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FICO · Fair Isaac Corp · Financials

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$694.83 -13.24 (-1.87%)
Market Cap
$15.29B
Shares
21.60M
Volume · Oct 27 174.77K Avg daily vol (3M) 712.36K

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Revenue
$1.99B +15.9%
FY2025 Revenue FY2008–FY2025
Net Income
$651.95M +27.1%
FY2025 Net Income FY2008–FY2025
Gross Margin
82.23% +2.5pp
FY2025 Gross Margin FY2008–FY2025
Operating Margin
46.45% +3.7pp
FY2025 Operating Margin FY2008–FY2025
Diluted EPS
$26.54 +29.8%
FY2025 Diluted EPS FY2008–FY2025
Operating Cash Flow
$778.81M +23%
FY2025 Operating Cash Flow FY2008–FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Line Item FY2026 (G) TTM FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018 FY2017 FY2016 FY2015 FY2014 FY2013 FY2012 FY2011 FY2010 FY2009 FY2008
$2.53B $2.39B $1.99B $1.72BG $1.51BG $1.38BG $1.32B $1.29B $1.16B $1.03B $932.17M $881.36M $838.78M $788.99M $743.44M $676.42M $619.68M $605.64M $630.74M $744.84M
— $356.65M $353.72M $348.21M $311.05M $302.17M $332.46M $361.14M $336.85M $312.9M $287.61M $265.17M $270.54M $249.28M $229.47M $197.95M $186.47M $180.93M $206.45M $274.92M
— $2.04B $1.64B $1.37B $1.2B $1.08B $984.07M $933.42M $823.24M $719.58M $644.56M $616.18M $568.25M $539.7M $513.98M $478.48M $433.21M $424.71M $424.29M $469.93M
— — 82.23% 79.73% 79.45% 78.06% 74.75% 72.1% 70.96% 69.69% 69.15% 69.91% 67.75% 68.4% 69.13% 70.74% 69.91% 70.13% 67.27% 63.09%
— $208.49M $188.35M $171.94M $159.95M $146.76M $171.23M $166.5M $149.48M $128.38M $110.87M $103.67M $98.82M $83.44M $66.97M $59.53M $62.13M $73.58M $73.63M $77.79M
— $581.21M $513.03M $462.83M $400.57M $383.86M $396.28M $420.93M $414.09M $376.91M $337.17M $328.94M $300M $278.2M $268.4M $238.52M $223.62M $225.26M $209.32M $245.64M
— — $0 $917K $1.1M $2.06M $3.26M $4.99M $6.13M $6.59M $12.71M $13.98M $13.67M $11.92M $13.54M $6.94M $7.74M $10.9M $12.89M $14.04M
— $16.14M $14.95M $13.83M $14.64M $20.47M $25.59M $30.37M $31.61M $30.18M $36.21M $31.63M $33.89M $32.63M $33.21M $21.55M $24.2M $30.92M $38.42M $39.49M
— — $10.92M $0 $0 $0 $7.96M $11.77M $0 $0 $4.5M $0 $17.5M $4.1M $2.72M $3.98M $12.39M $1.62M $8.71M $10.17M
— $1.16B $1.07B $983.9M $870.73M $834.86M $811.05M $998.59M $906.54M $824.79M $752.82M $711.76M $701.28M $627.12M $581.85M $508.07M $492.35M $492.29M $513.99M $622.56M
— $1.24B $924.85M $733.63M $642.83M $542.41M $505.49M $295.97M $253.55M $175.36M $182.16M $169.59M $137.51M $161.87M $161.59M $168.36M $127.34M $113.35M $116.75M $122.28M
