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Fair Isaac (FICO) Financials

Fair Isaac logo
$1,412.58 +50.86 (+3.74%)
Closing price 08/22/2025 03:59 PM Eastern
Extended Trading
$1,422.95 +10.37 (+0.73%)
As of 08/22/2025 07:59 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Annual Income Statements for Fair Isaac

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 9/30/2014 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
95 87 109 133 126 192 236 392 374 429 513
Consolidated Net Income / (Loss)
95 87 109 133 126 192 236 392 374 429 513
Net Income / (Loss) Continuing Operations
95 87 109 133 126 192 236 392 374 429 513
Total Pre-Tax Income
133 109 145 156 157 216 257 473 471 554 642
Total Operating Income
162 138 170 182 175 254 296 505 542 643 734
Total Gross Profit
540 839 881 647 687 823 933 984 1,075 1,203 1,369
Total Revenue
789 839 881 935 1,000 1,160 1,295 1,317 1,377 1,514 1,718
Operating Revenue
789 839 881 935 1,000 1,160 1,295 1,317 1,377 1,514 1,718
Total Cost of Revenue
249 0.00 0.00 288 313 337 361 332 302 311 348
Operating Cost of Revenue
249 - - 288 313 337 361 332 302 311 348
Total Operating Expenses
378 701 712 465 512 570 637 479 533 560 636
Selling, General & Admin Expense
278 300 329 337 377 414 421 396 384 401 463
Research & Development Expense
83 99 104 111 128 149 166 171 147 160 172
Amortization Expense
12 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
-29 -28 -25 -26 -18 -37 -39 -32 -71 -89 -92
Interest Expense
29 29 27 26 31 40 42 40 69 96 106
Other Income / (Expense), net
-0.19 0.88 1.61 -0.09 13 2.28 3.21 7.75 -2.14 6.34 14
Income Tax Expense
38 23 35 23 30 24 21 81 98 124 129
Basic Earnings per Share
$2.80 $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
33.87M 31.40M 31.13M 30.86M 29.71M 28.98M 29.07M 28.73M 26.04M 24.99M 24.68M
Diluted Earnings per Share
$2.72 $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
34.86M 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
33.90M 31.50M 31.10M 30.80M 29.70M 29.10M - 27.36M 24.98M 24.71M 24.35M

Quarterly Income Statements for Fair Isaac

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 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 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 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders
98 102 129 101 121 130 126 136 153 163 182
Consolidated Net Income / (Loss)
98 102 129 101 121 130 126 136 153 163 182
Net Income / (Loss) Continuing Operations
98 102 129 101 121 130 126 136 153 163 182
Total Pre-Tax Income
118 137 158 140 131 173 167 171 150 213 237
Total Operating Income
140 160 177 166 151 195 190 197 180 246 263
Total Gross Profit
268 300 327 307 299 347 360 364 353 411 449
Total Revenue
345 380 399 390 382 434 448 454 440 499 536
Operating Revenue
345 380 399 390 382 434 448 454 440 499 536
Total Cost of Revenue
77 80 72 83 83 87 88 90 87 88 88
Operating Cost of Revenue
77 80 72 83 83 87 88 90 87 88 88
Total Operating Expenses
128 141 150 141 147 152 169 167 173 165 186
Selling, General & Admin Expense
93 100 108 99 104 111 125 123 128 120 139
Research & Development Expense
37 40 41 42 43 41 44 44 45 45 47
Amortization Expense
0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.09 0.00 0.00 0.00
Total Other Income / (Expense), net
-22 -22 -19 -25 -21 -22 -23 -26 -29 -33 -26
Interest Expense
23 24 25 24 24 26 27 29 29 31 33
Other Income / (Expense), net
0.36 1.61 5.30 -0.93 3.39 3.99 3.94 2.72 0.09 -1.25 7.37
Income Tax Expense
20 36 29 39 9.53 43 41 36 -2.40 50 55
Basic Earnings per Share
$3.90 $4.04 $5.16 $4.08 $4.89 $5.23 $5.12 $5.54 $6.26 $6.67 $7.49
Weighted Average Basic Shares Outstanding
25.05M 25.12M 24.96M 24.99M 24.76M 24.82M 24.65M 24.68M 24.38M 24.39M 24.28M
Diluted Earnings per Share
$3.84 $4.00 $5.08 $4.01 $4.80 $5.16 $5.05 $5.44 $6.14 $6.59 $7.40
Weighted Average Diluted Shares Outstanding
25.44M 25.42M 25.34M 25.37M 25.22M 25.15M 25.02M 25.08M 24.83M 24.69M 24.58M
Weighted Average Basic & Diluted Shares Outstanding
25.15M 24.99M 24.86M 24.71M 24.85M 24.71M 24.52M 24.35M 24.42M 24.34M 24.00M

Annual Cash Flow Statements for Fair Isaac

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 9/30/2014 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
22 -19 -10 30 -16 16 51 38 -62 3.58 14
Net Cash From Operating Activities
175 147 210 226 223 260 365 424 509 469 633
Net Cash From Continuing Operating Activities
175 147 210 226 223 260 365 424 509 469 633
Net Income / (Loss) Continuing Operations
95 87 109 133 126 192 236 392 374 429 513
Consolidated Net Income / (Loss)
95 87 109 133 126 192 236 392 374 429 513
Depreciation Expense
33 34 32 36 30 32 30 26 20 15 14
Non-Cash Adjustments To Reconcile Net Income
37 60 82 63 64 84 148 25 144 136 154
Changes in Operating Assets and Liabilities, net
10 -34 -13 -6.86 2.17 -48 -50 -19 -28 -111 -48
Net Cash From Investing Activities
-20 -82 -28 -21 -14 -43 -25 138 -5.67 -16 -28
Net Cash From Continuing Investing Activities
-20 -82 -28 -21 -14 -43 -25 138 -5.67 -16 -28
Purchase of Property, Plant & Equipment
-13 -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
0.00 0.08 0.04 - 0.00 0.00 0.06 -0.21 2.26 -6.13 0.00
Net Cash From Financing Activities
-130 -72 -190 -181 -219 -200 -289 -524 -547 -455 -593
Net Cash From Continuing Financing Activities
-130 -72 -190 -181 -219 -200 -289 -524 -547 -455 -593
Repayment of Debt
-69 -187 -159 -156 -670 -169 -605 -260 -997 -402 -603
Repurchase of Common Equity
-217 -131 -138 -188 -343 -229 -235 -874 -1,104 -406 -822
Issuance of Debt
145 249 122 190 827 229 613 682 1,589 407 947
Issuance of Common Equity
19 18 18 14 11 23 42 21 16 22 25
Other Financing Activities, net
-5.49 -19 -30 -40 -44 -54 -105 -92 -51 -77 -141
Effect of Exchange Rate Changes
-2.90 -11 -2.83 5.28 -5.90 -1.14 - -0.14 -19 5.62 1.84
Cash Interest Paid
28 30 27 26 26 40 38 38 57 97 106
Cash Income Taxes Paid
22 34 11 31 13 19 10 71 65 153 134

