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Fair Isaac FICO

equity

Price History

$0.630$792.1$1,584$2,375
1987-07 · DCA start$1.33

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-76.1%-50.7%-25.4%0.0%
1987-072026-08 · -56.0%

Worst drawdown: −76%, peaking Nov 2005 and bottoming Feb 2009 — 83 months below the prior high before recovering.

DCA Backtest

Invested
$47,000
Value today
$8,854,735
Return
+18739.9%
Months invested
470

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $81,781 today, so the real (inflation-adjusted) return is +10727.4%.

Lump sum instead — $47,000 all at once in Jul 1987: $36,808,412 (+78215.8%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Nov 2024): $1,537 on $2,200 invested (-30.1%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
1987
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Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1987-07: +18739.9%

About Fair Isaac

FICO, originally Fair, Isaac and Company, is an American data analytics company based in Bozeman, Montana, focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956. Its FICO score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States. (Wikipedia)

It's a listed company categorised under information technology and application software, with a market cap of about $22.6B.

It rates Medium-Low Risk at 1.9/5, meaning the rated factors are mostly sound, with one or two areas worth watching.

What pushes the score up: market / volatility (3.7/5).

Scoring well: sector / regulatory at 1.0/5.

Not yet researched: leverage / financial, concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-Low Risk(1.9/5)60% rated

How these ratings work

Market / Volatility3.7/5 · weight 20%
  • Annualised volatility (3yr)4/540.5
  • Max drawdown from ATH4/576.1
  • Beta vs S&P 5003/51.2
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/5388.1m
  • Float % of shares outstandingnot yet researched
Leverage / Financialunrated · weight 20%
  • Debt / equitynot yet researched
  • Interest coverage (EBIT / interest)not yet researched
Earnings Quality1.0/5 · weight 15%
  • 3yr EPS volatility1/56.4
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory1.0/5 · weight 10%
  • Sector regulatory exposure1/5low

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.