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Fair Isaac Corporation(FICO)Earnings, Financials & Key Ratios
FICO•NYSE
$1067.00
$24.74B mkt cap·40.2× P/E·Price updated May 6, 2026
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$940M+25.7%
- Net Income$652M+27.1%
- EPS (Diluted)26.54+29.8%
- Gross Margin82.23%+3.1%
- EBITDA Margin47.21%+8.5%
- Operating Margin46.45%+8.8%
- Net Margin32.75%+9.7%
- ROIC59.69%+19.7%
- Interest Coverage7.01-1.0%
FICO Key Insights
Fair Isaac Corporation (FICO) fundamental analysis — strengths, weaknesses & financial health based on 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
- ✗Weak momentum: RS Rating 11 (bottom 11%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FICO Price & Volume
Fair Isaac Corporation (FICO) stock price & volume — 10-year historical chart
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FICO Growth Metrics
Fair Isaac Corporation (FICO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.03%
5 Years8.99%
3 Years13.07%
TTM22.57%
Profit CAGR
10 Years22.38%
5 Years22.49%
3 Years20.4%
TTM31.63%
EPS CAGR
10 Years25.91%
5 Years27.43%
3 Years23.24%
TTM35.96%
Return on Capital
10 Years40.14%
5 Years57.75%
3 Years63.87%
Last Year78.49%
FICO Recent Earnings
Fair Isaac Corporation (FICO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 28, 2026EPS
$12.50
Est $11.03
+13.3%
Revenue
$692M
Est $630M
+9.8%
Q1 2026
Jan 28, 2026EPS
$7.33
Est $7.08
+3.5%
Revenue
$512M
Est $501M
+2.1%
Q4 2025
Nov 5, 2025EPS
$7.74
Est $7.32
+5.7%
Revenue
$516M
Est $513M
+0.5%
Q3 2025
Jul 30, 2025EPS
$8.57
Est $7.71
+11.2%
Revenue
$536M
Est $515M
+4.1%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $12.50vs $11.03+13.3% | $692Mvs $630M+9.8% |
| Q1 2026 | Jan 28, 2026 | $7.33vs $7.08+3.5% | $512Mvs $501M+2.1% |
| Q4 2025 | Nov 5, 2025 | $7.74vs $7.32+5.7% | $516Mvs $513M+0.5% |
| Q3 2025 | Jul 30, 2025 | $8.57vs $7.71+11.2% | $536Mvs $515M+4.1% |
Based on last 12 quarters of dataView full earnings history →
FICO Peer Comparison
Fair Isaac Corporation (FICO) competitors in Financial services and insurance software — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 VRSK | 22.39B | 170.89 | 26.33 | 6.63% | 29.34% | 437.95% | 16.26 | |
 MSCI | 42.38B | 582.14 | 37.41 | 9.74% | ||||
 MCO | 79.54B | 448.64 | 32.82 | 8.89% | 64.11% | 1.75 | ||
 SPGI | 125.38B | 423.57 | 28.89 | 7.94% | 12.92% | 0.39 | ||
 EFX | 20.89B | 173.20 | 32.56 | 6.92% | 11.12% | 14.19% | 1.07 | |
 TRU | 13.64B | 70.70 | 30.47 | 9.38% | 14.91% | 15.1% | 1.13 | |
 OPEN | 5.19B | 5.44 | -3.20 | -15.18% | -29.74% | -129.35% | 0.19 | |
 ALIT | 490.57M | 0.94 | -0.16 | -3% | -137.5% | -171.72% | 1.92 |
Compare FICO vs Peers
Fair Isaac Corporation (FICO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FICO Income Statement
Fair Isaac Corporation (FICO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 932.17M | 1.03B | 1.16B | 1.29B | 1.32B | 1.38B | 1.51B | 1.72B | 1.99B | 2.26B |
