Fair Isaac (FICO) Financials

$1,230.41 +44.26 (+3.73%)

Closing price 03:59 PM Eastern

Extended Trading

$1,222.00 -8.41 (-0.68%)

As of 04:30 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	2025
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	9/30/2025
Net Income / (Loss) Attributable to Common Shareholders	87	109	133	126	192	236	392	374	429	513	652
Consolidated Net Income / (Loss)	87	109	133	126	192	236	392	374	429	513	652
Net Income / (Loss) Continuing Operations	87	109	133	126	192	236	392	374	429	513	652
Total Pre-Tax Income	109	145	156	157	216	257	473	471	554	642	803
Total Operating Income	138	170	182	175	254	296	505	542	643	734	925
Total Gross Profit	839	881	647	687	823	933	984	1,075	1,203	1,369	1,637
Total Revenue	839	881	935	1,000	1,160	1,295	1,317	1,377	1,514	1,718	1,991
Operating Revenue	839	881	935	1,000	1,160	1,295	1,317	1,377	1,514	1,718	1,991
Total Cost of Revenue	0.00	0.00	288	313	337	361	332	302	311	348	354
Operating Cost of Revenue	-	-	288	313	337	361	332	302	311	348	354
Total Operating Expenses	701	712	465	512	570	637	479	533	560	636	712
Selling, General & Admin Expense	300	329	337	377	414	421	396	384	401	463	513
Research & Development Expense	99	104	111	128	149	166	171	147	160	172	188
Amortization Expense	14	14	13	6.59	6.13	4.99	3.26	2.06	1.10	0.92	0.00
Other Operating Expenses / (Income)	271	265	-	-	-	-	-100	0.00	-	-	0.00
Restructuring Charge	18	0.00	4.47	0.00	0.00	45	7.96	-	0.00	0.00	11
Total Other Income / (Expense), net	-28	-25	-26	-18	-37	-39	-32	-71	-89	-92	-122
Interest Expense	29	27	26	31	40	42	40	69	96	106	134
Other Income / (Expense), net	0.88	1.61	-0.09	13	2.28	3.21	7.75	-2.14	6.34	14	11
Income Tax Expense	23	35	23	30	24	21	81	98	124	129	151
Basic Earnings per Share	$2.75	$3.52	$4.32	$4.26	$6.63	$8.13	$13.65	$14.34	$17.18	$20.78	$26.90
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	24.24M
Diluted Earnings per Share	$2.65	$3.39	$4.14	$4.06	$6.34	$7.90	$13.40	$14.18	$16.93	$20.45	$26.54
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	24.56M
Weighted Average Basic & Diluted Shares Outstanding	31.50M	31.10M	30.80M	29.70M	29.10M	-	27.36M	24.98M	24.71M	24.35M	23.71M

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	101	121	130	126	136	153	163	182	155	158	264
Consolidated Net Income / (Loss)	101	121	130	126	136	153	163	182	155	158	264
Net Income / (Loss) Continuing Operations	101	121	130	126	136	153	163	182	155	158	264
Total Pre-Tax Income	140	131	173	167	171	150	213	237	202	192	356
Total Operating Income	166	151	195	190	197	180	246	263	237	234	402
Total Gross Profit	307	299	347	360	364	353	411	449	425	425	600
Total Revenue	390	382	434	448	454	440	499	536	516	512	692
Operating Revenue	390	382	434	448	454	440	499	536	516	512	692
Total Cost of Revenue	83	83	87	88	90	87	88	88	91	87	91
Operating Cost of Revenue	83	83	87	88	90	87	88	88	91	87	91
Total Operating Expenses	141	147	152	169	167	173	165	186	187	191	198
Selling, General & Admin Expense	99	104	111	125	123	128	120	139	126	141	144
Research & Development Expense	42	43	41	44	44	45	45	47	51	50	54
Total Other Income / (Expense), net	-25	-21	-22	-23	-26	-29	-33	-26	-35	-42	-46
Interest Expense	24	24	26	27	29	29	31	33	40	42	45
Other Income / (Expense), net	-0.93	3.39	3.99	3.94	2.72	0.09	-1.25	7.37	5.19	-0.11	-1.86
Income Tax Expense	39	9.53	43	41	36	-2.40	50	55	47	34	92
Basic Earnings per Share	$4.08	$4.89	$5.23	$5.12	$5.54	$6.26	$6.67	$7.49	$6.48	$6.68	$11.19
Weighted Average Basic Shares Outstanding	24.99M	24.76M	24.82M	24.65M	24.68M	24.38M	24.39M	24.28M	24.24M	23.72M	23.63M
Diluted Earnings per Share	$4.01	$4.80	$5.16	$5.05	$5.44	$6.14	$6.59	$7.40	$6.41	$6.61	$11.14
Weighted Average Diluted Shares Outstanding	25.37M	25.22M	25.15M	25.02M	25.08M	24.83M	24.69M	24.58M	24.56M	23.96M	23.75M
Weighted Average Basic & Diluted Shares Outstanding	24.71M	24.85M	24.71M	24.52M	24.35M	24.42M	24.34M	24.00M	23.71M	23.72M	23.19M

