Fair Isaac Corporation (FICO) 10-Year Financial Performance & Capital Metrics

FICO • • Industrial / General

TechnologyApplication SoftwareArtificial Intelligence & AnalyticsAI Analytics Platforms

AboutFair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.Show more

Revenue $1.99B +15.9%
EBITDA $951M +27.2%
Net Income $652M +27.1%
EPS (Diluted) 26.54 +29.8%
Gross Margin 82.23% +3.1%
EBITDA Margin 47.75% +9.7%
Operating Margin 47% +10.0%
Net Margin 32.75% +9.7%
ROE -
ROIC 60.39% +21.1%
Debt/Equity -
Interest Coverage -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 22.5%
✓Strong Piotroski F-Score: 7/9
✓FCF machine: 38.7% free cash flow margin
✓Share count reduced 2.1% through buybacks
✓Healthy 5Y average net margin of 29.6%
✓Efficient asset utilization: 1.1x turnover

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y9.03%

5Y8.99%

3Y13.07%

TTM15.91%

Profit (Net Income) CAGR

10Y22.38%

5Y22.49%

3Y20.4%

TTM27.13%

EPS CAGR

10Y25.91%

5Y27.43%

3Y23.24%

TTM29.83%

ROCE

10Y Avg40.23%

5Y Avg57.93%

3Y Avg64.18%

Latest79.42%

Peer Comparison

AI Analytics Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
LYFTLyft, Inc.	7.69B	19.25	349.36	31.39%	2.4%	26.3%	9.97%	1.64
DDOGDatadog, Inc.	40.84B	125.50	246.08	26.12%	3.32%	3.1%	2.05%	0.68
MNDYmonday.com Ltd.	7.18B	139.22	224.55	33.21%	5.58%	5.13%	4.12%	0.10
PEGAPegasystems Inc.	9.77B	57.54	104.62	4.51%	16.05%	46.57%	3.46%	0.94
SAPSAP SE	287.77B	247.10	93.25	9.51%	19.41%	13.94%	1.54%	0.23
TYLTyler Technologies, Inc.	19.07B	443.14	73.25	9.53%	13.72%	8.75%	3.17%	0.19
FICOFair Isaac Corporation	38.48B	1623.18	61.16	15.91%	32.75%		2%
DSGXThe Descartes Systems Group Inc.	7.56B	87.93	53.62	13.63%	22.1%	10%	2.81%	0.01

