FAIR ISAAC CORP FICO

Industrials SIC 7389 - Services-Business Services, NEC NAICS Administrative and Support and Waste Management and Remediation Services › Administrative and Support Services derived 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 815.31 2026-10-23
Market cap $17.61B 2026-06-30 share count
52-week range 586.05 - 1,858.91

Valuation FY2025 figures against the last close

P/S8.8x
P/E30.7x
P/FCF22.9x
EV/EBITDA21.8x
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.) 24.6M25.1M25.4M26.3M29.3M29.9M30.3M31.2M32.2M32.3M

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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 500M 1B 1.5B 2B Revenue, FY2016: 881.4M Gross profit, FY2016: 616.2M Net income, FY2016: 109.4M Revenue, FY2017: 935M Gross profit, FY2017: 647.4M Net income, FY2017: 133.4M Revenue, FY2018: 1B Gross profit, FY2018: 687.2M Net income, FY2018: 126.5M Revenue, FY2019: 1.2B Gross profit, FY2019: 823.2M Net income, FY2019: 192.1M Revenue, FY2020: 1.3B Gross profit, FY2020: 933.4M Net income, FY2020: 236.4M Revenue, FY2021: 1.3B Gross profit, FY2021: 984.1M Net income, FY2021: 392.1M Revenue, FY2022: 1.4B Gross profit, FY2022: 1.1B Net income, FY2022: 373.5M Revenue, FY2023: 1.5B Gross profit, FY2023: 1.2B Net income, FY2023: 429.4M Revenue, FY2024: 1.7B Gross profit, FY2024: 1.4B Net income, FY2024: 512.8M Revenue, FY2025: 2B Gross profit, FY2025: 1.6B Net income, FY2025: 651.9M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $881.4M $935.0M $1.00B $1.16B $1.29B $1.32B $1.38B $1.51B $1.72B $1.99B
Gross profit $616.2M $647.4M $687.2M $823.2M $933.4M $984.1M $1.08B $1.20B $1.37B $1.64B
Net income $109.4M $133.4M $126.5M $192.1M $236.4M $392.1M $373.5M $429.4M $512.8M $651.9M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced Item 2.02
  • Material agreement signed Item 1.01
  • New debt or obligation Item 2.03
  • Other event Item 8.01
  • Other event Item 8.01
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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