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	2025
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	9/30/2025
Net Change in Cash & Equivalents	-19	-10	30	-16	16	51	38	-62	3.58	14	-17
Net Cash From Operating Activities	147	210	226	223	260	365	424	509	469	633	779
Net Cash From Continuing Operating Activities	147	210	226	223	260	365	424	509	469	633	779
Net Income / (Loss) Continuing Operations	87	109	133	126	192	236	392	374	429	513	652
Consolidated Net Income / (Loss)	87	109	133	126	192	236	392	374	429	513	652
Depreciation Expense	34	32	36	30	32	30	26	20	15	14	15
Non-Cash Adjustments To Reconcile Net Income	60	82	63	64	84	148	25	144	136	154	163
Changes in Operating Assets and Liabilities, net	-34	-13	-6.86	2.17	-48	-50	-19	-28	-111	-48	-51
Net Cash From Investing Activities	-82	-28	-21	-14	-43	-25	138	-5.67	-16	-28	-44
Net Cash From Continuing Investing Activities	-82	-28	-21	-14	-43	-25	138	-5.67	-16	-28	-44
Purchase of Property, Plant & Equipment	-25	-22	-20	-31	-24	-22	-7.57	-6.03	-4.24	-26	-39
Purchase of Investments	-	0.00	-0.78	-6.05	-6.40	-6.12	-9.04	-9.96	-11	-18	-6.50
Sale and/or Maturity of Investments	-	0.00	0.00	23	3.48	3.47	7.24	8.06	5.03	16	2.18
Other Investing Activities, net	0.08	0.04	-	0.00	0.00	0.06	-0.21	2.26	-6.13	0.00	0.00
Net Cash From Financing Activities	-72	-190	-181	-219	-200	-289	-524	-547	-455	-593	-750
Net Cash From Continuing Financing Activities	-72	-190	-181	-219	-200	-289	-524	-547	-455	-593	-750
Repayment of Debt	-187	-159	-156	-670	-169	-605	-260	-997	-402	-604	-1,389
Repurchase of Common Equity	-131	-138	-188	-343	-229	-235	-874	-1,104	-406	-822	-1,415
Issuance of Debt	249	122	190	827	229	613	682	1,589	407	947	2,225
Issuance of Common Equity	18	18	14	11	23	42	21	16	22	25	33
Other Financing Activities, net	-19	-30	-40	-44	-54	-105	-92	-51	-77	-139	-205
Effect of Exchange Rate Changes	-11	-2.83	5.28	-5.90	-1.14	-	-0.14	-19	5.62	1.84	-1.29
Cash Interest Paid	30	27	26	26	40	38	38	57	97	106	104
Cash Income Taxes Paid	34	11	31	13	19	10	71	65	153	134	162

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-26	24	-25	20	-5.38	34	-38	42	-55	28	57
Net Cash From Operating Activities	164	122	71	213	226	194	75	286	224	174	223
Net Cash From Continuing Operating Activities	164	122	71	213	226	194	76	286	224	174	223
Net Income / (Loss) Continuing Operations	101	121	130	126	136	153	163	182	155	158	264
Consolidated Net Income / (Loss)	101	121	130	126	136	153	163	182	155	158	264
Depreciation Expense	3.00	2.82	3.35	3.83	3.82	3.54	3.42	3.98	4.02	4.02	3.89
Non-Cash Adjustments To Reconcile Net Income	39	33	35	45	41	45	51	40	31	49	50
Changes in Operating Assets and Liabilities, net	21	-35	-97	38	46	-7.18	-138	61	33	-37	-95
Net Cash From Investing Activities	-2.98	-2.42	-9.62	-8.39	-7.56	-8.94	-11	-11	-13	-13	-8.41
Net Cash From Continuing Investing Activities	-2.98	-2.42	-9.62	-8.39	-7.56	-8.94	-11	-11	-13	-13	-8.41
Purchase of Property, Plant & Equipment	-1.07	-1.36	-9.42	-7.65	-7.12	-7.17	-9.43	-9.98	-13	-8.71	-9.04
Purchase of Investments	-1.98	-14	-2.60	-1.03	-0.51	-2.15	-2.63	-0.88	-0.83	-4.98	-4.53
Sale and/or Maturity of Investments	0.06	13	2.40	0.28	0.08	0.38	1.12	0.36	0.33	0.95	5.16
Net Cash From Financing Activities	-184	-100	-83	-182	-228	-144	-104	-239	-264	-133	-156
Net Cash From Continuing Financing Activities	-184	-100	-83	-182	-228	-144	-104	-239	-264	-133	-156
Repayment of Debt	-137	-71	-5.15	-464	-62	-64	-72	-1,253	-0.07	-120	-1,179
Repurchase of Common Equity	-120	-72	-172	-255	-324	-163	-217	-487	-548	-171	-605
Issuance of Debt	68	170	85	540	152	275	175	1,500	275	260	1,620
Issuance of Common Equity	6.58	4.50	10	0.74	9.33	3.26	13	5.85	11	2.13	13
Other Financing Activities, net	-1.23	-132	-1.88	-3.44	-3.30	-196	-2.41	-4.66	-1.41	-104	-4.22
Effect of Exchange Rate Changes	-3.55	3.81	-2.81	-2.80	3.65	-7.25	-	5.76	-1.72	0.03	-1.80
Cash Interest Paid	11	38	12	41	15	44	17	40	2.45	79	14
Cash Income Taxes Paid	46	4.93	49	44	36	22	70	37	33	9.10	111

