Fair Isaac Corporation FICO SPX
Company Overview
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.
Why Investors Should Care
Return on capital employed stands at 90.8%.
Net profit has compounded at 12.8% per year over the last five years.
Maintains a net profit margin of 33.7%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Sep 2025 Revenue of $1.99B (+15.9% YoY); net profit $651.95M.
- Trailing 12 Months Year-on-year growth — revenue +38.7%, earnings +69.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 5.9%, profit CAGR 12.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 5.95% |
| 1 Year: | 38.70% |
Compounded Profit Growth
| 5 Years: | 12.81% |
| 1 Year: | 69.00% |
Stock Price Performance
| 1 Year: | -22.06% |
| 6 Months: | -26.08% |
| 3 Months: | +19.71% |
| 1 Month: | +2.26% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)49.35 · Neutral
P/E of 38.17 is above the sector median of 34.66 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Healthy ROCE of 90.8%.
- Excellent profit margin of 33.7%.
- Profit CAGR of 12.8% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 35.9% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 1,205.79 | 38.17 | $27.96B | 0.00% | 90.77% | -37.34% | 5.95% | 12.81% |
| 2 | NVDA NVIDIA Corporation NDXSPXAI | 212.50 | 32.59 | $5.15T | 0.47% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPX | 327.50 | 39.60 | $4.81T | 0.37% | 68.72% | 141.47% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXAI | 395.63 | 23.96 | $2.94T | 0.95% | 26.90% | 34.01% | 9.48% | 10.85% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AI | 419.48 | 36.41 | $2.18T | 0.90% | 30.20% | 36.21% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXAI | 394.28 | 64.96 | $1.88T | 0.68% | 16.70% | 37.28% | 24.38% | 26.24% |
| 7 | MU Micron Technology, Inc. NDXSPXAI | 904.28 | 20.44 | $1.02T | 0.05% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXAI | 529.14 | 172.36 | $862.82B | 0.00% | 6.33% | 8.06% | 13.64% | 48.64% |
| 9 | ASML ASML Holding N.V. NDXAI | 1,815.27 | 59.79 | $699.64B | 0.51% | 42.97% | 52.24% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | 232.36M | 256.26M | 254.99M | - | 262.26M | 278.23M | 314.25M | - | 298.50M | 307.97M | 313.73M | - | 312.41M | 331.36M | 338.18M | 322.36M | 357.19M | 348.97M | 344.87M | 380.27M | 398.69M | 382.06M | 433.81M | 447.85M | 439.97M | 498.74M | 536.41M | 511.96M | 691.68M |
| Gross Profit | 136.12M | 143.16M | 165.71M | 137.88M | 144.38M | 172.39M | 161.53M | 149.60M | 156.25M | 161.19M | 178.00M | 157.93M | 176.77M | 175.98M | 176.57M | 186.19M | 192.67M | 227.03M | 217.35M | 207.75M | 219.83M | 225.16M | 280.68M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 34.40M | 37.05M | - | 30.83M | 38.52M | 55.32M | - | 34.93M | 40.04M | 41.43M | - | 36.83M | 46.44M | 44.54M | - | 49.00M | 48.55M | 85.71M | - | 51.88M | 75.73M | 82.87M | - | 94.72M | 101.20M | 194.38M | 115.59M | 152.06M | 140.62M | 140.34M | 159.76M | 177.03M | 151.36M | 194.84M | 190.25M | 179.53M | 245.65M | 262.52M | 234.05M | 402.46M |
| Net Income | 18.87M | 19.91M | 33.32M | 19.24M | 23.12M | 34.99M | 32.10M | 37.90M | 25.08M | 25.23M | 40.04M | 32.88M | 31.17M | 29.72M | 32.71M | 40.01M | 33.38M | 64.15M | 54.58M | 54.92M | 58.29M | 64.08M | 59.13M | 86.49M | 68.67M | 151.20M | 84.96M | 104.38M | 93.50M | 97.64M | 101.55M | 128.76M | 121.06M | 129.80M | 126.26M | 152.53M | 162.62M | 181.79M | 158.37M | 264.46M |