— — 46.45% 42.71% 42.47% 39.38% 38.4% 22.86% 21.86% 16.98% 19.54% 19.24% 16.39% 20.52% 21.74% 24.89% 20.55% 18.72% 18.51% 16.42%
— $1.25B $939.8M $747.46M $657.47M $562.88M $531.08M $326.34M $285.16M $205.54M $218.37M $201.23M $171.39M $194.5M $194.81M $189.91M $151.53M $144.27M $155.17M $161.78M
— $186.34M $133.65M $105.64M $95.55M $68.97M $40.09M $42.18M $39.75M $31.31M $25.79M $26.63M $29.15M $28.55M $30.23M $31.42M $32.36M $24.12M $25.48M $20.34M
— — — — — — — — — — — — — — $54K $317K $2.19M $1.69M $4.72M $8.8M
— $15.12M $11.39M $14.03M $6.34M -$2.14M $7.75M $3.21M $2.28M $12.88M -$86K $1.61M $883K -$187K $618K -$698K $290K $1.39M $1.59M $2.25M
— $1.07B $802.6M $642.03M $553.62M $471.31M $473.14M $257M $216.07M $156.93M $156.28M $144.57M $109.24M $133.13M $131.98M $136.24M $97.46M $92.3M $97.57M $113M
— $250.06M $150.65M $129.21M $124.25M $97.77M $81.06M $20.59M $23.95M $30.45M $22.87M $35.12M $22.74M $38.25M $41.89M $44.24M $25.89M $27.85M $32.11M $31.81M
— $815.02M $651.95M $512.81M $429.38M $373.54M $392.08M $236.41M $192.12M $126.48M $133.41M $109.45M $86.5M $94.88M $90.1M $92M $71.56M $64.46M $65.1M $83.95M
— — 32.75% 29.86% 28.37% 27.12% 29.78% 18.26% 16.56% 12.25% 14.31% 12.42% 10.31% 12.03% 12.12% 13.6% 11.55% 10.64% 10.32% 11.27%
— — — — — — — — — — — — — — — — $71.56M $64.46M $65.47M —
— $807.21M $651.53M $523.33M $451.93M $324.69M $399.23M $243.5M $178.46M $116.56M $143.93M $83.15M $58.98M $92.6M $85M $97.91M $69.53M $62.21M — —
USD/shares — $34.81 $26.90 $20.78 $17.18 $14.34 $13.65 $8.13 $6.63 $4.26 $4.32 $3.52 $2.75 $2.80 $2.55 $2.64 $1.82 $1.44 $1.34 $1.72
USD/shares $36.86 $34.61 $26.54 $20.45G $16.93G $14.18G $13.40 $7.90 $6.34 $4.06 $4.14 $3.39 $2.65 $2.72 $2.48 $2.55 $1.79 $1.42 $1.33 $1.70
shares — — 24.24M 24.68M 24.99M 26.04M 28.73M 29.07M 28.98M 29.71M 30.86M 31.13M 31.4M 33.87M 35.33M 34.91M 39.36M 44.9M 48.66M 48.94M
shares — — 24.56M 25.08M 25.37M 26.35M 29.26M 29.93M 30.29M 31.18M 32.25M 32.31M 32.61M 34.86M 36.29M 36.06M 39.99M 45.31M 48.78M 49.37M
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative. (G): the company's own guidance — a (G) column is a guided period not yet reported; a G marker shows how the reported figure landed against the guided range. Non-GAAP-basis guidance (*) is shown as stated and never judged against GAAP actuals.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2008–FY2025: $6.8B in buybacks, $29.08M in dividends.

