Fair Isaac Corporation

Fair Isaac Corporation

FICO
Fair Isaac CorporationUS flagNew York Stock Exchange
949.68
USD
-16.62
- -
20.51BMarket Cap
Fair Isaac Corporation
FICO
(New York Stock Exchange)

Recent

price

949.68

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
13.49
15.74
19.38
21.04
23.29
26.71
28.31
30.3
33.66
40.03
44.54
45.82
52.89
60.58
69.6
82.13
101.93
Revenue per Share
1.44
1.82
2.64
2.55
2.8
2.75
3.52
4.32
4.26
6.63
8.13
13.65
14.34
17.18
20.78
26.9
34.71
Basic EPS, GAAP
1.97
3.1
2.99
3.17
4.8
3.88
6.05
6.67
6.45
8.16
11.8
14.49
19.33
18.6
25.29
31.76
42.42
Free Cash Flow per Basic Share
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.04
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
11.91
12.55
13.62
15.26
14.19
13.97
14.44
14.1
9.91
10.01
11.38
-4.02
-31.88
-27.78
-39.47
-73.46
-176.67
Book Value per Share
-5.47
-5.9
-9.63
-8.64
-11.65
-13.58
-12.45
-13.2
-18.2
-18.24
-16.86
-32.76
-62.22
-59.03
-71.56
-106.43
-210.81
Tangible Book Value per Share
45
39
35
35
34
31
31
31
30
29
29
29
26
25
25
24
23
Basic Weighted Avg Shares
606
620
676
743
789
839
881
935
1,000
1,160
1,295
1,317
1,377
1,514
1,718
1,991
2,394
Sales/Revenue/Turnover
18.98
22.55
25.65
22.2
21.06
18.57
19.24
19.96
17.53
21.86
26.34
31.39
39.38
42.34
42.71
47
52.11
Operating Margin (%)
31
24
22
33
33
34
32
36
30
32
30
26
20
15
14
15
16
Depreciation Expense
64
72
92
90
95
87
109
133
126
192
236
392
374
429
513
652
815
Net Income, GAAP
30.17
26.57
32.47
31.74
28.73
20.81
24.29
14.63
19.4
11.08
8.01
17.13
20.74
22.44
20.13
18.77
23.48
Effective Tax Rate (%)
10.64
11.55
13.6
12.12
12.03
10.31
12.42
14.27
12.65
16.56
18.26
29.78
27.12
28.37
29.86
32.75
34.05
Profit Margin (%)
225
218
50
83
-53
43
22
-16
-78
-35
120
-8
153
189
237
-144
136
Working Capital
512
504
455
447
376
516
494
463
529
607
813
1,063
1,863
1,836
2,216
2,675
5,298
LT Debt
475
465
474
531
455
437
447
427
287
290
331
-111
-802
-688
-963
-1,746
-4,097
Total Equity
7.42
10.33
11.84
11.32
11.83
12.09
12.48
15.59
13.61
20.88
26.75
27.92
36.9
42.77
47.21
58.53
65.73
Return on Invested Capital (%)
7.51
9.67
11.58
11.19
11.52
10.71
12.57
15.17
14.57
21
23.39
34.54
36.69
43.33
48.12
58.56
65.95
Return on Capital (%)
11.99
15.22
19.58
17.93
19.26
19.4
24.77
30.55
35.43
66.57
76.16
16.41
13.47
13.53
14.07
15.42
46.96
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'26
Mar'26
Jun'26
ST Debt
400
- -
300
LT Borrowings
2,797
3,639
5,282
LT Finance Leases
18
18
16
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
24
23
23
Market Capitalization
40,174
24,868
27,708

Working Capital

FRC

in mil. unless spec.
Dec'26
Mar'26
Jun'26
Total Current Assets
699
901
882
Cash, Cash Equivalents & STI
162
219
248
Accounts Receivable, Net
495
620
593
Inventories
- -
- -
- -
Total Current Liabilities
752
405
745
Payables & Accruals
102
135
129
ST Debt
400
- -
300
Deferred Revenue
173
183
205

