Saturday 17 October 2026
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Fair Isaac Corporation
FICO Technology Software Application
Fair Isaac Corporation’s revenue for fiscal 2025 (year ended September 2025) was $2.0 billion, up 15.9% from fiscal 2024. In the quarter to June 2026, revenue grew 25.7%, EPS grew 39.7%, free cash flow grew 34.1% and total debt rose 100.8%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years, revenue growth for ten, operating cash flow growth for three.
766.47
3.46
−0.45%
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| Sep '16 | Sep '17 | Sep '18 | Sep '19 | Sep '20 | Sep '21 | Sep '22 | Sep '23 | Sep '24 | Sep '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | 7 | 5 | 8 | 7 | 6 | 8 | 9 | 8 | 7 |
P/E ratio |
35.39 | 34.19 | 54.11 | 45.78 | 52.26 | 29.13 | 28.67 | 50.24 | 93.53 | 55.63 |
P/S ratio |
4.40 | 4.70 | 6.76 | 7.58 | 9.55 | 8.69 | 7.79 | 14.26 | 27.92 | 18.22 |
Altman Z-Score |
5.90 | 6.13 | 6.88 | 7.89 | 9.23 | 8.29 | 8.07 | 11.22 | 16.49 | 12.04 |
Altman Z″-Score (non-manufacturers) |
5.59 | 5.58 | 5.12 | 5.74 | 6.45 | 7.44 | 9.54 | 10.22 | 10.80 | 10.26 |
P/FCF ratio |
20.60 | 21.33 | 35.25 | 37.21 | 36.06 | 27.47 | 21.31 | 46.44 | 78.96 | 49.06 |
P/Operating CF |
119.18 | 80.97 | 112.71 | 92.19 | 90.79 | 124.62 | 74.09 | 131.53 | 211.76 | 162.18 |
Beneish M-Score |
(2.81) | (2.85) | (2.39) | (2.62) | (2.73) | (2.79) | (3.06) | (2.41) | (2.63) | (2.65) |
P/B ratio |
8.68 | 10.29 | 23.51 | 30.36 | 37.35 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Sales |
4.96 | 5.23 | 7.43 | 8.20 | 10.07 | 9.49 | 9.04 | 15.40 | 29.12 | 19.69 |
EV/EBITDA |
21.73 | 22.39 | 36.16 | 33.37 | 39.96 | 23.53 | 22.12 | 35.44 | 66.92 | 41.71 |
EV/Operating CF |
20.80 | 21.67 | 33.32 | 36.54 | 35.74 | 29.49 | 24.44 | 49.69 | 79.02 | 50.33 |
EV/FCF |
23.22 | 23.76 | 38.76 | 40.25 | 38.03 | 30.02 | 24.73 | 50.15 | 82.34 | 53.01 |
Quick Ratio |
0.99 | 0.84 | 0.75 | 0.82 | 1.19 | 0.91 | 1.37 | 1.43 | 1.52 | 0.78 |
Current Ratio |
1.09 | 0.95 | 0.84 | 0.93 | 1.29 | 0.99 | 1.46 | 1.51 | 1.62 | 0.83 |
Net Debt/EBITDA |
2.46 | 2.29 | 3.28 | 2.52 | 2.07 | 2.00 | 3.06 | 2.62 | 2.75 | 3.11 |
Debt/Assets |
46.75% | 48.17% | 57.42% | 57.54% | 51.95% | 80.31% | 128.55% | 118.18% | 128.59% | 163.57% |
Debt/Equity |
1.28 | 1.42 | 2.66 | 2.85 | 2.52 | (11.35) | (2.31) | (2.71) | (2.29) | (1.75) |
Asset Turnover |
0.72 | 0.76 | 0.77 | 0.84 | 0.85 | 0.83 | 0.92 | 1.00 | 1.04 | 1.11 |
Operating CF/Net income |
1.92 | 1.69 | 1.76 | 1.36 | 1.54 | 1.08 | 1.36 | 1.09 | 1.23 | 1.19 |
Capex/Depreciation |
(0.69) | (0.55) | (1.04) | (0.76) | (0.72) | (0.30) | (0.29) | (0.29) | (1.85) | (2.64) |
Interest Coverage |
6.37 | 7.06 | 5.60 | 6.38 | 7.02 | 12.61 | 7.86 | 6.73 | 6.94 | 6.92 |
| 24.77% | 30.55% | 35.43% | 66.57% | 76.16% | 356.21% | (81.84%) | (57.64%) | (62.13%) | (48.14%) | |
| 8.93% | 10.78% | 9.78% | 13.90% | 15.55% | 24.71% | 24.82% | 28.46% | 31.14% | 36.36% | |
ROIC |
11.26% | 12.30% | 11.40% | 15.72% | 18.35% | 33.16% | 36.91% | 38.75% | 41.85% | 49.16% |
Return on Tangible Assets |
164.13% | 534.10% | (441.06%) | 1,073.02% | 142.43% | 1,992.30% | 218.65% | 214.98% | 186.08% | (854.04%) |
Average Days of Receivables |
69.49 | 65.81 | 97.35 | 93.58 | 94.22 | 86.53 | 85.44 | 93.55 | 90.67 | 97.01 |
Research and Development Expense of Revenue |
11.76% | 11.86% | 12.84% | 12.89% | 12.86% | 13.01% | 10.66% | 10.57% | 10.01% | 9.46% |