| Revenue Growth % | 5.77% | 10.76% | 12.36% | 11.59% | 1.7% | 4.61% | 9.9% | 13.48% | 15.91% | 22.57% |
| Cost of Goods Sold | 287.12M | 310.7M | 336.85M | 361.14M | 332.46M | 302.17M | 311.05M | 348.21M | 353.72M | 357.21M |
| COGS % of Revenue | 30.8% | 30.09% | 29.04% | 27.9% | 25.25% | 21.94% | 20.55% | 20.27% | 17.77% | - |
| Gross Profit | 645.05M▲ 0% | 721.78M▲ 11.9% | 823.24M▲ 14.1% | 933.42M▲ 13.4% | 984.07M▲ 5.4% | 1.08B▲ 9.2% | 1.2B▲ 11.9% | 1.37B▲ 13.9% | 1.64B▲ 19.6% | 1.9B▲ 0% |
| Gross Margin % | 69.2% | 69.91% | 70.96% | 72.1% | 74.75% | 78.06% | 79.45% | 79.73% | 82.23% | 84.17% |
| Gross Profit Growth % | 4.68% | 11.9% | 14.06% | 13.38% | 5.43% | 9.25% | 11.85% | 13.87% | 19.56% | - |
| Operating Expenses | 465.22M | 511.89M | 569.69M | 637.45M | 478.58M | 532.68M | 559.67M | 635.69M | 712.3M | 762.41M |
| OpEx % of Revenue | 49.91% | 49.58% | 49.11% | 49.24% | 36.35% | 38.68% | 36.98% | 37.01% | 35.78% | - |
| Selling, General & Admin | 339.8M | 376.91M | 414.09M | 420.93M | 396.28M | 383.86M | 400.56M | 462.83M | 513.03M | 549.49M |
| SG&A % of Revenue | 36.45% | 36.51% | 35.69% | 32.52% | 30.1% | 27.87% | 26.47% | 26.95% | 25.77% | - |
| Research & Development | 110.87M | 128.38M | 149.48M | 166.5M | 171.23M | 146.76M | 159.95M | 171.94M | 188.35M | 201.99M |
| R&D % of Revenue | 11.89% | 12.43% | 12.89% | 12.86% | 13.01% | 10.66% | 10.57% | 10.01% | 9.46% | - |
| Other Operating Expenses | 17.18M | 6.59M | 6.13M | 50.02M | -88.93M | 2.06M | -841K | 917K | 10.92M | 1000K |
| Operating Income | 182.16M▲ 0% | 175.36M▼ 3.7% | 253.55M▲ 44.6% | 295.97M▲ 16.7% | 505.49M▲ 70.8% | 542.41M▲ 7.3% | 642.83M▲ 18.5% | 733.63M▲ 14.1% | 924.85M▲ 26.1% | 1.14B▲ 0% |
| Operating Margin % | 19.54% | 16.98% | 21.86% | 22.86% | 38.4% | 39.38% | 42.47% | 42.71% | 46.45% | 50.37% |
| Operating Income Growth % | 7.41% | -3.73% | 44.59% | 16.73% | 70.79% | 7.3% | 18.51% | 14.12% | 26.07% | - |
| EBITDA | 218.37M | 205.54M | 285.16M | 326.34M | 531.08M | 562.88M | 657.47M | 747.46M | 939.8M | 1.15B |
| EBITDA Margin % | 23.43% | 19.91% | 24.58% | 25.21% | 40.34% | 40.87% | 43.44% | 43.52% | 47.21% | 51.07% |
| EBITDA Growth % | 8.52% | -5.88% | 38.74% | 14.44% | 62.74% | 5.99% | 16.8% | 13.69% | 25.73% | 39.28% |
| D&A (Non-Cash Add-back) | 36.21M | 30.18M | 31.61M | 30.37M | 25.59M | 20.46M | 14.64M | 13.83M | 14.95M | 15.91M |
| EBIT | 182.07M | 188.24M | 255.82M | 299.18M | 513.23M | 540.28M | 649.17M | 747.66M | 936.24M | 1.15B |
| Net Interest Income | -25.79M | -31.31M | -39.75M | -42.18M | -40.09M | -68.97M | -95.55M | -105.64M | -133.65M | -159.37M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 25.79M | 31.31M | 39.75M | 42.18M | 40.09M | 68.97M | 95.55M | 105.64M | 133.65M | 159.37M |
| Other Income/Expense | -30.84M | -18.43M | -37.48M | -38.97M | -32.35M | -71.11M | -89.21M | -91.6M | -122.25M | -148.78M |
| Pretax Income | 151.32M▲ 0% | 188.01M▲ 24.2% | 216.07M▲ 14.9% | 257M▲ 18.9% | 473.14M▲ 84.1% | 471.31M▼ 0.4% | 553.62M▲ 17.5% | 642.02M▲ 16.0% | 802.6M▲ 25.0% | 987.41M▲ 0% |
