A Business at a Glance
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FAIR ISAAC CORP
FICO
$30.4B
Mkt Cap
$1,237.37
+2.59%
FAIR ISAAC CORP (FICO) has a current P/E ratio of 45.8, compared to its historical median P/E of 49.8. The stock is currently considered Fair based on its historical valuation range.
FAIR ISAAC CORP (FICO) has a 5-year average return on invested capital (ROIC) of 49.7%. This indicates strong capital allocation and a potential competitive advantage.
FAIR ISAAC CORP (FICO) has a market capitalization of $28.8B. It is classified as a large-cap stock.
FAIR ISAAC CORP (FICO) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 6.28%.
Based on historical P/E analysis, FAIR ISAAC CORP (FICO) appears fair. The current P/E of 45.8 is 8% below its historical median of 49.8. The estimated fair value CAGR (P/E method) is 24.9%.
FAIR ISAAC CORP (FICO) operates in the Services-Business Services, Nec industry, within the Industrials sector.
FAIR ISAAC CORP (FICO) reported annual revenue of $2.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
Fair Isaac Corporation is a global analytics software leader founded in 1956 that operationalizes data-driven decision-making for thousands of businesses across more than 80 countries. The company operates two segments: Scores, which includes business-to-business scoring solutions (primarily the FICO® Score, the standard measure of consumer credit risk in the U.S. used by nearly all major banks, credit card issuers, mortgage lenders, and auto loan originators) and business-to-consumer offerings through myFICO.com, and Software, which provides pre-configured and modular analytic and decision management solutions for account origination, customer management, fraud detection, and marketing, deployed as SaaS or on-premises and typically sold as multi-year subscriptions based on usage metrics. FICO's Scores segment generates revenue through consumer reporting agencies that pay fees for each score generated by FICO's proprietary algorithms applied to credit data, while the Software segment operates on a subscription model with customers paying based on accounts, transactions, or decisioning use cases deployed. The company's competitive moat rests on more than 65 years of analytics expertise, proprietary algorithms and machine learning capabilities, and the FICO® Score's entrenched position as the industry standard in credit decisioning; FICO also offers alternative scoring products like FICO® Score XD and UltraFICO® Score to expand credit access. Primary customers include financial services institutions (banks, credit card issuers, mortgage lenders, auto lenders), insurers, retailers, telecommunications providers, consumer reporting agencies, and public agencies, with approximately 90% of revenues derived from the Americas region.
【Strong platform momentum continuing】 Management expects FICO Platform to drive accelerating software subscription revenue growth as customers add capabilities and deploy additional use cases on the centralized platform, with total software ARR projected to increase in fiscal 2026 reflecting recent platform bookings going live. The company anticipates the Direct License Program for FICO Score to go live with multiple resellers in the near term, enabling performance-based pricing models alongside traditional per-score pricing, though management notes timing uncertainty and expects conservative score volume assumptions throughout fiscal 2026 with no anticipated loss of market share in auto, card, and personal loan originations. FICO Score 10T is expected to be made available for direct licensing in both conforming and non-conforming mortgage markets in the first half of calendar 2026, with the company anticipating no loss of volume to VantageScore in fiscal 2026 and expecting bookings in the second half of the year to exceed the first half. Operating expenses are expected to trend modestly upward from Q2 run rates into the back half of fiscal 2026 driven mainly by personnel and marketing expenses, while the company continues to return capital to shareholders through share repurchases.
