Fair Isaac Corporation (FICO) Financial Ratios
30 years of historical data (1996–2025) · Technology · Software - Application
EV/EBITDA
↑
30.19
↓-22% vs avg
5yr avg: 38.59
30Y Low6.0·High68.0
P/FCF
↑
33.03
↓-27% vs avg
5yr avg: 44.99
30Y Low7.1·High142.8
P/B Ratio
N/A
—
5yr avg: N/A
30Y Low1.3·High38.5
ROE
N/A
—
5yr avg: 356.2%
30Y Low3%·High356%
Debt/EBITDA
↑
3.27
+9% vs avg
5yr avg: 3.02
30Y Low0.0·High3.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FICO Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Fair Isaac Corporation trades at 41.3x earnings, 21% below its 5-year average of 52.3x, sitting at the 77th percentile of its historical range. Compared to the Technology sector median P/E of 29.0x, the stock trades at a premium of 42%. On a free-cash-flow basis, the stock trades at 33.0x P/FCF, 27% below the 5-year average of 45.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $25.4B | $36.8B | $48.7B | $22.0B | $10.9B | $11.6B | $12.7B | $9.2B | $7.1B | $4.5B | $4.0B |
| Enterprise Value | $28.4B | $39.7B | $50.8B | $23.8B | $12.6B | $12.8B | $13.5B | $9.9B | $7.8B | $5.0B | $4.5B |
| P/E Ratio → | 41.31 | 56.39 | 95.04 | 51.30 | 29.06 | 29.70 | 53.85 | 47.87 | 50.01 | 35.30 | 36.75 |
| P/S Ratio | 12.77 | 18.46 | 28.38 | 14.56 | 7.88 | 8.84 | 9.84 | 7.93 | 6.90 | 4.86 | 4.57 |
| P/B Ratio | — | — | — | — | — | — | 38.46 | 31.73 | 27.02 | 10.62 | 9.01 |
| P/FCF | 33.03 | 47.74 | 80.24 | 47.41 | 21.56 | 27.97 | 37.13 | 38.90 | 37.16 | 22.01 | 21.38 |
| P/OCF | 32.65 | 47.20 | 77.01 | 46.99 | 21.31 | 27.47 | 34.89 | 35.32 | 31.95 | 20.08 | 21.73 |
P/E links to full P/E history page with 30-year chart
FICO EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Fair Isaac Corporation's enterprise value stands at 30.2x EBITDA, 22% below its 5-year average of 38.6x. The Technology sector median is 16.7x, placing the stock at a 80% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 19.94 | 29.60 | 15.72 | 9.17 | 9.71 | 10.41 | 8.55 | 7.55 | 5.40 | 5.13 |
| EV / EBITDA | 30.19 | 42.24 | 68.01 | 36.20 | 22.45 | 24.07 | 41.32 | 34.76 | 37.95 | 23.03 | 22.46 |
| EV / EBIT | 30.67 | 42.40 | 67.99 | 36.66 | 23.38 | 24.91 | 45.07 | 38.75 | 41.44 | 27.62 | 26.40 |
| EV / FCF | — | 51.56 | 83.69 | 51.21 | 25.10 | 30.71 | 39.32 | 41.94 | 40.68 | 24.44 | 24.00 |
FICO Profitability
Margins and return-on-capital ratios measuring operating efficiency
Fair Isaac Corporation earns an operating margin of 46.5%. Operating margins have expanded from 42.5% to 46.5% over the past 3 years, signaling improving operational efficiency. ROIC of 59.7% represents excellent returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 82.2% | 82.2% | 79.7% | 79.4% | 78.1% | 74.7% | 72.1% | 71.0% | 69.9% | 69.2% | 69.9% |
| Operating Margin | 46.5% | 46.5% | 42.7% | 42.5% | 39.4% | 38.4% | 22.9% | 21.9% | 17.0% | 19.5% | 19.2% |
| Net Profit Margin | 32.7% | 32.7% | 29.9% | 28.4% | 27.1% | 29.8% | 18.3% | 16.6% | 13.8% | 13.8% | 12.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | — | — | — | 356.2% | 76.2% | 69.4% | 41.3% | 29.4% | 24.8% |
| ROA | 36.4% | 36.4% | 31.1% | 28.5% | 24.8% | 24.7% | 15.6% | 14.3% | 11.3% | 10.4% | 8.9% |
| ROIC | 59.7% | 59.7% | 49.9% | 46.9% | 40.6% | 35.9% | 21.2% | 19.5% | 14.1% | 14.6% | 13.4% |
| ROCE | 78.5% | 78.5% | 57.6% | 55.5% | 51.2% | 45.9% | 27.7% | 28.6% | 19.9% | 19.1% | 17.3% |
FICO Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Fair Isaac Corporation carries a Debt/EBITDA ratio of 3.3x, which is moderately leveraged (11% above the sector average of 2.9x). Net debt stands at $2.9B ($3.1B total debt minus $134M cash). Interest coverage of 7.0x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | — | 2.74 | 2.85 | 2.90 | 1.42 | 1.28 |
| Debt / EBITDA | 3.27 | 3.27 | 3.00 | 2.89 | 3.40 | 2.51 | 2.78 | 2.89 | 3.72 | 2.77 | 2.84 |
