— Know what they know.
/
Not Investment Advice

FICO

NYSE · USD
Fair Isaac Corporation
Technology · Software - Application
CEO William J. Lansing Employees 3,811 R&D / revenue 9.5%
Last price
$771.19+0.16%last session
Market cap
$16.7B
P/E (TTM)
22.2x
From 52w high
−58.5%
From 52w low
+31.6%
1-year return
−52.4%
RSI 14 · vs SMA200
45.8 · −33.9%
IS score
80.1/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)

One year, rebased to 100

FICO   SPY   XLK (sector ETF) · weekly closes
406080100120140Jan 26Apr 26Jul 26Oct 26XLK 129SPY 116FICO 48

Score DNA

Each bar is a 0-100 score within the scored universe
80
Profitability
87
Growth
32
Value
99
Momentum
100
Risk (safety)
79
Quality
36
Balance sheet
56
Earnings quality

Flags

Strengths
✓ Piotroski 8+✓ FCF yield 5%+
Warnings
None of the computed warning flags fires for FICO (Altman, Beneish, accruals, FCF, dilution).
Observations
Moat model: Narrow, Intangible AssetsPiotroski 8 / 9Altman Z 9.5Beta 1.322 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.
INSForm 4 · 180 days
Insider open-market buys
0
1 open-market sales, $1.4M
Form 144 notices (12m): 6, $10.9M proposed, not confirmed sales
CONGSTOCK Act · 180 days
Congressional purchases
0
No disclosed purchases
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
−8
114 new holders, 113 closed
850 filers hold 96.0% · 268 added, 351 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+13
863 funds adding shares
850 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
50.3%
20-day avg 47.0%, 50-day avg 56.8%
Latest 3.3 pp over its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.
Income statement
Revenue$2.0B
Revenue growth YoY+15.9%
Gross margin82.2%
Operating income$924.9M
Operating margin46.5%
Net income$651.9M
Net margin32.7%
EPS (diluted)$26.54
Cash flow
Operating cash flow$778.8M
Capital expenditure$8.9M
Free cash flow$769.9M
FCF conversion (FCF / OCF)98.9%
Stock-based compensation$156.7M
FCF less SBC$613.2M
Buybacks$1.4B
Dividends$0
Balance sheet & returns
Cash & short-term investments$134.1M
Total debt$3.1B
Net debt$2.9B
Shareholders' equity−$1.7B
Goodwill & intangibles$783.3M
Debt / equity-1.37
ROE (TTM)-33.4%
ROIC (TTM)59.4%
Operating margin by fiscal year
38.4%FY202139.4%FY202242.5%FY202342.7%FY202446.5%FY2025
Revenue $1.3B (FY2021) to $2.0B (FY2025), a 10.9% CAGR.

Valuation

P/E (TTM)22.2x
EV / EBITDA17.4x
Price / sales6.96x
Price / FCF16.7x
FCF yield5.98%
Buyback yield8.49%
SBC / revenue7.3%
Price / bookn/m
Forward P/E FY202715.5x
Forward P/E FY202813.7x
Forward multiples divide today's price by Street EPS estimates. Street mean target $1,207.72 across 18 analysts last quarter is theirs, not ours.

FICO vs industry median

831 companies in Software - Application
Gross margin 85.1% 59.6% Operating margin 51.7% -6.6% Net margin 34.1% -9.7% ROIC 59.4% 3.5%
FICO (TTM)Industry median Asset turnover 1.17 vs industry 0.57 · financial leverage -0.50

Earnings delivery

Next report 2026-11-04 · consensus EPS $10.86
67%
beat rate, 8 of 12 quarters
+3.6%
median EPS surprise
6
longest beat streak
-4-5+6-20+2-5+4+11+6+4+15+4
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2023-11-08 to 2026-07-29. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above
CompanyMkt capP/EROENet marginRev growth12m return
FICO Fair Isaac Corporation $16.7B22.2x-33.4%34.1%+15.9% −52.4%
DT Dynatrace, Inc. $17.7B120.2x5.9%6.6%+17.9% +29.0%
U Unity Software Inc. $17.8Bn/m-18.9%-4.3%+14.0% +16.3%
TYL Tyler Technologies, Inc. $14.8B47.3x9.7%14.5%+8.2% −27.3%
SSNC SS&C Technologies Holdings, $19.7B23.5x12.7%13.8%+8.6% +6.0%
DOCU DocuSign, Inc. $14.0B44.7x17.8%8.9%+8.6% —
GWRE Guidewire Software, Inc. $13.8B102.3x10.5%7.6%+22.7% —
PTC PTC Inc. $21.0B18.6x35.1%19.8%+19.5% —
12-month window: SPY +15.9%, sector ETF XLK +29.0%. Past returns describe history only.