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	2025
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	9/30/2025
Total Assets	1,230	1,221	1,256	1,330	1,606	1,606	1,568	1,442	1,575	1,718	1,868
Total Current Assets	287	268	311	396	534	534	551	485	556	617	705
Cash & Equivalents	86	76	106	90	157	157	195	133	137	151	134
Accounts Receivable	159	168	169	267	334	334	312	322	388	427	529
Prepaid Expenses	42	24	37	40	43	43	44	29	32	40	42
Plant, Property, & Equipment, net	38	45	41	49	46	46	28	18	11	0.00	0.00
Total Noncurrent Assets	905	908	904	885	1,026	1,025	989	940	1,008	1,100	1,163
Long-Term Investments	21	22	26	20	27	26	33	26	33	45	55
Goodwill	815	798	804	801	812	812	788	761	773	783	783
Noncurrent Deferred & Refundable Income Taxes	15	48	47	14	15	15	21	12	59	87	119
Other Noncurrent Operating Assets	7.56	6.35	5.67	36	163	163	143	139	141	186	206
Total Liabilities & Shareholders' Equity	1,230	1,221	1,256	1,330	1,606	1,606	1,568	1,442	1,575	1,718	1,868
Total Liabilities	793	774	829	1,043	1,275	1,275	1,679	2,244	2,263	2,681	3,614
Total Current Liabilities	244	246	327	474	415	415	559	331	368	380	849
Short-Term Debt	92	77	142	235	95	95	250	30	50	15	400
Accounts Payable	20	23	20	20	23	23	21	17	19	22	32
Accrued Expenses	31	28	32	31	63	63	80	66	59	80	115
Current Deferred Revenue	47	47	55	103	115	115	105	120	137	157	187
Current Employee Benefit Liabilities	54	71	78	84	118	118	104	98	102	106	115
Total Noncurrent Liabilities	549	528	502	569	861	861	1,120	1,913	1,896	2,300	2,765
Long-Term Debt	549	528	502	569	739	739	1,009	1,824	1,812	2,194	2,656
Other Noncurrent Operating Liabilities	-	-	-	-	121	121	110	89	84	106	109
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	437	447	427	287	331	331	-111	-802	-688	-963	-1,746
Total Preferred & Common Equity	437	447	427	287	331	331	-111	-802	-688	-963	-1,746
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	437	447	427	287	331	331	-111	-802	-688	-963	-1,746
Common Stock	1,153	1,189	1,196	1,211	1,219	1,219	1,238	1,300	1,351	1,367	1,331
Retained Earnings	1,368	1,471	1,598	1,765	2,193	2,193	2,585	2,959	3,388	3,901	4,553
Treasury Stock	-2,034	-2,137	-2,301	-2,612	-2,998	-2,998	-3,858	-4,936	-5,325	-6,139	-7,538
Accumulated Other Comprehensive Income / (Loss)	-51	-77	-66	-76	-83	-83	-76	-125	-102	-92	-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	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	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	12/31/2025	3/31/2026
Total Assets	1,585	1,575	1,594	1,703	1,709	1,718	1,707	1,836	1,862	1,854	2,048
Total Current Assets	575	556	565	641	631	617	596	725	710	699	901
Cash & Equivalents	163	137	160	136	156	151	184	147	189	162	219
Accounts Receivable	384	388	367	469	438	427	351	493	454	495	620
Prepaid Expenses	28	32	37	37	37	40	61	86	67	42	61
Plant, Property, & Equipment, net	0.00	11	0.00	0.00	0.00	0.00	0.00	0.00	60	74	0.00
Total Noncurrent Assets	1,010	1,008	1,028	1,062	1,078	1,100	1,111	1,111	1,092	1,082	1,147
Long-Term Investments	33	33	38	43	44	45	46	45	51	56	53
Goodwill	777	773	777	776	777	783	776	779	785	784	781
Noncurrent Deferred & Refundable Income Taxes	50	59	64	72	78	87	93	100	106	111	103
Other Noncurrent Operating Assets	148	141	148	170	179	186	196	186	150	131	210
Total Liabilities & Shareholders' Equity	1,585	1,575	1,594	1,703	1,709	1,718	1,707	1,836	1,862	1,854	2,048
Total Liabilities	2,289	2,263	2,319	2,439	2,538	2,681	2,845	2,960	3,259	3,662	4,150
Total Current Liabilities	393	368	433	315	337	380	331	343	771	752	405
Short-Term Debt	115	50	153	15	15	15	15	15	399	400	0.00
Accounts Payable	17	19	19	19	22	22	23	24	29	27	36
Accrued Expenses	50	59	46	69	58	80	51	56	74	76	99
Current Deferred Revenue	127	137	147	144	149	157	165	172	172	173	183
Current Employee Benefit Liabilities	84	102	68	69	93	106	77	77	96	77	87
Total Noncurrent Liabilities	1,896	1,896	1,886	2,124	2,201	2,300	2,513	2,617	2,489	2,910	3,745
Long-Term Debt	1,815	1,812	1,809	2,029	2,105	2,194	2,406	2,513	2,380	2,797	3,639
Other Noncurrent Operating Liabilities	81	84	78	95	96	106	107	103	109	113	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	-704	-688	-726	-736	-829	-963	-1,138	-1,124	-1,397	-1,808	-2,102
Total Preferred & Common Equity	-704	-688	-726	-736	-829	-963	-1,138	-1,124	-1,397	-1,808	-2,102
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	-704	-688	-726	-736	-829	-963	-1,138	-1,124	-1,397	-1,808	-2,102
Common Stock	1,313	1,351	1,239	1,282	1,321	1,367	1,202	1,252	1,292	1,262	1,317
Retained Earnings	3,287	3,388	3,509	3,639	3,765	3,901	4,053	4,216	4,398	4,711	4,976
Treasury Stock	-5,209	-5,325	-5,381	-5,559	-5,814	-6,139	-6,286	-6,491	-6,999	-7,689	-8,299
Accumulated Other Comprehensive Income / (Loss)	-95	-102	-93	-98	-102	-92	-108	-101	-88	-92	-96

