Fair Isaac (FICO) Financials

$1,383.47 -53.25 (-3.71%)

Closing price 08/1/2025 03:59 PM Eastern

Extended Trading

$1,383.00 -0.47 (-0.03%)

As of 08/1/2025 07:58 PM Eastern

Annual Income Statements for Fair Isaac

This table shows Fair Isaac's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Net Income / (Loss) Attributable to Common Shareholders	87	109	133	126	192	236	392	374	429	513
Consolidated Net Income / (Loss)	87	109	133	126	192	236	392	374	429	513
Net Income / (Loss) Continuing Operations	87	109	133	126	192	236	392	374	429	513
Total Pre-Tax Income	109	145	156	157	216	257	473	471	554	642
Total Operating Income	138	170	182	175	254	296	505	542	643	734
Total Gross Profit	839	881	647	687	823	933	984	1,075	1,203	1,369
Total Revenue	839	881	935	1,000	1,160	1,295	1,317	1,377	1,514	1,718
Operating Revenue	839	881	935	1,000	1,160	1,295	1,317	1,377	1,514	1,718
Total Cost of Revenue	0.00	0.00	288	313	337	361	332	302	311	348
Operating Cost of Revenue	-	-	288	313	337	361	332	302	311	348
Total Operating Expenses	701	712	465	512	570	637	479	533	560	636
Selling, General & Admin Expense	300	329	337	377	414	421	396	384	401	463
Research & Development Expense	99	104	111	128	149	166	171	147	160	172
Amortization Expense	14	14	13	6.59	6.13	4.99	3.26	2.06	1.10	0.92
Other Operating Expenses / (Income)	271	265	-	-	-	-	-100	0.00	-1.94	0.00
Total Other Income / (Expense), net	-28	-25	-26	-18	-37	-39	-32	-71	-89	-92
Interest Expense	29	27	26	31	40	42	40	69	96	106
Other Income / (Expense), net	0.88	1.61	-0.09	13	2.28	3.21	7.75	-2.14	6.34	14
Income Tax Expense	23	35	23	30	24	21	81	98	124	129
Basic Earnings per Share	$2.75	$3.52	$4.32	$4.26	$6.63	$8.13	$13.65	$14.34	$17.18	$20.78
Weighted Average Basic Shares Outstanding	31.40M	31.13M	30.86M	29.71M	28.98M	29.07M	28.73M	26.04M	24.99M	24.68M
Diluted Earnings per Share	$2.65	$3.39	$4.14	$4.06	$6.34	$7.90	$13.40	$14.18	$16.93	$20.45
Weighted Average Diluted Shares Outstanding	32.61M	32.31M	32.25M	31.18M	30.29M	29.93M	29.26M	26.35M	25.37M	25.08M
Weighted Average Basic & Diluted Shares Outstanding	31.50M	31.10M	30.80M	29.70M	29.10M	-	27.36M	24.98M	24.71M	24.35M

This table shows Fair Isaac's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	91	98	102	129	101	121	130	126	136	153	163
Consolidated Net Income / (Loss)	91	98	102	129	101	121	130	126	136	153	163
Net Income / (Loss) Continuing Operations	91	98	102	129	101	121	130	126	136	153	163
Total Pre-Tax Income	113	118	137	158	140	131	173	167	171	150	213
Total Operating Income	134	140	160	177	166	151	195	190	197	180	246
Total Gross Profit	266	268	300	327	307	299	347	360	364	353	411
Total Revenue	349	345	380	399	390	382	434	448	454	440	499
Operating Revenue	349	345	380	399	390	382	434	448	454	440	499
Total Cost of Revenue	82	77	80	72	83	83	87	88	90	87	88
Operating Cost of Revenue	82	77	80	72	83	83	87	88	90	87	88
Total Operating Expenses	132	128	141	150	141	147	152	169	167	173	165
Selling, General & Admin Expense	96	93	100	108	99	104	111	125	123	128	120
Research & Development Expense	36	37	40	41	42	43	41	44	44	45	45
Amortization Expense	0.44	0.28	0.28	0.28	0.28	0.28	0.28	0.28	0.09	0.00	0.00
Total Other Income / (Expense), net	-21	-22	-22	-19	-25	-21	-22	-23	-26	-29	-33
Interest Expense	21	23	24	25	24	24	26	27	29	29	31
Other Income / (Expense), net	-0.21	0.36	1.61	5.30	-0.93	3.39	3.99	3.94	2.72	0.09	-1.25
Income Tax Expense	22	20	36	29	39	9.53	43	41	36	-2.40	50
Basic Earnings per Share	$3.57	$3.90	$4.04	$5.16	$4.08	$4.89	$5.23	$5.12	$5.54	$6.26	$6.67
Weighted Average Basic Shares Outstanding	26.04M	25.05M	25.12M	24.96M	24.99M	24.76M	24.82M	24.65M	24.68M	24.38M	24.39M
Diluted Earnings per Share	$3.53	$3.84	$4.00	$5.08	$4.01	$4.80	$5.16	$5.05	$5.44	$6.14	$6.59
Weighted Average Diluted Shares Outstanding	26.35M	25.44M	25.42M	25.34M	25.37M	25.22M	25.15M	25.02M	25.08M	24.83M	24.69M
Weighted Average Basic & Diluted Shares Outstanding	24.98M	25.15M	24.99M	24.86M	24.71M	24.85M	24.71M	24.52M	24.35M	24.42M	24.34M

This table details how cash moves in and out of Fair Isaac's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Net Change in Cash & Equivalents	-19	-10	30	-16	16	51	38	-62	3.58	14
Net Cash From Operating Activities	147	210	226	223	260	365	424	509	469	633
Net Cash From Continuing Operating Activities	147	210	226	223	260	365	424	509	469	633
Net Income / (Loss) Continuing Operations	87	109	133	126	192	236	392	374	429	513
Consolidated Net Income / (Loss)	87	109	133	126	192	236	392	374	429	513
Depreciation Expense	34	32	36	30	32	30	26	20	15	14
Non-Cash Adjustments To Reconcile Net Income	60	82	63	64	84	148	25	144	136	154
Changes in Operating Assets and Liabilities, net	-34	-13	-6.86	2.17	-48	-50	-19	-28	-111	-48
Net Cash From Investing Activities	-82	-28	-21	-14	-43	-25	138	-5.67	-16	-28
Net Cash From Continuing Investing Activities	-82	-28	-21	-14	-43	-25	138	-5.67	-16	-28
Purchase of Property, Plant & Equipment	-25	-22	-20	-31	-24	-22	-7.57	-6.03	-4.24	-26
Purchase of Investments	-	0.00	-0.78	-6.05	-6.40	-6.12	-9.04	-9.96	-11	-18
Sale and/or Maturity of Investments	-	0.00	0.00	23	3.48	3.47	7.24	8.06	5.03	16
Other Investing Activities, net	0.08	0.04	-	0.00	0.00	0.06	-0.21	2.26	-6.13	0.00
Net Cash From Financing Activities	-72	-190	-181	-219	-200	-289	-524	-547	-455	-593
Net Cash From Continuing Financing Activities	-72	-190	-181	-219	-200	-289	-524	-547	-455	-593
Repayment of Debt	-187	-159	-156	-670	-169	-605	-260	-997	-402	-603
Repurchase of Common Equity	-131	-138	-188	-343	-229	-235	-874	-1,104	-406	-822
Issuance of Debt	249	122	190	827	229	613	682	1,589	407	947
Issuance of Common Equity	18	18	14	11	23	42	21	16	22	25
Other Financing Activities, net	-19	-30	-40	-44	-54	-105	-92	-51	-77	-141
Effect of Exchange Rate Changes	-11	-2.83	5.28	-5.90	-1.14	-	-0.14	-19	5.62	1.84
Cash Interest Paid	30	27	26	26	40	38	38	57	97	106
Cash Income Taxes Paid	34	11	31	13	19	10	71	65	153	134