| Diluted EPS | 0.58 | 0.62 | 1.03 | 0.59 | 0.72 | 1.08 | 1.00 | 1.16 | 0.78 | 0.78 | 1.25 | 1.04 | 1.00 | 0.95 | 1.07 | 1.32 | 1.10 | 2.12 | 1.80 | 1.82 | 1.94 | 2.15 | 1.98 | 2.90 | 2.33 | 5.18 | 3.09 | 3.95 | 3.61 | 3.84 | 4.00 | 5.08 | 4.80 | 5.16 | 5.05 | 6.14 | 6.59 | 7.40 | 6.61 | 11.14 |
| R&D Expense | 24.34M | 25.61M | - | 24.63M | 24.85M | 26.42M | - | 26.14M | 26.66M | 27.84M | - | 28.97M | 32.52M | 32.48M | - | 35.43M | 37.68M | 36.97M | - | 38.94M | 39.44M | 41.41M | - | 40.65M | 43.61M | 45.83M | 38.98M | 36.39M | 35.88M | 36.63M | 40.27M | 41.45M | 42.63M | 40.88M | 44.22M | 45.15M | 45.04M | 47.21M | 49.91M | 53.92M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Sep 2008 | Sep 2009 | Sep 2010 | Sep 2011 | Sep 2012 | Sep 2013 | Sep 2014 | Sep 2015 | Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 744.84M | 630.74M | 605.64M | 619.68M | 676.42M | 743.44M | 788.99M | 838.78M | 881.36M | 934.98M | 1.00B | 1.16B | 1.29B | 1.32B | 1.38B | 1.51B | 1.72B | 1.99B |
| Operating Income | 122.28M | 116.75M | 113.35M | 127.34M | 168.36M | 161.59M | 161.87M | 137.50M | 169.59M | 182.16M | 175.36M | 253.55M | 295.97M | 505.49M | 542.41M | 642.83M | 733.63M | 924.85M |
| Net Income | 83.95M | 65.10M | 64.46M | 71.56M | 92.00M | 90.09M | 94.88M | 86.50M | 109.45M | 133.41M | 126.48M | 192.12M | 236.41M | 392.08M | 373.54M | 429.38M | 512.81M | 651.95M |
| Diluted EPS | 1.70 | 1.33 | 1.42 | 1.79 | 2.55 | 2.48 | 2.72 | 2.65 | 3.39 | 4.14 | 4.06 | 6.34 | 7.90 | 13.40 | 14.18 | 16.93 | 20.45 | 26.54 |
| R&D Expense | 77.79M | 73.63M | 73.58M | 62.13M | 59.53M | 66.97M | 83.44M | 98.82M | 103.67M | 110.87M | 128.38M | 149.48M | 166.50M | 171.23M | 146.76M | 159.95M | 171.94M | 188.35M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Sep 2007 | Sep 2008 | Sep 2009 | Sep 2010 | Sep 2011 | Sep 2012 | Sep 2013 | Sep 2014 | Sep 2015 | Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.30B | 1.12B | 1.13B | 1.16B | 1.16B | 1.19B | 1.23B | 1.22B | 1.26B | 1.33B | 1.43B | 1.61B | 1.57B | 1.44B | 1.58B | 1.72B | 1.87B |
| Total Equity | 566.31M | 561.94M | 600.27M | 474.91M | 465.49M | 474.41M | 530.68M | 454.61M | 437.00M | 481.32M | 466.18M | 287.44M | 289.77M | 331.08M | -110.94M | -801.95M | -687.99M | -962.68M | -1.75B |
| Cash & Equivalents | 95.28M | 129.68M | 178.16M | 146.20M | 135.75M | 71.61M | 83.18M | 105.08M | 86.12M | 75.93M | 105.62M | 90.02M | 106.43M | 157.39M | 195.35M | 133.20M | 136.78M | 150.67M | 134.14M |
| Long Term Debt | - | - | - | - | 512.00M | 504.00M | 455.00M | 447.00M | 516.00M | 493.62M | 462.80M | 528.94M | 606.79M | 739.43M | 1.01B | 1.82B | 1.81B | 2.19B | 2.66B |
| Total Liabilities | - | - | 703.62M | 648.80M | 663.97M | 684.21M | 630.87M | 737.68M | 793.16M | 773.85M | 829.08M | 1.04B | 1.14B | 1.28B | 1.68B | 2.24B | 2.26B | 2.68B | 3.61B |
| Current Liabilities | - | - | 114.59M | 122.15M | 146.50M | 209.60M | 165.88M | 341.40M | 243.88M | 246.08M | 326.65M | 473.90M | 490.83M | 414.51M | 559.21M | 331.46M | 367.69M | 380.29M | 849.22M |
Cash Flows (Annual)
Figures in USD.
