Fair Isaac Corp (FICO)

Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers 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. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It 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.

Symbol
FICO
Exchange
NYSE
Sector
Technology
Industry
Software - Application
Market cap
$14.28B
52 week range
586.05 - 1998.01

Valuation

Share price
$661.25 (close of 2026-10-02)
P/E (TTM)
19.00x
Price to book
-3.49x
Price to free cash flow
14.34x
Enterprise value
$19.63B
Book value per share
$-189.71

Price performance

PeriodChange
1 day-0.08%
5 days-23.39%
1 month-39.86%
3 months-47.97%
6 months-39.32%
Year to date-60.89%
1 year-62.95%
3 years-23.43%
5 years+62.84%
10 years+430.74%
All time+48166.42%

Members of Congress who disclosed FICO trades

Gilbert Ray Cisneros · Josh Gottheimer · Alan Armstrong

Super investors holding FICO

Valley Forge Capital (Valley Forge Capital Management) · Chuck Akre (Akre Capital Management) · AKO Capital (AKO Capital LLP) · Ken Griffin (Citadel) · Terry Smith (Fundsmith LLP) · Yacktman Asset Mgmt (Yacktman Asset Management LP) · John Rogers (Ariel Investments LLC)

Profitability and growth

Return on equity
-37.34%
Return on invested capital
64.79%
Return on assets
34.90%
Return on capital employed
90.77%
Gross margin
82.23%
Net margin
32.75%
EBITDA margin
47.21%
Revenue growth
15.91%
Net income growth
27.13%
Free cash flow growth
23.36%

Cash flow and balance sheet

Free cash flow yield (TTM)
6.97%
Current ratio
1.18x
Net debt to EBITDA
4.22x

Latest reported year

Period end
2025-09-30
Fiscal year
2025
Revenue
$1.99B
Cost of revenue
$353.72M
Gross profit
$1.64B
EBITDA
$939.80M
Net income
$651.95M
Earnings per share
$26.90
Research and development
$188.35M
Shares outstanding
24.24M

Income statement by year

Period endRevenueGross profitNet incomeEPS
2025-09-30$1.99B$1.64B$651.95M$26.90
2024-09-30$1.72B$1.37B$512.81M$20.78
2023-09-30$1.51B$1.20B$429.38M$17.18
2022-09-30$1.38B$1.08B$373.54M$14.34
2021-09-30$1.32B$984.07M$392.08M$13.65
2020-09-30$1.29B$933.42M$236.41M$8.13
2019-09-30$1.16B$823.24M$192.12M$6.63
2018-09-30$1.00B$687.25M$126.48M$4.26
2017-09-30$934.98M$647.38M$133.41M$4.32
2016-09-30$881.36M$616.18M$109.45M$3.52

Margins and returns by year

Period endGross marginNet marginReturn on equityReturn on capital
2025-09-3082.23%32.75%-37.34%64.79%
2024-09-3079.73%29.86%-53.27%54.08%
2023-09-3079.45%28.37%-62.41%48.14%
2022-09-3078.06%27.12%-46.58%45.51%
2021-09-3074.75%29.78%-353.41%41.27%
2020-09-3072.10%18.26%71.41%24.82%
2019-09-3070.96%16.56%66.30%22.77%
2018-09-3068.71%12.65%44.00%15.07%
2017-09-3069.24%14.27%28.62%16.50%
2016-09-3069.91%12.42%22.74%13.78%

Cash and debt by year

Period endCashDebt
2025-09-30$134.14M$2.66B
2024-09-30$150.67M$2.19B
2023-09-30$136.78M$1.81B
2022-09-30$133.20M$1.82B
2021-09-30$195.35M$1.01B
2020-09-30$157.39M$739.43M
2019-09-30$106.43M$606.79M
2018-09-30$90.02M$528.94M
2017-09-30$105.62M$462.80M
2016-09-30$75.93M$493.62M

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-09-30$769.88M$156.67M
2024-09-30$624.08M$149.44M
2023-09-30$464.68M$123.85M
2022-09-30$503.42M$115.36M
2021-09-30$416.25M$112.46M
2020-09-30$342.93M$93.68M
2019-09-30$236.37M$82.97M
2018-09-30$191.75M$74.81M
2017-09-30$205.82M$61.22M
2016-09-30$188.30M$55.51M

Dividend history

Most recent payment
2017-03-01
Payment dateDividend per share
2017-03-01$0.02
2016-11-30$0.02
2016-09-12$0.02
2016-05-23$0.02
2016-03-07$0.02
2015-11-30$0.02
2015-09-14$0.02
2015-05-22$0.02

Investor relations

Next earnings report

Next confirmed report
2026-11-04
Consensus EPS estimate
$9.44

Past earnings dates

ReportedFiscal periodEPS estimate
2026-07-29Jun/2026$10.37
2026-04-28Mar/2026$9.60
2026-01-28Dec/2025$5.85
2025-11-05Sep/2025$6.06
2025-07-30Jun/2025$6.43
2025-07-29--
2025-04-29Mar/2025$6.11
2025-04-23--

Filings and sources

Company website
fico.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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