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	2025
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	9/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.31%	5.08%	6.08%	6.97%	15.99%	11.59%	1.70%	4.61%	9.90%	13.48%	15.91%
EBITDA Growth	-11.34%	17.74%	7.62%	0.06%	31.59%	14.65%	63.51%	4.07%	18.38%	14.72%	24.91%
EBIT Growth	-14.41%	23.71%	6.35%	3.39%	35.90%	16.95%	71.55%	5.27%	20.16%	15.17%	25.22%
NOPAT Growth	-5.61%	17.91%	21.12%	-9.11%	59.51%	20.76%	53.86%	2.63%	15.97%	17.53%	28.20%
Net Income Growth	-8.83%	26.53%	21.90%	-5.20%	51.90%	23.05%	65.85%	-4.73%	14.95%	19.43%	27.13%
EPS Growth	-2.57%	27.92%	22.12%	-1.93%	56.16%	24.61%	69.62%	5.82%	19.39%	20.79%	29.78%
Operating Cash Flow Growth	-16.15%	43.26%	7.31%	-1.15%	16.72%	40.16%	16.14%	20.21%	-7.96%	34.98%	23.04%
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%	26.14%
Invested Capital Growth	8.44%	-1.84%	-1.46%	4.46%	0.46%	-0.48%	-6.32%	-2.90%	12.43%	4.63%	6.74%
Revenue Q/Q Growth	1.35%	0.35%	2.21%	30.35%	-38.43%	88.97%	-2.93%	1.04%	2.78%	3.88%	3.21%
EBITDA Q/Q Growth	-6.00%	2.06%	10.73%	-3.52%	4.50%	4.59%	5.54%	3.15%	4.60%	4.95%	4.69%
EBIT Q/Q Growth	-6.96%	2.02%	12.95%	-3.61%	5.07%	5.47%	6.12%	3.45%	4.98%	4.93%	4.75%
NOPAT Q/Q Growth	-2.19%	-1.62%	8.55%	-12.20%	17.13%	0.98%	6.98%	3.32%	2.52%	6.57%	3.54%
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%	3.05%
EPS Q/Q Growth	-2.21%	-0.59%	11.29%	-7.94%	13.01%	2.46%	8.06%	3.96%	2.92%	7.52%	3.79%
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%	-0.36%
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%	0.99%
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%	-1.85%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	69.24%	68.71%	70.96%	72.10%	74.75%	78.06%	79.45%	79.73%	82.23%
EBITDA Margin	20.54%	23.01%	23.35%	21.84%	24.78%	25.46%	40.93%	40.71%	43.86%	44.34%	47.78%
Operating Margin	16.39%	19.24%	19.48%	17.53%	21.86%	22.86%	38.40%	39.38%	42.47%	42.71%	46.45%
EBIT Margin	16.50%	19.42%	19.47%	18.82%	22.05%	23.11%	38.98%	39.23%	42.89%	43.53%	47.03%
Profit (Net Income) Margin	10.31%	12.42%	14.27%	12.65%	16.56%	18.26%	29.78%	27.12%	28.37%	29.86%	32.75%
Tax Burden Percent	79.19%	75.71%	85.37%	80.60%	88.92%	91.99%	82.87%	79.26%	77.56%	79.87%	81.23%
Interest Burden Percent	78.94%	84.44%	85.84%	83.37%	84.46%	85.90%	92.19%	87.23%	85.28%	85.87%	85.73%
Effective Tax Rate	20.81%	24.29%	14.63%	19.40%	11.08%	8.01%	17.13%	20.74%	22.44%	20.13%	18.77%
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%	69.19%
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%	65.12%
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%	-117.33%
Return on Equity (ROE)	19.40%	24.77%	30.55%	35.43%	66.57%	76.16%	356.21%	-81.84%	-57.64%	-62.13%	-48.14%
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%	62.67%
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%	52.22%
Return on Assets (ROA)	7.14%	8.93%	10.78%	9.78%	13.90%	15.56%	24.71%	24.82%	28.46%	31.14%	36.36%
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%	-48.14%
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%	0.00%
Net Operating Profit after Tax (NOPAT)	109	128	156	141	225	272	419	430	499	586	751
NOPAT Margin	12.98%	14.57%	16.63%	14.13%	19.43%	21.03%	31.82%	31.21%	32.94%	34.12%	37.74%
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%	4.07%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	-	-	57.35%
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%	17.77%
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%	25.77%
R&D to Revenue	11.78%	11.76%	11.86%	12.84%	12.89%	12.86%	13.01%	10.66%	10.57%	10.01%	9.46%
Operating Expenses to Revenue	83.61%	80.76%	49.76%	51.18%	49.11%	49.24%	36.35%	38.68%	36.98%	37.01%	35.78%
Earnings before Interest and Taxes (EBIT)	138	171	182	188	256	299	513	540	649	748	936
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	172	203	218	218	287	330	539	561	664	761	951
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	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)	3.13	4.36	4.60	6.66	7.56	9.53	8.58	7.55	14.26	27.74	18.04
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	55.10
Dividend Yield	0.09%	0.06%	0.06%	0.00%	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%	1.81%
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	34.60
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	19.48
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	40.78
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	41.43
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	51.63
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	49.81
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	57.00
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	-1.75
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	-1.52
Financial Leverage	1.09	1.18	1.17	1.69	2.41	2.17	7.64	-2.99	-2.27	-2.24	-1.80
Leverage Ratio	2.72	2.77	2.84	3.62	4.79	4.90	14.42	-3.30	-2.03	-2.00	-1.32
Compound Leverage Factor	2.14	2.34	2.43	3.02	4.04	4.21	13.29	-2.88	-1.73	-1.71	-1.14
Debt to Total Capital	59.47%	57.51%	60.17%	73.67%	74.00%	71.59%	109.66%	176.25%	158.62%	177.24%	233.28%
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%	30.50%
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%	202.77%
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	40.53%	42.49%	39.83%	26.33%	26.00%	28.41%	-9.66%	-76.25%	-58.62%	-77.24%	-133.28%
Debt to EBITDA	3.72	2.98	2.95	3.68	2.87	2.53	2.34	3.31	2.80	2.90	3.21
Net Debt to EBITDA	3.10	2.50	2.35	3.18	2.42	1.98	1.91	3.02	2.55	2.64	3.01
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	2.79
Debt to NOPAT	5.89	4.71	4.14	5.69	3.66	3.06	3.01	4.31	3.73	3.77	4.07
Net Debt to NOPAT	4.91	3.95	3.30	4.91	3.09	2.39	2.46	3.94	3.39	3.44	3.82
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	3.54
Altman Z-Score	4.64	5.87	6.10	6.84	7.88	9.23	8.26	7.97	11.20	16.45	12.00
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	1.18	1.09	0.95	0.84	0.93	1.29	0.99	1.46	1.51	1.62	0.83
Quick Ratio	1.00	0.99	0.84	0.75	0.82	1.19	0.91	1.37	1.43	1.52	0.78
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	33	146	169	99	221	277	481	457	388	539	680
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%	1,976.32%
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	5.09
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	5.83
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	5.53
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.69	0.72	0.76	0.77	0.84	0.85	0.83	0.92	1.00	1.04	1.11
Accounts Receivable Turnover	5.34	5.40	5.56	4.59	4.11	4.10	4.07	4.34	4.26	4.22	4.17
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	22.40	21.15	21.79	22.34	22.78	26.04	35.42	60.55	106.04	69.49	0.00
Accounts Payable Turnover	0.00	0.00	13.55	15.74	15.53	15.65	15.19	15.89	17.15	16.79	12.91
Days Sales Outstanding (DSO)	68.33	67.62	65.66	79.44	88.75	89.04	89.59	84.08	85.65	86.56	87.62
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)	0.00	0.00	26.94	23.19	23.50	23.32	24.03	22.96	21.29	21.74	28.27
Cash Conversion Cycle (CCC)	68.33	67.62	38.71	56.24	65.26	65.72	65.56	61.12	64.37	64.81	59.35
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	972	954	940	982	986	982	920	893	1,004	1,050	1,121
Invested Capital Turnover	0.90	0.92	0.99	1.04	1.18	1.32	1.39	1.52	1.60	1.67	1.83
Increase / (Decrease) in Invested Capital	76	-18	-14	42	4.48	-4.72	-62	-27	111	47	71
Enterprise Value (EV)	3,163	4,350	4,817	7,355	9,467	12,987	12,327	12,099	23,281	49,665	38,789
Market Capitalization	2,628	3,843	4,304	6,661	8,771	12,336	11,296	10,404	21,589	47,652	35,922
Book Value per Share	$14.03	$14.48	$13.93	$9.86	$10.03	$11.42	($3.91)	($31.76)	($27.54)	($39.26)	($72.73)
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)	($105.36)
Total Capital	1,078	1,052	1,071	1,092	1,115	1,166	1,148	1,052	1,174	1,246	1,310
Total Debt	641	605	644	804	825	834	1,259	1,854	1,862	2,209	3,056
Total Long-Term Debt	549	528	502	569	607	739	1,009	1,824	1,812	2,194	2,656
Net Debt	535	507	513	694	696	652	1,030	1,695	1,692	2,013	2,867
Capital Expenditures (CapEx)	25	22	20	31	24	22	-140	6.03	4.24	26	39
Debt-free, Cash-free Net Working Capital (DFCFNWC)	49	23	21	67	76	57	46	50	102	101	121
Debt-free Net Working Capital (DFNWC)	135	99	126	157	183	215	242	183	239	252	255
Net Working Capital (NWC)	43	22	-16	-78	-35	120	-8.23	153	189	237	-144
Net Nonoperating Expense (NNE)	22	19	22	15	33	36	27	56	69	73	99
Net Nonoperating Obligations (NNO)	535	507	513	694	696	650	1,030	1,695	1,692	2,013	2,867
Total Depreciation and Amortization (D&A)	34	32	36	30	32	30	26	20	15	14	15
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%	6.10%
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%	12.83%
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%	-7.24%
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	$26.90
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	24.24M
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	$26.54
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	24.56M
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	31.08M	30.94M	29.99M	28.96M	0.00	0.00	27.36M	24.98M	24.71M	24.35M	23.71M
Normalized Net Operating Profit after Tax (NOPAT)	123	128	159	141	225	314	425	430	499	586	760
Normalized NOPAT Margin	14.70%	14.57%	17.04%	14.13%	19.43%	24.23%	32.32%	31.21%	32.94%	34.12%	38.18%
Pre Tax Income Margin	13.02%	16.40%	16.72%	15.69%	18.63%	19.85%	35.94%	34.22%	36.58%	37.38%	40.31%
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	7.01
NOPAT to Interest Expense	3.74	4.82	6.03	4.51	5.67	6.46	10.45	6.23	5.22	5.55	5.62
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	6.71
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	5.33
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%	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%	216.97%

