Overview
FAIR ISAAC CORP
Latest 10-K: FY2025, filed Nov 7, 2025 · Open the 10-K (Inline XBRL) ↗
- Revenue
- $1.99B
- 15.9%YoYup from FY2024
- TotalRevenue
- Gross profit
- $1.64B
- 19.6%YoYup from FY2024
- GrossProfit
- Operating income
- $0.92B
- 26.1%YoYup from FY2024
- OperatingIncome
- Net income
- $0.65B
- 27.1%YoYup from FY2024
- NetIncome
- Diluted EPS
- $26.54
- 29.8%YoYup from FY2024
- EPSDiluted
- Diluted shares
- 24.6M
- 2.1%YoYdown from FY2024
- WeightedAvgSharesDiluted
At a glance
Growth
- FAIR ISAAC CORP reported revenue of $1.99B for fiscal 2025, up 15.9% from fiscal 2024.
- Revenue grew faster than the median S&P 500 member in 3 of the last 5 fiscal years.
Profitability
- Operating margin was 46.5% and net margin was 32.7%, against a median net margin of 12.8% across S&P 500 members for the same fiscal year.
Per share
- Diluted EPS was $26.54, up 29.8% from the prior year.
Written from the filed figures on this page by fixed rules — no AI.
Data as of Oct 30, 2026 · Sources: SEC EDGAR 10-K
Financial statements
Annual figures from the 10-K, most recent fiscal year first.
Income Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $1.99B15.9%up Benchmark median 6.4% | $1.72B13.5%up Benchmark median 4.5% | $1.51B9.9%up Benchmark median 4.8% | $1.38B4.6%up Benchmark median 10.3% | $1.32B1.7%up Benchmark median 13.8% | 10.9% Benchmark median 6.6% |
| Gross Profit Median of 315 / 498 | $1.64B19.6%up Benchmark median 6.8% | $1.37B13.9%up Benchmark median 5.5% | $1.20B11.9%up Benchmark median 5.2% | $1.08B9.2%up Benchmark median 8.3% | $0.98B5.4%up Benchmark median 15.7% | 13.6% Benchmark median 6.2% |
| Operating Income Median of 373 / 498 | $924.85M26.1%up Benchmark median 7.3% | $733.63M14.1%up Benchmark median 7.4% | $642.83M18.5%up Benchmark median 4.9% | $542.41M7.3%up Benchmark median 7.5% | $505.49M70.8%up Benchmark median 23.5% | 16.3% Benchmark median 7.2% |
| Net Income | $651.95M27.1%up Benchmark median 4.8% | $512.81M19.4%up Benchmark median 5.7% | $429.38M14.9%up Benchmark median 1.9% | $373.54M4.7%down Benchmark median 1.3% | $392.08M65.8%up Benchmark median 33.9% | 13.6% Benchmark median 4.1% |
| EPS (Diluted) | $26.5429.8%up Benchmark median 6.2% | $20.4520.8%up Benchmark median 7.9% | $16.9319.4%up Benchmark median 1.9% | $14.185.8%up Benchmark median 1.5% | $13.4069.6%up Benchmark median 34.8% | 18.6% Benchmark median 5.6% |
Balance Sheet
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Total Assets | $1.87B8.7%up Benchmark median 5.6% | $1.72B9.1%up Benchmark median 3.4% | $1.58B9.2%up Benchmark median 4.1% | $1.44B8.0%down Benchmark median 2.2% | $1.57B2.4%down Benchmark median 6.7% | 4.5% Benchmark median 4.7% |
| Total Liabilities Median of 357 / 498 | $3.61B34.8%up Benchmark median 6.4% | $2.68B18.4%up Benchmark median 1.9% | $2.26B0.9%up Benchmark median 2.9% | $2.24B33.7%up Benchmark median 2.0% | $1.68B31.6%up Benchmark median 5.2% | 21.1% Benchmark median 4.4% |
| Stockholders' Equity | negative: -$1.75Bn/m Benchmark median 6.8% | negative: -$0.96Bn/m Benchmark median 5.4% | negative: -$0.69Bn/m Benchmark median 7.3% | negative: -$0.80Bn/m Benchmark median 2.5% | negative: -$0.11B133.5%down Benchmark median 9.0% | n/m Benchmark median 6.1% |
| Cash & Equivalents | $134.14M11.0%down Benchmark median 5.2% | $150.67M10.2%up Benchmark median 1.9% | $136.78M2.7%up Benchmark median 6.7% | $133.20M31.8%down Benchmark median -8.6% | $195.35M24.1%up Benchmark median -2.9% | -9.0% Benchmark median 2.0% |
| Total Debt | $3.06B38.3%up Benchmark median 2.1% | $2.21B18.7%up Benchmark median 0.2% | $1.86B0.4%up Benchmark median 0.3% | $1.85B†47.2%up Benchmark median 0.1% | $1.26B†50.9%up Benchmark median -0.1% | 24.8% Benchmark median 4.3% |
† Sum of short-term and long-term debt; the company files no total-debt line.
