Cautious. FICO's 66.4 Growth Compounder Score reflects steady software economics and recurring SaaS revenue, but a 26.0x forward P/E leaves little room for error. Leadership shows solid alignment (70.5/100) via low dilution and founder-CEO continuity, yet the Vulnerable profile signals execution risk—customer concentration in financial services and rising competition in AI-driven credit decisioning warrant careful monitoring before accumulating.
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Stocky rates FICO (FICO) at 48/100 — below the bar Stocky looks for. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Cautious. FICO's 66.4 Growth Compounder Score reflects steady software economics and recurring SaaS revenue, but a 26.0x forward P/E leaves little room for error. Leadership shows solid alignment (70.5/100) via low dilution and founder-
FICO's current Stocky Verdict is 48/100, placing it in the "Cautious" band. This composite combines a 66/100 Compounder score, 71/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for FICO yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
FICO scores 71/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
FICO's Vulnerability Profile scores 0/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to FICO.
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