Quarterly Cash Flow Statements for Fair Isaac

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 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 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 6/30/2025
Net Change in Cash & Equivalents
6.65 -2.09 25 -26 24 -25 20 -5.38 34 -38 42
Net Cash From Operating Activities
92 90 123 164 122 71 213 226 194 75 286
Net Cash From Continuing Operating Activities
92 90 123 164 122 71 213 226 193 76 286
Net Income / (Loss) Continuing Operations
98 102 129 101 121 130 126 136 153 163 182
Consolidated Net Income / (Loss)
98 102 129 101 121 130 126 136 153 163 182
Depreciation Expense
4.28 4.01 3.35 3.00 2.82 3.35 3.83 3.82 3.54 3.42 3.98
Non-Cash Adjustments To Reconcile Net Income
32 29 35 39 33 35 45 41 41 51 40
Changes in Operating Assets and Liabilities, net
-42 -45 -45 21 -35 -97 38 46 -7.18 -138 61
Net Cash From Investing Activities
-11 -1.30 -1.09 -2.98 -2.42 -9.62 -8.39 -7.56 -8.94 -11 -11
Net Cash From Continuing Investing Activities
-11 -1.30 -1.09 -2.98 -2.42 -9.62 -8.39 -7.56 -8.94 -11 -11
Purchase of Property, Plant & Equipment
-0.85 -1.53 -0.79 -1.07 -1.36 -9.42 -7.65 -7.12 -7.17 -9.43 -9.98
Purchase of Investments
-4.56 -3.46 -0.63 -1.98 -14 -2.60 -1.03 -0.51 -2.15 -2.63 -0.88
Sale and/or Maturity of Investments
2.39 2.24 0.34 0.06 13 2.40 0.28 0.08 0.38 1.12 0.36
Net Cash From Financing Activities
-80 -94 -98 -184 -100 -83 -182 -228 -144 -104 -239
Net Cash From Continuing Financing Activities
-80 -94 -98 -184 -100 -83 -182 -228 -144 -104 -239
Repayment of Debt
-103 -56 -107 -137 -71 -5.15 -464 -62 -64 -72 -1,253
Repurchase of Common Equity
-75 -109 -101 -120 -72 -172 -255 -324 -163 -217 -487
Issuance of Debt
169 59 111 68 170 85 540 152 275 175 1,500
Issuance of Common Equity
2.00 13 0.40 6.58 4.50 10 0.74 9.33 3.26 13 5.85
Other Financing Activities, net
-73 -0.81 -1.77 -1.23 -132 -1.88 -3.44 -3.30 -196 -2.41 -4.66
Effect of Exchange Rate Changes
4.43 3.03 1.71 -3.55 3.81 -2.81 -2.80 3.65 - - 5.76
Cash Interest Paid
38 9.07 39 11 38 12 41 15 44 17 40
Cash Income Taxes Paid
13 59 34 46 4.93 49 44 36 22 70 37

Annual Balance Sheets for Fair Isaac

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 9/30/2014 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
Total Assets
1,192 1,230 1,221 1,256 1,330 1,433 1,606 1,568 1,442 1,575 1,718
Total Current Assets
289 287 268 311 396 456 534 551 485 556 617
Cash & Equivalents
105 86 76 106 90 106 157 195 133 137 151
Accounts Receivable
155 159 168 169 267 297 334 312 322 388 427
Prepaid Expenses
28 42 24 37 40 52 43 44 29 32 40
Plant, Property, & Equipment, net
37 38 45 41 49 53 46 28 18 11 0.00
Total Noncurrent Assets
867 905 908 904 885 925 1,025 989 940 1,008 1,100
Long-Term Investments
20 21 22 26 20 22 26 33 26 33 45
Goodwill
780 815 798 804 801 804 812 788 761 773 783
Noncurrent Deferred & Refundable Income Taxes
13 15 48 47 14 6.01 15 21 12 59 87
Other Noncurrent Operating Assets
6.41 7.56 6.35 5.67 36 79 163 143 139 141 186
Total Liabilities & Shareholders' Equity
1,192 1,230 1,221 1,256 1,330 1,433 1,606 1,568 1,442 1,575 1,718
Total Liabilities
738 793 774 829 1,043 1,144 1,275 1,679 2,244 2,263 2,681
Total Current Liabilities
341 244 246 327 474 491 415 559 331 368 380
Short-Term Debt
170 92 77 142 235 218 95 250 30 50 15
Accounts Payable
22 20 23 20 20 23 23 21 17 19 22
Accrued Expenses
36 31 28 32 31 32 63 80 66 59 80
Current Deferred Revenue
57 47 47 55 103 111 115 105 120 137 157
Current Employee Benefit Liabilities
57 54 71 78 84 106 118 104 98 102 106
Total Noncurrent Liabilities
396 549 528 502 569 653 861 1,120 1,913 1,896 2,300
Long-Term Debt
396 549 528 502 569 607 739 1,009 1,824 1,812 2,194
Other Noncurrent Operating Liabilities
- - - - - 46 121 110 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 0.00
Total Equity & Noncontrolling Interests
455 437 447 427 287 290 331 -111 -802 -688 -963
Total Preferred & Common Equity
455 437 447 427 287 290 331 -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 0.00
Total Common Equity
455 437 447 427 287 290 331 -111 -802 -688 -963
Common Stock
1,130 1,153 1,189 1,196 1,211 1,226 1,219 1,238 1,300 1,351 1,367
Retained Earnings
1,284 1,368 1,471 1,598 1,765 1,957 2,193 2,585 2,959 3,388 3,901
Treasury Stock
-1,936 -2,034 -2,137 -2,301 -2,612 -2,802 -2,998 -3,858 -4,936 -5,325 -6,139
Accumulated Other Comprehensive Income / (Loss)
-23 -51 -77 -66 -76 -90 -83 -76 -125 -102 -92