Profit & Loss

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Sales/Revenue+	881.36M	932.17M	1.03B	1.16B	1.29B	1.32B	1.38B	1.51B	1.72B	1.99B
Revenue Growth %	0.05%	0.06%	0.11%	0.12%	0.12%	0.02%	0.05%	0.1%	0.13%	0.16%
Cost of Goods Sold+	265.17M	287.12M	310.7M	336.85M	361.14M	332.46M	302.17M	311.05M	348.21M	353.72M
COGS % of Revenue	0.3%	0.31%	0.3%	0.29%	0.28%	0.25%	0.22%	0.21%	0.2%	0.18%
Gross Profit+	616.18M	645.05M	721.78M	823.24M	933.42M	984.07M	1.08B	1.2B	1.37B	1.64B
Gross Margin %	0.7%	0.69%	0.7%	0.71%	0.72%	0.75%	0.78%	0.79%	0.8%	0.82%
Gross Profit Growth %	0.08%	0.05%	0.12%	0.14%	0.13%	0.05%	0.09%	0.12%	0.14%	0.2%
Operating Expenses+	446.59M	465.22M	511.89M	569.69M	637.45M	478.58M	532.68M	559.67M	635.69M	701.38M
OpEx % of Revenue	0.51%	0.5%	0.5%	0.49%	0.49%	0.36%	0.39%	0.37%	0.37%	0.35%
Selling, General & Admin	328.94M	339.8M	376.91M	414.09M	420.93M	396.28M	383.86M	400.56M	462.83M	513.03M
SG&A % of Revenue	0.37%	0.36%	0.37%	0.36%	0.33%	0.3%	0.28%	0.26%	0.27%	0.26%
Research & Development	103.67M	110.87M	128.38M	149.48M	166.5M	171.23M	146.76M	159.95M	171.94M	188.35M
R&D % of Revenue	0.12%	0.12%	0.12%	0.13%	0.13%	0.13%	0.11%	0.11%	0.1%	0.09%
Other Operating Expenses	13.98M	17.18M	6.59M	6.13M	50.02M	-88.93M	2.06M	-841K	917K	0
Operating Income+	169.59M	182.16M	175.36M	253.55M	295.97M	505.49M	542.41M	642.83M	733.63M	935.77M
Operating Margin %	0.19%	0.2%	0.17%	0.22%	0.23%	0.38%	0.39%	0.42%	0.43%	0.47%
Operating Income Growth %	0.23%	0.07%	-0.04%	0.45%	0.17%	0.71%	0.07%	0.19%	0.14%	0.28%
EBITDA+	201.22M	218.37M	205.54M	285.16M	326.34M	531.08M	562.88M	657.47M	747.46M	950.72M
EBITDA Margin %	0.23%	0.23%	0.2%	0.25%	0.25%	0.4%	0.41%	0.43%	0.44%	0.48%
EBITDA Growth %	0.17%	0.09%	-0.06%	0.39%	0.14%	0.63%	0.06%	0.17%	0.14%	0.27%
D&A (Non-Cash Add-back)	31.63M	36.21M	30.18M	31.61M	30.37M	25.59M	20.46M	14.64M	13.83M	14.95M
EBIT	171.2M	182.07M	188.24M	255.82M	299.18M	513.23M	540.28M	649.17M	747.66M	802.6M
Net Interest Income+	-26.63M	-25.79M	-31.31M	-39.75M	-42.18M	-40.09M	-68.97M	-95.55M	-105.64M	0
Interest Income	0	0	0	0	0	0	0	0	0	0
Interest Expense	26.63M	25.79M	31.31M	39.75M	42.18M	40.09M	68.97M	95.55M	105.64M	0
Other Income/Expense	-25.02M	-30.84M	-18.43M	-37.48M	-38.97M	-32.35M	-71.11M	-89.21M	-91.6M	-133.18M
Pretax Income+	144.57M	151.32M	188.01M	216.07M	257M	473.14M	471.31M	553.62M	642.02M	802.6M
Pretax Margin %	0.16%	0.16%	0.18%	0.19%	0.2%	0.36%	0.34%	0.37%	0.37%	0.4%
Income Tax+	35.12M	23.07M	45.59M	23.95M	20.59M	81.06M	97.77M	124.25M	129.21M	150.65M
Effective Tax Rate %	0.76%	0.85%	0.76%	0.89%	0.92%	0.83%	0.79%	0.78%	0.8%	0.81%
Net Income+	109.45M	128.26M	142.41M	192.12M	236.41M	392.08M	373.54M	429.38M	512.81M	651.95M
Net Margin %	0.12%	0.14%	0.14%	0.17%	0.18%	0.3%	0.27%	0.28%	0.3%	0.33%
Net Income Growth %	0.27%	0.17%	0.11%	0.35%	0.23%	0.66%	-0.05%	0.15%	0.19%	0.27%
Net Income (Continuing)	109.45M	128.26M	126.48M	192.12M	236.41M	392.08M	373.54M	429.38M	512.81M	651.95M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	3.39	3.98	4.57	6.34	7.90	13.40	14.18	16.93	20.45	26.54
EPS Growth %	0.28%	0.17%	0.15%	0.39%	0.25%	0.7%	0.06%	0.19%	0.21%	0.3%
EPS (Basic)	3.52	4.16	4.79	6.63	8.13	13.65	14.34	17.18	20.78	26.90
Diluted Shares Outstanding	32.31M	32.24M	31.18M	30.29M	29.93M	29.26M	26.35M	25.37M	25.08M	24.56M
Basic Shares Outstanding	31.13M	30.86M	29.71M	28.98M	29.07M	28.73M	26.04M	24.99M	24.68M	24.24M
Dividend Payout Ratio	0.02%	0.01%	-	-	-	-	-	-	-	-

