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Fair Isaac Corporation FICO SPX

Technology · Software - Application · United States
https://www.fico.com

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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$1,250.59
-27.56% 1Y

Market & Price

Market Cap
$29.00B
Current Price
$1,250.59
High / Low (52W)
$1,926.52 / $922.37
Beta
1.23

Valuation

Stock P/E
39.69
Industry PE
32.74
Forward P/E
23.09
PEG Ratio
1.15
Book Value
$-90.22
Price to Book
-13.86
P/S
12.86
EV/EBITDA
27.89
Dividend Yield
-

Profitability & Returns

ROCE
91.89%
ROE
-
ROA
36.92%
Profit Margin
33.67%
Op Margin
58.19%
EPS (Latest Qtr)
$11.14
EPS (TTM)
$31.51

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
2.07
Current Ratio
2.22
Debt
$3.66B
Total Assets
$1.87B
Current Assets
$705.16M
Working Capital
$-144.05M

Ownership

Promoter Holding
2.79%
Chg in Prom Hold
-
FII / Inst Holding
95.51%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$32.44B
Total Revenue (TTM)
$2.26B
EBITDA
$1.16B
Free Cash Flow
$730.54M
Operating Cash Flow
$907.33M
Shares Outstanding
23.19M
Gross Margin
84.17%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
13.07%
Profit 5Y
20.40%
Revenue (YoY)
38.70%
Earnings (YoY)
69.00%

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

Robinhood TradingView StockAnalysis

Fundamental Growth

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).

#NameCMP $P/E Mkt CapDiv 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%
Ad space

Quarterly Results

Figures in USD.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue --498.74M536.41M515.75M511.96M691.68M
Cost of Revenue --87.63M87.57M91.18M87.26M91.20M
Gross Profit --411.11M448.84M424.57M424.70M600.48M
Operating Expenses --165.46M186.33M176.50M190.65M198.01M
Operating Income --245.65M262.52M248.08M234.05M402.46M
EBITDA --247.81M273.87M246.36M237.95M404.50M
Interest Expense --31.38M32.90M39.88M42.01M44.58M
Pretax Income --213.02M236.99M202.46M191.93M356.03M
Tax Provision --50.40M55.20M47.45M33.56M91.57M
Net Income --162.62M181.79M155.01M158.37M264.46M
Diluted EPS --6.597.406.426.6111.14

Profit & Loss (Annual)

Figures in USD.

Metric Sep 2022Sep 2023Sep 2024Sep 2025
Revenue 1.38B1.51B1.72B1.99B
Cost of Revenue 302.17M311.05M348.21M353.72M
Gross Profit 1.08B1.20B1.37B1.64B
Operating Expenses 532.68M561.62M635.69M701.38M
Operating Income 542.41M640.89M733.63M935.77M
EBITDA 560.74M663.81M761.49M951.19M
Interest Expense 68.97M95.55M105.64M133.65M
Pretax Income 471.31M553.62M642.02M802.60M
Tax Provision 97.77M124.25M129.21M150.65M
Net Income 373.54M429.38M512.81M651.95M
Diluted EPS 14.1816.9320.4526.54

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 2021Sep 2022Sep 2023Sep 2024Sep 2025
Total Assets -1.44B1.58B1.72B1.87B
Current Assets -484.71M556.45M617.41M705.16M
Cash & Equivalents -133.20M136.78M150.67M134.14M
Inventory -----
Receivables -322.41M387.95M426.64M529.15M
Total Liabilities -2.24B2.26B2.68B3.61B
Current Liabilities -331.46M367.69M380.29M849.22M
Long Term Debt -1.82B1.81B2.19B2.66B
Total Debt -1.91B1.90B2.23B3.07B
Total Equity --801.95M-687.99M-962.68M-1.75B
Shares Outstanding -88.86M88.86M88.86M88.86M

Cash Flows (Annual)

Figures in USD.

Metric Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Operating Cash Flow -509.45M468.92M632.96M778.81M
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 -503.42M464.68M607.41M739.40M
Net Change in Cash --43.39M-2.04M12.05M-15.24M

Ratios (Annual)

Figures in %.

Metric Sep 2022Sep 2023Sep 2024Sep 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

Insiders
2.79%
Institutions
95.51%
Public Float
98.24%

Top Institutional Holders

#Holder% HeldSharesValue
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

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