Quarterly Balance Sheets for Fair Isaac

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 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 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 6/30/2025
Total Assets
1,459 1,502 1,585 1,575 1,594 1,703 1,709 1,718 1,707 1,836 1,862
Total Current Assets
484 521 575 556 565 641 631 617 596 725 710
Cash & Equivalents
140 138 163 137 160 136 156 151 184 147 189
Accounts Receivable
308 338 384 388 367 469 438 427 351 493 454
Prepaid Expenses
36 45 28 32 37 37 37 40 61 86 67
Plant, Property, & Equipment, net
15 0.00 0.00 11 0.00 0.00 0.00 0.00 0.00 0.00 60
Total Noncurrent Assets
960 980 1,010 1,008 1,028 1,062 1,078 1,100 1,111 1,111 1,092
Long-Term Investments
28 30 33 33 38 43 44 45 46 45 51
Goodwill
771 774 777 773 777 776 777 783 776 779 785
Noncurrent Deferred & Refundable Income Taxes
21 31 50 59 64 72 78 87 93 100 106
Other Noncurrent Operating Assets
139 144 148 141 148 170 179 186 196 186 150
Total Liabilities & Shareholders' Equity
1,459 1,502 1,585 1,575 1,594 1,703 1,709 1,718 1,707 1,836 1,862
Total Liabilities
2,261 2,273 2,289 2,263 2,319 2,439 2,538 2,681 2,845 2,960 3,259
Total Current Liabilities
355 373 393 368 433 315 337 380 331 343 771
Short-Term Debt
100 107 115 50 153 15 15 15 15 15 399
Accounts Payable
17 14 17 19 19 19 22 22 23 24 29
Accrued Expenses
51 68 50 59 46 69 58 80 51 56 74
Current Deferred Revenue
127 118 127 137 147 144 149 157 165 172 172
Current Employee Benefit Liabilities
60 66 84 102 68 69 93 106 77 77 96
Total Noncurrent Liabilities
1,906 1,900 1,896 1,896 1,886 2,124 2,201 2,300 2,513 2,617 2,489
Long-Term Debt
1,821 1,818 1,815 1,812 1,809 2,029 2,105 2,194 2,406 2,513 2,380
Other Noncurrent Operating Liabilities
85 82 81 84 78 95 96 106 107 103 109
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 -771 -704 -688 -726 -736 -829 -963 -1,138 -1,124 -1,397
Total Preferred & Common Equity
-802 -771 -704 -688 -726 -736 -829 -963 -1,138 -1,124 -1,397
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 -771 -704 -688 -726 -736 -829 -963 -1,138 -1,124 -1,397
Common Stock
1,245 1,282 1,313 1,351 1,239 1,282 1,321 1,367 1,202 1,252 1,292
Retained Earnings
3,056 3,158 3,287 3,388 3,509 3,639 3,765 3,901 4,053 4,216 4,398
Treasury Stock
-4,997 -5,110 -5,209 -5,325 -5,381 -5,559 -5,814 -6,139 -6,286 -6,491 -6,999
Accumulated Other Comprehensive Income / (Loss)
-106 -100 -95 -102 -93 -98 -102 -92 -108 -101 -88