Balance Sheet

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Total Current Assets+	267.64M	310.93M	338.51M	455.71M	534.08M	550.97M	484.71M	556.45M	617.41M	705.16M
Cash & Short-Term Investments	75.93M	105.62M	90.02M	106.43M	157.39M	195.35M	133.2M	136.78M	150.67M	134.14M
Cash Only	75.93M	105.62M	90.02M	106.43M	157.39M	195.35M	133.2M	136.78M	150.67M	134.14M
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	167.79M	168.59M	266.74M	297.43M	334.18M	312.11M	322.41M	387.95M	426.64M	529.15M
Days Sales Outstanding	69.49	66.01	94.3	93.58	94.22	86.53	85.44	93.55	90.67	97.01
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	0	0	0	0	0	0	0	31.72M	40.1M	41.88M
Total Non-Current Assets+	953.41M	944.69M	916.57M	977.74M	1.07B	1.02B	957.32M	1.02B	1.1B	1.16B
Property, Plant & Equipment	45.12M	40.7M	48.84M	53.03M	104.08M	75.19M	54.27M	36.67M	68.05M	93.93M
Fixed Asset Turnover	19.53x	22.90x	21.14x	21.88x	12.44x	17.51x	25.38x	41.28x	25.24x	21.20x
Goodwill	798.41M	804.41M	800.89M	803.54M	812.36M	788.18M	761.07M	773.33M	782.75M	783.34M
Intangible Assets	33.62M	21.18M	14.54M	14.14M	9.24M	4.1M	2.02M	917K	0	0
Long-Term Investments	21.94M	25.52M	19.76M	21.86M	26.57M	33.2M	25.65M	33.01M	45.29M	54.63M
Other Non-Current Assets	6.35M	5.67M	36.25M	79.16M	105.28M	95.58M	102.51M	115.77M	117.87M	112.52M
Total Assets+	1.22B	1.26B	1.26B	1.43B	1.61B	1.57B	1.44B	1.58B	1.72B	1.87B
Asset Turnover	0.72x	0.74x	0.82x	0.81x	0.81x	0.84x	0.96x	0.96x	1.00x	1.07x
Asset Growth %	-0.01%	0.03%	-0%	0.14%	0.12%	-0.02%	-0.08%	0.09%	0.09%	0.09%
Total Current Liabilities+	246.08M	326.65M	422.21M	490.83M	414.51M	559.21M	331.46M	367.69M	380.29M	849.22M
Accounts Payable	22.95M	19.51M	20.25M	23.12M	23.03M	20.75M	17.27M	19.01M	22.47M	32.31M
Days Payables Outstanding	31.59	24.8	23.79	25.05	23.28	22.78	20.86	22.31	23.56	33.35
Short-Term Debt	77M	142M	235M	218M	95M	250M	30M	50M	15M	399.54M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	71.22M	77.61M	84.29M	106.24M	117.95M	103.51M	97.89M	102.47M	106.1M	115.37M
Current Ratio	1.09x	0.95x	0.80x	0.93x	1.29x	0.99x	1.46x	1.51x	1.62x	0.83x
Quick Ratio	1.09x	0.95x	0.80x	0.93x	1.29x	0.99x	1.46x	1.51x	1.62x	0.83x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	528.15M	502.43M	569.13M	652.85M	860.65M	1.12B	1.91B	1.9B	2.3B	2.76B
Long-Term Debt	493.62M	462.8M	528.94M	606.79M	739.43M	1.01B	1.82B	1.81B	2.19B	2.66B
Capital Lease Obligations	0	0	0	3.87M	73.21M	53.67M	39.19M	23.9M	21.96M	19.19M
Deferred Tax Liabilities	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	34.15M	39.63M	40.18M	46.06M	48.01M	56.82M	49.66M	60.02M	84.29M	89.36M
Total Liabilities	774.22M	829.08M	991.34M	1.14B	1.28B	1.68B	2.24B	2.26B	2.68B	3.61B
Total Debt+	570.62M	604.8M	763.94M	824.79M	907.64M	1.33B	1.91B	1.9B	2.24B	3.07B
Net Debt	494.7M	499.18M	673.92M	718.36M	750.25M	1.14B	1.78B	1.77B	2.09B	2.94B
Debt / Equity	1.28x	1.42x	2.90x	2.85x	2.74x	-	-	-	-	-
Debt / EBITDA	2.84x	2.77x	3.72x	2.89x	2.78x	2.51x	3.40x	2.89x	3.00x	3.23x
Net Debt / EBITDA	2.46x	2.29x	3.28x	2.52x	2.30x	2.15x	3.16x	2.68x	2.80x	3.09x
Interest Coverage	6.37x	7.06x	5.60x	6.38x	7.02x	12.61x	7.86x	6.73x	6.94x	-
Total Equity+	446.83M	426.54M	263.74M	289.77M	331.08M	-110.94M	-801.95M	-687.99M	-962.68M	-1.75B
Equity Growth %	0.02%	-0.05%	-0.38%	0.1%	0.14%	-1.34%	-6.23%	0.14%	-0.4%	-0.81%
Book Value per Share	13.83	13.23	8.46	9.57	11.06	-3.79	-30.44	-27.12	-38.39	-71.08
