Fair Isaac
FICO
681.77
-13.69
-1.97%
Fair Isaac
US · FICO
#1259 by market cap
Listed 1970
681.77
-13.69
-1.97%
Live - 5344 symbols - heartbeat 98s ago
· 2026-10-08 06:39
Pre-market
681.40
-0.05%
After-hours
680.00
-0.26%
Overnight
679.00
-0.41%
- Market cap
- 14.72B
- P/E (TTM)i
- 19.74
- P/Bi
- -3.59
- EPSi
- 26.54
- Div yieldi
- 0.00%
- 52W posi
- 8%
Reader sentiment
Are you bullish or bearish on FICO?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 8.48, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +15.91% YoY
Margins
- Gross margin
- 82.23%
- Operating margin
- 47.00%
- Net margin
- 32.75%
Key ratios & quality
- Enterprise valuei
- 17.65B
- PEG ratioi
- 0.97
- Altman Z-Scorei
- 8.48
PEG uses trailing P/E against the 3-year net income growth rate (20.40%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.00B | 1.16B | 1.29B | 1.32B | 1.38B | 1.51B | 1.72B | 1.99B |
| Gross profit | 687.25M | 823.24M | 933.42M | 984.07M | 1.08B | 1.20B | 1.37B | 1.64B |
| Selling & admin expenses | 376.91M | 414.09M | 420.93M | 396.28M | 383.86M | 400.57M | 462.83M | 513.03M |
| Research & development | 128.38M | 149.48M | 166.50M | 171.23M | 146.76M | 159.95M | 171.94M | 188.35M |
| Operating profit | 175.36M | 253.55M | 341.00M | 413.31M | 542.41M | 640.89M | 733.63M | 935.77M |
| Pretax profit | 156.93M | 216.07M | 257.00M | 473.14M | 471.31M | 553.62M | 642.03M | 802.60M |
| Tax | 30.45M | 23.95M | 20.59M | 81.06M | 97.77M | 124.25M | 129.21M | 150.65M |
| Net profit | 126.48M | 192.12M | 236.41M | 392.08M | 373.54M | 429.38M | 512.81M | 651.95M |
| Basic EPS | 4 | 7 | 8 | 14 | 14 | 17 | 21 | 27 |
| Diluted EPS | 4.06 | 6.34 | 7.90 | 13.40 | 14.18 | 16.93 | 20.45 | 26.54 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 498.74M | 536.42M | 515.75M | 511.96M | 691.68M | 674.19M |
| Gross profit | 411.11M | 448.84M | 424.58M | 424.70M | 600.48M | 587.17M |
| Selling & admin expenses | 120.42M | 139.11M | 125.54M | 140.74M | 144.10M | 170.84M |
| Research & development | 45.04M | 47.21M | 50.95M | 49.91M | 53.92M | 53.71M |
| Operating profit | 245.65M | 262.52M | 248.08M | 234.05M | 402.47M | 362.63M |
| Pretax profit | 213.02M | 236.99M | 202.46M | 191.93M | 356.03M | 314.66M |
| Tax | 50.40M | 55.20M | 47.45M | 33.56M | 91.57M | 77.49M |
| Net profit | 162.62M | 181.79M | 155.01M | 158.37M | 264.46M | 237.17M |
| Basic EPS | 7 | 7 | 6 | 7 | 11 | 10 |
| Diluted EPS | 6.59 | 7.40 | 6.42 | 6.61 | 11.14 | 10.45 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 396.39M | 455.71M | 534.08M | 550.97M | 484.72M | 556.45M | 617.41M | 705.17M |
| Cash & ST investments | 90.02M | 106.43M | 157.39M | 195.35M | 133.20M | 136.78M | 150.67M | 134.14M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 1.33B | 1.43B | 1.61B | 1.57B | 1.44B | 1.58B | 1.72B | 1.87B |
| Total current liabilities | 473.90M | 490.83M | 414.51M | 559.21M | 331.46M | 367.69M | 380.29M | 849.22M |
| Short-term debt | 235.00M | 218.00M | 95.00M | 272.07M | 49.37M | 66.34M | 15.00M | 399.54M |
| Long-term debt | 528.94M | 606.79M | 739.44M | 1.01B | 1.82B | 1.81B | 2.19B | 2.66B |
| Total liabilities | 1,043,030,000.00 | 1,143,681,000.00 | 1,275,158,000.00 | 1,678,718,000.00 | 2,243,981,000.00 | 2,263,271,000.00 | 2,680,563,000.00 | 3,613,917,000.00 |
| Total equity | 287.44M | 289.77M | 331.08M | -110.94M | -801.95M | -687.99M | -962.68M | -1.75B |
| Retained earnings | 1.76B | 1.96B | 2.19B | 2.59B | 2.96B | 3.39B | 3.90B | 4.55B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 724.91M | 709.84M | 705.17M | 698.81M | 900.77M | 881.56M |
| Cash & ST investments | 146.64M | 189.05M | 134.14M | 162.03M | 219.42M | 248.44M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 1.84B | 1.86B | 1.87B | 1.85B | 2.05B | 2.04B |
