Fair Isaac (FICO) Stock Concentration Calculator
Calculator · free · no signup · FICOQuantify Fair Isaac concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Fair Isaac
Fair Isaac (FICO) is a public Data company, incorporated in Delaware and headquartered in Bozeman, MT.
Last close: $1,078.12 per share (as of 2026-08-18).
Equity grants at Fair Isaac typically include restricted stock units (RSUs).
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.
Source: Wikipedia (CC BY-SA 4.0)
Engineer Bill Fair and mathematician Earl Isaac founded the firm in 1956 to apply statistical scoring to credit decisions, and the FICO score they eventually produced became the default measure of consumer creditworthiness in the United States. Two businesses sit under one roof: scores, which are licensed through the three credit bureaus and carry almost no incremental cost per pull, and software for fraud detection and decision management sold to banks and insurers. The scores business is unusually profitable because the asset is a standard rather than a product. Mortgage origination volume drives the cyclical part of revenue. Headquarters are in Bozeman, Montana.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Fair Isaac.
If a meaningful share of your net worth sits in FICO, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with FICO's option-implied volatility.
Example: 5,000 FICO shares at $1,078.12 is a $5,390,600 position. A 30% drawdown costs $1,617,180; a 50% drawdown costs $2,695,300; a 70% drawdown costs $3,773,420. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using FICO's option-implied volatility and your cost basis.
All Fair Isaac tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Fair Isaac equity questions
- How much FICO stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your FICO position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Fair Isaac grant ISOs, NSOs, or RSUs?
- Equity compensation at Fair Isaac typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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OptionsAhoy plans your Fair Isaac equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.