Also trades as: 0TIQ.L (LSE) · $vol 1M

$688.50

-19.57 (-2.76%)

Weekly Expected Move ±17.2%

$534 $675 $815 $955 $1095

NYSE · Technology · Software - Application · Tech Score Sell · Power 46 · $15.3B mcap · 21M float · 2.70% daily turnover · Short 46% of daily vol

Credit Risk of going bust: higher than 75% of companies Debt: 26.8% of company value Bonds: $359.0M held by 341 funds, 201 bp over Treasuries → details ▾

Of US companies ranked in the third-riskiest tenth, about 1 in 140 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $32.50 (down 95%), Fair Isaac Corporation would be worth roughly what it owes.
Total debt $5.60B against a stock market value of $15.29B.
Distance to default 3.02 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $2.94B (short-term plus half of long-term), stock volatility 66.8%; Altman Z'' 12.21. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$2.0B +15.9% ▲

5Y CAGR: +9.0%

Gross Profit

$1.6B +19.6% ▲

5Y CAGR: +11.9%

Operating Income

$925M +26.1% ▲

5Y CAGR: +25.6%

Net Income

$652M +27.1% ▲

5Y CAGR: +22.5%

EPS (Diluted)

$26.54 +29.8% ▲

5Y CAGR: +27.4%

EBITDA

$951M +24.9% ▲

5Y CAGR: +23.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$1.3B	$1.4B	$1.5B	$1.7B	$2.0B
YoY Growth	+1.7%	+4.6%	+9.9%	+13.5%	+15.9%
Cost of Revenue	$332M	$302M	$311M	$348M	$354M
Gross Profit	$984M	$1.1B	$1.2B	$1.4B	$1.6B
Gross Margin	74.7%	78.1%	79.4%	79.7%	82.2%
R&D Expenses	$171M	$147M	$160M	$172M	$188M
SG&A Expenses	$396M	$384M	$401M	$463M	$513M
Operating Expenses	$479M	$533M	$560M	$636M	$712M
Operating Income	$505M	$542M	$643M	$734M	$925M
Operating Margin	38.4%	39.4%	42.5%	42.7%	46.5%
Interest Expense	$40M	$69M	$96M	$106M	$134M
Income Before Tax	$473M	$471M	$554M	$642M	$803M
Tax Expense	$81M	$98M	$124M	$129M	$151M
Net Income	$392M	$374M	$429M	$513M	$652M
Net Margin	29.8%	27.1%	28.4%	29.9%	32.7%
EPS (Diluted)	$13.40	$14.18	$16.93	$20.45	$26.54
EBITDA	$539M	$561M	$664M	$761M	$951M
Shares Outstanding	29M	26M	25M	25M	25M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$454M	$440M	$499M	$536M	$516M	$512M	$692M	$674M
Cost of Revenue	$90M	$87M	$88M	$88M	$91M	$87M	$91M	$87M
Gross Profit	$364M	$353M	$411M	$449M	$425M	$425M	$600M	$587M
Gross Margin	80.3%	80.1%	82.4%	83.7%	82.3%	83.0%	86.8%	87.1%
R&D Expenses	$44M	$45M	$45M	$47M	$51M	$50M	$54M	$54M
SG&A Expenses	$123M	$128M	$120M	$139M	$126M	$141M	$144M	$171M
Operating Expenses	$167M	$173M	$165M	$186M	$187M	$191M	$198M	$225M
Operating Income	$197M	$180M	$246M	$263M	$237M	$234M	$402M	$363M
Operating Margin	43.4%	40.8%	49.3%	48.9%	46.0%	45.7%	58.2%	53.8%
Interest Expense	$29M	$29M	$31M	$33M	$40M	$42M	$45M	$60M
Income Before Tax	$171M	$150M	$213M	$237M	$202M	$192M	$356M	$315M
Tax Expense	$36M	-$2M	$50M	$55M	$47M	$34M	$92M	$77M
Net Income	$136M	$153M	$163M	$182M	$155M	$158M	$264M	$237M
Net Margin	29.9%	34.7%	32.6%	33.9%	30.1%	30.9%	38.2%	35.2%
EPS (Diluted)	$5.44	$6.14	$6.59	$7.40	$6.42	$6.61	$11.14	$10.45
EBITDA	$204M	$183M	$248M	$274M	$246M	$238M	$404M	$379M
Shares Outstanding	25M	25M	25M	25M	24M	24M	24M	23M

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