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

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	23,722,134.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	23,722,134.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	11.15
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	11.75%	10.78%	14.08%	12.33%	16.44%	15.16%	14.97%	19.78%	13.65%	16.36%	38.69%
EBITDA Growth	21.05%	8.69%	22.25%	6.65%	21.43%	18.03%	22.57%	38.30%	20.94%	29.92%	63.23%
EBIT Growth	23.01%	9.98%	23.21%	6.50%	21.32%	16.07%	22.92%	38.99%	21.23%	30.24%	63.92%
NOPAT Growth	11.22%	20.73%	24.06%	-0.62%	30.48%	29.99%	28.08%	40.27%	16.31%	5.88%	59.42%
Net Income Growth	11.82%	23.99%	27.82%	-1.94%	33.79%	25.99%	25.28%	43.98%	14.24%	3.83%	62.63%
EPS Growth	13.60%	25.00%	29.00%	-0.59%	35.66%	27.92%	27.71%	46.53%	17.83%	7.65%	69.04%
Operating Cash Flow Growth	13.27%	32.11%	-20.90%	73.97%	38.06%	58.86%	5.47%	34.17%	-1.24%	-10.27%	198.14%
Free Cash Flow Firm Growth	-93.56%	-13.41%	-96.45%	92.99%	1,168.79%	207.70%	5,072.41%	81.63%	1.11%	-55.01%	134.13%
Invested Capital Growth	12.43%	9.05%	14.65%	5.95%	4.63%	1.49%	7.30%	4.75%	6.74%	11.21%	4.36%
Revenue Q/Q Growth	-2.25%	-1.97%	13.55%	3.24%	1.33%	-3.05%	13.36%	7.56%	-3.85%	-0.74%	35.10%
EBITDA Q/Q Growth	-9.65%	-6.07%	28.31%	-2.06%	2.88%	-8.70%	33.24%	10.52%	-10.04%	-3.41%	69.99%
EBIT Q/Q Growth	-9.63%	-6.08%	28.48%	-2.33%	2.94%	-10.15%	36.06%	10.43%	-10.21%	-3.47%	71.25%
NOPAT Q/Q Growth	-17.18%	17.28%	4.34%	-1.95%	8.74%	16.84%	2.81%	7.38%	-9.83%	6.36%	54.79%
Net Income Q/Q Growth	-21.23%	19.37%	7.21%	-2.73%	7.47%	12.41%	6.61%	11.79%	-14.73%	2.17%	66.98%
EPS Q/Q Growth	-21.06%	19.70%	7.50%	-2.13%	7.72%	12.87%	7.33%	12.29%	-13.38%	3.12%	68.53%
Operating Cash Flow Q/Q Growth	33.78%	-25.56%	-41.83%	200.32%	6.16%	-14.34%	-61.38%	282.05%	-21.86%	-22.17%	28.31%
Free Cash Flow Firm Q/Q Growth	-79.76%	527.89%	-96.25%	3,953.19%	33.07%	52.27%	-37.02%	42.33%	-25.92%	-32.24%	227.73%
Invested Capital Q/Q Growth	-2.48%	3.33%	8.91%	-3.46%	-3.68%	0.23%	15.13%	-5.75%	-1.85%	4.43%	8.04%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	78.75%	78.15%	79.96%	80.30%	80.26%	80.15%	82.43%	83.67%	82.32%	82.96%	86.81%
EBITDA Margin	43.05%	41.24%	46.61%	44.22%	44.89%	42.27%	49.69%	51.06%	47.77%	46.48%	58.48%
Operating Margin	42.52%	39.62%	44.91%	42.48%	43.45%	40.80%	49.25%	48.94%	45.98%	45.72%	58.19%
EBIT Margin	42.28%	40.50%	45.83%	43.36%	44.05%	40.83%	49.00%	50.31%	46.99%	45.69%	57.92%
Profit (Net Income) Margin	26.02%	31.69%	29.92%	28.19%	29.90%	34.67%	32.61%	33.89%	30.06%	30.93%	38.23%
Tax Burden Percent	72.21%	92.71%	75.14%	75.46%	79.17%	101.60%	76.34%	76.71%	76.57%	82.52%	74.28%
Interest Burden Percent	85.25%	84.39%	86.88%	86.16%	85.74%	83.58%	87.16%	87.81%	83.54%	82.04%	88.87%
Effective Tax Rate	27.79%	7.29%	24.86%	24.54%	20.83%	-1.60%	23.66%	23.29%	23.43%	17.48%	25.72%
Return on Invested Capital (ROIC)	48.99%	57.29%	51.20%	50.00%	57.52%	70.43%	59.10%	64.86%	64.56%	69.99%	78.72%
ROIC Less NNEP Spread (ROIC-NNEP)	47.92%	56.19%	50.28%	49.06%	56.42%	68.92%	57.91%	63.98%	63.47%	68.65%	77.51%
Return on Net Nonoperating Assets (RNNOA)	-108.92%	-129.32%	-120.88%	-116.88%	-126.64%	-146.21%	-130.84%	-128.14%	-114.35%	-120.46%	-137.03%
Return on Equity (ROE)	-59.93%	-72.03%	-69.68%	-66.88%	-69.11%	-75.77%	-71.74%	-63.28%	-49.80%	-50.46%	-58.31%
Cash Return on Invested Capital (CROIC)	40.87%	43.93%	38.44%	46.10%	52.52%	58.49%	50.03%	60.35%	62.67%	58.01%	66.31%
Operating Return on Assets (OROA)	42.41%	41.16%	45.88%	43.54%	45.95%	43.93%	50.97%	54.36%	52.17%	52.94%	67.28%
Return on Assets (ROA)	26.11%	32.20%	29.95%	28.31%	31.19%	37.30%	33.91%	36.61%	33.37%	35.84%	44.41%
Return on Common Equity (ROCE)	-59.93%	-72.03%	-69.68%	-66.88%	-69.11%	-75.77%	-71.74%	-63.28%	-49.80%	-50.46%	-58.31%
Return on Equity Simple (ROE_SIMPLE)	0.00%	-62.39%	-65.39%	-57.70%	0.00%	-47.82%	-51.34%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	120	140	146	144	156	182	188	201	182	193	299
NOPAT Margin	30.70%	36.73%	33.75%	32.06%	34.40%	41.46%	37.60%	37.54%	35.21%	37.72%	43.22%