| Metric | Target | Period |
|---|---|---|
| Revenue | $2.45 billion | FY2026 |
| GAAP net income | $825 million | FY2026 |
| GAAP earnings per share | $35.60 | FY2026 |
| Non-GAAP net income | $946 million | FY2026 |
| Non-GAAP earnings per share | $40.45 | FY2026 |
Revenue (FY2026): “revenue guidance is now $2.45 billion, an increase of 23% versus prior year”
GAAP net income (FY2026): “GAAP net income guidance is now $825 million”
GAAP earnings per share (FY2026): “with GAAP earnings per share of $35.60, an increase of 27% and 34% respectively”
Non-GAAP net income (FY2026): “Non-GAAP net income guidance is now $946 million”
Non-GAAP earnings per share (FY2026): “with non-GAAP earnings per share of $40.45, an increase of 29% and 35% respectively”
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K, Q2 FY2026 Earnings Call, Q1 FY2026 Earnings Call, Q4 FY2025 Earnings Call, Q3 FY2025 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.3B | 2.0B | 1.7B | 1.5B | 1.4B | 1.3B |
| Net Income | 760M | 652M | 513M | 429M | 374M | 392M |
| EPS | $32.08 | $26.54 | $20.45 | $16.93 | $14.18 | $13.40 |
| Free Cash Flow | 901M | 770M | 624M | 465M | 503M | 416M |
| ROIC | 66.8% | 66.6% | 56.3% | 51.8% | 40.2% | 33.8% |
| Gross Margin | - | 82.2% | 79.7% | 79.4% | 78.1% | 74.7% |
| Debt/Equity | 0.00 | -1.75 | -2.29 | -2.71 | -2.31 | -16.02 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 1.1B | 925M | 734M | 643M | 542M | 505M |
| Operating Margin | 50.4% | 46.5% | 42.7% | 42.5% | 39.4% | 38.4% |
| ROE | 0.0% | -48.1% | -62.1% | -57.6% | -81.8% | 356.2% |
| Shares Outstanding | 23M | 25M | 25M | 25M | 26M | 29M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 789M | 839M | 881M | 932M | 1.0B | 1.2B | 1.3B | 1.3B | 1.4B | 1.5B | 1.7B | 2.0B | 2.3B |
| Gross Margin | 68.4% | 67.7% | 69.9% | 69.1% | 69.7% | 71.0% | 72.1% | 74.7% | 78.1% | 79.4% | 79.7% | 82.2% | N/A |
| R&D | 83M | 99M | 104M | 111M | 128M | 149M | 166M | 171M | 147M | 160M | 172M | 188M | 202M |
| SG&A | 278M | 300M | 329M | 337M | 377M | 414M | 421M | 396M | 384M | 401M | 463M | 513M | 549M |
| EBIT | 162M | 138M | 170M | 182M | 175M | 254M | 296M | 505M | 542M | 643M | 734M | 925M | 1.1B |
| Op. Margin | 20.5% | 16.4% | 19.2% | 19.5% | 17.0% | 21.9% | 22.9% | 38.4% | 39.4% | 42.5% | 42.7% | 46.5% | 50.4% |
| Net Income | 95M | 87M | 109M | 133M | 126M | 192M | 236M | 392M | 374M | 429M | 513M | 652M | 760M |
| Net Margin | 12.0% | 10.3% | 12.4% | 14.3% | 12.3% | 16.6% | 18.3% | 29.8% | 27.1% | 28.4% | 29.9% | 32.7% | 33.7% |
| Non-Recurring | 4.1M | 15M | -6K | 4.5M | -231K | 0 | 17M | 108M | 0 | 1.9M | 0 | 11M | 11M |
| Returns on Capital | |||||||||||||
| ROIC | 11.2% | 7.5% | 11.0% | 12.5% | 11.8% | 19.3% | 24.3% | 33.8% | 40.2% | 51.8% | 56.3% | 66.6% | 66.8% |
| ROE | 19.3% | 19.4% | 23.8% | 28.2% | 33.6% | 66.6% | 76.2% | 356.2% | -81.8% | -57.6% | -62.1% | -48.1% | 0.0% |
| ROA | 8.1% | 7.1% | 8.9% | 10.8% | 9.8% | 13.9% | 15.6% | 24.7% | 24.8% | 28.5% | 31.1% | 36.4% | 37.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 175M | 147M | 210M | 226M | 223M | 260M | 365M | 424M | 509M | 469M | 633M | 779M | 907M |
| Free Cash Flow | 162M | 122M | 188M | 206M | 192M | 236M | 343M | 416M | 503M | 465M | 624M | 770M | 901M |
| Owner Earnings | 106M | 68M | 123M | 128M | 118M | 146M | 241M | 286M | 374M | 330M | 470M | 607M | 728M |
| CapEx | 13M | 25M | 22M | 20M | 31M | 24M | 22M | 7.6M | 6.0M | 4.2M | 8.9M | 8.9M | 6.5M |
