Fair Isaac Corporation (FICO) — RQD Stock Rating Cockpit

$709.18 +1.58% NYSE • Public Delayed / 60s Snapshot

Fair Isaac Corporation (FICO) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (82% profit margin, 60% return on capital) with steady institutional support. Even if the broader market gets choppy, the company’s underlying cash engine and big-money support put the odds in buyers’ favor.

ROARABLE B • BUY Cap $15.32B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERBUY • B
025507510073
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw B- · Rk B+
Cash (20)Whales (10)SEC (15)Macro (16)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+6.8% Base Target
$1952 Bull$757 Base$582 Bear
🔴 SUNDAY NIGHT PREP • 7:00 PM ET
WHALE OPTIONS TUG-OF-WAR:59% Call Buyers ($2.6M)
41% PutsMax Pain: $695.00
RSI-14 MOMENTUMNEUTRAL RANGE
40.730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
8.75>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE10% OF RANGE
L: $586$709.18H: $1,859
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (82% profit margin and healthy balance-sheet cushion).

Factor Grade: A+RQD 20 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 22 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on FICO

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (98)

59.6% ROIC with 82.2% gross margin and 5.03% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 8.75 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (63)

Put/Call 0.70x with 22/40 institutional & insider flow.

Bull Case: Why Buyers Like FICO
  • ✓Strong cash generator (82% profit margin)—profits are backed by real money, not accounting tricks.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
🔴 SUNDAY NIGHT PREP • 7:00 PM ETHosted Live by Perry Belcher & Guest Trading Systems Desk

Today's Top 3 RQD Strong Buys & Whale Accumulation Setups (Live FICO Tape Review)

  • ✓Live breakdown of today’s highest-scoring RQD Green-Light breakouts
  • ✓1 urgent Red-Light accounting trap to cut from your watchlist immediately
  • ✓Bring any ticker to live Q&A—we run it through the 5-Pillar RQD Radar on screen
RQD INSIDER CLUB UPGRADE$49/YEAR
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FICO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -30.61%📐 HORIZONTAL RANGE
2026-10-30O $705.8H $716.0L $693.0C $711.2VOL 690.8K
RES: $1,546.6SUP: $436.1SMA50: $871.8SMA200: $1,123.1
$1,536.9$1,279.2$1,021.5$763.8$506.1RES $1,546.6SUP $436.1$711.22026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FICO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
17.3%/yr Implied 5Y Growth

vs. +15.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FICO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FICO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FICO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

FICO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FICO stock right now?

Fair Isaac Corporation (FICO) currently earns a Roarable Rating of B (Buy — BUY) with 73/100 RQD Confidence. High-quality cash engine (82% profit margin, 60% return on capital) with steady institutional support.

What is FICO's 12-month price target and RQD AI Jury consensus?

FICO's 12-month base price target is $757.05 (range $581.53 to $1951.86), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.