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FAIR ISAAC CORP

FICO· NYSE· Services-Business Services, NEC

Market cap
–
P/FCF
–
EV/Sales
–
FCF margin
38.7%
ROIC, 5 yr avg
55.2%
Revenue, 5 yr CAGR
+9.0%
We record prices for the companies we cover; FICO is not one of them yet.

Company statistics

From the 10-Ks, computed in code · point at a figure for its formula

Profile · FY2025

Market cap
–
Enterprise value
–
Diluted shares
24.6M
Revenue
$2.0B
Free cash flow
$769.9M
Owner earnings
$613.2M

Valuation · FY2025

P/E
–
P/FCF
–
P/Owner earnings
–
EV/Sales
–
EV/FCF
–
P/B
–

Margins · FY2025

Gross
–
Operating
46.5%
Net
32.7%
Free cash flow
38.7%
Owner earnings
30.8%
Stock pay
7.9%

Returns

ROIC, FY2025
63.9%
ROIC, 5 yr avg
55.2%
ROE, FY2025
–
ROE, 5 yr avg
–

Growth (CAGR)

Revenue, 3 yr
13.1%
Revenue, 5 yr
9.0%
Revenue, 9 yr
9.5%
Diluted EPS, 3 yr
23.2%
Diluted EPS, 5 yr
27.4%
Diluted EPS, 9 yr
25.7%
Free cash flow, 3 yr
15.2%
Free cash flow, 5 yr
17.6%
Free cash flow, 9 yr
16.9%

Financial health · FY2025

Cash and investments
$134.1M
Total debt
$3.1B
Net debt
$2.9B
Debt/Equity
–
Debt/FCF
4.0x

Shareholder returns · FY2025

Dividend yield
–
Payout ratio
–
Buyback yield
–
Shareholder yield
–
Share count, 5 yr
-3.9%

Financials: ten years from the 10-Ks

Reported numbers open their filing · computed ones show the formula · ˢ split-adjusted

Revenue

$2.0B

+9.5% a year over 9 years

FY2016: Revenue $881.4MFY2017: Revenue $935.0MFY2018: Revenue $1.0BFY2019: Revenue $1.2BFY2020: Revenue $1.3BFY2021: Revenue $1.3BFY2022: Revenue $1.4BFY2023: Revenue $1.5BFY2024: Revenue $1.7BFY2025: Revenue $2.0B
FY2016FY2025

Margins

Operating46.5%Net32.7%

FY2025

FY2016: Operating 19.2%, Net 12.4%FY2017: Operating 19.5%, Net 14.3%FY2018: Operating 17.5%, Net 12.6%FY2019: Operating 21.9%, Net 16.6%FY2020: Operating 22.9%, Net 18.3%FY2021: Operating 38.4%, Net 29.8%FY2022: Operating 39.4%, Net 27.1%FY2023: Operating 42.5%, Net 28.4%FY2024: Operating 42.7%, Net 29.9%FY2025: Operating 46.5%, Net 32.7%
FY2016FY2025

Free cash flow and owner earnings

Free cash flow$769.9MOwner earnings$613.2M

Free cash flow +16.9% a year

FY2016: Free cash flow $188.3M, Owner earnings $132.8MFY2017: Free cash flow $205.8M, Owner earnings $144.6MFY2018: Free cash flow $191.8M, Owner earnings $116.9MFY2019: Free cash flow $236.4M, Owner earnings $153.4MFY2020: Free cash flow $342.9M, Owner earnings $249.2MFY2021: Free cash flow $416.2M, Owner earnings $303.8MFY2022: Free cash flow $503.4M, Owner earnings $388.1MFY2023: Free cash flow $464.7M, Owner earnings $340.8MFY2024: Free cash flow $624.1M, Owner earnings $474.6MFY2025: Free cash flow $769.9M, Owner earnings $613.2M
FY2016FY2025

Diluted shares

24.6M

-24.0% over 9 years, net buybacks

FY2016: Diluted shares 32.3MFY2017: Diluted shares 32.2MFY2018: Diluted shares 31.2MFY2019: Diluted shares 30.3MFY2020: Diluted shares 29.9MFY2021: Diluted shares 29.3MFY2022: Diluted shares 26.3MFY2023: Diluted shares 25.4MFY2024: Diluted shares 25.1MFY2025: Diluted shares 24.6M
FY2016FY2025