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
57.66%
119.28%
81.35%
Free Cash Flow
21.77%
18.46%
23.36%
Net Income, GAAP
24.08%
24.53%
27.13%
Sales/Revenue/Turnover
9.13%
9.12%
15.91%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
382
434
448
454
1,718
2025
440
499
536
516
1,991
2026
512
692
674
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.89
5.23
5.12
- -
20.78
2025
6.26
6.67
7.49
6.48
26.9
2026
6.68
11.19
10.46
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Fair Isaac Corporation (NYSE: FICO), founded in 1956 and headquartered in Bozeman, Montana, develops and provides analytics software, predictive modeling, and decision management solutions that enable organizations to automate, enhance, and connect high-volume decisions across the customer lifecycle; its core offerings include the FICO Score, the standard measure of consumer credit risk used by 90% of top U.S. lenders and available in over 40 countries, along with FICO Score variants such as Score 10T, which demonstrates superior predictability over competitors including VantageScore 4.0, and the next-generation cash flow-based UltraFICO Score; additional products and services encompass the FICO Platform for decision orchestration, real-time fraud detection and prevention protecting over 4 billion payment accounts worldwide, customer communication services, origination management tools, customer lifecycle analytics for industries including financial services, insurance, telecommunications, health care, retail, and automotive; software solutions for risk management, compliance, and optimization; and consulting services leveraging big data, AI, machine learning, and predictive algorithms. The company operates through Scores and Software segments, serving Fortune 500 clients and maintaining a global presence with offices in the Americas, Europe, the Middle East, Africa, Asia Pacific, including locations in the U.S. (San Jose, California; Roseville, Minnesota; others), Australia, Brazil, Canada, China, Germany, India, Italy, Japan, South Korea, and the United Kingdom. Recent developments include the November 2025 launch of the FICO Mortgage Direct License Program, enabling direct delivery of FICO Scores to mortgage lenders via partners and bypassing traditional credit bureaus to streamline access, reduce costs by up to 50%, and modernize the $12 trillion U.S. mortgage infrastructure; a multi-year partnership with Xactus finalized in November 2025 as the first tri-merge provider for this program; strategic alliances announced in November 2025 with Plaid for the next-generation UltraFICO Score incorporating real-time cash flow data via Plaid Check to expand credit access; and with GFT Technologies for AI-driven risk management, fraud solutions, and digital onboarding using GFT's Wynxx generative AI integrated with FICO tools, targeting banks and insurers globally with early deployments in Asia and Latin America; alongside recognition as a leader in The Forrester Wave for AI Decisioning Platforms Q2 2025 and fiscal 2025 revenue of $1.99 billion reflecting 16-25% growth in Scores and strong profitability.

Company News

  • Fair Isaac Corporation $FICO Position Reduced by Corient Private Wealth LP

  • FICO European Fraud Map: UK Resilient as Other European Countries See Losses Climb by up to 21%

  • FICO European Fraud Map: UK Resilient as Other European Countries See Losses Climb by up to 21%

  • FICO Score 10T Available for FHA Mortgage Underwriting January 1, 2027

  • FICO Score 10T Available for FHA Mortgage Underwriting January 1, 2027

  • AI Agents Are About to Start Spending Your Money. 5 Stocks Sitting in the Line of Fire.

  • FICO Educational Analytics Challenge Returns for Fourth Year, Tasking Students with Building AI to Detect Cyber Attacks

  • FICO Educational Analytics Challenge Returns for Fourth Year, Tasking Students with Building AI to Detect Cyber Attacks

  • Stock of the Day: Is This the Bottom for Fair Issac?

  • California State Teachers Retirement System Buys 40,336,668 Shares of Fair Isaac Corporation $FICO

  • Stock Market Midday, Sept. 4: Stocks Edge Lower on Strong Jobs Report as Lululemon Plummets

  • Why Fair Isaac Stock Crashed Today

  • Fair Isaac Corporation $FICO Shares Sold by Barlow Wealth Partners LLC

  • Canada Pension Plan Investment Board Invests $1.74 Million in Fair Isaac Corporation $FICO

  • Caisse de depot et placement du Quebec Invests $521,000 in Fair Isaac Corporation $FICO

  • Why Is Fair Isaac (FICO) Up 1.5% Since Last Earnings Report?

  • FICO® Score Credit Insights Report: Average FICO Score Holds Steady at 714 as Consumers Show Resilience

  • Callan Family Office LLC Makes New $842,000 Investment in Fair Isaac Corporation $FICO

  • Biondo Investment Advisors LLC Purchases New Position in Fair Isaac Corporation $FICO

  • UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers