Fair Isaac Corporation FICO SPX
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Healthy ROCE of 91.9%.
- Excellent profit margin of 33.7%.
- Compounding revenue at 13.1% over 5 years.
- Profit CAGR of 20.4% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 35.1% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FICO Fair Isaac Corporation SPX | 1,250.59 | 39.69 | $29.00B | - | 91.89% | - | 13.07% | 20.40% |
| 2 | NVDA NVIDIA Corporation NDXSPXAI | 211.14 | 32.38 | $5.11T | 0.47% | 81.14% | 114.29% | 100.05% | 201.80% |
| 3 | AAPL Apple Inc. NDXSPX | 312.06 | 37.73 | $4.58T | 0.35% | 68.72% | 141.47% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXAI | 450.24 | 26.82 | $3.34T | 0.81% | 26.37% | 34.01% | 12.42% | 11.87% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AI | 418.45 | 35.86 | $2.17T | 0.91% | 32.04% | 36.21% | 18.94% | 19.57% |
| 6 | MU Micron Technology, Inc. NDXSPXAI | 971.00 | 45.87 | $1.10T | 0.06% | 14.20% | 39.82% | 6.71% | -0.57% |
| 7 | AMD Advanced Micro Devices, Inc. NDXSPXAI | 516.10 | 172.61 | $841.55B | - | 6.33% | 8.06% | 13.64% | 48.64% |
| 8 | ORCL Oracle Corporation SPXAI | 225.78 | 40.46 | $649.35B | 0.89% | 13.07% | 57.57% | 10.59% | 22.81% |
| 9 | ASML ASML Holding N.V. NDXAI | 1,612.76 | 53.76 | $621.59B | 0.54% | 43.81% | 52.24% | 15.55% | 19.55% |
Quarterly Results
Figures in USD.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 498.74M | 536.41M | 515.75M | 511.96M | 691.68M |
| Cost of Revenue | - | - | 87.63M | 87.57M | 91.18M | 87.26M | 91.20M |
| Gross Profit | - | - | 411.11M | 448.84M | 424.57M | 424.70M | 600.48M |
| Operating Expenses | - | - | 165.46M | 186.33M | 176.50M | 190.65M | 198.01M |
| Operating Income | - | - | 245.65M | 262.52M | 248.08M | 234.05M | 402.46M |
| EBITDA | - | - | 247.81M | 273.87M | 246.36M | 237.95M | 404.50M |
| Interest Expense | - | - | 31.38M | 32.90M | 39.88M | 42.01M | 44.58M |
| Pretax Income | - | - | 213.02M | 236.99M | 202.46M | 191.93M | 356.03M |
| Tax Provision | - | - | 50.40M | 55.20M | 47.45M | 33.56M | 91.57M |
| Net Income | - | - | 162.62M | 181.79M | 155.01M | 158.37M | 264.46M |
| Diluted EPS | - | - | 6.59 | 7.40 | 6.42 | 6.61 | 11.14 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 1.38B | 1.51B | 1.72B | 1.99B |
| Cost of Revenue | 302.17M | 311.05M | 348.21M | 353.72M |
| Gross Profit | 1.08B | 1.20B | 1.37B | 1.64B |
| Operating Expenses | 532.68M | 561.62M | 635.69M | 701.38M |
| Operating Income | 542.41M | 640.89M | 733.63M | 935.77M |
| EBITDA | 560.74M | 663.81M | 761.49M | 951.19M |
| Interest Expense | 68.97M | 95.55M | 105.64M | 133.65M |
| Pretax Income | 471.31M | 553.62M | 642.02M | 802.60M |
| Tax Provision | 97.77M | 124.25M | 129.21M | 150.65M |
| Net Income | 373.54M | 429.38M | 512.81M | 651.95M |
| Diluted EPS | 14.18 | 16.93 | 20.45 | 26.54 |
Compounded Sales Growth
| 5 Years: | 13.07% |
| 1 Year: | 38.70% |
Compounded Profit Growth
| 5 Years: | 20.40% |
| 1 Year: | 69.00% |
Stock Price Performance
| 1 Year: | -27.56% |
| 6 Months: | -30.91% |
| 3 Months: | -11.27% |
| 1 Month: | +19.84% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 1.44B | 1.58B | 1.72B | 1.87B |
| Current Assets | - | 484.71M | 556.45M | 617.41M | 705.16M |
| Cash & Equivalents | - | 133.20M | 136.78M | 150.67M | 134.14M |
| Inventory | - | - | - | - | - |
| Receivables | - | 322.41M | 387.95M | 426.64M | 529.15M |
| Total Liabilities | - | 2.24B | 2.26B | 2.68B | 3.61B |
| Current Liabilities | - | 331.46M | 367.69M | 380.29M | 849.22M |
| Long Term Debt | - | 1.82B | 1.81B | 2.19B | 2.66B |
| Total Debt | - | 1.91B | 1.90B | 2.23B | 3.07B |
| Total Equity | - | -801.95M | -687.99M | -962.68M | -1.75B |
| Shares Outstanding | - | 88.86M | 88.86M | 88.86M | 88.86M |
Cash Flows (Annual)
Figures in USD.
| Metric | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 509.45M | 468.92M | 632.96M | 778.81M |
| Investing Cash Flow | - | -5.67M | -15.95M | -27.99M | -43.72M |
| Financing Cash Flow | - | -547.16M | -455.00M | -592.92M | -750.33M |
| Capital Expenditure | - | -6.03M | -4.24M | -25.55M | -39.41M |
| Free Cash Flow | - | 503.42M | 464.68M | 607.41M | 739.40M |
| Net Change in Cash | - | -43.39M | -2.04M | 12.05M | -15.24M |
Ratios (Annual)
Figures in %.
| Metric | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|
| Gross Margin % | 78.1% | 79.4% | 79.7% | 82.2% |
| Operating Margin % | 39.4% | 42.3% | 42.7% | 47.0% |
| Net Margin % | 27.1% | 28.4% | 29.9% | 32.7% |
| ROE % | -46.6% | -62.4% | -53.3% | -37.3% |
| ROCE % | 48.8% | 53.1% | 54.8% | 91.8% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 9.43% | 2.19M | $2.74B |
| 2 | Vanguard Capital Management LLC | 6.48% | 1.50M | $1.88B |
| 3 | Vanguard Portfolio Management LLC | 5.41% | 1.26M | $1.57B |
| 4 | Capital Research Global Investors | 4.83% | 1.12M | $1.40B |
| 5 | State Street Corporation | 4.50% | 1.04M | $1.30B |
| 6 | Valley Forge Capital Management, LP | 3.32% | 769.34K | $962.13M |
| 7 | Geode Capital Management, LLC | 3.18% | 737.46K | $922.25M |
| 8 | Capital World Investors | 3.16% | 732.66K | $916.26M |
| 9 | Capital International Investors | 3.06% | 709.12K | $886.82M |
| 10 | Morgan Stanley | 2.61% | 604.70K | $756.23M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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