This table details how cash moves in and out of Fair Isaac's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-22	6.65	-2.09	25	-26	24	-25	20	-5.38	34	-38
Net Cash From Operating Activities	145	92	90	123	164	122	71	213	226	194	75
Net Cash From Continuing Operating Activities	145	92	90	123	164	122	71	213	226	193	76
Net Income / (Loss) Continuing Operations	91	98	102	129	101	121	130	126	136	153	163
Consolidated Net Income / (Loss)	91	98	102	129	101	121	130	126	136	153	163
Depreciation Expense	4.65	4.28	4.01	3.35	3.00	2.82	3.35	3.83	3.82	3.54	3.42
Non-Cash Adjustments To Reconcile Net Income	36	32	29	35	39	33	35	45	41	41	51
Changes in Operating Assets and Liabilities, net	14	-42	-45	-45	21	-35	-97	38	46	-7.18	-138
Net Cash From Investing Activities	-1.25	-11	-1.30	-1.09	-2.98	-2.42	-9.62	-8.39	-7.56	-8.94	-11
Net Cash From Continuing Investing Activities	-1.25	-11	-1.30	-1.09	-2.98	-2.42	-9.62	-8.39	-7.56	-8.94	-11
Purchase of Property, Plant & Equipment	-0.80	-0.85	-1.53	-0.79	-1.07	-1.36	-9.42	-7.65	-7.12	-7.17	-9.43
Purchase of Investments	-1.94	-4.56	-3.46	-0.63	-1.98	-14	-2.60	-1.03	-0.51	-2.15	-2.63
Sale and/or Maturity of Investments	1.49	2.39	2.24	0.34	0.06	13	2.40	0.28	0.08	0.38	1.12
Net Cash From Financing Activities	-157	-80	-94	-98	-184	-100	-83	-182	-228	-144	-104
Net Cash From Continuing Financing Activities	-157	-80	-94	-98	-184	-100	-83	-182	-228	-144	-104
Repayment of Debt	-133	-103	-56	-107	-137	-71	-5.15	-464	-62	-64	-72
Repurchase of Common Equity	-56	-75	-109	-101	-120	-72	-172	-255	-324	-163	-217
Issuance of Debt	29	169	59	111	68	170	85	540	152	275	175
Issuance of Common Equity	4.91	2.00	13	0.40	6.58	4.50	10	0.74	9.33	3.26	13
Other Financing Activities, net	-1.92	-73	-0.81	-1.77	-1.23	-132	-1.88	-3.44	-3.30	-196	-2.41
Cash Interest Paid	5.15	38	9.07	39	11	38	12	41	15	44	17
Cash Income Taxes Paid	19	13	59	34	46	4.93	49	44	36	22	70

This table presents Fair Isaac's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2020	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Total Assets	1,230	1,221	1,256	1,330	1,606	1,606	1,568	1,442	1,575	1,718
Total Current Assets	287	268	311	396	534	534	551	485	556	617
Cash & Equivalents	86	76	106	90	157	157	195	133	137	151
Accounts Receivable	159	168	169	267	334	334	312	322	388	427
Prepaid Expenses	42	24	37	40	43	43	44	29	32	40
Plant, Property, & Equipment, net	38	45	41	49	46	46	28	18	11	0.00
Total Noncurrent Assets	905	908	904	885	1,026	1,025	989	940	1,008	1,100
Long-Term Investments	21	22	26	20	27	26	33	26	33	45
Goodwill	815	798	804	801	812	812	788	761	773	783
Noncurrent Deferred & Refundable Income Taxes	15	48	47	14	15	15	21	12	59	87
Other Noncurrent Operating Assets	7.56	6.35	5.67	36	163	163	143	139	141	186
Total Liabilities & Shareholders' Equity	1,230	1,221	1,256	1,330	1,606	1,606	1,568	1,442	1,575	1,718
Total Liabilities	793	774	829	1,043	1,275	1,275	1,679	2,244	2,263	2,681
Total Current Liabilities	244	246	327	474	415	415	559	331	368	380
Short-Term Debt	92	77	142	235	95	95	250	30	50	15
Accounts Payable	20	23	20	20	23	23	21	17	19	22
Accrued Expenses	31	28	32	31	63	63	80	66	59	80
Current Deferred Revenue	47	47	55	103	115	115	105	120	137	157
Current Employee Benefit Liabilities	54	71	78	84	118	118	104	98	102	106
Total Noncurrent Liabilities	549	528	502	569	861	861	1,120	1,913	1,896	2,300
Long-Term Debt	549	528	502	569	739	739	1,009	1,824	1,812	2,194
Other Noncurrent Operating Liabilities	-	-	-	-	121	121	110	89	84	106
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	437	447	427	287	331	331	-111	-802	-688	-963
Total Preferred & Common Equity	437	447	427	287	331	331	-111	-802	-688	-963
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	437	447	427	287	331	331	-111	-802	-688	-963
Common Stock	1,153	1,189	1,196	1,211	1,219	1,219	1,238	1,300	1,351	1,367
Retained Earnings	1,368	1,471	1,598	1,765	2,193	2,193	2,585	2,959	3,388	3,901
Treasury Stock	-2,034	-2,137	-2,301	-2,612	-2,998	-2,998	-3,858	-4,936	-5,325	-6,139
Accumulated Other Comprehensive Income / (Loss)	-51	-77	-66	-76	-83	-83	-76	-125	-102	-92