Cash Flow Statement
5 annual periodsChip: YoY change.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $778.81M23.0%up Benchmark median 6.3% | $632.96M35.0%up Benchmark median 4.8% | $468.92M8.0%down Benchmark median 9.9% | $509.45M20.2%up Benchmark median -0.7% | $423.82M16.1%up Benchmark median 10.7% | 16.4% Benchmark median 7.0% |
| Capital Expenditures | $8.92M0.4%up Benchmark median 5.4% | $8.88M109.7%up Benchmark median 2.8% | $4.24M29.7%down Benchmark median 11.3% | $6.03M20.3%down Benchmark median 14.0% | $7.57M65.6%down Benchmark median 8.1% | 4.2% Benchmark median 9.0% |
| Free Cash Flow Median of 378 / 498 | $769.88M23.4%up Benchmark median 7.3% | $624.08M34.3%up Benchmark median 6.1% | $464.68M7.7%down Benchmark median 8.8% | $503.42M20.9%up Benchmark median -11.3% | $416.25M21.4%up Benchmark median 10.2% | 16.6% Benchmark median 4.9% |
n/m: not meaningful — the base (the prior year, or the first year for the CAGR) was zero or negative, or a per-share figure’s share basis changed (stock split). “—” means the figure is not available.
Benchmark median = median of the companies in the benchmark universe on Dec 31 of each fiscal year, from their own 10-K filings; a change counts only companies whose prior year was positive. Each median uses every member that reports the line item; where fewer than 80% do (banks and insurers file no gross profit), the row names how many. Published where at least 250 companies report it. Updated 2026-10-27. This compares reported figures, not share-price returns. Methodology
Ratios & valuation
FY2025Every ratio read two ways: Wall Street’s popular formula and the value investor’s stricter one. Same question, same unit. Pick a ratio.
Valuation · Earnings yield
What a dollar of market value earned
1.8%
Wall Street
on net earnings
FY2024 1.1%
2.1%
Value investor
on free cash flow
FY2024 1.3%
Gap +0.3 pts: Value-investor figure 0.3 points higher
How it’s calculated
Wall Street · on net earnings
Diluted EPS ÷ fiscal-year-end share price (1 ÷ P/E)
pe_ratio (ratio table)
P/E 56.4×Value investor · on free cash flow
(Operating cash flow − capital expenditures) ÷ market capitalisation (fiscal-year-end close × weighted-average diluted shares)
free cash flow ÷ market cap
Valuation · Enterprise yield
What a dollar of enterprise value earned
2.4%
Wall Street
on EBITDA
FY2024 1.5%
2.3%
Value investor
on EBIT
FY2024 1.4%
Gap −0.1 pts: Value-investor figure 0.1 points lower
How it’s calculated
Wall Street · on EBITDA
EBITDA ÷ enterprise value (1 ÷ EV/EBITDA)
ev_ebitda (ratio table)
EV/EBITDA 42.2×Value investor · on EBIT
Operating income (EBIT) ÷ enterprise value: depreciation counts as a real cost
operating income ÷ (ev_ebitda × ebitda)
Valuation · Book yield
Net assets behind a dollar of market value
n/m
Wall Street
on book equity
FY2024 n/m
n/m
Value investor
on tangible book
FY2024 n/m
How it’s calculated
Wall Street · on book equity
Book value of equity ÷ market capitalisation (1 ÷ P/B)
pb_ratio (ratio table)
Value investor · on tangible book
Tangible book value (equity less goodwill and intangibles) ÷ market capitalisation
tangible_book_value_per_share ÷ (pb_ratio × book_value_per_share)
Quality · Return on capital
Profit earned on the money in the business
n/m
Wall Street
ROE: net income ÷ equity
FY2024 n/m
58.3%
Value investor
ROIC: after-tax operating profit ÷ invested capital
FY2024 48.8%
How it’s calculated
Wall Street · ROE: net income ÷ equity
Net income ÷ average stockholders' equity (start and end of year), including noncontrolling interests. Buybacks shrink equity and lift it.