Total Shareholders' Equity	446.83M	426.54M	263.74M	289.77M	331.08M	-110.94M	-801.95M	-687.99M	-962.68M	-1.75B
Common Stock	309K	302K	290K	289K	291K	276K	252K	248K	244K	238K
Retained Earnings	1.47B	1.6B	1.76B	1.96B	2.19B	2.59B	2.96B	3.39B	3.9B	4.55B
Treasury Stock	-2.14B	-2.3B	-2.61B	-2.8B	-3B	-3.86B	-4.94B	-5.32B	-6.14B	-7.54B
Accumulated OCI	-77.01M	-66.49M	-76.42M	-90.08M	-83M	-75.85M	-124.7M	-102.14M	-91.63M	-92.05M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash from Operations+	185.23M	225.64M	223.05M	260.35M	364.92M	423.82M	509.45M	468.92M	632.96M	778.81M
Operating CF Margin %	0.21%	0.24%	0.22%	0.22%	0.28%	0.32%	0.37%	0.31%	0.37%	0.39%
Operating CF Growth %	0.39%	0.22%	-0.01%	0.17%	0.4%	0.16%	0.2%	-0.08%	0.35%	0.23%
Net Income	109.45M	133.41M	126.48M	192.12M	236.41M	392.08M	373.54M	429.38M	512.81M	651.95M
Depreciation & Amortization	31.63M	36.21M	30.18M	31.61M	30.37M	25.59M	20.46M	14.64M	13.83M	14.95M
Stock-Based Compensation	55.51M	61.22M	74.81M	82.97M	93.68M	112.46M	115.36M	123.85M	149.44M	156.67M
Deferred Taxes	-1.82M	-6.25M	10.58M	7.7M	-8.64M	-5.96M	7.82M	-47.38M	-27.33M	-32.49M
Other Non-Cash Items	2.02M	1.65M	-10.6M	1.41M	54.4M	-87.62M	28.18M	11.88M	4.7M	6.28M
Working Capital Changes	13.48M	-612K	-8.41M	-55.47M	-41.31M	-12.74M	-35.91M	-63.45M	-20.48M	-18.55M
Change in Receivables	-18.23M	2.86M	-8.27M	-36.18M	-59.89M	24.5M	-31.56M	-70.12M	-34.14M	-100.38M
Change in Inventory	0	0	0	0	0	0	0	0	0	0
Change in Payables	564K	-2.03M	843K	1.89M	1.06M	-2.35M	-2.8M	2.24M	3.32M	9.85M
Cash from Investing+	-27.61M	-20.61M	-14.12M	-42.76M	-24.58M	137.85M	-5.67M	-15.95M	-27.99M	-43.72M
Capital Expenditures	-21.97M	-19.83M	-31.3M	-23.98M	-21.99M	-7.57M	-6.03M	-4.24M	-8.88M	-8.92M
CapEx % of Revenue	0.02%	0.02%	0.03%	0.02%	0.02%	0.01%	0%	0%	0.01%	0%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	0	0	0	0	55K	147.43M	2.26M	-6.13M	-16.67M	-30.48M
Cash from Financing+	-164.98M	-180.63M	-218.63M	-200.05M	-289.42M	-523.57M	-547.16M	-455M	-592.92M	-750.33M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-2.49M	-1.24M	0	0	0	0	0	0	0	0
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	-29.95M	-40.23M	-44.2M	-53M	-102.9M	-91.61M	-50.94M	-76.67M	-139.19M	-224.9M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	188.3M	205.82M	191.75M	236.37M	342.93M	416.25M	503.42M	464.68M	607.41M	769.88M
FCF Margin %	0.21%	0.22%	0.19%	0.2%	0.26%	0.32%	0.37%	0.31%	0.35%	0.39%
FCF Growth %	0.55%	0.09%	-0.07%	0.23%	0.45%	0.21%	0.21%	-0.08%	0.31%	0.27%
FCF per Share	5.83	6.38	6.15	7.80	11.46	14.23	19.11	18.32	24.22	31.35
FCF Conversion (FCF/Net Income)	1.69x	1.76x	1.57x	1.36x	1.54x	1.08x	1.36x	1.09x	1.23x	1.19x
Interest Paid	26.88M	26.08M	26.11M	39.92M	37.73M	37.95M	57.21M	96.88M	106.39M	0
Taxes Paid	10.86M	31.32M	13.4M	18.78M	10.15M	71.49M	65.33M	152.78M	133.72M	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	24.77%	29.37%	41.26%	69.42%	76.16%	356.21%	-	-	-	-
Return on Invested Capital (ROIC)	13.39%	14.63%	14.12%	19.55%	21.25%	35.94%	40.57%	46.94%	49.88%	60.39%
Gross Margin	69.91%	69.2%	69.91%	70.96%	72.1%	74.75%	78.06%	79.45%	79.73%	82.23%
Net Margin	12.42%	13.76%	13.79%	16.56%	18.26%	29.78%	27.12%	28.37%	29.86%	32.75%
Debt / Equity	1.28x	1.42x	2.90x	2.85x	2.74x	-	-	-	-	-
Interest Coverage	6.37x	7.06x	5.60x	6.38x	7.02x	12.61x	7.86x	6.73x	6.94x	-
FCF Conversion	1.69x	1.76x	1.57x	1.36x	1.54x	1.08x	1.36x	1.09x	1.23x	1.19x
Revenue Growth	5.08%	5.77%	10.76%	12.36%	11.59%	1.7%	4.61%	9.9%	13.48%	15.91%