This table presents Fair Isaac's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Total Assets	1,442	1,459	1,502	1,585	1,575	1,594	1,703	1,709	1,718	1,707	1,836
Total Current Assets	485	484	521	575	556	565	641	631	617	596	725
Cash & Equivalents	133	140	138	163	137	160	136	156	151	184	147
Accounts Receivable	322	308	338	384	388	367	469	438	427	351	493
Prepaid Expenses	29	36	45	28	32	37	37	37	40	61	86
Plant, Property, & Equipment, net	18	15	0.00	0.00	11	0.00	0.00	0.00	0.00	0.00	0.00
Total Noncurrent Assets	940	960	980	1,010	1,008	1,028	1,062	1,078	1,100	1,111	1,111
Long-Term Investments	26	28	30	33	33	38	43	44	45	46	45
Goodwill	761	771	774	777	773	777	776	777	783	776	779
Noncurrent Deferred & Refundable Income Taxes	12	21	31	50	59	64	72	78	87	93	100
Other Noncurrent Operating Assets	139	139	144	148	141	148	170	179	186	196	186
Total Liabilities & Shareholders' Equity	1,442	1,459	1,502	1,585	1,575	1,594	1,703	1,709	1,718	1,707	1,836
Total Liabilities	2,244	2,261	2,273	2,289	2,263	2,319	2,439	2,538	2,681	2,845	2,960
Total Current Liabilities	331	355	373	393	368	433	315	337	380	331	343
Short-Term Debt	30	100	107	115	50	153	15	15	15	15	15
Accounts Payable	17	17	14	17	19	19	19	22	22	23	24
Accrued Expenses	66	51	68	50	59	46	69	58	80	51	56
Current Deferred Revenue	120	127	118	127	137	147	144	149	157	165	172
Current Employee Benefit Liabilities	98	60	66	84	102	68	69	93	106	77	77
Total Noncurrent Liabilities	1,913	1,906	1,900	1,896	1,896	1,886	2,124	2,201	2,300	2,513	2,617
Long-Term Debt	1,824	1,821	1,818	1,815	1,812	1,809	2,029	2,105	2,194	2,406	2,513
Other Noncurrent Operating Liabilities	89	85	82	81	84	78	95	96	106	107	103
Commitments & Contingencies	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	-802	-802	-771	-704	-688	-726	-736	-829	-963	-1,138	-1,124
Total Preferred & Common Equity	-802	-802	-771	-704	-688	-726	-736	-829	-963	-1,138	-1,124
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	-802	-802	-771	-704	-688	-726	-736	-829	-963	-1,138	-1,124
Common Stock	1,300	1,245	1,282	1,313	1,351	1,239	1,282	1,321	1,367	1,202	1,252
Retained Earnings	2,959	3,056	3,158	3,287	3,388	3,509	3,639	3,765	3,901	4,053	4,216
Treasury Stock	-4,936	-4,997	-5,110	-5,209	-5,325	-5,381	-5,559	-5,814	-6,139	-6,286	-6,491
Accumulated Other Comprehensive Income / (Loss)	-125	-106	-100	-95	-102	-93	-98	-102	-92	-108	-101