Recent 8-K filings

2026-10-06Exit/Disposal Costs
2026-07-29Earnings Release; Exhibits
2026-06-08Material Agreement; Financial Obligation; Other Events; Exhibits
2026-04-28Earnings Release; Exhibits
2026-03-11Other Events; Financial Statements and Exhibits
2026-03-11Other Events; Financial Statements and Exhibits

Context

Shares outstanding21,597,635
Free float96.8%
Institutional ownership96.0%
Beta1.32
Dividend yield0.00%
Last dividend$0.02 on 2017-03-01
50 / 200-day average$942.84 / $1,171.72
Large-cap Technology median P/E34.8x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Narrow).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where FICO sits among 137 scored companies in Software - Application (0 = lowest value, 100 = highest). It is a position, not a grade.
ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)

Valuation

MeasureFICOIndustry medianIndustry percentileSector median
P/E (TTM) 20.4x 30.6x
32nd		 32.0x
PEG (P/E ÷ 3-yr EPS CAGR) 0.69 1.20
24th		 1.36
Price / sales 7.0x 4.5x
75th		 3.9x
Price / book —
Price / tangible book —
Price / free cash flow 16.7x 17.2x
50th		 20.3x
Price / operating cash flow 16.6x 16.1x
53rd		 17.9x
Enterprise value $22.0B $3.8B
82nd		 $5.5B
EV / sales 9.2x 4.2x
85th		 4.1x
EV / EBITDA 17.4x 19.1x
43rd		 18.9x
EV / EBIT 17.6x 27.7x
32nd		 26.7x
EV / free cash flow 22.1x 18.6x
61st		 21.9x
Earnings yield 4.9% 1.4%
81st		 2.0%
FCF yield 6.0% 4.8%
58th		 3.3%
Operating cash flow yield 6.0% 5.1%
54th		 4.4%
Graham number (per share) —

Profitability (TTM)

MeasureFICOIndustry medianIndustry percentileSector median
Gross margin 85.1% 71.1%
92nd		 55.7%
EBITDA margin 53.0% 13.6%
92nd		 13.7%
Operating margin 51.7% 7.3%
96th		 8.2%
EBIT margin 52.3% 7.1%
95th		 8.6%
Net margin 34.1% 4.7%
92nd		 5.7%
NOPAT margin 39.5% 5.9%
96th		 7.0%
FCF margin 41.6% 20.3%
93rd		 15.0%
Operating cash flow margin 41.8% 22.5%
92nd		 18.4%
R&D / revenue 8.7% 18.2%
19th		 12.9%
SG&A / revenue 24.3% 38.6%
17th		 25.6%
Stock comp / revenue 7.3% 7.8%
44th		 4.4%
Effective tax rate 23.5% 21.0%
77th		 21.0%

Returns on capital

MeasureFICOIndustry medianIndustry percentileSector median
ROE (on average equity) —
ROA 41.8% 3.0%
97th		 4.1%
ROIC 75.5% 6.6%
90th		 9.0%
ROCE 96.8% 5.7%
99th		 8.6%
Return on tangible assets 64.2% 4.6%
99th		 5.9%
Cash ROIC (OCF / invested capital) 80.0% 29.6%
78th		 20.7%
Gross profitability (GP / assets) 100.0% 37.6%
97th		 30.0%
ROIC, 3-yr average 381.2% 4.8%
99th		 7.4%
ROIC, 5-yr average —
ROE, 5-yr average —
Incremental ROIC 473.1% 13.7%
96th		 15.3%