| Pretax Margin % | 16.23% | 18.21% | 18.63% | 19.85% | 35.94% | 34.22% | 36.58% | 37.38% | 40.31% | 43.77% |
| Income Tax | 23.07M | 45.59M | 23.95M | 20.59M | 81.06M | 97.77M | 124.25M | 129.21M | 150.65M | 227.78M |
| Effective Tax Rate % | 15.24% | 24.25% | 11.08% | 8.01% | 17.13% | 20.74% | 22.44% | 20.13% | 18.77% | 23.07% |
| Net Income | 128.26M▲ 0% | 142.41M▲ 11.0% | 192.12M▲ 34.9% | 236.41M▲ 23.1% | 392.08M▲ 65.8% | 373.54M▼ 4.7% | 429.38M▲ 14.9% | 512.81M▲ 19.4% | 651.95M▲ 27.1% | 759.63M▲ 0% |
| Net Margin % | 13.76% | 13.79% | 16.56% | 18.26% | 29.78% | 27.12% | 28.37% | 29.86% | 32.75% | 33.67% |
| Net Income Growth % | 17.18% | 11.04% | 34.9% | 23.05% | 65.85% | -4.73% | 14.95% | 19.43% | 27.13% | 31.63% |
| Net Income (Continuing) | 128.26M | 126.48M | 192.12M | 236.41M | 392.08M | 373.54M | 429.38M | 512.81M | 651.95M | 759.63M |
| 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) | 3.98▲ 0% | 4.57▲ 14.8% | 6.34▲ 38.7% | 7.90▲ 24.6% | 13.40▲ 69.6% | 14.18▲ 5.8% | 16.93▲ 19.4% | 20.45▲ 20.8% | 26.54▲ 29.8% | 31.99▲ 0% |
| EPS Growth % | 17.4% | 14.82% | 38.73% | 24.61% | 69.62% | 5.82% | 19.39% | 20.79% | 29.78% | 35.96% |
| EPS (Basic) | 4.16 | 4.79 | 6.63 | 8.13 | 13.65 | 14.34 | 17.18 | 20.78 | 26.90 | - |
| Diluted Shares Outstanding | 32.24M | 31.18M | 30.29M | 29.93M | 29.26M | 26.35M | 25.37M | 25.08M | 24.56M | 23.75M |
| Basic Shares Outstanding | 30.86M | 29.71M | 28.98M | 29.07M | 28.73M | 26.04M | 24.99M | 24.68M | 24.24M | 23.63M |
| Dividend Payout Ratio | 0.97% | - | - | - | - | - | - | - | - | - |
FICO Balance Sheet
Fair Isaac Corporation (FICO) balance sheet — assets, liabilities & shareholders' equity
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 310.93M | 338.51M | 455.71M | 534.08M | 550.97M | 484.71M | 556.45M | 617.41M | 705.16M | 900.77M |
| Cash & Short-Term Investments | 105.62M | 90.02M | 106.43M | 157.39M | 195.35M | 133.2M | 136.78M | 150.67M | 134.14M | 219.42M |
| Cash Only | 105.62M | 90.02M | 106.43M | 157.39M | 195.35M | 133.2M | 136.78M | 150.67M | 134.14M | 219.42M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 168.59M | 266.74M | 297.43M | 334.18M | 312.11M | 322.41M | 387.95M | 426.64M | 529.15M | 619.96M |
| Days Sales Outstanding | 66.01 | 94.3 | 93.58 | 94.22 | 86.53 | 85.44 | 93.55 | 90.67 | 97.01 | 84.88 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 31.72M | 40.1M | 41.88M | 61.4M |
| Total Non-Current Assets | 944.69M | 916.57M | 977.74M | 1.07B | 1.02B | 957.32M | 1.02B | 1.1B | 1.16B | 1.15B |
| Property, Plant & Equipment | 40.7M | 48.84M | 53.03M | 104.08M | 75.19M | 54.27M | 36.67M | 68.05M | 93.93M | 104.65M |
| Fixed Asset Turnover | 22.90x | 21.14x | 21.88x | 12.44x | 17.51x | 25.38x | 41.28x | 25.24x | 21.20x | 23.42x |
| Goodwill | 804.41M | 800.89M | 803.54M | 812.36M | 788.18M | 761.07M | 773.33M | 782.75M | 783.34M | 781.39M |
| Intangible Assets | 21.18M | 14.54M | 14.14M | 9.24M | 4.1M | 2.02M | 917K | 0 | 0 | 0 |