This table displays calculated financial ratios and metrics derived from Fair Isaac's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.31%	5.08%	6.08%	6.97%	15.99%	11.59%	1.70%	4.61%	9.90%	13.48%
EBITDA Growth	-11.34%	17.74%	7.62%	0.06%	31.59%	14.65%	63.51%	4.07%	18.38%	14.72%
EBIT Growth	-14.41%	23.71%	6.35%	3.39%	35.90%	16.95%	71.55%	5.27%	20.16%	15.17%
NOPAT Growth	-5.61%	17.91%	21.12%	-9.11%	59.51%	20.76%	53.86%	2.63%	15.97%	17.53%
Net Income Growth	-8.83%	26.53%	21.90%	-5.20%	51.90%	23.05%	65.85%	-4.73%	14.95%	19.43%
EPS Growth	-2.57%	27.92%	22.12%	-1.93%	56.16%	24.61%	69.62%	5.82%	19.39%	20.79%
Operating Cash Flow Growth	-16.15%	43.26%	7.31%	-1.15%	16.72%	40.16%	16.14%	20.21%	-7.96%	34.98%
Free Cash Flow Firm Growth	-75.65%	339.63%	15.80%	-41.34%	122.34%	25.35%	73.63%	-5.07%	-15.11%	39.20%
Invested Capital Growth	8.44%	-1.84%	-1.46%	4.46%	0.46%	-0.48%	-6.32%	-2.90%	12.43%	4.63%
Revenue Q/Q Growth	1.35%	0.35%	2.21%	30.35%	-38.43%	88.97%	-2.93%	1.04%	2.78%	3.88%
EBITDA Q/Q Growth	-6.00%	2.06%	10.73%	-3.52%	4.50%	4.59%	5.54%	3.15%	4.60%	4.95%
EBIT Q/Q Growth	-6.96%	2.02%	12.95%	-3.61%	5.07%	5.47%	6.12%	3.45%	4.98%	4.93%
NOPAT Q/Q Growth	-2.19%	-1.62%	8.55%	-12.20%	17.13%	0.98%	6.98%	3.32%	2.52%	6.57%
Net Income Q/Q Growth	-3.66%	-1.10%	10.89%	-8.99%	12.85%	1.96%	7.28%	1.35%	2.56%	7.16%
EPS Q/Q Growth	-2.21%	-0.59%	11.29%	-7.94%	13.01%	2.46%	8.06%	3.96%	2.92%	7.52%
Operating Cash Flow Q/Q Growth	-6.88%	-11.69%	10.63%	2.64%	15.76%	12.58%	-9.49%	11.63%	4.27%	10.94%
Free Cash Flow Firm Q/Q Growth	-45.67%	-15.31%	23.58%	-22.77%	123.01%	-7.59%	-4.89%	14.72%	0.80%	10.40%
Invested Capital Q/Q Growth	0.79%	3.47%	1.28%	2.25%	-6.39%	-4.10%	1.11%	-3.74%	-2.48%	-3.68%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	69.24%	68.71%	70.96%	72.10%	74.75%	78.06%	79.45%	79.73%
EBITDA Margin	20.54%	23.01%	23.35%	21.84%	24.78%	25.46%	40.93%	40.71%	43.86%	44.34%
Operating Margin	16.39%	19.24%	19.48%	17.53%	21.86%	22.86%	38.40%	39.38%	42.47%	42.71%
EBIT Margin	16.50%	19.42%	19.47%	18.82%	22.05%	23.11%	38.98%	39.23%	42.89%	43.53%
Profit (Net Income) Margin	10.31%	12.42%	14.27%	12.65%	16.56%	18.26%	29.78%	27.12%	28.37%	29.86%
Tax Burden Percent	79.19%	75.71%	85.37%	80.60%	88.92%	91.99%	82.87%	79.26%	77.56%	79.87%
Interest Burden Percent	78.94%	84.44%	85.84%	83.37%	84.46%	85.90%	92.19%	87.23%	85.28%	85.87%
Effective Tax Rate	20.81%	24.29%	14.63%	19.40%	11.08%	8.01%	17.13%	20.74%	22.44%	20.13%
Return on Invested Capital (ROIC)	11.66%	13.34%	16.42%	14.71%	22.91%	27.67%	44.07%	47.44%	52.57%	57.05%
ROIC Less NNEP Spread (ROIC-NNEP)	7.07%	9.70%	12.09%	12.25%	18.12%	22.35%	40.88%	43.30%	48.48%	53.10%
Return on Net Nonoperating Assets (RNNOA)	7.74%	11.43%	14.13%	20.72%	43.66%	48.49%	312.14%	-129.28%	-110.21%	-119.18%
Return on Equity (ROE)	19.40%	24.77%	30.55%	35.43%	66.57%	76.16%	356.21%	-81.84%	-57.64%	-62.13%
Cash Return on Invested Capital (CROIC)	3.56%	15.20%	17.89%	10.34%	22.46%	28.15%	50.59%	50.38%	40.87%	52.52%
Operating Return on Assets (OROA)	11.43%	13.97%	14.71%	14.56%	18.51%	19.68%	32.34%	35.90%	43.03%	45.41%
Return on Assets (ROA)	7.14%	8.93%	10.78%	9.78%	13.90%	15.56%	24.71%	24.82%	28.46%	31.14%
Return on Common Equity (ROCE)	19.40%	24.77%	30.55%	35.43%	66.57%	76.16%	356.21%	-81.84%	-57.64%	-62.13%
Return on Equity Simple (ROE_SIMPLE)	19.79%	24.49%	31.28%	44.00%	66.30%	71.41%	-353.41%	-46.58%	-62.41%	-53.27%
Net Operating Profit after Tax (NOPAT)	109	128	156	141	225	272	419	430	499	586
NOPAT Margin	12.98%	14.57%	16.63%	14.13%	19.43%	21.03%	31.82%	31.21%	32.94%	34.12%
Net Nonoperating Expense Percent (NNEP)	4.59%	3.64%	4.33%	2.46%	4.79%	5.32%	3.19%	4.14%	4.09%	3.95%
Cost of Revenue to Revenue	0.00%	0.00%	30.76%	31.29%	29.04%	27.90%	25.25%	21.94%	20.55%	20.27%
SG&A Expenses to Revenue	35.77%	37.32%	36.06%	37.69%	35.69%	32.52%	30.10%	27.87%	26.47%	26.95%
R&D to Revenue	11.78%	11.76%	11.86%	12.84%	12.89%	12.86%	13.01%	10.66%	10.57%	10.01%
Operating Expenses to Revenue	83.61%	80.76%	49.76%	51.18%	49.11%	49.24%	36.35%	38.68%	36.98%	37.01%
Earnings before Interest and Taxes (EBIT)	138	171	182	188	256	299	513	540	649	748
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	172	203	218	218	287	330	539	561	664	761
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	6.01	8.60	10.09	23.17	30.27	37.26	0.00	0.00	0.00	0.00
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Revenue (P/Rev)	3.13	4.36	4.60	6.66	7.56	9.53	8.58	7.55	14.26	27.74
Price to Earnings (P/E)	30.38	35.11	32.26	52.66	45.65	52.18	28.81	27.85	50.28	92.92
Dividend Yield	0.09%	0.06%	0.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	3.29%	2.85%	3.10%	1.90%	2.19%	1.92%	3.47%	3.59%	1.99%	1.08%
Enterprise Value to Invested Capital (EV/IC)	3.26	4.56	5.13	7.49	9.60	13.23	13.41	13.55	23.19	47.28
Enterprise Value to Revenue (EV/Rev)	3.77	4.94	5.15	7.35	8.16	10.03	9.36	8.78	15.38	28.92
Enterprise Value to EBITDA (EV/EBITDA)	18.36	21.45	22.07	33.67	32.94	39.41	22.88	21.58	35.07	65.22
Enterprise Value to EBIT (EV/EBIT)	22.86	25.41	26.46	39.07	37.01	43.41	24.02	22.39	35.86	66.43
Enterprise Value to NOPAT (EV/NOPAT)	29.05	33.88	30.98	52.04	41.99	47.70	29.43	28.14	46.70	84.76
Enterprise Value to Operating Cash Flow (EV/OCF)	21.55	20.69	21.35	32.98	36.36	35.59	29.08	23.75	49.65	78.46
Enterprise Value to Free Cash Flow (EV/FCFF)	95.05	29.73	28.43	74.01	42.84	46.89	25.63	26.50	60.07	92.06
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.47	1.35	1.51	2.80	2.85	2.52	-11.35	-2.31	-2.71	-2.29
Long-Term Debt to Equity	1.26	1.18	1.18	1.98	2.09	2.23	-9.10	-2.27	-2.63	-2.28
Financial Leverage	1.09	1.18	1.17	1.69	2.41	2.17	7.64	-2.99	-2.27	-2.24