Growth

MeasureFICOIndustry medianIndustry percentileSector median
Revenue growth (TTM YoY) 24.1% 15.1%
73rd		 14.3%
Revenue growth (QoQ) -2.5% 4.6%
10th		 6.6%
Revenue CAGR, 3 yr 17.6% 13.7%
67th		 9.6%
Revenue CAGR, 5 yr 12.0% 16.6%
27th		 11.5%
Gross profit CAGR, 3 yr 20.6% 14.9%
69th		 10.9%
Operating income CAGR, 3 yr 26.5% 20.6%
61st		 11.3%
Net income growth (TTM YoY) 28.8% 27.2%
52nd		 21.6%
Net income CAGR, 3 yr 24.9% 20.3%
68th		 9.9%
EPS growth (TTM YoY) 39.5% 30.6%
53rd		 22.3%
EPS CAGR, 3 yr 29.5% 20.2%
74th		 11.2%
EPS CAGR, 5 yr 23.5% 15.4%
68th		 12.0%
FCF growth (TTM YoY) 33.2% 28.9%
58th		 24.6%
FCF CAGR, 3 yr 30.7% 31.3%
49th		 19.3%
Operating cash flow CAGR, 3 yr 30.6% 28.0%
55th		 17.9%
Book value CAGR, 3 yr —
Dividend CAGR, 3 yr —
Sustainable growth rate —

Margin history & stability

MeasureFICOIndustry medianIndustry percentileSector median
Gross margin, 3-yr average 82.1% 71.3%
84th		 53.2%
Operating margin, 3-yr average 46.7% 4.7%
98th		 6.6%
Net margin, 3-yr average 31.9% 5.1%
96th		 5.2%
FCF margin, 3-yr average 37.9% 19.8%
91st		 12.7%
Revenue stability (0-1) 0.85 0.97
20th		 0.87
Earnings stability (0-1) 0.87 0.56
83rd		 0.45
Margin stability (0-1) 0.95 0.97
40th		 0.95

Liquidity (latest quarter)

MeasureFICOIndustry medianIndustry percentileSector median
Cash & short-term investments $248.4M $434.8M
35th		 $494.1M
Net cash (− = net debt) −$5.3B $57.2M
6th		 $49.8M
Working capital $136.4M $247.5M
40th		 $391.0M
Current ratio 1.18 1.74
33rd		 1.92
Quick ratio 1.18 1.72
34th		 1.67
Cash ratio (cash + ST investments / current liabilities) 0.33 1.13
19th		 0.95
Defensive interval (days) 383 days 370 days
53rd		 521 days

Leverage & solvency (latest quarter)

MeasureFICOIndustry medianIndustry percentileSector median
Total debt $5.6B $237.5M
90th		 $349.3M
Debt / equity —
Net debt / equity —
Debt / assets 274.8% 15.2%
100th		 16.9%
Debt / capital —
Debt / EBITDA 4.42 2.26
76th		 1.78
Net debt / EBITDA 4.22 −0.32
93rd		 −0.18
Interest coverage (EBIT / interest) 6.7x 5.3x
57th		 5.8x
Cash interest coverage 5.4x 15.8x
31st		 12.8x
Debt payback (years of OCF) 5.6 yrs 1.0 yrs
92nd		 1.6 yrs
Liabilities / assets 301.1% 50.2%
100th		 48.7%
IS credit model rating B- — —
Implied credit spread (bps) 900 225
94th		 175

Efficiency

MeasureFICOIndustry medianIndustry percentileSector median
Asset turnover 1.23 0.59
92nd		 0.62
Fixed asset turnover 20.98 12.05
75th		 9.25
Inventory turnover —
Receivables turnover 4.6 6.5
25th		 6.2
Days sales outstanding 80 days 55 days
76th		 59 days
Days inventory outstanding —
Days payables outstanding 29 days 31 days
48th		 46 days
Cash conversion cycle (days) 51 days 22 days
80th		 50 days
Capex / revenue 0.2% 1.3%
8th		 2.3%
Capex / depreciation 0.34 0.41
42nd		 0.56
Operating expense ratio 33.3% 62.8%
10th		 44.3%