Annual Metrics And Ratios for Fair Isaac

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

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 9/30/2014 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
6.13% 6.31% 5.08% 6.08% 6.97% 15.99% 11.59% 1.70% 4.61% 9.90% 13.48%
EBITDA Growth
-0.57% -11.34% 17.74% 7.62% 0.06% 31.59% 14.65% 63.51% 4.07% 18.38% 14.72%
EBIT Growth
-0.33% -14.41% 23.71% 6.35% 3.39% 35.90% 16.95% 71.55% 5.27% 20.16% 15.17%
NOPAT Growth
4.58% -5.61% 17.91% 21.12% -9.11% 59.51% 20.76% 53.86% 2.63% 15.97% 17.53%
Net Income Growth
5.31% -8.83% 26.53% 21.90% -5.20% 51.90% 23.05% 65.85% -4.73% 14.95% 19.43%
EPS Growth
9.68% -2.57% 27.92% 22.12% -1.93% 56.16% 24.61% 69.62% 5.82% 19.39% 20.79%
Operating Cash Flow Growth
28.59% -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
69.05% -75.65% 339.63% 15.80% -41.34% 122.34% 25.35% 73.63% -5.07% -15.11% 39.20%
Invested Capital Growth
-2.32% 8.44% -1.84% -1.46% 4.46% 0.46% -0.48% -6.32% -2.90% 12.43% 4.63%
Revenue Q/Q Growth
4.12% 1.35% 0.35% 2.21% 30.35% -38.43% 88.97% -2.93% 1.04% 2.78% 3.88%
EBITDA Q/Q Growth
1.03% -6.00% 2.06% 10.73% -3.52% 4.50% 4.59% 5.54% 3.15% 4.60% 4.95%
EBIT Q/Q Growth
1.00% -6.96% 2.02% 12.95% -3.61% 5.07% 5.47% 6.12% 3.45% 4.98% 4.93%
NOPAT Q/Q Growth
8.94% -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
9.27% -3.66% -1.10% 10.89% -8.99% 12.85% 1.96% 7.28% 1.35% 2.56% 7.16%
EPS Q/Q Growth
12.40% -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
25.24% -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
33.94% -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
-1.96% 0.79% 3.47% 1.28% 2.25% -6.39% -4.10% 1.11% -3.74% -2.48% -3.68%
Profitability Metrics
- - - - - - - - - - -
Gross Margin
68.40% 100.00% 100.00% 69.24% 68.71% 70.96% 72.10% 74.75% 78.06% 79.45% 79.73%
EBITDA Margin
24.63% 20.54% 23.01% 23.35% 21.84% 24.78% 25.46% 40.93% 40.71% 43.86% 44.34%
Operating Margin
20.52% 16.39% 19.24% 19.48% 17.53% 21.86% 22.86% 38.40% 39.38% 42.47% 42.71%
EBIT Margin
20.49% 16.50% 19.42% 19.47% 18.82% 22.05% 23.11% 38.98% 39.23% 42.89% 43.53%
Profit (Net Income) Margin
12.03% 10.31% 12.42% 14.27% 12.65% 16.56% 18.26% 29.78% 27.12% 28.37% 29.86%
Tax Burden Percent
71.27% 79.19% 75.71% 85.37% 80.60% 88.92% 91.99% 82.87% 79.26% 77.56% 79.87%
Interest Burden Percent
82.34% 78.94% 84.44% 85.84% 83.37% 84.46% 85.90% 92.19% 87.23% 85.28% 85.87%
Effective Tax Rate
28.73% 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)
12.72% 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)
7.78% 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)
6.54% 7.74% 11.43% 14.13% 20.72% 43.66% 48.49% 312.14% -129.28% -110.21% -119.18%
Return on Equity (ROE)
19.26% 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)
15.07% 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)
13.74% 11.43% 13.97% 14.71% 14.56% 18.51% 19.68% 32.34% 35.90% 43.03% 45.41%
Return on Assets (ROA)
8.06% 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)
19.26% 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)
20.87% 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)
115 109 128 156 141 225 272 419 430 499 586
NOPAT Margin
14.62% 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)
4.95% 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
31.60% 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
35.26% 35.77% 37.32% 36.06% 37.69% 35.69% 32.52% 30.10% 27.87% 26.47% 26.95%
R&D to Revenue
10.58% 11.78% 11.76% 11.86% 12.84% 12.89% 12.86% 13.01% 10.66% 10.57% 10.01%
Operating Expenses to Revenue
47.89% 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)
162 138 171 182 188 256 299 513 540 649 748
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
194 172 203 218 218 287 330 539 561 664 761
Valuation Ratios
- - - - - - - - - - -
Price to Book Value (P/BV)
3.89 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 0.00
Price to Revenue (P/Rev)
2.24 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)
18.63 30.38 35.11 32.26 52.66 45.65 52.18 28.81 27.85 50.28 92.92
Dividend Yield
0.15% 0.09% 0.06% 0.06% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield
5.37% 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)
2.47 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)
2.80 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)
11.37 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)
13.66 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)
19.15 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)
12.62 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)
16.16 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
1.25 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
0.87 1.26 1.18 1.18 1.98 2.09 2.23 -9.10 -2.27 -2.63 -2.28
Financial Leverage
0.84 1.09 1.18 1.17 1.69 2.41 2.17 7.64 -2.99 -2.27 -2.24
Leverage Ratio
2.39 2.72 2.77 2.84 3.62 4.79 4.90 14.42 -3.30 -2.03 -2.00
Compound Leverage Factor
1.97 2.14 2.34 2.43 3.02 4.04 4.21 13.29 -2.88 -1.73 -1.71
Debt to Total Capital
55.47% 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
16.65% 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
38.82% 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% 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
44.53% 40.53% 42.49% 39.83% 26.33% 26.00% 28.41% -9.66% -76.25% -58.62% -77.24%
Debt to EBITDA
2.91 3.72 2.98 2.95 3.68 2.87 2.53 2.34 3.31 2.80 2.90
Net Debt to EBITDA
2.27 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
2.04 3.19 2.60 2.30 2.61 2.11 2.24 1.87 3.25 2.73 2.88
Debt to NOPAT
4.91 5.89 4.71 4.14 5.69 3.66 3.06 3.01 4.31 3.73 3.77
Net Debt to NOPAT
3.83 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
3.44 5.04 4.11 3.23 4.03 2.69 2.72 2.41 4.24 3.63 3.74
Altman Z-Score
4.00 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% 0.00%
Liquidity Ratios
- - - - - - - - - - -
Current Ratio
0.85 1.18 1.09 0.95 0.84 0.93 1.29 0.99 1.46 1.51 1.62
Quick Ratio
0.76 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)
137 33 146 169 99 221 277 481 457 388 539
Operating Cash Flow to CapEx
1,390.26% 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
4.79 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
6.13 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
5.69 4.18 7.07 7.98 6.12 5.95 8.13 14.06 7.30 4.86 5.75
Efficiency Ratios
- - - - - - - - - - -
Asset Turnover
0.67 0.69 0.72 0.76 0.77 0.84 0.85 0.83 0.92 1.00 1.04
Accounts Receivable Turnover
5.28 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 0.00
Fixed Asset Turnover
19.28 22.40 21.15 21.79 22.34 22.78 26.04 35.42 60.55 106.04 69.49
Accounts Payable Turnover
12.10 0.00 0.00 13.55 15.74 15.53 15.65 15.19 15.89 17.15 16.79
Days Sales Outstanding (DSO)
69.17 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 0.00
Days Payable Outstanding (DPO)
30.17 0.00 0.00 26.94 23.19 23.50 23.32 24.03 22.96 21.29 21.74
Cash Conversion Cycle (CCC)
38.99 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
896 972 954 940 982 986 982 920 893 1,004 1,050
Invested Capital Turnover
0.87 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
-21 76 -18 -14 42 4.48 -4.72 -62 -27 111 47
Enterprise Value (EV)
2,209 3,163 4,350 4,817 7,355 9,467 12,987 12,327 12,099 23,281 49,665
Market Capitalization
1,768 2,628 3,843 4,304 6,661 8,771 12,336 11,296 10,404 21,589 47,652
Book Value per Share
$14.14 $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
($11.61) ($13.65) ($12.48) ($13.03) ($18.12) ($18.27) ($16.91) ($31.82) ($61.98) ($58.52) ($71.19)
Total Capital
1,021 1,078 1,052 1,071 1,092 1,115 1,166 1,148 1,052 1,174 1,246
Total Debt
566 641 605 644 804 825 834 1,259 1,854 1,862 2,209
Total Long-Term Debt
396 549 528 502 569 607 739 1,009 1,824 1,812 2,194
Net Debt
441 535 507 513 694 696 652 1,030 1,695 1,692 2,013
Capital Expenditures (CapEx)
13 25 22 20 31 24 22 -140 6.03 4.24 26
Debt-free, Cash-free Net Working Capital (DFCFNWC)
12 49 23 21 67 76 57 46 50 102 101
Debt-free Net Working Capital (DFNWC)
117 135 99 126 157 183 215 242 183 239 252
Net Working Capital (NWC)
-53 43 22 -16 -78 -35 120 -8.23 153 189 237
Net Nonoperating Expense (NNE)
20 22 19 22 15 33 36 27 56 69 73
Net Nonoperating Obligations (NNO)
441 535 507 513 694 696 650 1,030 1,695 1,692 2,013
Total Depreciation and Amortization (D&A)
33 34 32 36 30 32 30 26 20 15 14
Debt-free, Cash-free Net Working Capital to Revenue
1.53% 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
14.84% 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
-6.70% 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
$2.80 $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
33.87M 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
$2.72 $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
34.86M 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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
32.11M 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)
118 123 128 159 141 225 314 425 430 499 586
Normalized NOPAT Margin
15.01% 14.70% 14.57% 17.04% 14.13% 19.43% 24.23% 32.32% 31.21% 32.94% 34.12%
Pre Tax Income Margin
16.87% 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
5.66 4.75 6.43 7.06 6.01 6.44 7.09 12.80 7.83 6.79 7.08
NOPAT to Interest Expense
4.04 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
5.22 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
3.60 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
2.86% 2.90% 2.27% 0.93% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio
231.61% 154.02% 128.73% 141.56% 270.87% 119.14% 99.50% 222.96% 295.60% 94.45% 160.23%