| Metric | Sep 2008 | Sep 2009 | Sep 2010 | Sep 2011 | Sep 2012 | Sep 2013 | Sep 2014 | Sep 2015 | Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 159.15M | 151.63M | 105.78M | 136.16M | 129.75M | - | - | - | - | 225.64M | 223.05M | 260.35M | 364.92M | 423.82M | 509.45M | 468.92M | 632.96M | 778.81M |
| Investing Cash Flow | -31.12M | -81.95M | 110.64M | -51.70M | -65.67M | - | - | - | - | -20.61M | -14.12M | -42.76M | -24.58M | 137.85M | -5.67M | -15.95M | -27.99M | -43.72M |
| Financing Cash Flow | -90.95M | -18.82M | -248.47M | -94.02M | -128.45M | - | - | - | - | -180.62M | -218.63M | -200.05M | -289.42M | -523.57M | -547.16M | -455.00M | -592.92M | -750.33M |
| Capital Expenditure | - | -13.96M | -17.45M | -14.02M | -25.48M | -24.15M | -12.59M | -25.00M | -21.97M | -19.83M | -31.30M | -23.98M | -21.99M | -7.57M | -6.03M | -4.24M | -8.88M | -8.92M |
| Free Cash Flow | - | 137.68M | 88.33M | 122.14M | 104.26M | - | - | - | - | 205.82M | 191.75M | 236.37M | 342.93M | 416.25M | 503.42M | 464.68M | 624.08M | 769.88M |
| Share Buybacks | 116.64M | 18.50M | 196.12M | 91.42M | 191.06M | 82.75M | 217.04M | 130.72M | 138.40M | 187.63M | 342.60M | 228.89M | 235.22M | 874.18M | 1.10B | 405.53M | 821.70M | 1.41B |
Ratios (Annual)
Figures in %.
| Metric | Sep 2008 | Sep 2009 | Sep 2010 | Sep 2011 | Sep 2012 | Sep 2013 | Sep 2014 | Sep 2015 | Sep 2016 | Sep 2017 | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 16.4% | 18.5% | 18.7% | 20.5% | 24.9% | 21.7% | 20.5% | 16.4% | 19.2% | 19.5% | 17.5% | 21.9% | 22.9% | 38.4% | 39.4% | 42.5% | 42.7% | 46.5% |
| Net Margin % | 11.3% | 10.3% | 10.6% | 11.5% | 13.6% | 12.1% | 12.0% | 10.3% | 12.4% | 14.3% | 12.6% | 16.6% | 18.3% | 29.8% | 27.1% | 28.4% | 29.9% | 32.7% |
| ROE % | 14.9% | 10.8% | 13.6% | 15.4% | 19.4% | 17.0% | 20.9% | 19.8% | 22.7% | 28.6% | 44.0% | 66.3% | 71.4% | -353.4% | -46.6% | -62.4% | -53.3% | -37.3% |
| ROCE % | - | 9.8% | 11.3% | 13.0% | 17.7% | 16.2% | 19.0% | 13.9% | 17.4% | 19.6% | 20.5% | 26.9% | 24.8% | 50.1% | 48.8% | 53.2% | 54.8% | 90.8% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 9.43% | 2.19M | $2.65B |
| 2 | Vanguard Capital Management LLC | 6.48% | 1.50M | $1.82B |
| 3 | Vanguard Portfolio Management LLC | 5.41% | 1.26M | $1.52B |
| 4 | Capital Research Global Investors | 4.83% | 1.12M | $1.36B |
| 5 | State Street Corporation | 4.50% | 1.04M | $1.26B |
| 6 | Valley Forge Capital Management, LP | 3.32% | 769.34K | $931.30M |
| 7 | Geode Capital Management, LLC | 3.18% | 737.46K | $892.70M |
| 8 | Capital World Investors | 3.16% | 732.66K | $886.91M |
| 9 | Capital International Investors | 3.06% | 709.12K | $858.40M |
| 10 | Morgan Stanley | 2.61% | 604.70K | $732.00M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FICO
Fair Isaac Raises Guidance to $2.45 Billion in Revenue. Here’s Where Shares Could Go in 2026 - TIKR.com
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Why Fair Isaac Corporation (FICO) Stock Is Up Today - Yahoo Finance
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Fair Isaac Falls as Investors Reassess Mortgage-Score Competition - Quiver Quantitative
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Fair Isaac Corporation (FICO) Stock Trades Down, Here Is Why - StockStory
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Fair Isaac Corporation Announces Date for Reporting of Third Quarter Fiscal 2026 Financial Results - marketscreener.com
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FICO — Frequently Asked Questions
What is the current share price of Fair Isaac Corporation (FICO)?
As of 2026-07-15 16:51 PDT, Fair Isaac Corporation (FICO) trades at $1,205.79 on NYSE. Its 52-week range is $922.37 to $1,879.55.
What is the market capitalisation of FICO?
Fair Isaac Corporation (FICO) has a market capitalisation of $27.96B on NYSE.
What is the P/E ratio of FICO?
FICO trades at a trailing price-to-earnings (P/E) ratio of 38.17. The industry average P/E is 34.66. Its price-to-book (P/B) ratio is -13.42.
What is the return on equity (ROE) of FICO?
FICO has a return on equity (ROE) of -37.34%. Its return on capital employed (ROCE) is 90.77%.
Is FICO a good stock to buy?
This page provides a data-driven analysis of Fair Isaac Corporation (FICO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.