Cash flow & earnings quality

MeasureFICOIndustry medianIndustry percentileSector median
Operating cash flow / net income 1.23 1.89
20th		 1.61
FCF / net income 1.22 1.70
29th		 1.33
FCF / operating cash flow 99.4% 94.0%
96th		 88.0%
Capex / operating cash flow 0.6% 6.0%
3rd		 12.0%
Accruals ratio -9.6% -10.9%
56th		 -6.3%
Sloan accruals ratio 9.3% -4.7%
85th		 -1.8%
Earnings quality score (0-1) 0.75 0.75
11th		 0.75

Dividends & buybacks

MeasureFICOIndustry medianIndustry percentileSector median
Dividend yield 0.0% 0.0%
0th		 0.0%
Dividend per share (TTM) $0.00 $0.00
0th		 $0.00
Payout ratio (dividends / net income) 0.0% 0.0%
0th		 0.0%
Dividends / FCF 0.0% 0.0%
0th		 0.0%
Dividend growth (YoY) —
Buyback yield 21.6% 2.7%
99th		 1.2%
Shareholder yield (dividends + buybacks) 21.6% 3.1%
98th		 1.7%
Share count change (YoY) -7.6% -1.9%
15th		 0.1%
Buybacks, last 5 years $3.3B $309.1M
88th		 $215.3M

Scores & forensic checks

MeasureFICOIndustry medianIndustry percentileSector median
IS score 80 56
93rd		 56
IS profitability 80 37
88th		 40
IS growth 87 66
87th		 65
IS value 32 38
29th		 39
IS momentum 99 80
92nd		 78
IS risk (safety) 100 80
61st		 100
IS quality 79 63
76th		 67
IS balance sheet 36 69
18th		 72
IS earnings quality 56 52
54th		 61
IS cash flow 84 72
76th		 66
Piotroski F-score (0-9) 8 6
85th		 6
Altman Z-score 9.5 3.0
87th		 4.0
Beneish M-score −2.68 −2.74
60th		 −2.58
Ohlson O-score 5.05 −7.88
100th		 −8.00
IS credit score 20 62
2nd		 69

Per share

MeasureFICOIndustry medianIndustry percentileSector median
EPS, diluted (TTM) $35.90 $0.32
100th		 $0.84
Book value per share −$180.47 $6.15
0th		 $9.77
Tangible book per share −$215.66 $1.97
0th		 $3.22
Revenue per share $105.43 $7.54
99th		 $13.00
FCF per share $43.87 $1.56
100th		 $1.78
Operating cash flow per share $44.12 $1.77
100th		 $2.40
Cash per share $10.94 $3.77
83rd		 $4.50

Size (TTM)

MeasureFICOIndustry medianIndustry percentileSector median
Market cap $16.7B $3.9B
80th		 $4.7B
Revenue $2.4B $872.9M
75th		 $1.2B
EBITDA $1.3B $101.2M
88th		 $185.8M
Net income $815.0M $34.8M
87th		 $84.9M
Free cash flow $996.0M $198.7M
83rd		 $170.6M
Total assets $2.0B $1.8B
57th		 $2.4B
Shareholders' equity −$4.1B $907.0M
0th		 $1.1B
Employees 3,876 1,988
68th		 3,000

Insider transactions, last 6 months

Form 4 · most recent 12
DateInsiderTypeSharesPriceValueOwned after
2026-08-24Kelly Braden R
Director
 Option exercise 1,386$455.13$630,81013,940
2026-08-24Kelly Braden R
Director
 Option exercise 1,285$475.46$610,96615,225
2026-08-24Kelly Braden R
Director
 Option exercise 1,386$455.13$630,8100
2026-08-24Kelly Braden R
Director
 Option exercise 1,285$475.46$610,9660
2026-08-22Stansbury Henry Tayloe
Director
 Option exercise 91——351
2026-08-22Stansbury Henry Tayloe
Director
 Option exercise 91——0
2026-08-21Kelly Braden R
Director
 Option exercise 1,682$391.57$658,62112,554
2026-08-21Kelly Braden R
Director
 Option exercise 1,682$391.57$658,6210
2026-07-29Manolis Eva
Director
 Option exercise 967$391.57$378,6481,465
2026-07-29Manolis Eva
Director
 Open-market sale 967$1,400.00$1.4M498
2026-07-29Manolis Eva
Director
 Option exercise 967$391.57$378,648967
2026-07-05Leonard Michael S
CAO and Vice President
 Award / grant 237——237