Quarterly Metrics And Ratios for Fair Isaac

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

Metric Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 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 6/30/2025
Growth Metrics
- - - - - - - - - - -
Revenue Growth
6.98% 6.46% 14.25% 11.75% 10.78% 14.08% 12.33% 16.44% 15.16% 14.97% 19.78%
EBITDA Growth
18.60% 6.61% 28.25% 21.05% 8.69% 22.25% 6.65% 21.43% 18.03% 22.57% 38.30%
EBIT Growth
20.24% 7.80% 30.60% 23.01% 9.98% 23.21% 6.50% 21.32% 16.07% 22.92% 38.99%
NOPAT Growth
24.06% -1.49% 32.84% 11.22% 20.73% 24.06% -0.62% 30.48% 29.99% 28.08% 40.27%
Net Income Growth
14.93% -2.71% 37.71% 11.82% 23.99% 27.82% -1.94% 33.79% 25.99% 25.28% 43.98%
EPS Growth
24.27% 1.27% 40.72% 13.60% 25.00% 29.00% -0.59% 35.66% 27.92% 27.71% 46.53%
Operating Cash Flow Growth
-25.98% -26.75% 4.68% 13.27% 32.11% -20.90% 73.97% 38.06% 58.86% 5.47% 34.17%
Free Cash Flow Firm Growth
-71.08% -55.82% -52.91% -93.56% -13.41% -96.45% 92.99% 1,168.79% 207.70% 5,072.41% 81.63%
Invested Capital Growth
5.97% 6.58% 10.97% 12.43% 9.05% 14.65% 5.95% 4.63% 1.49% 7.30% 4.75%
Revenue Q/Q Growth
-1.11% 10.26% 4.84% -2.25% -1.97% 13.55% 3.24% 1.33% -3.05% 13.36% 7.56%
EBITDA Q/Q Growth
4.61% 14.07% 12.27% -9.65% -6.07% 28.31% -2.06% 2.88% -8.70% 33.24% 10.52%
EBIT Q/Q Growth
5.04% 14.69% 12.99% -9.63% -6.08% 28.48% -2.33% 2.94% -10.15% 36.06% 10.43%
NOPAT Q/Q Growth
8.04% 1.54% 22.41% -17.18% 17.28% 4.34% -1.95% 8.74% 16.84% 2.81% 7.38%
Net Income Q/Q Growth
7.66% 4.00% 26.79% -21.23% 19.37% 7.21% -2.73% 7.47% 12.41% 6.61% 11.79%
EPS Q/Q Growth
8.78% 4.17% 27.00% -21.06% 19.70% 7.50% -2.13% 7.72% 12.87% 7.33% 12.29%
Operating Cash Flow Q/Q Growth
-36.17% -2.85% 36.54% 33.78% -25.56% -41.83% 200.32% 6.16% -14.34% -61.38% 282.05%
Free Cash Flow Firm Q/Q Growth
-53.33% -8.72% -25.36% -79.76% 527.89% -96.25% 3,953.19% 33.07% 52.27% -37.02% 42.33%
Invested Capital Q/Q Growth
6.53% 3.59% 4.47% -2.48% 3.33% 8.91% -3.46% -3.68% 0.23% 15.13% -5.75%
Profitability Metrics
- - - - - - - - - - -
Gross Margin
77.80% 79.01% 81.98% 78.75% 78.15% 79.96% 80.30% 80.26% 80.15% 82.43% 83.67%
EBITDA Margin
42.04% 43.49% 46.57% 43.05% 41.24% 46.61% 44.22% 44.89% 42.27% 49.69% 51.06%
Operating Margin
40.69% 42.01% 44.40% 42.52% 39.62% 44.91% 42.48% 43.45% 40.80% 49.25% 48.94%
EBIT Margin
40.80% 42.44% 45.73% 42.28% 40.50% 45.83% 43.36% 44.05% 40.83% 49.00% 50.31%
Profit (Net Income) Margin
28.31% 26.71% 32.30% 26.02% 31.69% 29.92% 28.19% 29.90% 34.67% 32.61% 33.89%
Tax Burden Percent
82.82% 73.87% 81.60% 72.21% 92.71% 75.14% 75.46% 79.17% 101.60% 76.34% 76.71%
Interest Burden Percent
83.80% 85.19% 86.54% 85.25% 84.39% 86.88% 86.16% 85.74% 83.58% 87.16% 87.81%
Effective Tax Rate
17.18% 26.13% 18.40% 27.79% 7.29% 24.86% 24.54% 20.83% -1.60% 23.66% 23.29%
Return on Invested Capital (ROIC)
51.03% 46.25% 54.53% 48.99% 57.29% 51.20% 50.00% 57.52% 70.43% 59.10% 64.86%
ROIC Less NNEP Spread (ROIC-NNEP)
49.87% 45.26% 53.64% 47.92% 56.19% 50.28% 49.06% 56.42% 68.92% 57.91% 63.98%
Return on Net Nonoperating Assets (RNNOA)
-118.65% -105.53% -121.29% -108.92% -129.32% -120.88% -116.88% -126.64% -146.21% -130.84% -128.14%
Return on Equity (ROE)
-67.62% -59.28% -66.76% -59.93% -72.03% -69.68% -66.88% -69.11% -75.77% -71.74% -63.28%
Cash Return on Invested Capital (CROIC)
43.13% 40.79% 39.30% 40.87% 43.93% 38.44% 46.10% 52.52% 58.49% 50.03% 60.35%
Operating Return on Assets (OROA)
39.09% 40.40% 44.29% 42.41% 41.16% 45.88% 43.54% 45.95% 43.93% 50.97% 54.36%
Return on Assets (ROA)
27.13% 25.43% 31.27% 26.11% 32.20% 29.95% 28.31% 31.19% 37.30% 33.91% 36.61%
Return on Common Equity (ROCE)
-67.62% -59.28% -66.76% -59.93% -72.03% -69.68% -66.88% -69.11% -75.77% -71.74% -63.28%
Return on Equity Simple (ROE_SIMPLE)
-48.15% -49.74% -59.47% 0.00% -62.39% -65.39% -57.70% 0.00% -47.82% -51.34% 0.00%
Net Operating Profit after Tax (NOPAT)
116 118 144 120 140 146 144 156 182 188 201
NOPAT Margin
33.70% 31.04% 36.23% 30.70% 36.73% 33.75% 32.06% 34.40% 41.46% 37.60% 37.54%
Net Nonoperating Expense Percent (NNEP)