Net Nonoperating Expense Percent (NNEP)	1.08%	1.10%	0.92%	0.95%	1.10%	1.51%	1.19%	0.88%	1.09%	1.34%	1.21%
Return On Investment Capital (ROIC_SIMPLE)	-	11.35%	-	-	-	14.22%	13.36%	14.57%	13.86%	13.91%	19.45%
Cost of Revenue to Revenue	21.25%	21.85%	20.04%	19.70%	19.74%	19.85%	17.57%	16.33%	17.68%	17.04%	13.19%
SG&A Expenses to Revenue	25.49%	27.31%	25.56%	27.88%	27.05%	29.08%	24.15%	25.93%	24.34%	27.49%	20.83%
R&D to Revenue	10.67%	11.16%	9.42%	9.87%	9.74%	10.26%	9.03%	8.80%	9.88%	9.75%	7.80%
Operating Expenses to Revenue	36.23%	38.54%	35.04%	37.82%	36.81%	39.34%	33.18%	34.74%	36.34%	37.24%	28.63%
Earnings before Interest and Taxes (EBIT)	165	155	199	194	200	180	244	270	242	234	401
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	168	158	202	198	204	186	248	274	246	238	404
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)	14.26	18.55	19.36	22.25	27.74	27.30	24.47	23.07	18.04	19.43	11.23
Price to Earnings (P/E)	50.28	63.53	64.56	76.87	92.92	89.06	78.03	70.34	55.10	60.94	33.34
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	1.99%	1.57%	1.55%	1.30%	1.08%	1.12%	1.28%	1.42%	1.81%	1.64%	3.00%
Enterprise Value to Invested Capital (EV/IC)	23.19	29.43	29.14	35.49	47.28	48.13	39.08	41.17	34.60	36.78	22.68
Enterprise Value to Revenue (EV/Rev)	15.38	19.69	20.52	23.41	28.92	28.54	25.74	24.38	19.48	20.87	12.72
Enterprise Value to EBITDA (EV/EBITDA)	35.07	45.14	46.16	53.35	65.22	64.37	56.88	51.77	40.78	42.81	24.68
Enterprise Value to EBIT (EV/EBIT)	35.86	46.03	46.98	54.32	66.43	65.58	57.90	52.62	41.43	43.47	25.02
Enterprise Value to NOPAT (EV/NOPAT)	46.70	58.40	59.76	70.40	84.76	80.84	70.89	64.83	51.63	56.44	32.82
Enterprise Value to Operating Cash Flow (EV/OCF)	49.65	61.23	68.61	67.84	78.46	71.88	66.83	60.18	49.81	56.74	31.62
Enterprise Value to Free Cash Flow (EV/FCFF)	60.07	69.91	80.98	79.21	92.06	82.89	80.87	69.81	57.00	66.77	34.94
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	-2.71	-2.70	-2.78	-2.56	-2.29	-2.13	-2.25	-1.99	-1.75	-1.77	-1.73
Long-Term Debt to Equity	-2.63	-2.49	-2.76	-2.54	-2.28	-2.11	-2.24	-1.70	-1.52	-1.55	-1.73
Financial Leverage	-2.27	-2.30	-2.40	-2.38	-2.24	-2.12	-2.26	-2.00	-1.80	-1.75	-1.77
Leverage Ratio	-2.03	-2.00	-2.13	-2.15	-2.00	-1.77	-1.90	-1.60	-1.32	-1.21	-1.20
Compound Leverage Factor	-1.73	-1.69	-1.85	-1.85	-1.71	-1.48	-1.66	-1.41	-1.11	-0.99	-1.07
Debt to Total Capital	158.62%	158.72%	156.24%	164.26%	177.24%	188.72%	180.05%	201.11%	233.28%	230.20%	236.70%
Short-Term Debt to Total Capital	4.26%	12.38%	1.15%	1.16%	1.20%	1.17%	1.07%	28.89%	30.50%	28.79%	0.00%
Long-Term Debt to Total Capital	154.36%	146.34%	155.10%	163.09%	176.04%	187.55%	178.99%	172.22%	202.77%	201.42%	236.70%
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	-58.62%	-58.72%	-56.24%	-64.26%	-77.24%	-88.72%	-80.05%	-101.11%	-133.28%	-130.20%	-136.70%
Debt to EBITDA	2.80	2.90	2.87	2.92	2.90	3.08	3.04	3.06	3.21	3.18	3.13
Net Debt to EBITDA	2.55	2.61	2.62	2.65	2.64	2.78	2.81	2.80	3.01	2.96	2.90
Long-Term Debt to EBITDA	2.73	2.67	2.84	2.90	2.88	3.06	3.02	2.62	2.79	2.78	3.13
Debt to NOPAT	3.73	3.75	3.71	3.86	3.77	3.86	3.78	3.83	4.07	4.19	4.16
Net Debt to NOPAT	3.39	3.37	3.39	3.49	3.44	3.50	3.50	3.50	3.82	3.90	3.85
Long-Term Debt to NOPAT	3.63	3.46	3.68	3.83	3.74	3.84	3.76	3.28	3.54	3.67	4.16
Altman Z-Score	10.18	11.92	12.19	13.33	15.39	15.12	14.04	12.97	10.78	11.62	9.10
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	1.51	1.31	2.04	1.87	1.62	1.80	2.11	0.92	0.83	0.93	2.22
Quick Ratio	1.43	1.22	1.92	1.76	1.52	1.62	1.86	0.83	0.78	0.87	2.07
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	8.64	54	2.03	82	110	167	105	150	111	75	246
Operating Cash Flow to CapEx	15,360.39%	8,972.81%	753.93%	2,790.46%	3,179.53%	2,705.30%	794.72%	2,866.82%	1,744.01%	1,999.56%	2,470.23%
Free Cash Flow to Firm to Interest Expense	0.36	2.24	0.08	3.07	3.84	5.66	3.35	4.55	2.78	1.79	5.52
Operating Cash Flow to Interest Expense	6.75	5.05	2.72	7.94	7.94	6.58	2.39	8.70	5.61	4.14	5.01
Operating Cash Flow Less CapEx to Interest Expense	6.71	5.00	2.36	7.66	7.69	6.34	2.09	8.40	5.29	3.94	4.81