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types
MarMayJunJulAug

By transaction type, 6 months

TypeDirectionFilingsSharesValue
Award / grantDisposed1784—
Award / grantAcquired1237—
Open-market saleDisposed1967$1.4M
Option exerciseAcquired99,337$2.3M
Option exerciseDisposed88,553$2.3M
Tax withholdingDisposed41,668$2.0M
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

12 months: 6 notices · 6,432 shares · $10.9M
FiledFilerShares proposedEst. proceeds
2026-07-29Eva Manolis967$1.3M
2026-02-13Rees Joanna358$486,880
2025-12-17Steven P Weber1,426$2.6M
2025-12-12Eva Manolis1,041$1.9M
A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 14 trades (6 purchases) · Senate 0 (0 purchases)
TradedMemberChamberTypeAmountDisclosed
2026-04-22Michael McCaulHouseSale$1,001 - $15,0002026-05-11
2026-04-22Michael T. McCaulHouseSale$1,001 - $15,0002026-05-11
2026-04-14Gilbert CisnerosHouseSale$1,001 - $15,0002026-05-11
2026-04-13Gilbert Ray CisnerosHouseSale (Full)$1,001 - $15,0002026-05-11
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed
ManagerSharesValue% of shares out
BlackRock, Inc.2,085,336$2.5B9.66%
VANGUARD CAPITAL MANAGEMENT LLC1,477,322$1.8B6.84%
Capital Research Global Investors1,296,893$1.5B6.00%
VANGUARD PORTFOLIO MANAGEMENT LLC1,255,104$1.5B5.81%
Capital International Investors1,247,685$1.5B5.78%
STATE STREET CORP1,054,495$1.3B4.88%
GEODE CAPITAL MANAGEMENT, LLC731,782$873.7M3.39%
Capital World Investors715,987$855.4M3.32%
PRINCIPAL FINANCIAL GROUP INC415,795$496.8M1.93%
PRIMECAP MANAGEMENT CO/CA/362,835$433.5M1.68%
MORGAN STANLEY353,526$422.4M1.64%
EDGEWOOD MANAGEMENT LLC342,818$409.6M1.59%
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP332,330$397.1M1.54%
Invesco Ltd.284,011$339.3M1.32%
AMERICAN CENTURY COMPANIES INC228,232$272.7M1.06%

Institutional ownership by quarter

2023-092026-0696.0%
% of shares held by 13F filers
2023-092026-06850
Number of 13F filers holding

Holder changes by quarter

QuarterHoldersOwnershipNewIncreasedReducedClosed
2026-06-3085096.0%114268351113
2026-03-3185894.1%106266365226
2025-12-3199193.1%16231935693
2025-09-3094391.2%124278409186
2025-06-301,01993.7%15635935596
2025-03-3197193.9%103374354121
2024-12-311,00693.2%16231339358
2024-09-3092395.7%14330134942
2024-06-3083097.0%12825833373
2024-03-3179093.8%10825331259
2023-12-3174994.2%13320931257
2023-09-3068394.6%8221726761

Schedule 13D / 13G filers

FiledFormFiler% of classShares
2026-08-12SCHEDULE 13GCapital International Investors5.4%1,257,692
2026-08-12SCHEDULE 13GCapital Research Global Investors5.6%1,296,893
2026-04-29SCHEDULE 13GVanguard Portfolio Management5.3%1,260,989
2026-04-29SCHEDULE 13GVanguard Capital Management7.3%1,735,904
Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETFWeight in fundHolding value
VITSX0.02%$385.7M
VTSAX0.02%$385.7M
VSMPX0.02%$385.7M
VTI0.02%$385.7M
FXAIX0.04%$345.4M
VOO0.02%$335.4M

