FAIR ISAAC CORP FICO

Industrials SIC 7389 - Services-Business Services, NEC NYSE

Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the "Company," which may also be referred to in this report as "we," "us," "our," and "FICO") is a global analytics software leader. We were founded in 1956 on the premise that data, used intelligently, can improve business decisions. Today, FICO's software and the widely used FICO® Score operationalize analytics, enabling thousands of businesses in more than 80 countries to uncover new opportunities, make timely decisions that matter, and execute them at scale. Most leading banks and credit card issuers rely on our solutions, as do insurers, retailers, telecommunications providers, automotive lenders, consumer reporting agencies, public agencies, and organizations in other industries. We also serve consumers through online services that enable people to access and understand their FICO Scores — the standard measure of consumer credit risk in the United States ("U.S.") — empowering them to increase financial literacy and manage their financial health. More information about us can be found on our website, www.fico.com. We make our Annual Reports on Forms 10-K, Quarterly Reports on Forms 10-Q, and Current Reports on Forms 8-K, as well as amendments to those reports, available free of charge through our website as soon as reasonably practicable after we electronically file them with the U.S. Securities and Exchange Commission ("SEC"). References to our website address in this report do not constitute an incorporation by reference. Information on our website is not part of this report.

Last close 932.26 2026-09-04
Market cap $20.13B 2026-06-30 share count
52-week range 870.01 - 1,998.01

Valuation FY2025 figures against the last close

P/S10.1x
P/E35.1x
P/FCF26.2x
EV/EBITDA24.5x
Dividend yield
Diluted EPS26.54

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.99B$1.72B$1.51B$1.38B$1.32B$1.29B$1.16B$1.00B$935.0M$881.4M
Cost of revenue $353.7M$348.2M$311.1M$302.2M$332.5M$361.1M$336.8M$312.9M$287.6M$265.2M
Gross profit $1.64B$1.37B$1.20B$1.08B$984.1M$933.4M$823.2M$687.2M$647.4M$616.2M
R&D $188.3M$171.9M$159.9M$146.8M$171.2M$166.5M$149.5M$128.4M$110.9M$103.7M
SG&A $513.0M$462.8M$400.6M$383.9M$396.3M$420.9M$414.1M$376.9M$337.2M$328.9M
Total operating expenses $1.07B$983.9M$870.7M$834.9M$811.0M$998.6M$906.5M$824.8M$752.8M$711.8M
Operating income $924.9M$733.6M$642.8M$542.4M$505.5M$296.0M$253.5M$175.4M$182.2M$169.6M
Interest expense $133.6M$105.6M$95.5M$69.0M$40.1M$42.2M$39.8M$31.3M$25.8M$26.6M
Pre-tax income $802.6M$642.0M$553.6M$471.3M$473.1M$257.0M$216.1M$156.9M$156.3M$144.6M
Income tax $150.6M$129.2M$124.2M$97.8M$81.1M$20.6M$23.9M$30.4M$22.9M$35.1M
Net income $651.9M$512.8M$429.4M$373.5M$392.1M$236.4M$192.1M$126.5M$133.4M$109.4M
EPS, basic 26.9020.7817.1814.3413.658.136.634.264.323.52
EPS, diluted 26.5420.4516.9314.1813.407.906.344.064.143.39
Shares, diluted (wtd. avg.) $24.6M$25.1M$25.4M$26.3M$29.3M$29.9M$30.3M$31.2M$32.2M$32.3M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $134.1M$150.7M$136.8M$133.2M$195.4M$157.4M$106.4M$90.0M$105.6M$75.9M
Receivables $529.1M$426.6M$387.9M$322.4M$312.1M$334.2M$297.4M$266.7M$168.6M$167.8M
Total current assets $705.2M$617.4M$556.4M$484.7M$551.0M$534.1M$455.7M$396.4M$310.9M$267.6M
Property, plant and equipment $67.7M$38.5M$11.0M$17.6M$27.9M$46.4M$53.0M$48.8M$40.7M$45.1M
Goodwill $783.3M$782.8M$773.3M$761.1M$788.2M$812.4M$803.5M$800.9M$804.4M$798.4M
Other intangibles $0$917.0K$2.0M$4.1M$9.2M$14.1M$14.5M$21.2M$33.6M
Total assets $1.87B$1.72B$1.58B$1.44B$1.57B$1.61B$1.43B$1.33B$1.26B$1.22B
Accounts payable $32.3M$22.5M$19.0M$17.3M$20.7M$23.0M$23.1M$20.3M$19.5M$23.0M
Short-term debt $399.5M$15.0M$50.0M$30.0M$250.0M$95.0M$218.0M$235.0M$142.0M$77.0M
Total current liabilities $849.2M$380.3M$367.7M$331.5M$559.2M$414.5M$490.8M$473.9M$326.7M$246.1M
Long-term debt $2.66B$2.19B$1.81B$1.82B$1.01B$739.4M$606.8M$528.9M$462.8M$493.6M
Total liabilities $3.61B$2.68B$2.26B$2.24B$1.68B$1.28B$1.14B$1.04B$829.1M$773.8M
Retained earnings $4.55B$3.90B$3.39B$2.96B$2.59B$2.19B$1.96B$1.76B$1.60B$1.47B
Total equity -$1.75B-$962.7M-$688.0M-$801.9M-$110.9M$331.1M$289.8M$287.4M$466.2M$481.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $778.8M$633.0M$468.9M$509.4M$423.8M$364.9M$260.4M$223.1M$225.6M$210.3M
Depreciation and amortisation $15.0M$13.8M$14.6M$20.5M$25.6M$30.4M$31.6M$30.2M$36.2M$31.6M
Stock-based compensation $156.7M$149.4M$123.8M$115.4M$112.5M$93.7M$83.0M$74.8M$61.2M$55.5M
Capital expenditure $8.9M$8.9M$4.2M$6.0M$7.6M$22.0M$24.0M$31.3M$19.8M$22.0M
Investing cash flow -$43.7M-$28.0M-$16.0M-$5.7M$137.8M-$24.6M-$42.8M-$14.1M-$20.6M-$27.6M
Financing cash flow -$750.3M-$592.9M-$455.0M-$547.2M-$523.6M-$289.4M-$200.0M-$218.6M-$180.6M-$190.0M
Dividends paid $0$0$1.2M$2.5M
Buybacks $1.41B$821.7M$405.5M$1.10B$874.2M$235.2M$228.9M$342.6M$187.6M$138.4M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000814547-25-000030.

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