NYSE : FICO
Fair Isaac Corporation — Financial statements
Technology · Software - Application · United States
Last price 711.23 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 15.36B
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Financial statements
Fair Isaac Corporation (FICO) reported revenue of 2.39B USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year October - September; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Revenue | 2.39B | 1.99B | 1.72B | 1.51B | 1.38B | 1.32B |
| Cost of Revenue | 356.65M | 353.72M | 348.21M | 311.05M | 302.17M | 332.46M |
| Gross Profit | 2.04B | 1.64B | 1.37B | 1.20B | 1.08B | 984.07M |
| Selling, General & Admin | 581.21M | 513.03M | 462.83M | 400.56M | 383.86M | 396.28M |
| Research & Development | 208.49M | 188.35M | 171.94M | 159.95M | 146.76M | 171.23M |
| Amortization of Goodwill & Intangibles | 917.00K | 1.10M | 2.06M | 3.25M | ||
| Operating Expenses | 789.70M | 701.38M | 635.69M | 561.62M | 532.68M | 570.77M |
| Operating Income | 1.25B | 935.77M | 733.63M | 640.89M | 542.41M | 413.31M |
| Interest Expense | -186.34M | -133.65M | -105.64M | -95.55M | -68.97M | -40.09M |
| Currency Exchange Gain (Loss) | 460.00K | 1.10M | -600.00K | -2.60M | 1.90M | |
| Other Non Operating Income (Expenses) | 8.50M | 5.27M | 4.80M | 6.03M | 5.23M | 3.18M |
| EBT Excluding Unusual Items | 1.07B | 808.49M | 632.19M | 548.77M | 480.58M | 376.39M |
| Merger & Restructuring Charges | -10.92M | -10.92M | -7.96M | |||
| Gain (Loss) on Sale of Investments | 6.16M | 5.02M | 9.83M | 2.91M | -9.27M | 4.57M |
| Gain (Loss) on Sale of Assets | 1.94M | 100.14M | ||||
| Pretax Income | 1.07B | 802.60M | 642.02M | 553.62M | 471.31M | 473.14M |
| Income Tax Expense | 250.06M | 150.65M | 129.21M | 124.25M | 97.77M | 81.06M |
| Net Income | 815.02M | 651.95M | 512.81M | 429.38M | 373.54M | 392.08M |
| Net Income to Common | 815.02M | 651.95M | 512.81M | 429.38M | 373.54M | 392.08M |
| Shares Outstanding (Basic) | 23.48M | 24.24M | 24.68M | 24.99M | 26.04M | 28.73M |
| Shares Outstanding (Diluted) | 23.64M | 24.56M | 25.08M | 25.37M | 26.35M | 29.26M |
| EPS (Basic) | 34.71 | 26.90 | 20.78 | 17.18 | 14.34 | 13.65 |
| EPS (Diluted) | 34.47 | 26.54 | 20.45 | 16.93 | 14.18 | 13.40 |
| Free Cash Flow | 996.02M | 769.88M | 624.08M | 458.55M | 503.42M | 416.25M |
| Free Cash Flow Per Share | 42.13 | 31.35 | 24.89 | 18.08 | 19.11 | 14.23 |
| Gross Margin | 85.10% | 82.23% | 79.73% | 79.45% | 78.06% | 74.75% |
| Operating Margin | 52.11% | 47.00% | 42.71% | 42.34% | 39.38% | 31.39% |
| Profit Margin | 34.05% | 32.75% | 29.86% | 28.37% | 27.12% | 29.78% |
| Free Cash Flow Margin | 41.61% | 38.67% | 36.34% | 30.30% | 36.55% | 31.62% |
| EBITDA | 1.26B | 950.72M | 747.46M | 655.53M | 562.88M | 437.87M |
| EBITDA Margin | 52.78% | 47.75% | 43.52% | 43.31% | 40.87% | 33.26% |
| D&A For EBITDA | 16.14M | 14.95M | 13.83M | 14.64M | 20.46M | 24.57M |
| EBIT | 1.25B | 935.77M | 733.63M | 640.89M | 542.41M | 413.31M |