Share structure

Shares outstanding21,597,635
Float20,896,576
Free float96.8%

Income statement

Fiscal years, USD
FY2021FY2022FY2023FY2024FY2025
Revenue$1.3B$1.4B$1.5B$1.7B$2.0B
Cost of revenue$332.5M$302.2M$311.1M$348.2M$353.7M
Gross profit$984.1M$1.1B$1.2B$1.4B$1.6B
R&D$171.2M$146.8M$159.9M$171.9M$188.3M
SG&A$396.3M$383.9M$400.6M$462.8M$513.0M
Operating income$505.5M$542.4M$642.8M$733.6M$924.9M
EBITDA$538.8M$560.7M$663.8M$761.5M$951.2M
Pretax income$473.1M$471.3M$553.6M$642.0M$802.6M
Income tax$81.1M$97.8M$124.2M$129.2M$150.6M
Net income$392.1M$373.5M$429.4M$512.8M$651.9M
EPS, diluted$13.40$14.18$16.93$20.45$26.54
Diluted shares29.3M26.3M25.4M25.1M24.6M

Balance sheet

FY2021FY2022FY2023FY2024FY2025
Cash & short-term investments$195.4M$133.2M$136.8M$150.7M$134.1M
Receivables$312.1M$322.4M$387.9M$426.6M$529.1M
Inventory$0$0$0$0$0
Total current assets$551.0M$484.7M$556.4M$617.4M$705.2M
PP&E, net$75.2M$54.3M$36.7M$68.0M$93.9M
Goodwill & intangibles$792.3M$763.1M$774.2M$782.8M$783.3M
Total assets$1.6B$1.4B$1.6B$1.7B$1.9B
Accounts payable$20.7M$17.3M$19.0M$22.5M$32.3M
Total current liabilities$559.2M$331.5M$367.7M$380.3M$849.2M
Long-term debt$1.0B$1.8B$1.8B$2.2B$2.7B
Total liabilities$1.7B$2.2B$2.3B$2.7B$3.6B
Shareholders' equity−$110.9M−$801.9M−$688.0M−$962.7M−$1.7B

Cash flow statement

Outflows are negative
FY2021FY2022FY2023FY2024FY2025
Net income$392.1M$373.5M$429.4M$512.8M$651.9M
Depreciation & amortization$25.6M$20.5M$14.6M$13.8M$15.0M
Stock-based compensation$112.5M$115.4M$123.8M$149.4M$156.7M
Change in working capital−$12.7M−$35.9M−$63.4M−$20.5M−$18.5M
Operating cash flow$423.8M$509.4M$468.9M$633.0M$778.8M
Capital expenditure−$7.6M−$6.0M−$4.2M−$25.6M−$8.9M
Free cash flow$416.2M$503.4M$464.7M$607.4M$769.9M
Investing cash flow$137.8M−$5.7M−$16.0M−$28.0M−$43.7M
Net debt issued / repaid$421.3M$591.9M$5.0M$343.0M$856.2M
Buybacks−$874.2M−$1.1B−$405.5M−$821.7M−$1.4B
Dividends paid$0$0$0$0$0

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end
FY2021FY2022FY2023FY2024FY2025
Gross margin74.7%78.1%79.4%79.7%82.2%
Operating margin38.4%39.4%42.5%42.7%46.5%
Net margin29.8%27.1%28.4%29.9%32.7%
FCF margin31.6%36.6%30.7%35.4%37.6%
ROE356.2%-81.8%-57.6%-62.1%-48.1%
ROIC40.7%44.0%46.3%51.9%62.9%
ROA24.7%24.8%28.5%31.1%36.4%
Debt / equity-12.03-2.38-2.76-2.33-1.76
Interest coverage12.8x7.8x6.8x7.1x7.0x
Current ratio0.991.461.511.620.83
Revenue growth+1.7%+4.6%+9.9%+13.5%+15.9%
EPS growth+73.4%+6.3%+16.3%+20.4%+32.0%
P/E at year end29.0x28.2x51.1x95.0x55.5x
EV / EBITDA at year end23.2x22.0x35.7x66.8x41.1x
FCF yield at year end3.67%4.78%2.12%1.25%2.07%
Dividend payout0.0%0.0%0.0%0.0%0.0%