Leverage Ratio	2.72	2.77	2.84	3.62	4.79	4.90	14.42	-3.30	-2.03	-2.00
Compound Leverage Factor	2.14	2.34	2.43	3.02	4.04	4.21	13.29	-2.88	-1.73	-1.71
Debt to Total Capital	59.47%	57.51%	60.17%	73.67%	74.00%	71.59%	109.66%	176.25%	158.62%	177.24%
Short-Term Debt to Total Capital	8.53%	7.32%	13.26%	21.53%	19.56%	8.15%	21.78%	2.85%	4.26%	1.20%
Long-Term Debt to Total Capital	50.94%	50.19%	46.91%	52.14%	54.44%	63.44%	87.89%	173.40%	154.36%	176.04%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	40.53%	42.49%	39.83%	26.33%	26.00%	28.41%	-9.66%	-76.25%	-58.62%	-77.24%
Debt to EBITDA	3.72	2.98	2.95	3.68	2.87	2.53	2.34	3.31	2.80	2.90
Net Debt to EBITDA	3.10	2.50	2.35	3.18	2.42	1.98	1.91	3.02	2.55	2.64
Long-Term Debt to EBITDA	3.19	2.60	2.30	2.61	2.11	2.24	1.87	3.25	2.73	2.88
Debt to NOPAT	5.89	4.71	4.14	5.69	3.66	3.06	3.01	4.31	3.73	3.77
Net Debt to NOPAT	4.91	3.95	3.30	4.91	3.09	2.39	2.46	3.94	3.39	3.44
Long-Term Debt to NOPAT	5.04	4.11	3.23	4.03	2.69	2.72	2.41	4.24	3.63	3.74
Altman Z-Score	4.64	5.87	6.10	6.84	7.88	9.23	8.26	7.97	11.20	16.45
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.18	1.09	0.95	0.84	0.93	1.29	0.99	1.46	1.51	1.62
Quick Ratio	1.00	0.99	0.84	0.75	0.82	1.19	0.91	1.37	1.43	1.52
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	33	146	169	99	221	277	481	457	388	539
Operating Cash Flow to CapEx	587.11%	957.11%	1,138.01%	712.65%	1,085.65%	1,659.54%	0.00%	8,449.99%	11,067.15%	2,477.26%
Free Cash Flow to Firm to Interest Expense	1.14	5.49	6.57	3.17	5.56	6.57	12.00	6.62	4.06	5.11
Operating Cash Flow to Interest Expense	5.04	7.90	8.75	7.12	6.55	8.65	10.57	7.39	4.91	5.99
Operating Cash Flow Less CapEx to Interest Expense	4.18	7.07	7.98	6.12	5.95	8.13	14.06	7.30	4.86	5.75
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.69	0.72	0.76	0.77	0.84	0.85	0.83	0.92	1.00	1.04
Accounts Receivable Turnover	5.34	5.40	5.56	4.59	4.11	4.10	4.07	4.34	4.26	4.22
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	22.40	21.15	21.79	22.34	22.78	26.04	35.42	60.55	106.04	69.49
Accounts Payable Turnover	0.00	0.00	13.55	15.74	15.53	15.65	15.19	15.89	17.15	16.79
Days Sales Outstanding (DSO)	68.33	67.62	65.66	79.44	88.75	89.04	89.59	84.08	85.65	86.56
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	26.94	23.19	23.50	23.32	24.03	22.96	21.29	21.74
Cash Conversion Cycle (CCC)	68.33	67.62	38.71	56.24	65.26	65.72	65.56	61.12	64.37	64.81
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	972	954	940	982	986	982	920	893	1,004	1,050
Invested Capital Turnover	0.90	0.92	0.99	1.04	1.18	1.32	1.39	1.52	1.60	1.67
Increase / (Decrease) in Invested Capital	76	-18	-14	42	4.48	-4.72	-62	-27	111	47
Enterprise Value (EV)	3,163	4,350	4,817	7,355	9,467	12,987	12,327	12,099	23,281	49,665
Market Capitalization	2,628	3,843	4,304	6,661	8,771	12,336	11,296	10,404	21,589	47,652
Book Value per Share	$14.03	$14.48	$13.93	$9.86	$10.03	$11.42	($3.91)	($31.76)	($27.54)	($39.26)
Tangible Book Value per Share	($13.65)	($12.48)	($13.03)	($18.12)	($18.27)	($16.91)	($31.82)	($61.98)	($58.52)	($71.19)
Total Capital	1,078	1,052	1,071	1,092	1,115	1,166	1,148	1,052	1,174	1,246
Total Debt	641	605	644	804	825	834	1,259	1,854	1,862	2,209
Total Long-Term Debt	549	528	502	569	607	739	1,009	1,824	1,812	2,194
Net Debt	535	507	513	694	696	652	1,030	1,695	1,692	2,013
Capital Expenditures (CapEx)	25	22	20	31	24	22	-140	6.03	4.24	26
Debt-free, Cash-free Net Working Capital (DFCFNWC)	49	23	21	67	76	57	46	50	102	101
Debt-free Net Working Capital (DFNWC)	135	99	126	157	183	215	242	183	239	252
Net Working Capital (NWC)	43	22	-16	-78	-35	120	-8.23	153	189	237
Net Nonoperating Expense (NNE)	22	19	22	15	33	36	27	56	69	73
Net Nonoperating Obligations (NNO)	535	507	513	694	696	650	1,030	1,695	1,692	2,013
Total Depreciation and Amortization (D&A)	34	32	36	30	32	30	26	20	15	14
Debt-free, Cash-free Net Working Capital to Revenue	5.80%	2.57%	2.21%	6.75%	6.59%	4.42%	3.53%	3.63%	6.74%	5.91%
Debt-free Net Working Capital to Revenue	16.06%	11.18%	13.51%	15.75%	15.76%	16.57%	18.36%	13.31%	15.77%	14.68%
Net Working Capital to Revenue	5.09%	2.45%	-1.68%	-7.75%	-3.03%	9.24%	-0.63%	11.13%	12.47%	13.81%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.75	$3.52	$4.16	$4.79	$0.00	$0.00	$13.65	$14.34	$17.18	$20.78
Adjusted Weighted Average Basic Shares Outstanding	31.40M	31.13M	30.86M	29.71M	0.00	0.00	28.73M	26.04M	24.99M	24.68M
Adjusted Diluted Earnings per Share	$2.65	$3.39	$3.98	$4.57	$0.00	$0.00	$13.40	$14.18	$16.93	$20.45
Adjusted Weighted Average Diluted Shares Outstanding	32.61M	32.31M	32.25M	31.18M	0.00	0.00	29.26M	26.35M	25.37M	25.08M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	31.08M	30.94M	29.99M	28.96M	0.00	0.00	27.36M	24.98M	24.71M	24.35M
Normalized Net Operating Profit after Tax (NOPAT)	123	128	159	141	225	314	425	430	499	586
Normalized NOPAT Margin	14.70%	14.57%	17.04%	14.13%	19.43%	24.23%	32.32%	31.21%	32.94%	34.12%
Pre Tax Income Margin	13.02%	16.40%	16.72%	15.69%	18.63%	19.85%	35.94%	34.22%	36.58%	37.38%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.75	6.43	7.06	6.01	6.44	7.09	12.80	7.83	6.79	7.08
NOPAT to Interest Expense	3.74	4.82	6.03	4.51	5.67	6.46	10.45	6.23	5.22	5.55
EBIT Less CapEx to Interest Expense	3.89	5.60	6.29	5.01	5.83	6.57	16.29	7.75	6.75	6.84
NOPAT Less CapEx to Interest Expense	2.88	4.00	5.26	3.51	5.07	5.93	13.94	6.15	5.17	5.31
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	2.90%	2.27%	0.93%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	154.02%	128.73%	141.56%	270.87%	119.14%	99.50%	222.96%	295.60%	94.45%	160.23%

