Dead Simple HQ
FICO
Fair Isaac (FICO)
PLATINUM
97
Dead Simple Score
A toll booth on consumer credit that quietly compounds through pricing power, mission-critical software, and near-impossible replacement risk.
Base DCF Case
$1,630
Current: $1,137.21
FICO
Fair Isaac (FICO)
PLATINUM
Why I Own It
Fair Isaac (FICO) combines an irreplaceable credit-scoring standard with high-margin decision-management software, creating exceptional recurring cash flow and pricing power. Despite a premium valuation, the business has consistently compounded intrinsic value through durable competitive advantages, capital-light economics, and disciplined capital allocation.
Dead Simple Scorecard
Research Date · Aug 08, 2026
Market
89/100
Consumer-credit decisioning is vast
Team / Execution
97/100
Elite compounding of revenue
Traction
94/100
+26% revenue and 54% margins show the thesis working now
Moat
86/100
Owns the embedded standard of US credit via
Valuation
88/100
Rare discount for an amazing business
Risk
89/100
AI risks are inflated, virtual monopoly
Portfolio Fit
99/100
Good valuation for an elite business model
Dead Simple Score
Overall conviction call — categories above are component detail, not a sum.
97
PLATINUM
Dead Simple DCF
Open
Bear$1,025
Base$1,630
Bull$2,150
ResearchedAug 08, 2026
Current Return+9.2%
S&P Return-1.0%
Alpha+10.2%
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