Revenue by segment

FY2021FY2022FY2023FY2024FY2025
Scores$654.1M$706.6M$773.8M$919.6M$1.2B
Applications————$822.3M
Software$662.4M$670.6M$739.7M$797.9M—

Revenue by region · FY2025

Americas$1.7B · 87%
EMEA$159.8M · 8%
Asia Pacific$98.7M · 5%

Street estimates by fiscal year

Next report 2026-11-04 · consensus EPS $10.86 · these are analysts' numbers, not ours
Fiscal yearRevenue (mean)Revenue rangeEPS (mean)EPS rangeAnalystsP/E on mean EPS
2026$2.5B$2.5B – $2.6B$42.80$42.32 – $43.431318.0x
2027$2.8B$2.5B – $3.0B$49.65$42.52 – $54.691315.5x
2028$3.0B$1.9B – $3.5B$56.48$32.63 – $70.81813.7x

Reported vs expected, every quarter on file

ReportedEPS expectedEPS actualEPS surpriseRevenue expectedRevenue actualRevenue surprise
2026-07-29$11.76$12.18+3.6%$679.2M$674.2M−0.7%
2026-04-28$10.89$12.50+14.8%$630.2M$691.7M+9.8%
2026-01-28$7.08$7.33+3.5%$501.3M$512.0M+2.1%
2025-11-05$7.32$7.74+5.7%$513.3M$515.8M+0.5%
2025-07-30$7.71$8.57+11.2%$515.3M$536.4M+4.1%
2025-04-29$7.48$7.81+4.4%$499.8M$498.7M−0.2%
2025-02-04$6.09$5.79−4.9%$452.2M$440.0M−2.7%
2024-11-06$6.39$6.54+2.3%$447.9M$453.8M+1.3%
2024-07-31$6.32$5.05−20.1%$445.5M$447.8M+0.5%
2024-04-25$5.81$6.14+5.7%$425.8M$433.8M+1.9%
2024-01-25$5.06$4.81−4.9%$390.9M$382.1M−2.3%
2023-11-08$5.21$5.01−3.8%$389.4M$389.7M+0.1%
2023-08-02$5.25$5.66+7.8%$389.5M$398.7M+2.4%
2023-04-27$5.04$4.78−5.2%$374.9M$380.3M+1.4%
2023-01-26$4.18$4.26+1.9%$344.4M$344.9M+0.1%
2022-11-09$4.12$4.40+6.8%$344.0M$348.7M+1.4%
2022-08-03$3.98$4.47+12.3%$342.5M$349.0M+1.9%
2022-04-27$3.73$4.68+25.5%$337.6M$357.2M+5.8%
2022-01-27$3.36$3.70+10.1%$339.6M$322.4M−5.1%
2021-11-10$3.13$3.92+25.2%$227.3M$334.6M+47.2%
2021-08-03$2.78$3.38+21.6%$328.2M$338.2M+3.0%
2021-05-05$2.60$3.06+17.7%$320.1M$331.4M+3.5%
2021-01-28$2.27$2.74+20.7%$319.9M$312.4M−2.3%
2020-11-10$2.26$3.25+43.8%$832.7M$374.4M−55.0%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)
0.406-150.306-220.306-290.307-060.507-130.307-201.207-270.608-030.408-100.408-170.308-240.508-31
Week ofNotionalSharesTrades
2026-08-31$545.6M546,46743,814
2026-08-24$301.2M260,50529,297
2026-08-17$418.4M367,81235,968
2026-08-10$397.3M376,07934,997
2026-08-03$631.1M598,09549,340
2026-07-27$1.2B960,96066,705

Short-sale share of off-exchange volume

daily 20-day average
07-2310-1550.3%
DateShort shareShort volumeTotal volume
2026-10-1550.3%218,428434,243
2026-10-1449.6%171,918346,365
2026-10-1347.4%329,189694,556
2026-10-1247.5%562,3681,184,034
2026-10-0943.0%263,244611,669
2026-10-0832.3%335,7961,040,041
2026-10-0730.8%262,522851,078
2026-10-0642.8%323,688756,511
2026-10-0539.6%300,080756,934
2026-10-0240.6%358,092882,744
A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month
-0.1Jan+0.4Feb+1.8Mar+0.9Apr+3.6May+1.9Jun+2.9Jul+0.4Aug-2.0Sep+1.6Oct+8.2Nov+2.3Dec
MonthAvg returnUp yearsYears
Jan−0.1%55%20
Feb+0.4%55%20
Mar+1.8%57%21
Apr+0.9%55%20
May+3.6%70%20
Jun+1.9%70%20
Jul+2.9%65%20
Aug+0.4%40%20
Sep−2.0%25%20
Oct+1.6%60%20
Nov+8.2%65%20
Dec+2.3%40%20
History, not a forecast.