1.17% 0.98% 0.90% 1.08% 1.10% 0.92% 0.95% 1.10% 1.51% 1.19% 0.88%
Return On Investment Capital (ROIC_SIMPLE)
- - - - 11.35% - - - 14.22% 13.36% 14.57%
Cost of Revenue to Revenue
22.20% 20.99% 18.02% 21.25% 21.85% 20.04% 19.70% 19.74% 19.85% 17.57% 16.33%
SG&A Expenses to Revenue
26.97% 26.34% 27.11% 25.49% 27.31% 25.56% 27.88% 27.05% 29.08% 24.15% 25.93%
R&D to Revenue
10.62% 10.59% 10.40% 10.67% 11.16% 9.42% 9.87% 9.74% 10.26% 9.03% 8.80%
Operating Expenses to Revenue
37.10% 37.00% 37.58% 36.23% 38.54% 35.04% 37.82% 36.81% 39.34% 33.18% 34.74%
Earnings before Interest and Taxes (EBIT)
141 161 182 165 155 199 194 200 180 244 270
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
145 165 186 168 158 202 198 204 186 248 274
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)
10.68 12.42 13.73 14.26 18.55 19.36 22.25 27.74 27.30 24.47 23.07
Price to Earnings (P/E)
38.71 46.10 48.31 50.28 63.53 64.56 76.87 92.92 89.06 78.03 70.34
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
2.58% 2.17% 2.07% 1.99% 1.57% 1.55% 1.30% 1.08% 1.12% 1.28% 1.42%
Enterprise Value to Invested Capital (EV/IC)
17.56 19.72 21.33 23.19 29.43 29.14 35.49 47.28 48.13 39.08 41.17
Enterprise Value to Revenue (EV/Rev)
11.93 13.66 14.91 15.38 19.69 20.52 23.41 28.92 28.54 25.74 24.38
Enterprise Value to EBITDA (EV/EBITDA)
28.63 32.73 34.60 35.07 45.14 46.16 53.35 65.22 64.37 56.88 51.77
Enterprise Value to EBIT (EV/EBIT)
29.62 33.76 35.51 35.86 46.03 46.98 54.32 66.43 65.58 57.90 52.62
Enterprise Value to NOPAT (EV/NOPAT)
36.94 43.15 45.15 46.70 58.40 59.76 70.40 84.76 80.84 70.89 64.83
Enterprise Value to Operating Cash Flow (EV/OCF)
35.02 43.75 48.83 49.65 61.23 68.61 67.84 78.46 71.88 66.83 60.18
Enterprise Value to Free Cash Flow (EV/FCFF)
41.90 49.89 57.11 60.07 69.91 80.98 79.21 92.06 82.89 80.87 69.81
Leverage & Solvency
- - - - - - - - - - -
Debt to Equity
-2.39 -2.50 -2.74 -2.71 -2.70 -2.78 -2.56 -2.29 -2.13 -2.25 -1.99
Long-Term Debt to Equity
-2.27 -2.36 -2.58 -2.63 -2.49 -2.76 -2.54 -2.28 -2.11 -2.24 -1.70
Financial Leverage
-2.38 -2.33 -2.26 -2.27 -2.30 -2.40 -2.38 -2.24 -2.12 -2.26 -2.00
Leverage Ratio
-2.18 -2.08 -1.96 -2.03 -2.00 -2.13 -2.15 -2.00 -1.77 -1.90 -1.60
Compound Leverage Factor
-1.83 -1.78 -1.70 -1.73 -1.69 -1.85 -1.85 -1.71 -1.48 -1.66 -1.41
Debt to Total Capital
171.71% 166.80% 157.44% 158.62% 158.72% 156.24% 164.26% 177.24% 188.72% 180.05% 201.11%
Short-Term Debt to Total Capital
8.94% 9.27% 9.38% 4.26% 12.38% 1.15% 1.16% 1.20% 1.17% 1.07% 28.89%
Long-Term Debt to Total Capital
162.77% 157.53% 148.05% 154.36% 146.34% 155.10% 163.09% 176.04% 187.55% 178.99% 172.22%
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
-71.71% -66.80% -57.44% -58.62% -58.72% -56.24% -64.26% -77.24% -88.72% -80.05% -101.11%
Debt to EBITDA
3.29 3.24 3.04 2.80 2.90 2.87 2.92 2.90 3.08 3.04 3.06
Net Debt to EBITDA
3.00 2.96 2.73 2.55 2.61 2.62 2.65 2.64 2.78 2.81 2.80
Long-Term Debt to EBITDA
3.12 3.06 2.86 2.73 2.67 2.84 2.90 2.88 3.06 3.02 2.62
Debt to NOPAT
4.25 4.27 3.97 3.73 3.75 3.71 3.86 3.77 3.86 3.78 3.83
Net Debt to NOPAT
3.88 3.90 3.56 3.39 3.37 3.39 3.49 3.44 3.50 3.50 3.50
Long-Term Debt to NOPAT
4.03 4.04 3.73 3.63 3.46 3.68 3.83 3.74 3.84 3.76 3.28
Altman Z-Score
8.28 9.03 9.65 10.18 11.92 12.19 13.33 15.39 15.12 14.04 12.97
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
1.36 1.40 1.46 1.51 1.31 2.04 1.87 1.62 1.80 2.11 0.92
Quick Ratio
1.26 1.28 1.39 1.43 1.22 1.92 1.76 1.52 1.62 1.86 0.83
Cash Flow Metrics
- - - - - - - - - - -
Free Cash Flow to Firm (FCFF)
63 57 43 8.64 54 2.03 82 110 167 105 150
Operating Cash Flow to CapEx
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% 2,866.82%
Free Cash Flow to Firm to Interest Expense
2.75 2.39 1.74 0.36 2.24 0.08 3.07 3.84 5.66 3.35 4.55
Operating Cash Flow to Interest Expense
4.05 3.76 5.00 6.75 5.05 2.72 7.94 7.94 6.58 2.39 8.70
Operating Cash Flow Less CapEx to Interest Expense
4.02 3.69 4.96 6.71 5.00 2.36 7.66 7.69 6.34 2.09 8.40
Efficiency Ratios
- - - - - - - - - - -
Asset Turnover