| EBIT Margin | 52.11% | 47.00% | 42.71% | 42.34% | 39.38% | 31.39% |
| Effective Tax Rate | 23.48% | 18.77% | 20.13% | 22.44% | 20.74% | 17.13% |
| Revenue as Reported | 2.39B | 1.99B | 1.72B | 1.51B | 1.38B | 1.32B |
| Advertising Expenses | 29.70M | 12.30M | 9.80M | 8.10M | 6.90M |
Balance sheet
Fiscal year October - September; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 248.44M | 134.14M | 150.67M | 136.78M | 133.20M | 195.35M |
| Cash & Short-Term Investments | 248.44M | 134.14M | 150.67M | 136.78M | 133.20M | 195.35M |
| Receivables | 592.53M | 529.15M | 426.64M | 387.95M | 322.41M | 312.11M |
| Prepaid Expenses | 40.59M | 41.88M | 40.10M | 31.72M | 29.10M | 43.51M |
| Total Current Assets | 881.56M | 705.16M | 617.41M | 556.45M | 484.71M | 550.97M |
| Property, Plant & Equipment | 114.08M | 93.93M | 68.05M | 36.67M | 54.27M | 75.19M |
| Long-Term Investments | 1.14M | 1.31M | ||||
| Goodwill | 791.82M | 783.34M | 782.75M | 773.33M | 761.07M | 788.18M |
| Other Intangible Assets | 917.00K | 2.02M | 4.10M | |||
| Long-Term Accounts Receivable | 24.29M | 37.21M | 42.64M | 45.72M | 42.11M | 37.45M |
| Long-Term Deferred Tax Assets | 92.38M | 118.55M | 86.51M | 59.14M | 11.80M | 20.55M |
| Long-Term Deferred Charges | 63.20M | 60.50M | 58.60M | 53.00M | 44.90M | |
| Other Long-Term Assets | 133.25M | 66.74M | 60.02M | 44.47M | 31.92M | 45.12M |
| Total Assets | 2.04B | 1.87B | 1.72B | 1.58B | 1.44B | 1.57B |
| Accounts Payable | 26.88M | 32.31M | 22.47M | 19.01M | 17.27M | 20.75M |
| Accrued Expenses | 212.89M | 217.11M | 171.22M | 145.61M | 144.77M | 160.97M |
| Current Portion of Long-Term Debt | 300.00M | 399.54M | 15.00M | 50.00M | 30.00M | 250.00M |
| Current Portion of Leases | 12.88M | 14.70M | 16.34M | 19.37M | 22.07M | |
| Current Unearned Revenue | 205.42M | 187.37M | 156.90M | 136.73M | 120.05M | 105.42M |
| Total Current Liabilities | 745.19M | 849.22M | 380.29M | 367.69M | 331.46M | 559.21M |
| Long-Term Debt | 5.28B | 2.66B | 2.19B | 1.81B | 1.82B | 1.01B |
| Long-Term Leases | 15.62M | 23.13M | 29.23M | 23.90M | 39.19M | 53.67M |
| Long-Term Unearned Revenue | 1.86M | 1.87M | 3.31M | 6.50M | 6.51M | 5.35M |
| Other Long-Term Liabilities | 89.44M | 83.56M | 73.72M | 53.52M | 43.15M | 51.48M |
| Total Liabilities | 6.13B | 3.61B | 2.68B | 2.26B | 2.24B | 1.68B |
| Common Stock | 216.00K | 238.00K | 244.00K | 248.00K | 252.00K | 276.00K |
| Additional Paid-In Capital | 1.06B | 1.33B | 1.37B | 1.35B | 1.30B | 1.24B |
| Retained Earnings | 5.21B | 4.55B | 3.90B | 3.39B | 2.96B | 2.59B |
| Treasury Stock | -10.28B | -7.54B | -6.14B | -5.32B | -4.94B | -3.86B |
| Comprehensive Income & Other | -96.08M | -92.05M | -91.63M | -102.14M | -124.70M | -75.85M |
| Shareholders' Equity | -4.10B | -1.75B | -962.68M | -687.99M | -801.95M | -110.94M |
| Total Liabilities & Equity | 2.04B | 1.87B | 1.72B | 1.58B | 1.44B | 1.57B |
| Total Debt | 5.60B | 3.09B | 2.25B | 1.90B | 1.91B | 1.33B |
| Net Cash (Debt) | -5.35B | -2.96B | -2.10B | -1.77B | -1.78B | -1.14B |
| Net Cash Per Share | -226.28 | -120.42 | -83.83 | -69.58 | -67.52 | -38.94 |
| Filing Date Shares Outstanding | 21.60M | 23.71M | 24.35M | 24.71M | 24.98M | 27.36M |
| Total Common Shares Outstanding | 21.60M | 23.76M | 24.39M | 24.77M | 25.15M | 27.57M |
| Working Capital | 136.37M | -144.05M | 237.13M | 188.76M | 153.26M | -8.23M |
| Book Value Per Share | -189.71 | -73.46 | -39.47 | -27.78 | -31.88 | -4.02 |
| Tangible Book Value | -4.89B | -2.53B | -1.75B | -1.46B | -1.57B | -903.23M |
| Tangible Book Value Per Share | -226.37 | -106.43 | -71.56 | -59.03 | -62.22 | -32.76 |
| Machinery | 50.23M | 83.56M | 82.22M | 91.12M | 102.90M | |
| Leasehold Improvements | 15.90M | 15.85M | 16.74M | 21.29M | 22.07M |
Cash flow statement
Fiscal year October - September; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 815.02M | 651.95M | 512.81M | 429.38M | 373.54M | 392.08M |
| Depreciation & Amortization | 16.14M | 14.95M | 13.83M | 14.64M | 20.46M | 24.57M |
| Other Amortization | 1.03M | |||||
| Loss (Gain) From Sale of Assets | 143.00K | 210.00K | 438.00K | -1.39M | 193.00K | -99.81M |
| Loss (Gain) From Sale of Investments | -6.16M | -5.02M | -9.83M | -2.91M | 9.27M | -4.57M |
| Stock-Based Compensation | 174.29M | 156.67M | 149.44M | 123.85M | 115.36M | 112.46M |
| Provision & Write-off of Bad Debts | 1.49M | 1.68M | 1.48M | 2.80M | 652.00K | |
| Other Operating Activities | 21.97M | -22.88M | -14.91M | -32.67M | 23.74M | 10.15M |
| Change in Accounts Receivable | -118.36M | -100.38M | -34.14M | -70.12M | -31.56M | 24.50M |
| Change in Accounts Payable | 35.00K | 9.85M | 3.32M | 2.24M | -2.80M | -2.35M |
| Change in Unearned Revenue | 31.80M | 29.74M | 13.97M | 18.76M | 23.55M | 4.49M |
| Change in Other Net Operating Assets | 66.67M | 42.24M | -3.62M | -14.33M | -25.10M | -39.37M |
| Operating Cash Flow | 1.00B | 778.81M | 632.96M | 468.92M | 509.45M | 423.82M |
| Capital Expenditures | -5.53M | -8.92M | -8.88M | -10.36M | -6.03M | -7.57M |
| Sale of Property, Plant & Equipment | 2.26M | 147.43M | ||||
| Sale (Purchase) of Intangibles | -35.15M | -30.48M | -16.67M | |||
| Investment in Securities | -12.81M | -210.00K | ||||
| Other Investing Activities | 876.00K | -4.31M | -2.44M | -5.59M | -1.90M | -1.80M |
| Investing Cash Flow | -52.60M | -43.72M | -27.99M | -15.95M | -5.67M | 137.85M |
| Long-Term Debt Issued | 2.23B | 947.00M | 407.00M | 1.59B | 682.00M | |
| Long-Term Debt Repaid | -1.37B | -603.33M | -402.00M | -988.25M | -259.18M | |
| Net Debt Issued (Repaid) | 2.81B | 853.11M | 343.67M | 5.00M | 600.75M | 422.82M |
| Issuance of Common Stock | 25.85M | 32.82M | 25.01M | 22.20M | 16.03M | 20.88M |
| Repurchase of Common Stock | -3.71B | -1.62B | -960.89M | -482.20M | -1.16B | -965.79M |
| Other Financing Activities | -12.06M | -17.16M | -706.00K | -8.82M | -1.49M | |
| Financing Cash Flow | -885.88M | -750.33M | -592.92M | -455.00M | -547.16M | -523.57M |
| Foreign Exchange Rate Adjustments | -3.67M | -1.29M | 1.84M | 5.62M | -18.77M | -136.00K |
| Net Cash Flow | 59.40M | -16.53M | 13.89M | 3.58M | -62.15M | 37.96M |
| Free Cash Flow | 996.02M | 769.88M | 624.08M | 458.55M | 503.42M | 416.25M |
| Free Cash Flow Margin | 41.61% | 38.67% | 36.34% | 30.30% | 36.55% | 31.62% |
| Free Cash Flow Per Share | 42.13 | 31.35 | 24.89 | 18.08 | 19.11 | 14.23 |
| Levered Free Cash Flow | 774.41M | 615.46M | 532.37M | 420.07M | 424.76M | 377.40M |
| Unlevered Free Cash Flow | 890.88M | 698.99M | 598.39M | 479.78M | 467.86M | 402.46M |
| Cash Interest Paid | 164.87M | 103.56M | 106.39M | 96.88M | 57.21M | 37.95M |
| Cash Income Tax Paid | 195.89M | 162.09M | 133.72M | 152.78M | 65.33M | 71.49M |
| Change in Working Capital | -19.85M | -18.55M | -20.48M | -63.45M | -35.91M | -12.74M |
Ratios
Fiscal year October - September; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 15.36B | 35.92B | 47.65B | 21.59B | 10.40B | 11.30B |
| Enterprise Value | 20.71B | 38.53B | 49.65B | 23.40B | 12.25B | 12.17B |
| Last Close Price | 711.23 | 1,496.53 | 1,943.52 | 868.53 | 412.01 | 397.93 |
| PE Ratio | 20.63 | 55.10 | 92.92 | 50.28 | 27.85 | 28.81 |
| Forward PE | 15.49 | 44.55 | 70.24 | 38.02 | 22.96 | 30.18 |
| PS Ratio | 6.42 | 18.04 | 27.75 | 14.26 | 7.55 | 8.58 |
| PB Ratio | -20.58 | -49.50 | -31.38 | -12.97 | -101.82 | |
| P/FCF Ratio | 15.42 | 46.66 | 76.36 | 47.08 | 20.67 | 27.14 |
| P/OCF Ratio | 15.34 | 46.12 | 75.28 | 46.04 | 20.42 | 26.65 |
| PEG Ratio | 0.98 | 1.59 | 2.63 | 2.78 | 1.19 | 1.65 |
| EV/Sales Ratio | 8.65 | 19.36 | 28.91 | 15.46 | 8.89 | 9.24 |
| EV/EBITDA Ratio | 16.39 | 40.53 | 66.42 | 35.69 | 21.76 | 27.80 |
| EV/EBIT Ratio | 16.61 | 41.18 | 67.67 | 36.51 | 22.58 | 29.45 |
| EV/FCF Ratio | 20.79 | 50.05 | 79.55 | 51.03 | 24.33 | 29.24 |
| Debt / Equity Ratio | -1.37 | -1.77 | -2.34 | -2.76 | -2.38 | -12.03 |
| Debt / EBITDA Ratio | 4.39 | 3.20 | 2.95 | 2.82 | 3.28 | 2.91 |
| Debt / FCF Ratio | 5.62 | 4.02 | 3.61 | 4.15 | 3.80 | 3.21 |
| Net Debt / Equity Ratio | -1.31 | -1.69 | -2.18 | -2.57 | -2.22 | -10.27 |
| Net Debt / EBITDA Ratio | 4.23 | 3.11 | 2.81 | 2.69 | 3.16 | 2.60 |
| Net Debt / FCF Ratio | 5.37 | 3.84 | 3.37 | 3.85 | 3.53 | 2.74 |
| Asset Turnover | 1.23 | 1.11 | 1.04 | 1.00 | 0.92 | 0.83 |
| Quick Ratio | 1.13 | 0.78 | 1.52 | 1.43 | 1.38 | 0.91 |
| Current Ratio | 1.18 | 0.83 | 1.62 | 1.51 | 1.46 | 0.98 |
| Return on Equity (ROE) | 356.21% | |||||
| Return on Assets (ROA) | 39.98% | 32.62% | 27.85% | 26.55% | 22.53% | 16.28% |
| Return on Invested Capital (ROIC) | 65.03% | 64.51% | 46.05% | 42.88% | 40.57% | 32.34% |
| Return on Capital Employed (ROCE) | 96.50% | 91.80% | 54.80% | 53.10% | 48.80% | 41.00% |
| Earnings Yield | 4.85% | 1.81% | 1.08% | 1.99% | 3.59% | 3.47% |
| FCF Yield | 6.48% | 2.14% | 1.31% | 2.12% | 4.84% | 3.69% |
| Buyback Yield / Dilution | 4.50% | 2.07% | 1.14% | 3.72% | 9.96% | 2.25% |
| Total Shareholder Return | 4.50% | 2.07% | 1.14% | 3.72% | 9.96% | 2.25% |