Indicators

as of 2026-10-16
RSI 1445.8
MFI51.9
ADX31.4
Stochastic %K / %D69.5 / 56.4
Williams %R-7.2
CCI17
TSI / signal-26.5 / -34.9
Chaikin money flow0.04
ATR$50.09
Bollinger width51.7%
Volume vs 20-day avg0.59x
SupertrendDown

Moving averages and bands

level (price vs level)
SMA 20$748.90 (+3.0%)
SMA 50$937.63 (−17.8%)
SMA 200$1,166.85 (−33.9%)
EMA 21$776.51 (−0.7%)
EMA 50$896.85 (−14.0%)
EMA 200$1,159.59 (−33.5%)
Bollinger upper$942.34 (−18.2%)
Bollinger lower$555.46 (+38.8%)
Parabolic SAR$641.81 (+20.2%)
Open the live chart, 110+ indicators

About Fair Isaac Corporation

Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also supplies stand-alone analytical and decisioning software that customers can customize for a broad spectrum of business needs. Conversely, the Scores segment offers both business-to-business (B2B) and business-to-consumer (B2C) solutions. Its B2B scoring services empower corporate clients with analytics that can be integrated directly into their transaction flows and decision frameworks. For individual consumers, the segment provides B2C scoring via offerings such as myFICO.com subscriptions. FICO markets its diverse product and service portfolio primarily through its dedicated direct sales force, various indirect distribution channels, and its online presence. Established in 1956 as Fair Isaac & Company, Inc., the company officially adopted the name Fair Isaac Corporation in July 1992 and maintains its headquarters in Bozeman, Montana.

https://www.fico.com

Key executives

NameTitlePayBorn
William J. LansingPresident, Chief Executive Officer & Director$2.0M1958
Nikhil BehlPresident of Software$909,4901974
Mark Russell ScadinaExecutive Vice President, General Counsel & Corporate Secretary$884,1761969
Richard Shawn DealExecutive Vice President & Chief Human Resources Officer$708,1771967
Steven WeberExecutive Vice President & Chief Financial Officer$703,585—
Dave SingletonVice President of Investor Relations——
John ChenManaging Director of China Operations——
Michael S. LeonardVice President & Chief Accounting Officer—1965

Executive pay, latest proxy

ExecutiveYearSalaryStock awardsIncentiveTotal
William Lansing Chief Executive Officer2025$750,000$34.1M$1.1M$36.0M
Nikhil Behl President, Software2025$500,000$6.8M$350,000$7.7M
James Wehmann Former President, Scores2025$490,385$6.8M$0$7.3M
Mark Scadina Executive Vice President, General Counsel2025$400,000$6.3M$275,000$7.1M
Richard Deal Executive Vice President, Chief Human Resources Officer2025$400,000$6.3M$250,000$7.0M
Steven Weber Executive Vice President and Chief Financial Officer2025$400,000$6.3M$250,000$7.0M

Employees

4k20184k20194k20204k20213k20223k20234k20244k2025

Dividends

Ex-dateAmountPaid
2017-03-01$0.022017-03-17
2016-11-30$0.022016-12-16
2016-09-12$0.022016-09-28
2016-05-23$0.022016-06-08
2016-03-07$0.022016-03-18
2015-11-30$0.022015-12-16
2015-09-14$0.022015-09-30
2015-05-22$0.022015-06-10

Moat model

Narrow · Intangible Assets · 2026-06-30
Cost advantage83
Intangibles84
Switching costs50
Network effect77
Efficient scale40
Our component scores (0-100) and overall 67.7; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

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