Selling, General and Administrative Expense of Revenue |
37.32% | 36.06% | 37.69% | 35.69% | 32.52% | 30.10% | 27.87% | 26.47% | 26.95% | 25.77% |
Intangible Assets out of Total Assets |
0.68 | 0.66 | 0.61 | 0.57 | 0.51 | 0.51 | 0.53 | 0.49 | 0.46 | 0.42 |
Share Based Compensation of Revenue |
6.30% | 6.55% | 7.48% | 7.15% | 7.24% | 8.54% | 8.38% | 8.18% | 8.70% | 7.87% |
Graham Net Nets |
(0.13) | (0.12) | (0.10) | (0.08) | (0.06) | (0.10) | (0.16) | (0.08) | (0.04) | (0.08) |
Graham Number |
33.72 | 35.97 | 30.25 | 38.62 | 45.67 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
2.83% | 2.92% | 1.85% | 2.18% | 1.91% | 3.43% | 3.49% | 1.99% | 1.07% | 1.80% |
Free Cash Flow Yield |
4.86% | 4.69% | 2.84% | 2.69% | 2.77% | 3.64% | 4.69% | 2.15% | 1.27% | 2.04% |
Revenue per Share |
28.31 | 30.30 | 33.66 | 40.03 | 44.54 | 45.82 | 52.89 | 60.58 | 69.60 | 82.13 |
Operating CF per Share |
6.75 | 7.31 | 7.51 | 8.98 | 12.55 | 14.75 | 19.56 | 18.77 | 25.65 | 32.13 |
Capex per Share |
(0.71) | (0.64) | (1.05) | (0.83) | (0.76) | (0.26) | (0.23) | (0.17) | (1.04) | (1.63) |
Free Cash Flow per Share |
6.05 | 6.67 | 6.45 | 8.16 | 11.80 | 14.49 | 19.33 | 18.60 | 24.62 | 30.50 |
Cash per Share |
2.44 | 3.42 | 3.03 | 3.67 | 5.41 | 6.80 | 5.11 | 5.47 | 6.11 | 5.53 |
Shareholders Equity per Share |
14.35 | 13.82 | 9.67 | 10.00 | 11.39 | (3.86) | (30.79) | (27.53) | (39.01) | (72.02) |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
14.35 | 13.82 | 9.67 | 10.00 | 11.39 | (3.86) | (30.79) | (27.53) | (39.01) | (72.02) |
Free Cash Flow |
188.30 | 205.82 | 191.75 | 236.37 | 342.93 | 416.25 | 503.42 | 464.68 | 607.41 | 739.40 |
Working Capital |
21.56 | (15.72) | (77.51) | (35.12) | 119.57 | (8.23) | 153.26 | 188.76 | 237.13 | (144.05) |
Capital Expenditures |
(21.97) | (19.83) | (31.30) | (23.98) | (21.99) | (7.57) | (6.03) | (4.24) | (25.55) | (39.41) |
Net Current Asset Value |
(506.21) | (518.15) | (646.64) | (687.97) | (741.08) | (1,127.74) | (1,759.27) | (1,706.82) | (2,063.15) | (2,908.75) |
EV/EBIT |
25.79 | 26.84 | 42.38 | 37.52 | 44.06 | 24.72 | 22.95 | 36.25 | 68.18 | 42.38 |
Capex to Sales |
0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 |
Price to Operating Income |
22.87 | 24.10 | 38.54 | 34.69 | 41.78 | 22.62 | 19.78 | 33.57 | 65.37 | 39.22 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.70 | 0.89 | 0.62 | 0.60 | 0.65 | 0.92 | 1.16 | 1.33 | 0.36 | 0.22 |
Cash ROIC |
17.22% | 18.10% | 16.80% | 19.36% | 25.92% | 30.98% | 42.49% | 35.46% | 43.48% | 51.20% |
Accounts Receivable Turnover |
5.40 | 5.56 | 4.59 | 4.11 | 4.10 | 4.07 | 4.34 | 4.26 | 4.22 | 4.17 |
Accounts Payable Turnover |
12.39 | 13.55 | 15.74 | 15.53 | 15.65 | 15.19 | 15.89 | 17.15 | 16.79 | 12.91 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
31.59 | 24.76 | 23.62 | 25.05 | 23.28 | 22.78 | 20.86 | 22.31 | 23.56 | 33.35 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
163.28 | 168.19 | 217.66 | 282.08 | 315.80 | 323.14 | 317.26 | 355.18 | 407.29 | 477.90 |
Average Payables |
21.40 | 21.23 | 19.88 | 21.68 | 23.08 | 21.89 | 19.01 | 18.14 | 20.74 | 27.39 |
Average Assets |
1,225.42 | 1,238.15 | 1,293.04 | 1,381.96 | 1,519.84 | 1,587.01 | 1,504.91 | 1,508.66 | 1,646.58 | 1,793.01 |
Average Common Equity |
441.91 | 436.68 | 356.99 | 288.60 | 310.42 | 110.07 | (456.44) | (744.97) | (825.33) | (1,354.23) |
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