Revenue by Segment

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Scores	241.06M	266.35M	342.65M	421.18M	528.55M	654.15M	706.64M	773.83M	919.65M	1.17B
Scores Growth	-	10.49%	28.64%	22.92%	25.49%	23.76%	8.03%	9.51%	18.84%	27.07%
Applications	-	-	-	-	-	-	-	-	-	822.29M
Applications Growth	-	-	-	-	-	-	-	-	-	-
Software	-	-	-	-	-	662.39M	670.63M	739.73M	797.88M	-
Software Growth	-	-	-	-	-	-	1.24%	10.30%	7.86%	-

Revenue by Geography

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Americas	-	-	-	-	-	1.05B	1.13B	1.29B	1.45B	1.73B
Americas Growth	-	-	-	-	-	-	7.69%	13.82%	12.66%	19.48%
EMEA	-	-	-	195.19M	203.58M	190.4M	147.3M	141.36M	169.53M	159.8M
EMEA Growth	-	-	-	-	4.30%	-6.48%	-22.64%	-4.03%	19.92%	-5.74%
Asia Pacific	-	-	-	92.44M	98.75M	76.21M	99.26M	85.24M	98.11M	98.68M
Asia Pacific Growth	-	-	-	-	6.82%	-22.83%	30.25%	-14.12%	15.10%	0.58%
North America	-	-	-	807.16M	929.93M	-	-	-	-	-
North America Growth	-	-	-	-	15.21%	-	-	-	-	-
Latin America	-	-	-	65.29M	62.3M	-	-	-	-	-
Latin America Growth	-	-	-	-	-4.58%	-	-	-	-	-
UNITED STATES	567.44M	598.76M	679.42M	-	-	-	-	-	-	-
UNITED STATES Growth	-	5.52%	13.47%	-	-	-	-	-	-	-
UNITED KINGDOM	86.48M	71.99M	77.05M	-	-	-	-	-	-	-
UNITED KINGDOM Growth	-	-16.76%	7.03%	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Fair Isaac Corporation (FICO) has a price-to-earnings (P/E) ratio of 61.2x. This suggests investors expect higher future growth.

Growth & Financials

Fair Isaac Corporation (FICO) reported $1.99B in revenue for fiscal year 2025. This represents a 194% increase from $676.4M in 2012.

Fair Isaac Corporation (FICO) grew revenue by 15.9% over the past year. This is strong growth.

Yes, Fair Isaac Corporation (FICO) is profitable, generating $651.9M in net income for fiscal year 2025 (32.7% net margin).

Dividend & Returns

Fair Isaac Corporation (FICO) generated $748.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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