| Long-Term Investments | 25.52M | 19.76M | 21.86M | 26.57M | 33.2M | 25.65M | 33.01M | 45.29M | 54.63M | 274.17M |
| Other Non-Current Assets | 5.67M | 36.25M | 79.16M | 105.28M | 95.58M | 102.51M | 115.77M | 117.87M | 112.52M | 385.9M |
| Total Assets | 1.26B▲ 0% | 1.26B▼ 0.0% | 1.43B▲ 14.2% | 1.61B▲ 12.1% | 1.57B▼ 2.4% | 1.44B▼ 8.0% | 1.58B▲ 9.2% | 1.72B▲ 9.1% | 1.87B▲ 8.7% | 2.05B▲ 0% |
| Asset Turnover | 0.74x | 0.82x | 0.81x | 0.81x | 0.84x | 0.96x | 0.96x | 1.00x | 1.07x | 1.18x |
| Asset Growth % | 2.83% | -0.04% | 14.21% | 12.05% | -2.39% | -8.02% | 9.24% | 9.05% | 8.75% | 37.93% |
| Total Current Liabilities | 326.65M | 422.21M | 490.83M | 414.51M | 559.21M | 331.46M | 367.69M | 380.29M | 849.22M | 405.29M |
| Accounts Payable | 19.51M | 20.25M | 23.12M | 23.03M | 20.75M | 17.27M | 19.01M | 22.47M | 32.31M | 36.34M |
| Days Payables Outstanding | 24.8 | 23.79 | 25.05 | 23.28 | 22.78 | 20.86 | 22.31 | 23.56 | 33.35 | 31.82 |
| Short-Term Debt | 142M | 235M | 218M | 95M | 250M | 30M | 50M | 15M | 399.54M | 0 |
| Deferred Revenue (Current) | 55.43M | 52.22M | 111.02M | 115.16M | 105.42M | 120.05M | 136.73M | 156.9M | 187.37M | 715.62M |
| Other Current Liabilities | 77.61M | 84.29M | 106.24M | 117.95M | 103.51M | 97.89M | 102.47M | 106.1M | 115.37M | 98.53M |
| Current Ratio | 0.95x | 0.80x | 0.93x | 1.29x | 0.99x | 1.46x | 1.51x | 1.62x | 0.83x | 0.83x |
| Quick Ratio | 0.95x | 0.80x | 0.93x | 1.29x | 0.99x | 1.46x | 1.51x | 1.62x | 0.83x | 0.83x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | 53.06 |
| Total Non-Current Liabilities | 502.43M | 569.13M | 652.85M | 860.65M | 1.12B | 1.91B | 1.9B | 2.3B | 2.76B | 3.74B |
| Long-Term Debt | 462.8M | 528.94M | 606.79M | 739.43M | 1.01B | 1.82B | 1.81B | 2.19B | 2.66B | 3.64B |
| Capital Lease Obligations | 0 | 0 | 3.87M | 73.21M | 53.67M | 39.19M | 23.9M | 21.96M | 19.19M | 75.76M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 39.63M | 40.18M | 42.2M | 48.01M | 56.82M | 49.66M | 60.02M | 84.29M | 89.36M | 338.64M |
| Total Liabilities | 829.08M | 991.34M | 1.14B | 1.28B | 1.68B | 2.24B | 2.26B | 2.68B | 3.61B | 4.15B |
| Total Debt | 604.8M | 763.94M | 824.79M | 907.64M | 1.33B | 1.91B | 1.9B | 2.24B | 3.07B | 3.66B |
| Net Debt | 499.18M | 673.92M | 718.36M | 750.25M | 1.14B | 1.78B | 1.77B | 2.09B | 2.94B | 3.44B |
| Debt / Equity | 1.42x | 2.90x | 2.85x | 2.74x | - | - | - | - | - | -1.74x |
| Debt / EBITDA | 2.77x | 3.72x | 2.89x | 2.78x | 2.51x | 3.40x | 2.89x | 3.00x | 3.27x | 3.17x |
| Net Debt / EBITDA | 2.29x | 3.28x | 2.52x | 2.30x | 2.15x | 3.16x | 2.68x | 2.80x | 3.13x | 3.13x |
| Interest Coverage | 7.06x | 6.01x | 6.44x | 7.09x | 12.80x | 7.83x | 6.79x | 7.08x | 7.01x | 7.20x |
| Total Equity | 426.54M▲ 0% | 263.74M▼ 38.2% | 289.77M▲ 9.9% | 331.08M▲ 14.3% | -110.94M▼ 133.5% | -801.95M▼ 622.9% | -687.99M▲ 14.2% | -962.68M▼ 39.9% | -1.75B▼ 81.3% | -2.1B▲ 0% |
