Technology · Software - Application
Price
$1,166.18
Market Cap
$27.0B
Employees
3,718
Beta
1.28
Avg Volume
362,914
CEO
William J. Lansing
Business Description
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.
Business History
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALCStock Price / EPS (Diluted)
43.35
Stock Price: $1,166
EPS (Diluted): 26.90
EPS (Diluted): 26.90
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
-20.78
Stock Price: $1,166
Total Equity: -$1.75B
Shares: 24,561,000
Total Equity: -$1.75B
Shares: 24,561,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
41.23
Market Cap: $27.04B
Total Debt: $3.06B
Cash: $134.14M
EBITDA: $951.19M
Total Debt: $3.06B
Cash: $134.14M
EBITDA: $951.19M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$39.2B
Market Cap: $27.04B
Total Debt: $3.06B
Cash: $134.14M
Total Debt: $3.06B
Cash: $134.14M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
82.2%
Gross Profit: $1.64B
Revenue: $1.99B
Revenue: $1.99B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
46.5%
Operating Income: $924.85M
Revenue: $1.99B
Revenue: $1.99B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
32.7%
Net Income: $651.95M
Revenue: $1.99B
Revenue: $1.99B
ROE (Profit from shareholder equity)
CALCNet Income / Total Equity
-37.3%
Net Income: $651.95M
Total Equity: -$1.75B
Total Equity: -$1.75B
ROIC (Profit from all invested capital)
CALCNOPAT / Invested Capital
63.9%
Operating Income: $924.85M
Tax Rate: 18.8%
Equity: -$1.75B
Total Debt: $3.06B
Cash: $134.14M
Tax Rate: 18.8%
Equity: -$1.75B
Total Debt: $3.06B
Cash: $134.14M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.83
Current Assets: $705.17M
Current Liabilities: $849.22M
Current Liabilities: $849.22M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
-1.75
Short-Term Debt: $399.54M
Long-Term Debt: $2.66B
Total Debt: $3.06B
Total Equity: -$1.75B
Long-Term Debt: $2.66B
Total Debt: $3.06B
Total Equity: -$1.75B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$81.06
Revenue: $1.99B
Shares: 24,561,000
Shares: 24,561,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$-71.08
Total Equity: -$1.75B
Shares: 24,561,000
Shares: 24,561,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$31.35
Operating CF: $778.81M
CapEx: -$8.92M
Shares: 24,561,000
CapEx: -$8.92M
Shares: 24,561,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $1,166
Stock Price: $1,166
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $651.95M
Net Income: $651.95M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares FICO against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 7:36pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| 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 |
| Operating Expenses | $478.6M | $532.7M | $559.7M | $635.7M | $712.3M |
| Operating Income | $505.5M | $542.4M | $642.8M | $733.6M | $924.9M |
| Net Income | $392.1M | $373.5M | $429.4M | $512.8M | $651.9M |
| EBITDA | $538.8M | $560.7M | $663.8M | $761.5M | $951.2M |
| EPS | $13.65 | $14.34 | $17.18 | $20.78 | $26.90 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 7:36pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $195.4M | $133.2M | $136.8M | $150.7M | $134.1M |
| Total Current Assets | $551.0M | $484.7M | $556.4M | $617.4M | $705.2M |
| Total Assets | $1.6B | $1.4B | $1.6B | $1.7B | $1.9B |
| 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 |
| Total Equity | -$110.9M | -$801.9M | -$688.0M | -$962.7M | -$1.7B |
| Retained Earnings | $2.6B | $3.0B | $3.4B | $3.9B | $4.6B |
Cash Flow (Annual)
Last updated: Jun 21, 2026 7:36pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $423.8M | $509.5M | $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 |
| Acquisitions (net) | $-210,000 | $0 | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$874.2M | -$1.1B | -$405.5M | -$821.7M | -$1.4B |
| Net Change in Cash | $38.0M | -$62.2M | $3.6M | $13.9M | -$16.5M |
Analyst Estimates (Annual)
Last updated: Jun 26, 2026 10:03am (22h ago)| Metric | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|
| Revenue |
$2.9B $2.9B – $3.0B
|
$3.3B $3.3B – $3.3B
|
$3.5B $3.4B – $3.7B
|
$3.8B $3.7B – $4.0B
|
| EBITDA |
$1.3B $1.3B – $1.3B
|
$1.4B $1.4B – $1.4B
|
$1.5B $1.5B – $1.6B
|
$1.7B $1.6B – $1.7B
|
| Net Income |
$1.3B $1.3B – $1.4B
|
$1.3B $1.2B – $1.9B
|
$1.5B $1.4B – $1.5B
|
$2.1B $2.0B – $2.2B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 7:36pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +4.6% | +9.9% | +13.5% | +15.9% |
| Gross Profit Growth | +9.2% | +11.9% | +13.9% | +19.6% |
| Operating Income Growth | +7.3% | +18.5% | +14.1% | +26.1% |
| Net Income Growth | -4.7% | +14.9% | +19.4% | +27.1% |
| EBITDA Growth | +4.1% | +18.4% | +14.7% | +24.9% |
Dividend History (Last 20)
Last updated: Jun 21, 2026 7:36pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2017-03-01 | $0.02 | 2017-02-16 | 2017-03-03 | 2017-03-17 |
| 2016-11-30 | $0.02 | 2016-10-28 | 2016-12-02 | 2016-12-16 |
| 2016-09-12 | $0.02 | 2016-08-26 | 2016-09-14 | 2016-09-28 |
| 2016-05-23 | $0.02 | 2016-05-12 | 2016-05-25 | 2016-06-08 |
| 2016-03-07 | $0.02 | 2016-02-26 | 2016-03-09 | 2016-03-18 |
| 2015-11-30 | $0.02 | 2015-10-29 | 2015-12-02 | 2015-12-16 |
| 2015-09-14 | $0.02 | 2015-08-27 | 2015-09-16 | 2015-09-30 |
| 2015-05-22 | $0.02 | 2015-05-14 | 2015-05-27 | 2015-06-10 |
| 2015-03-05 | $0.02 | 2015-02-25 | 2015-03-09 | 2015-03-18 |
| 2014-12-01 | $0.02 | 2014-10-29 | 2014-12-03 | 2014-12-17 |
| 2014-09-08 | $0.02 | 2014-08-20 | 2014-09-10 | 2014-09-24 |
| 2014-05-23 | $0.02 | 2014-05-14 | 2014-05-28 | 2014-06-11 |
| 2014-02-20 | $0.02 | 2014-02-12 | 2014-02-24 | 2014-03-12 |
| 2013-12-02 | $0.02 | 2013-11-06 | 2013-12-04 | 2013-12-18 |
| 2013-09-05 | $0.02 | 2013-08-21 | 2013-09-09 | 2013-09-25 |
| 2013-05-23 | $0.02 | 2013-05-15 | 2013-05-28 | 2013-06-12 |
| 2013-02-21 | $0.02 | 2013-02-13 | 2013-02-25 | 2013-03-13 |
| 2012-12-03 | $0.02 | 2012-11-07 | 2012-12-05 | 2012-12-19 |
| 2012-09-06 | $0.02 | 2012-08-22 | 2012-09-10 | 2012-09-26 |
| 2012-05-10 | $0.02 | 2012-05-01 | 2012-05-14 | 2012-05-30 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for FICO — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30