53.21 as of Sep. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Fair Isaac and its competitors. This is 116% above median its historical median of 24.66. According to the industry distribution chart, Fair Isaac ranks #473 out of 2623 companies in the Software industry, placing it in the top 18%.
Is Fair Isaac's 3-Year ROIIC % too high?
Fair Isaac's current 3-Year ROIIC % of 53.21 is 116% above median its 10-year median of 24.66. The Software industry median 3-Year ROIIC % is 5.25. Fair Isaac's value of 53.21 is 913.5% above this industry median. Based on the distribution chart, Fair Isaac ranks #473 out of 2623 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 3-Year ROIIC % compare to MSTR and ZM?
According to the Software industry distribution chart, Fair Isaac ranks #473 out of 2623 companies for 3-Year ROIIC %. This places Fair Isaac in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.25. Fair Isaac's value of 53.21 is 913.5% above this benchmark. While the company's 10-year median is 24.66 vs. the industry median of 5.25, 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 ROIIC % for a Software company?
The median 3-Year ROIIC % among Software companies is 5.25, based on 2,623 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fair Isaac's current 3-Year ROIIC % of 53.21 is 913.5% 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 ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Fair Isaac and its competitors. For the Software industry, the median 3-Year ROIIC % is 5.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fair Isaac's current 3-Year ROIIC % is 53.21, which is 116% above median its own 10-year median of 24.66. 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 $2,101.99, compared to a current price of $1,270.83 — trading 39.5% below its estimated fair value. The current 3-Year ROIIC % is 53.21, which is 116% above median its 10-year median of 24.66 and 913.5% above the Software industry median of 5.25. 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 ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Fair Isaac (FICO), the current 3-Year ROIIC % is 53.21 as of Sep. 2025. 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 $1,270.83 is trading 39.5% below its estimated GF Value™ of $2,101.99.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
3-Year ROIIC %: 53.21 (116% above median its 10-year median of 24.66)
GF Value™: $2,101.99 vs. price of $1,270.83 (39.5% below fair value)
Industry Position: 913.5% above the Software median (#473 of 2623)
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.
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