0.96 0.95 0.97 1.00 1.02 1.00 1.00 1.04 1.08 1.04 1.08
Accounts Receivable Turnover
4.93 4.65 4.39 4.26 4.59 3.97 4.02 4.22 4.94 3.83 4.33
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
70.74 0.00 0.00 106.04 0.00 0.00 0.00 69.49 0.00 0.00 0.00
Accounts Payable Turnover
16.62 20.66 18.18 17.15 17.95 19.85 17.39 16.79 16.86 16.45 13.59
Days Sales Outstanding (DSO)
74.11 78.45 83.08 85.65 79.52 91.83 90.69 86.56 73.85 95.35 84.37
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)
21.97 17.67 20.08 21.29 20.33 18.39 20.99 21.74 21.65 22.19 26.86
Cash Conversion Cycle (CCC)
52.14 60.78 63.00 64.37 59.19 73.45 69.70 64.81 52.19 73.16 57.51
Capital & Investment Metrics
- - - - - - - - - - -
Invested Capital
951 985 1,029 1,004 1,037 1,130 1,091 1,050 1,053 1,212 1,142
Invested Capital Turnover
1.51 1.49 1.51 1.60 1.56 1.52 1.56 1.67 1.70 1.57 1.73
Increase / (Decrease) in Invested Capital
54 61 102 111 86 144 61 47 16 82 52
Enterprise Value (EV)
16,703 19,433 21,958 23,281 30,530 32,921 38,706 49,665 50,666 47,367 47,035
Market Capitalization
14,950 17,676 20,225 21,589 28,767 31,055 36,786 47,652 48,475 45,031 44,496
Book Value per Share
($32.12) ($30.64) ($28.17) ($27.54) ($29.37) ($29.60) ($33.56) ($39.26) ($46.75) ($46.03) ($57.41)
Tangible Book Value per Share
($63.07) ($61.48) ($59.29) ($58.52) ($60.84) ($60.86) ($65.00) ($71.19) ($78.60) ($77.95) ($89.68)
Total Capital
1,119 1,154 1,226 1,174 1,236 1,308 1,291 1,246 1,283 1,404 1,382
Total Debt
1,921 1,925 1,930 1,862 1,962 2,044 2,120 2,209 2,421 2,528 2,780
Total Long-Term Debt
1,821 1,818 1,815 1,812 1,809 2,029 2,105 2,194 2,406 2,513 2,380
Net Debt
1,753 1,757 1,733 1,692 1,763 1,865 1,920 2,013 2,191 2,336 2,540
Capital Expenditures (CapEx)
0.85 1.53 0.79 1.07 1.36 9.42 7.65 7.12 7.17 9.43 9.98
Debt-free, Cash-free Net Working Capital (DFCFNWC)
89 117 134 102 125 206 153 101 95 250 150
Debt-free Net Working Capital (DFNWC)
229 255 297 239 285 341 309 252 280 397 339
Net Working Capital (NWC)
129 148 182 189 132 326 294 237 265 382 -61
Net Nonoperating Expense (NNE)
19 16 16 18 19 17 17 20 30 25 20
Net Nonoperating Obligations (NNO)
1,753 1,756 1,733 1,692 1,763 1,865 1,920 2,013 2,191 2,336 2,540
Total Depreciation and Amortization (D&A)
4.28 4.01 3.35 3.00 2.82 3.35 3.83 3.82 6.38 3.42 3.98
Debt-free, Cash-free Net Working Capital to Revenue
6.36% 8.24% 9.10% 6.74% 8.04% 12.82% 9.25% 5.91% 5.37% 13.59% 7.75%
Debt-free Net Working Capital to Revenue
16.35% 17.93% 20.17% 15.77% 18.39% 21.28% 18.68% 14.68% 15.74% 21.55% 17.55%
Net Working Capital to Revenue
9.20% 10.41% 12.36% 12.47% 8.52% 20.34% 17.78% 13.81% 14.90% 20.74% -3.15%
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
$3.90 $4.04 $5.16 $4.08 $4.89 $5.23 $5.12 $5.54 $6.26 $6.67 $7.49
Adjusted Weighted Average Basic Shares Outstanding
25.05M 25.12M 24.96M 24.99M 24.76M 24.82M 24.65M 24.68M 24.38M 24.39M 24.28M
Adjusted Diluted Earnings per Share
$3.84 $4.00 $5.08 $4.01 $4.80 $5.16 $5.05 $5.44 $6.14 $6.59 $7.40
Adjusted Weighted Average Diluted Shares Outstanding
25.44M 25.42M 25.34M 25.37M 25.22M 25.15M 25.02M 25.08M 24.83M 24.69M 24.58M
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
25.15M 24.99M 24.86M 24.71M 24.85M 24.71M 24.52M 24.35M 24.42M 24.34M 24.00M
Normalized Net Operating Profit after Tax (NOPAT)
115 118 144 120 140 146 144 156 126 188 201
Normalized NOPAT Margin
33.23% 31.04% 36.23% 30.70% 36.73% 33.75% 32.06% 34.40% 28.56% 37.60% 37.54%
Pre Tax Income Margin
34.19% 36.15% 39.58% 36.04% 34.18% 39.82% 37.36% 37.77% 34.12% 42.71% 44.18%
Debt Service Ratios
- - - - - - - - - - -
EBIT to Interest Expense
6.17 6.75 7.43 6.78 6.40 7.62 7.23 7.01 6.09 7.79 8.20
NOPAT to Interest Expense
5.10 4.94 5.89 4.92 5.81 5.61 5.34 5.47 6.19 5.98 6.12
EBIT Less CapEx to Interest Expense
6.13 6.69 7.40 6.74 6.35 7.26 6.94 6.76 5.85 7.49 7.90
NOPAT Less CapEx to Interest Expense
5.06 4.87 5.85 4.88 5.75 5.25 5.06 5.23 5.94 5.68 5.82
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
180.32% 137.62% 81.53% 94.45% 88.83% 96.60% 129.25% 160.23% 167.67% 166.00% 188.11%