| Equity Growth % | -4.54% | -38.17% | 9.87% | 14.26% | -133.51% | -622.85% | 14.21% | -39.93% | -81.35% | -295.69% |
| Book Value per Share | 13.23 | 8.46 | 9.57 | 11.06 | -3.79 | -30.44 | -27.12 | -38.39 | -71.08 | -88.50 |
| Total Shareholders' Equity | 426.54M | 263.74M | 289.77M | 331.08M | -110.94M | -801.95M | -687.99M | -962.68M | -1.75B | -2.1B |
| Common Stock | 302K | 290K | 289K | 291K | 276K | 252K | 248K | 244K | 238K | 233K |
| Retained Earnings | 1.6B | 1.76B | 1.96B | 2.19B | 2.59B | 2.96B | 3.39B | 3.9B | 4.55B | 4.98B |
| Treasury Stock | -2.3B | -2.61B | -2.8B | -3B | -3.86B | -4.94B | -5.32B | -6.14B | -7.54B | -8.3B |
| Accumulated OCI | -66.49M | -76.42M | -90.08M | -83M | -75.85M | -124.7M | -102.14M | -91.63M | -92.05M | -95.55M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FICO Cash Flow Statement
Fair Isaac Corporation (FICO) cash flow — operating, investing & free cash flow history
| Line item | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 225.64M | 223.05M | 260.35M | 364.92M | 423.82M | 509.45M | 468.92M | 632.96M | 778.81M | 778.81M |
| Operating CF Margin % | 24.21% | 21.6% | 22.44% | 28.19% | 32.19% | 36.99% | 30.98% | 36.85% | 39.12% | - |
| Operating CF Growth % | 21.82% | -1.15% | 16.72% | 40.16% | 16.14% | 20.21% | -7.96% | 34.98% | 23.04% | 220.8% |
| Net Income | 133.41M | 126.48M | 192.12M | 236.41M | 392.08M | 373.54M | 429.38M | 512.81M | 651.95M | 759.63M |
| Depreciation & Amortization | 36.21M | 30.18M | 31.61M | 30.37M | 25.59M | 20.46M | 14.64M | 13.83M | 14.95M | 15.91M |
| Stock-Based Compensation | 61.22M | 74.81M | 82.97M | 93.68M | 112.46M | 115.36M | 123.85M | 149.44M | 156.67M | 163.89M |
| Deferred Taxes | -6.25M | 10.58M | 7.7M | -8.64M | -5.96M | 7.82M | -47.38M | -27.33M | -32.49M | -4.98M |
| Other Non-Cash Items | 1.65M | -10.6M | 1.41M | 54.4M | -87.62M | 28.18M | 11.88M | 4.7M | 6.28M | 6.51M |
| Working Capital Changes | -612K | -8.41M | -55.47M | -41.31M | -12.74M | -35.91M | -63.45M | -20.48M | -18.55M | -33.63M |
| Change in Receivables | 2.86M | -8.27M | -36.18M | -59.89M | 24.5M | -31.56M | -70.12M | -34.14M | -100.38M | -115.91M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | -2.03M | 843K | 1.89M | 1.06M | -2.35M | -2.8M | 2.24M | 3.32M | 9.85M | 12.13M |
| Cash from Investing | -20.61M | -14.12M | -42.76M | -24.58M | 137.85M | -5.67M | -15.95M | -27.99M | -43.72M | -44.98M |
| Capital Expenditures | -19.83M | -31.3M | -23.98M | -21.99M | -7.57M | -6.03M | -4.24M | -8.88M | -8.92M | -6.45M |
| CapEx % of Revenue | 2.13% | 3.03% | 2.07% | 1.7% | 0.57% | 0.44% | 0.28% | 0.52% | 0.45% | - |
| Acquisitions | 0 | 20M | -15.86M | 0 | -210K | 0 | 0 | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | 0 | 0 | 0 | 55K | 147.43M | 2.26M | -6.13M | -16.67M | -30.48M | -34.1M |
| Cash from Financing | -180.63M | -218.63M | -200.05M | -289.42M | -523.57M | -547.16M | -455M | -592.92M | -750.33M | -791.85M |
| Debt Issued (Net) | 34M | 157.15M | 59.05M | 6.44M | 421.34M | 591.93M | 5M | 342.96M | 856.25M | 1.12B |