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	1.00	1.02	1.00	1.00	1.04	1.08	1.04	1.08	1.11	1.16	1.16
Accounts Receivable Turnover	4.26	4.59	3.97	4.02	4.22	4.94	3.83	4.33	4.17	4.88	4.06
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	106.04	0.00	0.00	0.00	69.49	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover	17.15	17.95	19.85	17.39	16.79	16.86	16.45	13.59	12.91	14.22	11.83
Days Sales Outstanding (DSO)	85.65	79.52	91.83	90.69	86.56	73.85	95.35	84.37	87.62	74.85	90.00
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)	21.29	20.33	18.39	20.99	21.74	21.65	22.19	26.86	28.27	25.68	30.86
Cash Conversion Cycle (CCC)	64.37	59.19	73.45	69.70	64.81	52.19	73.16	57.51	59.35	49.17	59.15
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,004	1,037	1,130	1,091	1,050	1,053	1,212	1,142	1,121	1,171	1,265
Invested Capital Turnover	1.60	1.56	1.52	1.56	1.67	1.70	1.57	1.73	1.83	1.86	1.82
Increase / (Decrease) in Invested Capital	111	86	144	61	47	16	82	52	71	118	53
Enterprise Value (EV)	23,281	30,530	32,921	38,706	49,665	50,666	47,367	47,035	38,789	43,062	28,691
Market Capitalization	21,589	28,767	31,055	36,786	47,652	48,475	45,031	44,496	35,922	40,083	25,324
Book Value per Share	($27.54)	($29.37)	($29.60)	($33.56)	($39.26)	($46.75)	($46.03)	($57.41)	($72.73)	($76.26)	($88.59)
Tangible Book Value per Share	($58.52)	($60.84)	($60.86)	($65.00)	($71.19)	($78.60)	($77.95)	($89.68)	($105.36)	($109.31)	($121.53)
Total Capital	1,174	1,236	1,308	1,291	1,246	1,283	1,404	1,382	1,310	1,389	1,537
Total Debt	1,862	1,962	2,044	2,120	2,209	2,421	2,528	2,780	3,056	3,197	3,639
Total Long-Term Debt	1,812	1,809	2,029	2,105	2,194	2,406	2,513	2,380	2,656	2,797	3,639
Net Debt	1,692	1,763	1,865	1,920	2,013	2,191	2,336	2,540	2,867	2,979	3,367
Capital Expenditures (CapEx)	1.07	1.36	9.42	7.65	7.12	7.17	9.43	9.98	13	8.71	9.04
Debt-free, Cash-free Net Working Capital (DFCFNWC)	102	125	206	153	101	95	250	150	121	184	276
Debt-free Net Working Capital (DFNWC)	239	285	341	309	252	280	397	339	255	346	495
Net Working Capital (NWC)	189	132	326	294	237	265	382	-61	-144	-53	495
Net Nonoperating Expense (NNE)	18	19	17	17	20	30	25	20	27	35	34
Net Nonoperating Obligations (NNO)	1,692	1,763	1,865	1,920	2,013	2,191	2,336	2,540	2,867	2,979	3,367
Total Depreciation and Amortization (D&A)	3.00	2.82	3.35	3.83	3.82	6.38	3.42	3.98	4.02	4.02	3.89
Debt-free, Cash-free Net Working Capital to Revenue	6.74%	8.04%	12.82%	9.25%	5.91%	5.37%	13.59%	7.75%	6.10%	8.94%	12.24%
Debt-free Net Working Capital to Revenue	15.77%	18.39%	21.28%	18.68%	14.68%	15.74%	21.55%	17.55%	12.83%	16.80%	21.96%
Net Working Capital to Revenue	12.47%	8.52%	20.34%	17.78%	13.81%	14.90%	20.74%	-3.15%	-7.24%	-2.58%	21.96%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$4.08	$4.89	$5.23	$5.12	$5.54	$6.26	$6.67	$7.49	$6.48	$6.68	$11.19
Adjusted Weighted Average Basic Shares Outstanding	24.99M	24.76M	24.82M	24.65M	24.68M	24.38M	24.39M	24.28M	24.24M	23.72M	23.63M
Adjusted Diluted Earnings per Share	$4.01	$4.80	$5.16	$5.05	$5.44	$6.14	$6.59	$7.40	$6.41	$6.61	$11.14
Adjusted Weighted Average Diluted Shares Outstanding	25.37M	25.22M	25.15M	25.02M	25.08M	24.83M	24.69M	24.58M	24.56M	23.96M	23.75M
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	24.71M	24.85M	24.71M	24.52M	24.35M	24.42M	24.34M	24.00M	23.71M	23.72M	23.19M
Normalized Net Operating Profit after Tax (NOPAT)	120	140	146	144	156	126	188	201	182	193	299
Normalized NOPAT Margin	30.70%	36.73%	33.75%	32.06%	34.40%	28.56%	37.60%	37.54%	35.21%	37.72%	43.22%
Pre Tax Income Margin	36.04%	34.18%	39.82%	37.36%	37.77%	34.12%	42.71%	44.18%	39.26%	37.49%	51.47%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.78	6.40	7.62	7.23	7.01	6.09	7.79	8.20	6.08	5.57	8.99
NOPAT to Interest Expense	4.92	5.81	5.61	5.34	5.47	6.19	5.98	6.12	4.55	4.60	6.71
EBIT Less CapEx to Interest Expense	6.74	6.35	7.26	6.94	6.76	5.85	7.49	7.90	5.75	5.36	8.78
NOPAT Less CapEx to Interest Expense	4.88	5.75	5.25	5.06	5.23	5.94	5.68	5.82	4.23	4.39	6.50
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	94.45%	88.83%	96.60%	129.25%	160.23%	167.67%	166.00%	188.11%	216.97%	216.34%	238.45%