| Total current liabilities | 343.24M | 770.61M | 849.22M | 752.06M | 405.29M | 745.19M |
| Short-term debt | 15.00M | 399.35M | 399.54M | 399.74M | -- | 300.00M |
| Long-term debt | 2.51B | 2.38B | 2.66B | 2.80B | 3.64B | 5.28B |
| Total liabilities | 2,959,805,000.00 | 3,259,469,000.00 | 3,613,917,000.00 | 3,662,294,000.00 | 4,149,899,000.00 | 6,134,508,000.00 |
| Total equity | -1.12B | -1.40B | -1.75B | -1.81B | -2.10B | -4.10B |
| Retained earnings | 4.22B | 4.40B | 4.55B | 4.71B | 4.98B | 5.21B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 223.05M | 260.35M | 364.92M | 423.82M | 509.45M | 468.92M | 632.96M | 778.81M |
| Depreciation & amortization | 30.18M | 31.61M | 30.37M | 25.59M | 20.47M | 14.64M | 13.83M | 14.95M |
| Free cash flow | 191.75M | 236.37M | 342.93M | 416.25M | 503.42M | 464.68M | 607.41M | 739.40M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -342.60M | -228.89M | -235.22M | -874.18M | -1.10B | -405.53M | -821.70M | -1.41B |
| Ending cash balance | 90.02M | 106.43M | 157.39M | 195.35M | 133.20M | 136.78M | 150.67M | 134.14M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 74.92M | 286.22M | 223.67M | 174.08M | 223.36M | 380.44M |
| Depreciation & amortization | 3.42M | 3.98M | 4.02M | 4.02M | 3.89M | 4.22M |
| Free cash flow | 65.49M | 276.24M | 210.84M | 165.38M | 214.32M | 370.34M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -217.16M | -486.78M | -547.98M | -171.17M | -605.40M | -2.27B |
| Ending cash balance | 146.64M | 189.05M | 134.14M | 162.03M | 219.42M | 248.44M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 41.26 | 69.42 | 76.16 | 356.21 | -- | -- | -- | -- |
| ROA %i | 11.34 | 14.29 | 15.56 | 24.71 | 24.82 | 28.46 | 31.14 | 36.36 |
| ROIC %i | 16.14 | 21.24 | 23.39 | 34.86 | -- | -- | -- | -- |
| 5-year avg ROE %i | 25.88 | 35.34 | 46.70 | 112.98 | -- | -- | -- | -- |
| EBIT margin %i | 21.24 | 22.05 | 23.11 | 38.98 | 39.23 | 42.89 | 43.53 | 47.03 |
| FCF / sales %i | 18.57 | 20.38 | 26.49 | 31.62 | 36.55 | 30.70 | 35.37 | 37.14 |
| Current ratioi | 0.84 | 0.93 | 1.29 | 0.99 | 1.46 | 1.51 | 1.62 | 0.83 |
| Quick ratioi | 0.75 | 0.82 | 1.19 | 0.91 | 1.37 | 1.43 | 1.52 | 0.78 |
| Debt / assetsi | 57.42 | 57.54 | 56.51 | 85.14 | 132.61 | 120.73 | 129.87 | 164.60 |
| LT debt / equityi | 184.02 | 209.41 | 245.45 | -- | -- | -- | -- | -- |
| Interest coveragei | 7.00 | 6.44 | 7.09 | 12.80 | 7.83 | 6.79 | 7.08 | 7.01 |
| Revenue CAGR (3Y) %i | 6.04 | 9.59 | 11.46 | 9.59 | 5.89 | 5.35 | 9.27 | 13.07 |
| Net income CAGR (3Y) %i | 13.50 | 20.63 | 21.01 | 45.81 | 24.81 | 22.01 | 9.36 | 20.40 |
| FCF CAGR (3Y) %i | 16.34 | 7.87 | 18.55 | 29.48 | 28.66 | 10.66 | 13.43 | 13.67 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -- | -- | -- | -- | -- | -- |
| ROA %i | 32.61 | 35.43 | 36.36 | 36.95 | 39.12 | 41.80 |
| ROIC %i | -- | -- | -- | -- | -- | -- |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 44.45 | 46.34 | 47.03 | 48.02 | 50.84 | 52.28 |
| FCF / sales %i | 36.81 | 38.77 | 37.14 | 34.80 | 38.42 | 40.14 |
| Current ratioi | 2.11 | 0.92 | 0.83 | 0.93 | 2.22 | 1.18 |
| Quick ratioi | 1.86 | 0.83 | 0.78 | 0.87 | 2.07 | 1.13 |
| Debt / assetsi | 138.85 | 150.41 | 164.60 | 173.38 | 178.52 | 274.77 |
| LT debt / equityi | -- | -- | -- | -- | -- | -- |
| Interest coveragei | 7.04 | 7.31 | 7.01 | 6.78 | 7.20 | 6.72 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- Scores is the largest reported line at 68.07% of revenue, across 2 reported segments.
- software follows at 31.93%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
Scores68.07%
software31.93%
Quote time 2026-10-08 06:39:23 · For reference only, not investment advice and not tailored to your situation.