Key Financial Trends

Fair Isaac Corporation (NYSE: FICO) has shown consistent growth and strong financial performance over the last four years, with steady increases in revenue, profitability, and operating cash flow. Here are the key trends and highlights from the financial data:

  • Revenue Growth: Operating revenue has increased from approximately $345 million in Q1 2023 to over $536 million in Q3 2025, showing a sustained upward trend in top-line sales.
  • Increasing Net Income: Net income has grown from around $97.6 million in Q1 2023 to $181.8 million in Q3 2025, reflecting improved profitability and operational efficiency.
  • Strong Gross Profit Margins: Gross profit margins have remained robust, with total gross profit expanding in line with revenue growth, supporting healthy operating income levels.
  • Growing Operating Cash Flow: Net cash from operating activities increased substantially to $286.2 million in Q3 2025 from about $92.4 million in Q1 2023, indicating strong cash generation ability.
  • Effective Capital Allocation: Continued investment in property, plant, and equipment (about $7-10 million per quarter), paired with strategic purchases and sales of investments, suggests disciplined capital allocation supporting growth initiatives.
  • Shareholder Returns: Fair Isaac has actively repurchased shares, spending $486.8 million in Q3 2025 alone, which can enhance shareholder value and improve EPS metrics.
  • Debt Management: While the company maintains significant long-term debt (~$2.4 billion as of Q3 2025), it has been proactive in debt refinancing, issuing new debt and repaying maturing obligations to optimize its capital structure.
  • Equity Position: The total common equity is negative (about -$1.4 billion in Q3 2025), largely due to substantial treasury stock balances from share repurchases. This is not uncommon for mature companies returning capital but merits monitoring.
  • Tax Expenses Fluctuating: Income tax expense has shown variability, occasionally resulting in negative figures, likely due to tax credits or adjustments. This requires context from tax strategy disclosures.
  • High Leverage: Total liabilities significantly exceed total equity, indicating a leveraged balance sheet that could heighten financial risk if not managed prudently amid market volatility or rising interest rates.

Overall, Fair Isaac displays solid financial health with growing revenues, earnings, and strong cash flows. The active management of debt and capital return via buybacks are positive for investors. However, the high leverage and negative equity headline should be watched closely as they could pose risks if market conditions deteriorate.

08/24/25 01:10 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Fair Isaac's Financials

When does Fair Isaac's financial year end?

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

How has Fair Isaac's net income changed over the last 10 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 $94.88 million in 2014. 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 10 years?

Over the last 10 years, Fair Isaac's total revenue changed from $788.99 million in 2014 to $1.72 billion in 2024, a change of 117.7%.

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 263.4% increase since 2014.

How much cash does Fair Isaac have?

In the past 10 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 10 years?

Over the last 10 years, Fair Isaac's book value per share changed from 14.14 in 2014 to -39.26 in 2024, a change of -377.7%.



This page (NYSE:FICO) was last updated on 8/24/2025 by MarketBeat.com Staff
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