Debt Profile

Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.

Latest reported total
USD 3,600,000,000
As of Mar 31, 2026
Tracked instruments
2
Loans, facilities and note series
Annual baseline
—
Latest approved annual total
Reported total debt history
As of Reported label Amount Source
2026-03-31 Total debt balance USD 3,600,000,000 10-Q filed 2026-04-28
Total debt balance was $3.6 billion as of March 31, 2026, compared with $3.1 billion as of September 30, 2025.
2025-09-30 Total debt balance USD 3,100,000,000 10-Q filed 2026-04-28
Total debt balance was $3.6 billion as of March 31, 2026, compared with $3.1 billion as of September 30, 2025.

Reported debt balances

Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.

Reported balanceAs ofAmountSource
Long-term debt, including current maturities 2026-06-30 USD 5,582,389,000 10-Q filed 2026-07-29
Related accounting measures — not additional borrowing

Carrying amounts can reflect issuance costs or discounts. Differences between these measures are not necessarily repayments due within a year.

Current portion of long-term debt
USD 300,000,000
Noncurrent debt carrying amount
USD 5,282,389,000
Noncurrent operating lease liabilities 2026-06-30 USD 15,621,000 10-Q filed 2026-07-29
Instrument and agreement coverage is incomplete. Additional filings are awaiting review.
2 filings have incomplete source or extraction coverage. Verified observations are shown; missing observations do not establish that debt was unchanged.

Covenants

Covenant terms have not yet been verified for this profile.

The balance figures do not establish whether covenants apply or whether the company complies with them.

Loans, facilities and notes

6.250% Senior Notes due 2034

Note · Fair Isaac Corporation

Reference: 6.250% Senior Notes due 2034

Active
Original principal
USD 1,000,000,000
Outstanding
—
Commitment
—
Availability
—
Maturity
Sep 15, 2034

Last reported interest terms: 6.25% Reported 2026-03-20 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history
  1. Issuance · 2026-03-20 Original principal USD 1,000,000,000 Exact source document Parent 8-K filing · 2026-03-20
    On March 20, 2026, Fair Isaac Corporation (the “Company”) closed its previously announced private offering to eligible purchasers of $1.0 billion aggregate principal amount of 6.250% Senior Notes due 2034 (the “Notes”). The Notes were issued pursuant to the Indenture dated as of March 20, 2026 (the “Indenture”), by and between the Company and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”).
    Issuer evidence: On March 20, 2026, Fair Isaac Corporation (the “Company”) closed its previously announced private offering to eligible purchasers of $1.0 billion aggregate principal amount of 6.250% Senior Notes due 2034 (the “Notes”). The Notes were issued pursuant to the Indenture dated as of March 20, 2026 (the “Indenture”), by and between the Company and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”).
    Supporting evidence: The Company will pay interest on the Notes semi-annually on March 15 and September 15. Interest on the Notes will accrue from March 20, 2026 at a rate of 6.250% per annum, and the first interest payment date for the Notes will be September 15, 2026. The Notes will mature on September 15, 2034. The Company may redeem some or all of the Notes at any time prior to March 15, 2029, at a redemption price equal to 100% of the principal amount of the Notes to be redeemed, plus a make-whole premium and accrued and unpaid interest on the Notes to the redemption date. Prior to March 15, 2029, the Company may also redeem up to 40% of the Notes with the net proceeds from certain equity offerings at a redemption price of 106.250% of the principal amount of the Notes to be redeemed plus accrued and unpaid interest on the Notes to the redemption date. Thereafter, the Company may redeem the Notes in whole or in part at a redemption price equal to the percentage of the principal amount as set forth in the Indenture.
    Supporting evidence: On March 20, 2026, Fair Isaac Corporation (the “Company”) closed its previously announced private offering to eligible purchasers of $1.0 billion aggregate principal amount of 6.250% Senior Notes due 2034 (the “Notes”). The Notes were issued pursuant to the Indenture dated as of March 20, 2026 (the “Indenture”), by and between the Company and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”).
    Supporting evidence: On March 20, 2026, Fair Isaac Corporation (the “Company”) closed its previously announced private offering to eligible purchasers of $1.0 billion aggregate principal amount of 6.250% Senior Notes due 2034 (the “Notes”). The Notes were issued pursuant to the Indenture dated as of March 20, 2026 (the “Indenture”), by and between the Company and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”).

6.250% Senior Notes due 2034

Note · Fair Isaac Corporation

Reference: 6.250% Senior Notes due 2034

Active
Original principal
USD 1,000,000,000
Outstanding
—
Commitment
—
Availability
—
Maturity
—

Last reported interest terms: 6.25% Reported 2026-03-20 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history
  1. Issuance · 2026-03-20 Original principal USD 1,000,000,000 Exact source document Parent 8-K filing · 2026-03-20
    WHEREAS, the Company has duly authorized the creation of and issue of $1,000,000,000 aggregate principal amount of 6.250% Senior Notes due 2034 (the “*Initial* *Notes*”) and the execution and delivery of this Indenture.
    Issuer evidence: INDENTURE, dated as of March 20, 2026, between Fair Isaac Corporation, a Delaware corporation (the “*Company*”), and U.S. Bank Trust Company, National Association, as Trustee.
    Supporting evidence: WHEREAS, the Company has duly authorized the creation of and issue of $1,000,000,000 aggregate principal amount of 6.250% Senior Notes due 2034 (the “*Initial* *Notes*”) and the execution and delivery of this Indenture.
    Supporting evidence: WHEREAS, the Company has duly authorized the creation of and issue of $1,000,000,000 aggregate principal amount of 6.250% Senior Notes due 2034 (the “*Initial* *Notes*”) and the execution and delivery of this Indenture.