| Maint. CapEx | 33M | 34M | 32M | 36M | 30M | 32M | 30M | 26M | 20M | 15M | 14M | 15M | 16M |
| Growth CapEx | 0 | 0 | 0 | 0 | 1.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 33M | 34M | 32M | 36M | 30M | 32M | 30M | 26M | 20M | 15M | 14M | 15M | 16M |
| CapEx/OCF | 7.2% | 18.8% | 10.4% | 8.8% | 14.0% | 9.2% | 6.0% | 1.8% | 1.2% | 0.9% | 1.4% | 1.1% | 0.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 2.7M | 2.5M | 2.5M | 1.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | 0.1% | 0.1% | 0.1% | 0.0% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 217M | 131M | 138M | 188M | 343M | 229M | 235M | 874M | 1.1B | 406M | 822M | 1.4B | 1.8B |
| Buyback Yield | 11.2% | 4.9% | 3.4% | 4.1% | 4.8% | 2.5% | 1.8% | 7.4% | 9.7% | 1.8% | 1.7% | 3.8% | 6.3% |
| Stock-Based Comp | 36M | 45M | 56M | 61M | 75M | 83M | 94M | 112M | 115M | 124M | 149M | 157M | 164M |
| Debt Repayment | 0 | 0 | 0 | 0 | 7.8M | 0 | 6.8M | 1.5M | 8.8M | 0 | 706K | 17M | 17M |
| Balance Sheet | |||||||||||||
| Net Debt | 712M | 754M | 750M | 860M | 931M | 1.1B | 772M | 1.6B | 1.7B | 1.7B | 2.1B | 2.9B | 3.4B |
| Cash & Equiv. | 105M | 86M | 76M | 106M | 90M | 106M | 157M | 195M | 133M | 137M | 151M | 134M | 229M |
| Long-Term Debt | 447M | 516M | 494M | 463M | 529M | 607M | 739M | 1.0B | 1.8B | 1.8B | 2.2B | 2.7B | 3.6B |
| Debt/Equity | 1.80 | 1.92 | 1.72 | 2.07 | 3.55 | 4.04 | 2.81 | -16.02 | -2.31 | -2.71 | -2.29 | -1.75 | 0.00 |
| Interest Coverage | 5.7 | 4.7 | 6.4 | 7.1 | 5.6 | 6.4 | 7.0 | 12.6 | 7.9 | 6.7 | 6.9 | 6.9 | 43.4 |
| Equity | 455M | 437M | 481M | 466M | 287M | 290M | 331M | -111M | -802M | -688M | -963M | -1.7B | -2.1B |
| Total Assets | 1.2B | 1.2B | 1.2B | 1.3B | 1.3B | 1.4B | 1.6B | 1.6B | 1.4B | 1.6B | 1.7B | 1.9B | 2.0B |
| Total Liabilities | 738M | 793M | 774M | 829M | 1.0B | 1.1B | 1.3B | 1.7B | 2.2B | 2.3B | 2.7B | 3.6B | 4.1B |
| Intangibles | 48M | 47M | 34M | 21M | 15M | 14M | 9.2M | 4.1M | 2.0M | 917K | 0 | N/A | N/A |
| Retained Earnings | 1.3B | 1.4B | 1.5B | 1.6B | 1.8B | 2.0B | 2.2B | 2.6B | 3.0B | 3.4B | 3.9B | 4.6B | 5.0B |
| Working Capital | -53M | 43M | 22M | -16M | -78M | -35M | 120M | -8.2M | 153M | 189M | 237M | -144M | 495M |
| Current Assets | 289M | 287M | 268M | 311M | 396M | 456M | 534M | 551M | 485M | 556M | 617M | 705M | 901M |
| Current Liabilities | 341M | 244M | 246M | 327M | 474M | 491M | 415M | 559M | 331M | 368M | 380M | 849M | 405M |
| Per Share Data | |||||||||||||
| EPS | 2.72 | 2.65 | 3.39 | 4.14 | 4.06 | 6.34 | 7.90 | 13.40 | 14.18 | 16.93 | 20.45 | 26.54 | 32.08 |
| Owner EPS | 3.04 | 2.07 | 3.81 | 3.98 | 3.79 | 4.81 | 8.05 | 9.77 | 14.18 | 13.03 | 18.73 | 24.72 | 31.23 |
| Book Value | 13.03 | 13.39 | 14.91 | 14.47 | 9.23 | 9.56 | 11.06 | -3.79 | -30.44 | -27.13 | -38.39 | -71.07 | -90.22 |
| Cash Flow/Share | 5.02 | 4.50 | 6.51 | 7.00 | 7.16 | 8.59 | 12.19 | 14.48 | 19.34 | 18.49 | 25.24 | 31.70 | 33.29 |
| Dividends/Share | 0.08 | 0.08 | 0.08 | 0.04 | 0.00 | 0.00 | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 34.9M | 32.6M | 32.3M | 32.2M | 31.2M | 30.3M | 29.9M | 29.3M | 26.3M | 25.4M | 25.1M | 24.6M | 23.3M |
| Valuation | |||||||||||||
| P/E Ratio | 20.4 | 30.8 | 37.6 | 35.6 | 56.3 | 47.2 | 54.1 | 30.2 | 30.5 | 52.4 | 93.9 | 57.2 | 38.6 |
| P/FCF | 11.9 | 21.9 | 21.8 | 22.2 | 37.1 | 38.3 | 37.3 | 28.4 | 22.7 | 48.4 | 77.1 | 48.5 | 32.0 |
| EV/EBIT | 12.9 | 23.2 | 27.2 | 28.8 | 45.3 | 39.0 | 45.7 | 25.9 | 24.2 | 37.7 | 68.4 | 43.9 | 28.4 |