Return on invested capital

63.9%

FY2025

FY2016: ROIC 14.3%FY2017: ROIC 18.9%FY2018: ROIC 19.5%FY2019: ROIC 28.5%FY2020: ROIC 29.8%FY2021: ROIC 59.6%FY2022: ROIC 48.4%FY2023: ROIC 50.5%FY2024: ROIC 53.5%FY2025: ROIC 63.9%
FY2016FY2025

Net debt (below zero)

-$2.9B

$2.9B more debt than cash

FY2016: Net cash -$417.7MFY2017: Net cash -$357.2MFY2018: Net cash -$438.9MFY2019: Net cash -$500.4MFY2020: Net cash -$582.0MFY2021: Net cash -$813.7MFY2022: Net cash -$1.7BFY2023: Net cash -$1.7BFY2024: Net cash -$2.1BFY2025: Net cash -$2.9B
FY2016FY2025

Every figure, year by year

Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
The business
Revenue$881.4M$935.0M$1.0B$1.2B$1.3B$1.3B$1.4B$1.5B$1.7B$2.0B
Revenue growth5.1%6.1%7.0%16.0%11.6%1.7%4.6%9.9%13.5%15.9%
Gross margin––––––––––
Operating margin19.2%19.5%17.5%21.9%22.9%38.4%39.4%42.5%42.7%46.5%
Net income$109.4M$133.4M$126.5M$192.1M$236.4M$392.1M$373.5M$429.4M$512.8M$651.9M
Net margin12.4%14.3%12.6%16.6%18.3%29.8%27.1%28.4%29.9%32.7%
Diluted EPS$3.39$4.14$4.06$6.34$7.90$13.40$14.18$16.93$20.45$26.54
Return on invested capital?14.3%18.9%19.5%28.5%29.8%59.6%48.4%50.5%53.5%63.9%
Cash
Operating cash flow$210.3M$225.6M$223.1M$260.4M$364.9M$423.8M$509.4M$468.9M$633.0M$778.8M
Capital expenditure$22.0M$19.8M$31.3M$24.0M$22.0M$7.6M$6.0M$4.2M$8.9M$8.9M
Free cash flow$188.3M$205.8M$191.8M$236.4M$342.9M$416.2M$503.4M$464.7M$624.1M$769.9M
Stock-based compensation$55.5M$61.2M$74.8M$83.0M$93.7M$112.5M$115.4M$123.8M$149.4M$156.7M
Owner earnings?$132.8M$144.6M$116.9M$153.4M$249.2M$303.8M$388.1M$340.8M$474.6M$613.2M
Free cash flow per share$5.83$6.38$6.15$7.80$11.46$14.23$19.11$18.32$24.88$31.35
Capital allocation
Dividends paid$2.5M$1.2M$0$0––––––
Share repurchases$138.4M$187.6M$342.6M$228.9M$235.2M$874.2M$1.1B$405.5M$821.7M$1.4B
Diluted shares32.3M32.2M31.2M30.3M29.9M29.3M26.3M25.4M25.1M24.6M
Share count change?-0.9%-0.2%-3.3%-2.8%-1.2%-2.2%-10.0%-3.7%-1.1%-2.1%
Balance sheet
Cash and equivalents$75.9M$105.6M$90.0M$106.4M$157.4M$195.4M$133.2M$136.8M$150.7M$134.1M
Short-term investments––––––––––
Total debt$493.6M$462.8M$528.9M$606.8M$739.4M$1.0B$1.8B$1.8B$2.2B$3.1B
Net debt$417.7M$357.2M$438.9M$500.4M$582.0M$813.7M$1.7B$1.7B$2.1B$2.9B
Shareholders' equity$481.3M$466.2M$287.4M$289.8M$331.1M-$110.9M-$801.9M-$688.0M-$962.7M-$1.7B

Latest filings

All on EDGAR
2026-07-2910-QQuarterly report
2026-07-298-KEarnings release
2026-04-2810-QQuarterly report
2026-04-288-KEarnings release
2026-01-2810-QQuarterly report
2026-01-288-KEarnings release
2026-01-27DEF 14AProxy statement
2025-11-0710-KAnnual report
2025-11-058-KEarnings release
2025-07-308-KEarnings release

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