This table displays calculated financial ratios and metrics derived from Fair Isaac's official financial filings.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	4.24%	6.98%	6.46%	14.25%	11.75%	10.78%	14.08%	12.33%	16.44%	15.16%	14.97%
EBITDA Growth	14.09%	18.60%	6.61%	28.25%	21.05%	8.69%	22.25%	6.65%	21.43%	18.03%	22.57%
EBIT Growth	15.52%	20.24%	7.80%	30.60%	23.01%	9.98%	23.21%	6.50%	21.32%	16.07%	22.92%
NOPAT Growth	14.91%	24.06%	-1.49%	32.84%	11.22%	20.73%	24.06%	-0.62%	30.48%	29.99%	28.08%
Net Income Growth	5.81%	14.93%	-2.71%	37.71%	11.82%	23.99%	27.82%	-1.94%	33.79%	25.99%	25.28%
EPS Growth	18.06%	24.27%	1.27%	40.72%	13.60%	25.00%	29.00%	-0.59%	35.66%	27.92%	27.71%
Operating Cash Flow Growth	57.84%	-25.98%	-26.75%	4.68%	13.27%	32.11%	-20.90%	73.97%	38.06%	58.86%	5.47%
Free Cash Flow Firm Growth	-13.76%	-71.08%	-55.82%	-52.91%	-93.56%	-13.41%	-96.45%	92.99%	1,168.79%	207.70%	5,072.41%
Invested Capital Growth	-2.90%	5.97%	6.58%	10.97%	12.43%	9.05%	14.65%	5.95%	4.63%	1.49%	7.30%
Revenue Q/Q Growth	-0.06%	-1.11%	10.26%	4.84%	-2.25%	-1.97%	13.55%	3.24%	1.33%	-3.05%	13.36%
EBITDA Q/Q Growth	-4.27%	4.61%	14.07%	12.27%	-9.65%	-6.07%	28.31%	-2.06%	2.88%	-8.70%	33.24%
EBIT Q/Q Growth	-4.06%	5.04%	14.69%	12.99%	-9.63%	-6.08%	28.48%	-2.33%	2.94%	-10.15%	36.06%
NOPAT Q/Q Growth	-1.08%	8.04%	1.54%	22.41%	-17.18%	17.28%	4.34%	-1.95%	8.74%	16.84%	2.81%
Net Income Q/Q Growth	-3.00%	7.66%	4.00%	26.79%	-21.23%	19.37%	7.21%	-2.73%	7.47%	12.41%	6.61%
EPS Q/Q Growth	-2.22%	8.78%	4.17%	27.00%	-21.06%	19.70%	7.50%	-2.13%	7.72%	12.87%	7.33%
Operating Cash Flow Q/Q Growth	23.64%	-36.17%	-2.85%	36.54%	33.78%	-25.56%	-41.83%	200.32%	6.16%	-14.34%	-61.38%
Free Cash Flow Firm Q/Q Growth	48.11%	-53.33%	-8.72%	-25.36%	-79.76%	527.89%	-96.25%	3,953.19%	33.07%	52.27%	-37.02%
Invested Capital Q/Q Growth	-3.74%	6.53%	3.59%	4.47%	-2.48%	3.33%	8.91%	-3.46%	-3.68%	0.23%	15.13%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	76.35%	77.80%	79.01%	81.98%	78.75%	78.15%	79.96%	80.30%	80.26%	80.15%	82.43%
EBITDA Margin	39.74%	42.04%	43.49%	46.57%	43.05%	41.24%	46.61%	44.22%	44.89%	42.27%	49.69%
Operating Margin	38.47%	40.69%	42.01%	44.40%	42.52%	39.62%	44.91%	42.48%	43.45%	40.80%	49.25%
EBIT Margin	38.41%	40.80%	42.44%	45.73%	42.28%	40.50%	45.83%	43.36%	44.05%	40.83%	49.00%
Profit (Net Income) Margin	26.01%	28.31%	26.71%	32.30%	26.02%	31.69%	29.92%	28.19%	29.90%	34.67%	32.61%
Tax Burden Percent	80.19%	82.82%	73.87%	81.60%	72.21%	92.71%	75.14%	75.46%	79.17%	101.60%	76.34%
Interest Burden Percent	84.44%	83.80%	85.19%	86.54%	85.25%	84.39%	86.88%	86.16%	85.74%	83.58%	87.16%
Effective Tax Rate	19.81%	17.18%	26.13%	18.40%	27.79%	7.29%	24.86%	24.54%	20.83%	-1.60%	23.66%
Return on Invested Capital (ROIC)	46.88%	51.03%	46.25%	54.53%	48.99%	57.29%	51.20%	50.00%	57.52%	70.43%	59.10%
ROIC Less NNEP Spread (ROIC-NNEP)	45.64%	49.87%	45.26%	53.64%	47.92%	56.19%	50.28%	49.06%	56.42%	68.92%	57.91%
Return on Net Nonoperating Assets (RNNOA)	-136.26%	-118.65%	-105.53%	-121.29%	-108.92%	-129.32%	-120.88%	-116.88%	-126.64%	-146.21%	-130.84%
Return on Equity (ROE)	-89.38%	-67.62%	-59.28%	-66.76%	-59.93%	-72.03%	-69.68%	-66.88%	-69.11%	-75.77%	-71.74%
Cash Return on Invested Capital (CROIC)	50.38%	43.13%	40.79%	39.30%	40.87%	43.93%	38.44%	46.10%	52.52%	58.49%	50.03%
Operating Return on Assets (OROA)	35.15%	39.09%	40.40%	44.29%	42.41%	41.16%	45.88%	43.54%	45.95%	43.93%	50.97%
Return on Assets (ROA)	23.80%	27.13%	25.43%	31.27%	26.11%	32.20%	29.95%	28.31%	31.19%	37.30%	33.91%
Return on Common Equity (ROCE)	-89.38%	-67.62%	-59.28%	-66.76%	-59.93%	-72.03%	-69.68%	-66.88%	-69.11%	-75.77%	-71.74%
Return on Equity Simple (ROE_SIMPLE)	0.00%	-48.15%	-49.74%	-59.47%	0.00%	-62.39%	-65.39%	-57.70%	0.00%	-47.82%	-51.34%
Net Operating Profit after Tax (NOPAT)	108	116	118	144	120	140	146	144	156	182	188
NOPAT Margin	30.85%	33.70%	31.04%	36.23%	30.70%	36.73%	33.75%	32.06%	34.40%	41.46%	37.60%
Net Nonoperating Expense Percent (NNEP)	1.24%	1.17%	0.98%	0.90%	1.08%	1.10%	0.92%	0.95%	1.10%	1.51%	1.19%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	11.35%	-	-	-	14.22%	13.36%
Cost of Revenue to Revenue	23.65%	22.20%	20.99%	18.02%	21.25%	21.85%	20.04%	19.70%	19.74%	19.85%	17.57%
SG&A Expenses to Revenue	27.57%	26.97%	26.34%	27.11%	25.49%	27.31%	25.56%	27.88%	27.05%	29.08%	24.15%
R&D to Revenue	10.18%	10.62%	10.59%	10.40%	10.67%	11.16%	9.42%	9.87%	9.74%	10.26%	9.03%
Operating Expenses to Revenue	37.88%	37.10%	37.00%	37.58%	36.23%	38.54%	35.04%	37.82%	36.81%	39.34%	33.18%
Earnings before Interest and Taxes (EBIT)	134	141	161	182	165	155	199	194	200	180	244
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	139	145	165	186	168	158	202	198	204	186	248
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Revenue (P/Rev)	7.55	10.68	12.42	13.73	14.26	18.55	19.36	22.25	27.74	27.30	24.47
Price to Earnings (P/E)	27.85	38.71	46.10	48.31	50.28	63.53	64.56	76.87	92.92	89.06	78.03
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	3.59%	2.58%	2.17%	2.07%	1.99%	1.57%	1.55%	1.30%	1.08%	1.12%	1.28%
Enterprise Value to Invested Capital (EV/IC)	13.55	17.56	19.72	21.33	23.19	29.43	29.14	35.49	47.28	48.13	39.08
Enterprise Value to Revenue (EV/Rev)	8.78	11.93	13.66	14.91	15.38	19.69	20.52	23.41	28.92	28.54	25.74
Enterprise Value to EBITDA (EV/EBITDA)	21.58	28.63	32.73	34.60	35.07	45.14	46.16	53.35	65.22	64.37	56.88
Enterprise Value to EBIT (EV/EBIT)	22.39	29.62	33.76	35.51	35.86	46.03	46.98	54.32	66.43	65.58	57.90
Enterprise Value to NOPAT (EV/NOPAT)	28.14	36.94	43.15	45.15	46.70	58.40	59.76	70.40	84.76	80.84	70.89
Enterprise Value to Operating Cash Flow (EV/OCF)	23.75	35.02	43.75	48.83	49.65	61.23	68.61	67.84	78.46	71.88	66.83
Enterprise Value to Free Cash Flow (EV/FCFF)	26.50	41.90	49.89	57.11	60.07	69.91	80.98	79.21	92.06	82.89	80.87
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	-2.31	-2.39	-2.50	-2.74	-2.71	-2.70	-2.78	-2.56	-2.29	-2.13	-2.25
Long-Term Debt to Equity	-2.27	-2.27	-2.36	-2.58	-2.63	-2.49	-2.76	-2.54	-2.28	-2.11	-2.24