| Price/Book | 4.3 | 6.1 | 9.2 | 10.7 | 24.8 | 31.3 | 38.6 | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Sales | 2.5 | 3.1 | 3.8 | 4.5 | 5.6 | 6.9 | 8.6 | 10.7 | 8.2 | 11.7 | 19.2 | 22.7 | 12.8 |
| FCF Yield | 8.4% | 4.6% | 4.6% | 4.5% | 2.7% | 2.6% | 2.7% | 3.5% | 4.4% | 2.1% | 1.3% | 2.1% | 3.1% |
| Market Cap | 1.9B | 2.7B | 4.1B | 4.6B | 7.1B | 9.1B | 12.8B | 11.8B | 11.4B | 22.5B | 48.1B | 37.3B | 28.8B |
| Avg. Price | 57.14 | 80.83 | 104.82 | 129.86 | 179.19 | 265.21 | 373.69 | 480.46 | 429.30 | 699.78 | 1,317.27 | 1,841.91 | 1,237.37 |
| Year-End Price | 55.54 | 81.63 | 127.35 | 141.54 | 228.55 | 298.98 | 427.52 | 404.42 | 433.03 | 886.84 | 1,919.65 | 1,518.78 | 1,237.37 |
FAIR ISAAC CORP passes 7 of 9 quality checks, indicating strong fundamentals.
FAIR ISAAC CORP trades at 45.8x trailing earnings, compared to its 15-year median P/E of 49.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 39.1x vs a median of 37.2x. The company's 5-year average ROIC is 49.7% with a gross margin of 78.8%. Total shareholder yield (buybacks) is 6.3%. At current prices, the estimated annualized return to fair value is +21.9%.
FAIR ISAAC CORP (FICO) has a net profit margin of 32.7%. This is a strong margin indicating high profitability.
FAIR ISAAC CORP (FICO) generated $770 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FAIR ISAAC CORP (FICO) reported earnings per share (EPS) of $26.54 in its most recent fiscal year.
FAIR ISAAC CORP (FICO) has a return on equity (ROE) of -48.1%. A negative ROE may indicate losses or negative equity.
FAIR ISAAC CORP (FICO) has a 5-year average gross margin of 78.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 18 years of financial data for FAIR ISAAC CORP (FICO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FAIR ISAAC CORP (FICO) has a book value per share of $-71.07, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management expects FICO Platform to drive accelerating software subscription revenue growth as customers add capabilities and deploy additional use cases on the centralized platform, with total software ARR projected to increase in fiscal 2026 reflecting recent platform bookings going live. The company anticipates the Direct License Program for FICO Score to go live with multiple resellers in the near term, enabling performance-based pricing models alongside traditional per-score pricing, though management notes timing uncertainty and expects conservative score volume assumptions throughout fiscal 2026 with no anticipated loss of market share in auto, card, and personal loan originations. FICO Score 10T is expected to be made available for direct licensing in both conforming and non-conforming mortgage markets in the first half of calendar 2026, with the company anticipating no loss of volume to VantageScore in fiscal 2026 and expecting bookings in the second half of the year to exceed the first half. Operating expenses are expected to trend modestly upward from Q2 run rates into the back half of fiscal 2026 driven mainly by personnel and marketing expenses, while the company continues to return capital to shareholders through share repurchases.
Based on recent SEC filings and earnings calls, FAIR ISAAC CORP (FICO) has provided the following forward guidance: Revenue: $2.45 billion (FY2026); GAAP net income: $825 million (FY2026); GAAP earnings per share: $35.60 (FY2026); Non-GAAP net income: $946 million (FY2026); Non-GAAP earnings per share: $40.45 (FY2026).
No recent press releases.