Financials Breakdown Chart

Key Financial Trends

Here are MarketBeat’s key takeaways from Fair Isaac (FICO) using the latest four years of quarterly cash flow statements, income statements, and balance sheets. The bullets highlight the most important trends for retail investors to consider.

Strong profitability margins: gross margins have stayed in the ~82–83% range across recent quarters (e.g., Q1 2026 gross profit $424.7M on $511.96M revenue ≈ 83%), and net margins have generally hovered around 31–33% (e.g., Q3 2025 net income $181.8M on $536.4M revenue ≈ 33.9%).
Revenue remains steady near $0.5B per quarter: quarterly operating revenue typically around $0.5B, with a peak in Q3 2025 at $536.4M and Q4 2025 around $515.8M.
Robust operating cash flow supports returns: net cash from continuing operating activities has been strong, with recent quarters ranging roughly from $76M to $286M, contributing to healthy overall cash generation (e.g., Q3 2025 ≈ $286.2M; Q4 2025 ≈ $223.7M; Q1 2026 ≈ $174.1M).
Consistent earnings per share along with solid EPS: diluted and basic EPS have remained strong in recent quarters (e.g., Q3 2025 diluted EPS $7.40; Q4 2025 diluted EPS $6.41; Q1 2026 diluted EPS $6.61; basic EPS in the same ballpark).
Notable capital returns via share repurchases: the company has deployed meaningful cash to buy back common equity in recent years (for example, large repurchases in late 2024 and in 2025, with quarterly buybacks around the half‑billion level in some periods).
Debt issuance and repayments are volatile: financing activity shows sizable debt issuances in some quarters (e.g., up to about $1.75B in Q2 2025, $1.50B in Q3 2025) and smaller issuances or repayments in others (e.g., Q4 2025 around $275M; Q1 2026 around $260M). This variability suggests opportunistic debt management rather than a single, steady pattern.
Balance sheet includes substantial goodwill and intangible assets: goodwill and other noncurrent assets are sizeable across periods, contributing to a rich asset base but also influencing equity dynamics in some quarters.
Working capital fluctuations contribute to cash flow variability: changes in operating assets and liabilities have swung quarterly cash flow, affecting the timing of cash generation even when profitability is solid.
Equity position can look weak on paper: in several quarters, total common equity and even total equity are negative due to treasury stock and balance-sheet composition, raising questions about book value resilience if earnings decline.
Financing activity can pressure cash due to buybacks and debt service: persistent outflows from financing activities (e.g., large stock repurchases and debt service) have weighed on cash, potentially limiting liquidity flexibility in tougher periods.

05/20/26 04:35 PM ETAI Generated. May Contain Errors.

Fair Isaac Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Fair Isaac's financial year ends in September. Their financial year 2025 ended on September 30, 2025.

Fair Isaac's net income appears to be on an upward trend, with a most recent value of $651.95 million in 2025, rising from $86.50 million in 2015. The previous period was $512.81 million in 2024. View Fair Isaac's forecast to see where analysts expect Fair Isaac to go next.

Fair Isaac's total operating income in 2025 was $924.85 million, based on the following breakdown:

Total Gross Profit: $1.64 billion
Total Operating Expenses: $712.30 million

Over the last 10 years, Fair Isaac's total revenue changed from $838.78 million in 2015 to $1.99 billion in 2025, a change of 137.4%.

Fair Isaac's total liabilities were at $3.61 billion at the end of 2025, a 34.8% increase from 2024, and a 355.6% increase since 2015.

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 $134.14 million as of their latest financial filing in 2025.

Over the last 10 years, Fair Isaac's book value per share changed from 14.03 in 2015 to -72.73 in 2025, a change of -618.2%.

Related Companies

Financial statements for NYSE:FICO last updated on 5/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Fair Isaac (FICO) Financials

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