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue
8.62×
Peer median 5.38×
EV/EBIT
16.68×
Peer median 31.56×
P/E (TTM)
20.46×
Peer median 31.31×

Peer medians compare against the 78 similar-size Software - Application companies (of 232 listed).

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Segment (USD)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
Scores $1,168,575,000 $919,650,000 $773,828,000 $706,643,000 $654,147,000 $528,547,000 $421,177,000 $335,870,000
Software $822,294,000 $797,876,000 $739,729,000 $670,627,000 $662,389,000 $766,015,000 $738,906,000 —
Applications — — — — — $602,046,000 $605,034,000 $564,375,000
Decision Management Software — — — — — $163,969,000 $133,872,000 $99,901,000

By Geography (USD)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
Americas $1,732,385,000 $1,449,888,000 $1,286,950,000 $1,130,711,000 $1,049,933,000 $992,225,000 $872,452,000 —
EMEA $159,803,000 $169,526,000 $141,364,000 $147,299,000 $190,396,000 $203,584,000 $195,186,000 $169,592,000
Asia Pacific $98,681,000 $98,112,000 $85,243,000 $99,260,000 $76,207,000 $98,753,000 $92,445,000 $84,007,000
Latin America — — — — — — — $45,537,000
North America — — — — — — — $701,010,000

By Product & Service (USD)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
Scores Products $1,168,575,000 $919,650,000 $773,828,000 $706,643,000 $654,147,000 $528,547,000 $421,177,000 $335,870,000
On-Premises and SaaS Software $740,145,000 $711,340,000 $640,182,000 $564,751,000 $517,888,000 $584,576,000 $556,968,000 —
Technology Service $82,149,000 $86,536,000 $99,547,000 $105,876,000 $144,501,000 $181,439,000 $181,938,000 —
Business to Business Scores — — — $475,442,000 $446,538,000 $381,929,000 $302,103,000 —
Business to Consumer Scores — — — $231,201,000 $207,609,000 $146,618,000 $119,074,000 —
Non Platform Software — — — $448,499,000 $451,004,000 $518,911,000 $517,793,000 —
On-Premises Products — — — — — $465,971,000 $468,552,000 $423,334,000
On Premises Software — — — $280,649,000 $266,452,000 $347,532,000 $342,848,000 —
Platform Software — — — $116,252,000 $66,884,000 $65,665,000 $39,175,000 —
SaaS Products — — — — — $300,044,000 $270,354,000 $240,942,000
SaaS Software — — — $284,102,000 $251,436,000 $237,044,000 $214,120,000 —
Transactional and Maintenance — — — — — $973,933,000 $860,948,000 —
License — — — — — $137,589,000 $115,040,000 —

Segment Operating Income

Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.

By Segment (USD)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
Scores $1,026,243,000 $813,354,000 $681,071,000 $619,355,000 $563,609,000 $454,310,000 $361,356,000 $272,418,000
Software $247,694,000 $257,529,000 $241,191,000 $183,122,000 $107,101,000 $130,066,000 $126,046,000 —
Applications — — — — — $153,541,000 $161,162,000 $143,964,000
Decision Management Software — — — — — -$23,475,000 -$35,116,000 -$34,360,000

Operating Margin by Segment (%)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
Scores 87.8% 88.4% 88% 87.6% 86.2% 86% 85.8% 81.1%
Software 30.1% 32.3% 32.6% 27.3% 16.2% 17% 17.1% —
Applications — — — — — 25.5% 26.6% 25.5%
Decision Management Software — — — — — -14.3% -26.2% -34.4%
Key facts CIK 814547 CUSIP 303250104 13F (30d) 145 filings 138 filers Visit website Investor relations