Financial Leverage	-2.99	-2.38	-2.33	-2.26	-2.27	-2.30	-2.40	-2.38	-2.24	-2.12	-2.26
Leverage Ratio	-3.30	-2.18	-2.08	-1.96	-2.03	-2.00	-2.13	-2.15	-2.00	-1.77	-1.90
Compound Leverage Factor	-2.78	-1.83	-1.78	-1.70	-1.73	-1.69	-1.85	-1.85	-1.71	-1.48	-1.66
Debt to Total Capital	176.25%	171.71%	166.80%	157.44%	158.62%	158.72%	156.24%	164.26%	177.24%	188.72%	180.05%
Short-Term Debt to Total Capital	2.85%	8.94%	9.27%	9.38%	4.26%	12.38%	1.15%	1.16%	1.20%	1.17%	1.07%
Long-Term Debt to Total Capital	173.40%	162.77%	157.53%	148.05%	154.36%	146.34%	155.10%	163.09%	176.04%	187.55%	178.99%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	-76.25%	-71.71%	-66.80%	-57.44%	-58.62%	-58.72%	-56.24%	-64.26%	-77.24%	-88.72%	-80.05%
Debt to EBITDA	3.31	3.29	3.24	3.04	2.80	2.90	2.87	2.92	2.90	3.08	3.04
Net Debt to EBITDA	3.02	3.00	2.96	2.73	2.55	2.61	2.62	2.65	2.64	2.78	2.81
Long-Term Debt to EBITDA	3.25	3.12	3.06	2.86	2.73	2.67	2.84	2.90	2.88	3.06	3.02
Debt to NOPAT	4.31	4.25	4.27	3.97	3.73	3.75	3.71	3.86	3.77	3.86	3.78
Net Debt to NOPAT	3.94	3.88	3.90	3.56	3.39	3.37	3.39	3.49	3.44	3.50	3.50
Long-Term Debt to NOPAT	4.24	4.03	4.04	3.73	3.63	3.46	3.68	3.83	3.74	3.84	3.76
Altman Z-Score	7.04	8.28	9.03	9.65	10.18	11.92	12.19	13.33	15.39	15.12	14.04
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.46	1.36	1.40	1.46	1.51	1.31	2.04	1.87	1.62	1.80	2.11
Quick Ratio	1.37	1.26	1.28	1.39	1.43	1.22	1.92	1.76	1.52	1.62	1.86
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	134	63	57	43	8.64	54	2.03	82	110	167	105
Operating Cash Flow to CapEx	18,171.39%	10,875.29%	5,881.07%	15,482.58%	15,360.39%	8,972.81%	753.93%	2,790.46%	3,179.53%	2,705.30%	794.72%
Free Cash Flow to Firm to Interest Expense	6.44	2.75	2.39	1.74	0.36	2.24	0.08	3.07	3.84	5.66	3.35
Operating Cash Flow to Interest Expense	6.95	4.05	3.76	5.00	6.75	5.05	2.72	7.94	7.94	6.58	2.39
Operating Cash Flow Less CapEx to Interest Expense	6.91	4.02	3.69	4.96	6.71	5.00	2.36	7.66	7.69	6.34	2.09
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.92	0.96	0.95	0.97	1.00	1.02	1.00	1.00	1.04	1.08	1.04
Accounts Receivable Turnover	4.34	4.93	4.65	4.39	4.26	4.59	3.97	4.02	4.22	4.94	3.83
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	60.55	70.74	0.00	0.00	106.04	0.00	0.00	0.00	69.49	0.00	0.00
Accounts Payable Turnover	15.89	16.62	20.66	18.18	17.15	17.95	19.85	17.39	16.79	16.86	16.45
Days Sales Outstanding (DSO)	84.08	74.11	78.45	83.08	85.65	79.52	91.83	90.69	86.56	73.85	95.35
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	22.96	21.97	17.67	20.08	21.29	20.33	18.39	20.99	21.74	21.65	22.19
Cash Conversion Cycle (CCC)	61.12	52.14	60.78	63.00	64.37	59.19	73.45	69.70	64.81	52.19	73.16
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	893	951	985	1,029	1,004	1,037	1,130	1,091	1,050	1,053	1,212
Invested Capital Turnover	1.52	1.51	1.49	1.51	1.60	1.56	1.52	1.56	1.67	1.70	1.57
Increase / (Decrease) in Invested Capital	-27	54	61	102	111	86	144	61	47	16	82
Enterprise Value (EV)	12,099	16,703	19,433	21,958	23,281	30,530	32,921	38,706	49,665	50,666	47,367
Market Capitalization	10,404	14,950	17,676	20,225	21,589	28,767	31,055	36,786	47,652	48,475	45,031
Book Value per Share	($31.76)	($32.12)	($30.64)	($28.17)	($27.54)	($29.37)	($29.60)	($33.56)	($39.26)	($46.75)	($46.03)
Tangible Book Value per Share	($61.98)	($63.07)	($61.48)	($59.29)	($58.52)	($60.84)	($60.86)	($65.00)	($71.19)	($78.60)	($77.95)
Total Capital	1,052	1,119	1,154	1,226	1,174	1,236	1,308	1,291	1,246	1,283	1,404
Total Debt	1,854	1,921	1,925	1,930	1,862	1,962	2,044	2,120	2,209	2,421	2,528
Total Long-Term Debt	1,824	1,821	1,818	1,815	1,812	1,809	2,029	2,105	2,194	2,406	2,513
Net Debt	1,695	1,753	1,757	1,733	1,692	1,763	1,865	1,920	2,013	2,191	2,336
Capital Expenditures (CapEx)	0.80	0.85	1.53	0.79	1.07	1.36	9.42	7.65	7.12	7.17	9.43
Debt-free, Cash-free Net Working Capital (DFCFNWC)	50	89	117	134	102	125	206	153	101	95	250
Debt-free Net Working Capital (DFNWC)	183	229	255	297	239	285	341	309	252	280	397
Net Working Capital (NWC)	153	129	148	182	189	132	326	294	237	265	382
Net Nonoperating Expense (NNE)	17	19	16	16	18	19	17	17	20	30	25
Net Nonoperating Obligations (NNO)	1,695	1,753	1,756	1,733	1,692	1,763	1,865	1,920	2,013	2,191	2,336
Total Depreciation and Amortization (D&A)	4.65	4.28	4.01	3.35	3.00	2.82	3.35	3.83	3.82	6.38	3.42
Debt-free, Cash-free Net Working Capital to Revenue	3.63%	6.36%	8.24%	9.10%	6.74%	8.04%	12.82%	9.25%	5.91%	5.37%	13.59%
Debt-free Net Working Capital to Revenue	13.31%	16.35%	17.93%	20.17%	15.77%	18.39%	21.28%	18.68%	14.68%	15.74%	21.55%
Net Working Capital to Revenue	11.13%	9.20%	10.41%	12.36%	12.47%	8.52%	20.34%	17.78%	13.81%	14.90%	20.74%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$3.57	$3.90	$4.04	$5.16	$4.08	$4.89	$5.23	$5.12	$5.54	$6.26	$6.67
Adjusted Weighted Average Basic Shares Outstanding	26.04M	25.05M	25.12M	24.96M	24.99M	24.76M	24.82M	24.65M	24.68M	24.38M	24.39M
Adjusted Diluted Earnings per Share	$3.53	$3.84	$4.00	$5.08	$4.01	$4.80	$5.16	$5.05	$5.44	$6.14	$6.59
Adjusted Weighted Average Diluted Shares Outstanding	26.35M	25.44M	25.42M	25.34M	25.37M	25.22M	25.15M	25.02M	25.08M	24.83M	24.69M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	24.98M	25.15M	24.99M	24.86M	24.71M	24.85M	24.71M	24.52M	24.35M	24.42M	24.34M
Normalized Net Operating Profit after Tax (NOPAT)	108	115	118	144	120	140	146	144	156	126	188
Normalized NOPAT Margin	30.85%	33.23%	31.04%	36.23%	30.70%	36.73%	33.75%	32.06%	34.40%	28.56%	37.60%
Pre Tax Income Margin	32.43%	34.19%	36.15%	39.58%	36.04%	34.18%	39.82%	37.36%	37.77%	34.12%	42.71%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.43	6.17	6.75	7.43	6.78	6.40	7.62	7.23	7.01	6.09	7.79
NOPAT to Interest Expense	5.16	5.10	4.94	5.89	4.92	5.81	5.61	5.34	5.47	6.19	5.98
EBIT Less CapEx to Interest Expense	6.39	6.13	6.69	7.40	6.74	6.35	7.26	6.94	6.76	5.85	7.49
NOPAT Less CapEx to Interest Expense	5.12	5.06	4.87	5.85	4.88	5.75	5.25	5.06	5.23	5.94	5.68
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	295.60%	180.32%	137.62%	81.53%	94.45%	88.83%	96.60%	129.25%	160.23%	167.67%	166.00%