| Net Debt / Equity | — | — | — | — | — | — | 2.27 | 2.48 | 2.56 | 1.17 | 1.11 |
| Net Debt / EBITDA | 3.13 | 3.13 | 2.80 | 2.68 | 3.16 | 2.15 | 2.30 | 2.52 | 3.28 | 2.29 | 2.46 |
| Debt / FCF | — | 3.82 | 3.44 | 3.80 | 3.53 | 2.74 | 2.19 | 3.04 | 3.51 | 2.43 | 2.63 |
| Interest Coverage | 7.01 | 7.01 | 7.08 | 6.79 | 7.83 | 12.80 | 7.09 | 6.44 | 6.01 | 7.06 | 6.43 |
FICO Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.83x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 1.51x to 0.83x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.83 | 0.83 | 1.62 | 1.51 | 1.46 | 0.99 | 1.29 | 0.93 | 0.80 | 0.95 | 1.09 |
| Quick Ratio | 0.83 | 0.83 | 1.62 | 1.51 | 1.46 | 0.99 | 1.29 | 0.93 | 0.80 | 0.95 | 1.09 |
| Cash Ratio | 0.16 | 0.16 | 0.40 | 0.37 | 0.40 | 0.35 | 0.38 | 0.22 | 0.21 | 0.32 | 0.31 |
| Asset Turnover | — | 1.07 | 1.00 | 0.96 | 0.96 | 0.84 | 0.81 | 0.81 | 0.82 | 0.74 | 0.72 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 97.01 | 90.67 | 93.55 | 85.44 | 86.53 | 94.22 | 93.58 | 94.30 | 66.01 | 69.49 |
FICO Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Fair Isaac Corporation returns 5.6% to shareholders annually primarily through share buybacks. The earnings yield of 2.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | 0.0% | 0.1% |
| Payout Ratio | — | — | — | — | — | — | — | — | — | 1.0% | 2.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 2.4% | 1.8% | 1.1% | 1.9% | 3.4% | 3.4% | 1.9% | 2.1% | 2.0% | 2.8% | 2.7% |
| FCF Yield | 3.0% | 2.1% | 1.2% | 2.1% | 4.6% | 3.6% | 2.7% | 2.6% | 2.7% | 4.5% | 4.7% |
| Buyback Yield | 5.6% | 3.8% | 1.7% | 1.8% | 10.2% | 7.5% | 1.8% | 2.5% | 4.8% | 4.1% | 3.4% |
| Total Shareholder Yield | 5.6% | 3.8% | 1.7% | 1.8% | 10.2% | 7.5% | 1.8% | 2.5% | 4.8% | 4.2% | 3.5% |
| Shares Outstanding | — | $25M | $25M | $25M | $26M | $29M | $30M | $30M | $31M | $32M | $32M |
Peer Comparison
Compare FICO with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FICOYou | $25B | 41.3 | 30.2 | 33.0 | 82.2% | 46.5% | — | 59.7% | 3.3 |
 VRSK | $23B | 26.8 | 15.3 | 19.1 | 67.3% | 44.6% | 437.9% | 33.0% | 3.0 |
 MSCI | $42B | 37.4 | 24.9 | 27.3 | 82.4% | 54.7% | — | 34.9% | 3.3 |
 MCO | $80B | 33.0 | 21.6 | 31.0 | 68.2% | 44.8% | 62.0% | 22.5% | 1.9 |
 SPGI | $122B | 28.0 | 17.5 | 22.3 | 70.2% | 42.2% | 12.1% | 9.7% | 1.9 |
 EFX | $19B | 28.9 | 12.9 | 16.4 | 44.6% | 18.0% | 13.7% | 8.5% | 2.8 |
 TRU | $12B | 27.8 | 11.7 | 18.8 | 59.1% | 18.7% | 10.3% | 7.3% | 3.6 |
 OPEN | $3B | -2.6 | — | 3.3 | 7.0% | -6.2% | -151.3% | -15.8% | — |
 ALIT | $298M | -0.1 | 4.6 | 1.2 | 20.7% | 1.5% | -115.6% | 0.6% | 4.5 |
 JPM | $909B | 16.2 | 18.5 | 9.0 | 59.9% | 26.0% | 16.1% | 4.5% | 11.6 |
 BAC | $424B | 14.7 | 14.0 | 33.6 | 56.1% | 19.7% | 10.2% | 3.5% | 9.1 |
| Technology Median | — | 29.0 | 16.7 | 19.2 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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FICO — Frequently Asked Questions
Quick answers to the most common questions about buying FICO stock.
What is Fair Isaac Corporation's P/E ratio?
Fair Isaac Corporation's current P/E ratio is 41.3x. The historical average is 32.1x. This places it at the 77th percentile of its historical range.
What is Fair Isaac Corporation's EV/EBITDA?
Fair Isaac Corporation's current EV/EBITDA is 30.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 19.6x.
Is FICO stock overvalued?
Based on historical data, Fair Isaac Corporation is trading at a P/E of 41.3x. This is at the 77th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Fair Isaac Corporation's profit margins?
Fair Isaac Corporation has 82.2% gross margin and 46.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Fair Isaac Corporation have?
Fair Isaac Corporation's Debt/EBITDA ratio is 3.3x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.