return_on_equity (ratio table)
Value investor · ROIC: after-tax operating profit ÷ invested capital
Operating profit after tax ÷ invested capital (total assets − cash − non-interest-bearing current liabilities), so leverage cannot flatter it
roic (ratio table)
Quality · Cash margin
Cash profit kept from each dollar of sales
47.2%
Wall Street
EBITDA margin
FY2024 43.5%
38.7%
Value investor
Free-cash-flow margin
FY2024 36.3%
Gap −8.5 pts: Value-investor figure 8.5 points lower
How it’s calculated
Wall Street · EBITDA margin
EBITDA ÷ revenue
ebitda ÷ revenue
Value investor · Free-cash-flow margin
(Operating cash flow − capital expenditures) ÷ revenue: taxes, interest, working capital and capex all paid
free cash flow ÷ revenue
Balance sheet · Liquidity
Short-term assets per dollar of bills due within a year
0.83×
Wall Street
Current ratio
FY2024 1.62×
0.83×
Value investor
Quick ratio, inventory excluded
FY2024 1.62×
Gap Same: Both views read the same
How it’s calculated
Wall Street · Current ratio
Current assets ÷ current liabilities
current_ratio (ratio table)
Value investor · Quick ratio, inventory excluded
(Current assets − inventory) ÷ current liabilities
quick_ratio (ratio table)
Balance sheet · Debt cover
How many times one year of earnings repays all debt
0.31×
Wall Street
EBITDA ÷ total debt
FY2024 0.34×
0.25×
Value investor
FCF ÷ total debt
FY2024 0.28×
Gap −0.06×: Value-investor figure 0.06 lower
How it’s calculated
Wall Street · EBITDA ÷ total debt
EBITDA ÷ total debt (short-term + long-term)
ebitda ÷ total debt
Net debt/EBITDA 3.11×Value investor · FCF ÷ total debt
Free cash flow ÷ total debt: what is actually left to repay it
free cash flow ÷ total debt
Balance sheet · Interest cover
How many times earnings pay the year's interest
7.0×
Wall Street
EBITDA ÷ interest
FY2024 7.1×
6.9×
Value investor
EBIT ÷ interest
FY2024 6.9×
Gap −0.1×: Value-investor figure 0.1 lower
How it’s calculated
Wall Street · EBITDA ÷ interest
EBITDA ÷ interest expense
ebitda_interest_coverage (ratio table)
Value investor · EBIT ÷ interest
Operating income ÷ interest expense
interest_coverage (ratio table)
Each ratio measures one thing two ways, in the same unit: the popular formula, then a stricter one, so a lower figure is the stricter reading. Gap = value-investor figure minus Wall Street figure, from the figures shown.
Price-based ratios use the fiscal-year-end closing price. Free cash flow = operating cash flow − capital expenditures (we compute it; filings rarely report it). n/m = not meaningful (denominator ≤ 0); “—” = not reported. Each ratio’s formulas are under “How it’s calculated”.
Smart money
Showing the most recent 5 annual periods. Get longer history on the Pro plan, or the full history (1993–present) plus the smart-money dataset and webhooks on Institutional.
Peers, filings & research
Research Reports
No published research on FICO yet.
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Cite this page
Data as of Oct 30, 2026. Canonical address: https://valuein.biz/data/FICO
Valuein. (2026, October 30). FAIR ISAAC CORP (FICO) financial statements, earnings power and smart-money summary [Data set]. Source: SEC EDGAR filings. https://valuein.biz/data/FICO
@misc{valuein_fico_2026,
author = {{Valuein}},
title = {FAIR ISAAC CORP (FICO) financial statements, earnings power and smart-money summary},
year = {2026},
howpublished = {\url{https://valuein.biz/data/FICO}},
note = {Data as of 2026-10-30; source: SEC EDGAR filings}
}10-K filed Nov 7, 2025 · accession 0000814547-25-000030
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