Key Financial Trends

Fair Isaac Corp (NYSE: FICO) has demonstrated consistent revenue and earnings growth over the last four years, supported by stable operating margins and solid cash flows. Here are the key points from the analysis of the recent quarterly financials covering Q2 2022 through Q2 2025:

Revenue Growth: Operating revenue increased steadily from approximately $348.7 million in Q4 2022 to nearly $498.7 million in Q2 2025, reflecting strong demand and business expansion.
Increasing Net Income: Net income attributable to common shareholders increased from around $90.7 million in Q4 2022 to about $162.6 million in Q2 2025, indicating improved profitability.
Rising Earnings Per Share: Basic EPS rose from $3.57 in Q4 2022 to $6.67 in Q2 2025, showing effective earnings growth on a per-share basis despite a relatively stable share count.
Strong Operating Cash Flows: Net cash from operating activities remains robust, with $71 million generated in Q2 2024 and $75 million in Q2 2025, supporting business operations and investments.
Consistent Gross Profit Margins: Gross profit margins remained healthy around 80%+ in recent quarters, showing efficient cost management relative to revenue growth.
Stable R&D and SG&A Expenses: Although R&D and SG&A expenses increased nominally, their growth is in line with revenue expansion, implying continued investment without disproportionate expense escalation.
Total Debt Fluctuations: Long-term debt has increased over time, reaching over $2.5 billion in Q2 2025 from $1.8 billion at the start of 2023, which may reflect financing for expansions or buybacks.
Negative Equity Position: Fair Isaac has reported negative total common equity consistently, driven by substantial treasury stock balances, which could be a concern regarding balance sheet leverage and shareholder returns.
Heavy Share Repurchases: The company has been actively repurchasing common stock (e.g., over $217 million repurchased in Q2 2025), which while boosting EPS, reduces cash reserves and increases leverage.
Increasing Interest Expense: Interest expenses have grown from about $20.8 million in Q4 2022 to over $31 million in Q2 2025, adding financial costs likely associated with rising debt levels.

In summary, Fair Isaac's financials illustrate a growth trajectory with improving revenues and profitability, underpinned by strong cash generation. However, the company's increasing debt levels and negative equity due to aggressive share repurchases warrant close monitoring by investors. The balance between growth investments, capital structure management, and shareholder returns will be critical for sustaining long-term value.

08/03/25 07:26 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Fair Isaac's Financials

When does Fair Isaac's fiscal year end?

According to the most recent income statement we have on file, Fair Isaac's financial year ends in September. Their financial year 2024 ended on September 30, 2024.

How has Fair Isaac's net income changed over the last 9 years?

Fair Isaac's net income appears to be on an upward trend, with a most recent value of $512.81 million in 2024, rising from $86.50 million in 2015. The previous period was $429.38 million in 2023. Check out Fair Isaac's forecast to explore projected trends and price targets.

What is Fair Isaac's operating income?

Fair Isaac's total operating income in 2024 was $733.63 million, based on the following breakdown:

Total Gross Profit: $1.37 billion
Total Operating Expenses: $635.69 million

How has Fair Isaac's revenue changed over the last 9 years?

Over the last 9 years, Fair Isaac's total revenue changed from $838.78 million in 2015 to $1.72 billion in 2024, a change of 104.8%.

How much debt does Fair Isaac have?

Fair Isaac's total liabilities were at $2.68 billion at the end of 2024, a 18.4% increase from 2023, and a 238.0% increase since 2015.

How much cash does Fair Isaac have?

In the past 9 years, Fair Isaac's cash and equivalents has ranged from $75.93 million in 2016 to $195.35 million in 2021, and is currently $150.67 million as of their latest financial filing in 2024.

How has Fair Isaac's book value per share changed over the last 9 years?

Over the last 9 years, Fair Isaac's book value per share changed from 14.03 in 2015 to -39.26 in 2024, a change of -379.8%.

Related Companies

This page (NYSE:FICO) was last updated on 8/3/2025 by MarketBeat.com Staff

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Fair Isaac (FICO) Financials

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Fair Isaac (FICO) Financials

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