Fair Isaac Corp risk profile
32 Normal where most of the sector sits
Measured 21 October 2026 from FICO's filed statements. Recomputed nightly.
32 (Normal), driven by Concentration at 85, over 7 weighted categories on the SOFTWARE profile.
What is measured
| Mechanism | Reading | Band | Direction | Driver |
|---|---|---|---|---|
| Market expectation | 75 | Stretched | Volatile | One-year price volatility — 62.8% |
| Operating pressure | 17 | Contained | Easing | Operating-margin drift — +7.1 percentage points |
| Cash conversion | 22 | Normal | Stable | Cash conversion — 1.19x |
| Leverage and coverage | 48 | Elevated | Worsening | Net debt to EBITDA — 3.11x |
| Competitive position | 20 | Normal | Stable | R&D-intensity gap against peers — -5.0 percentage points |
| Concentration | 85 | Acute | Stable | Geographic concentration — 7,661 HHI |
These are descriptive readings of disclosed mechanisms, not investment advice, and not a prediction. A band says where a measured input sits, never what to do about it or what happens next.