| Equity Issued (Net) | -173.16M | -331.57M | -206.11M | -192.97M | -853.3M | -1.09B | -383.33M | -796.7M | -1.38B | -1.78B |
| Dividends Paid | -1.24M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -187.63M | -342.6M | -228.89M | -235.22M | -874.18M | -1.1B | -405.53M | -821.7M | -1.41B | -1.81B |
| Other Financing | -40.23M | -44.2M | -53M | -102.9M | -91.61M | -50.94M | -76.67M | -139.19M | -224.9M | -132.14M |
| Net Change in Cash | 29.69M▲ 0% | -15.6M▼ 152.5% | 16.4M▲ 205.2% | 50.97M▲ 210.7% | 37.96M▼ 25.5% | -62.15M▼ 263.7% | 3.58M▲ 105.8% | 13.89M▲ 288.4% | -16.53M▼ 219.0% | 72.78M▲ 0% |
| Free Cash Flow | 205.82M▲ 0% | 191.75M▼ 6.8% | 236.37M▲ 23.3% | 342.93M▲ 45.1% | 416.25M▲ 21.4% | 503.42M▲ 20.9% | 464.68M▼ 7.7% | 607.41M▲ 30.7% | 769.88M▲ 26.7% | 892.68M▲ 0% |
| FCF Margin % | 22.08% | 18.57% | 20.38% | 26.49% | 31.62% | 36.55% | 30.7% | 35.37% | 38.67% | 39.57% |
| FCF Growth % | 9.3% | -6.83% | 23.27% | 45.08% | 21.38% | 20.94% | -7.7% | 30.72% | 26.75% | 31.79% |
| FCF per Share | 6.38 | 6.15 | 7.80 | 11.46 | 14.23 | 19.11 | 18.32 | 24.22 | 31.35 | 31.35 |
| FCF Conversion (FCF/Net Income) | 1.76x | 1.57x | 1.36x | 1.54x | 1.08x | 1.36x | 1.09x | 1.23x | 1.19x | 1.18x |
| Interest Paid | 26.08M | 26.11M | 39.92M | 37.73M | 37.95M | 57.21M | 96.88M | 106.39M | 103.56M | -60.94M |
| Taxes Paid | 31.32M | 13.4M | 18.78M | 10.15M | 71.49M | 65.33M | 152.78M | 133.72M | 162.09M | -92.21M |
FICO Key Ratios
Fair Isaac Corporation (FICO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 29.37% | 41.26% | 69.42% | 76.16% | 356.21% | - | - | - | - | -43.08% |
| Return on Invested Capital (ROIC) | 14.63% | 14.12% | 19.55% | 21.25% | 35.94% | 40.57% | 46.94% | 49.88% | 59.69% | 59.69% |
| Gross Margin | 69.2% | 69.91% | 70.96% | 72.1% | 74.75% | 78.06% | 79.45% | 79.73% | 82.23% | 84.17% |
| Net Margin | 13.76% | 13.79% | 16.56% | 18.26% | 29.78% | 27.12% | 28.37% | 29.86% | 32.75% | 33.67% |
| Debt / Equity | 1.42x | 2.90x | 2.85x | 2.74x | - | - | - | - | - | -1.74x |
| Interest Coverage | 7.06x | 6.01x | 6.44x | 7.09x | 12.80x | 7.83x | 6.79x | 7.08x | 7.01x | 7.20x |
| FCF Conversion | 1.76x | 1.57x | 1.36x | 1.54x | 1.08x | 1.36x | 1.09x | 1.23x | 1.19x | 1.18x |
| Revenue Growth | 5.77% | 10.76% | 12.36% | 11.59% | 1.7% | 4.61% | 9.9% | 13.48% | 15.91% | 22.57% |
FICO SEC Filings & Documents
Fair Isaac Corporation (FICO) SEC filings — annual & quarterly reports (10-K, 10-Q)
FICO Frequently Asked Questions
Fair Isaac Corporation (FICO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Fair Isaac Corporation (FICO) reported $2.26B in revenue for fiscal year 2025. This represents a 1417% increase from $148.7M in 1996.
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 $759.6M in net income for fiscal year 2025 (32.7% net margin).
Dividend & Returns
Fair Isaac Corporation (FICO) generated $892.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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