Fair Isaac (FICO) Financials

$1,352.66 +9.50 (+0.71%)

Closing price 03:59 PM Eastern

Extended Trading

$1,363.17 +10.51 (+0.78%)

As of 04:57 PM Eastern

Annual Income Statements for Fair Isaac

This table shows Fair Isaac's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2014	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Net Income / (Loss) Attributable to Common Shareholders	95	87	109	133	126	192	236	392	374	429	513
Consolidated Net Income / (Loss)	95	87	109	133	126	192	236	392	374	429	513
Net Income / (Loss) Continuing Operations	95	87	109	133	126	192	236	392	374	429	513
Total Pre-Tax Income	133	109	145	156	157	216	257	473	471	554	642
Total Operating Income	162	138	170	182	175	254	296	505	542	643	734
Total Gross Profit	540	839	881	647	687	823	933	984	1,075	1,203	1,369
Total Revenue	789	839	881	935	1,000	1,160	1,295	1,317	1,377	1,514	1,718
Operating Revenue	789	839	881	935	1,000	1,160	1,295	1,317	1,377	1,514	1,718
Total Cost of Revenue	249	0.00	0.00	288	313	337	361	332	302	311	348
Operating Cost of Revenue	249	-	-	288	313	337	361	332	302	311	348
Total Operating Expenses	378	701	712	465	512	570	637	479	533	560	636
Selling, General & Admin Expense	278	300	329	337	377	414	421	396	384	401	463
Research & Development Expense	83	99	104	111	128	149	166	171	147	160	172
Amortization Expense	12	14	14	13	6.59	6.13	4.99	3.26	2.06	1.10	0.92
Other Operating Expenses / (Income)	-	271	265	-	-	-	-	-100	0.00	-1.94	0.00
Total Other Income / (Expense), net	-29	-28	-25	-26	-18	-37	-39	-32	-71	-89	-92
Interest Expense	29	29	27	26	31	40	42	40	69	96	106
Other Income / (Expense), net	-0.19	0.88	1.61	-0.09	13	2.28	3.21	7.75	-2.14	6.34	14
Income Tax Expense	38	23	35	23	30	24	21	81	98	124	129
Basic Earnings per Share	$2.80	$2.75	$3.52	$4.32	$4.26	$6.63	$8.13	$13.65	$14.34	$17.18	$20.78
Weighted Average Basic Shares Outstanding	33.87M	31.40M	31.13M	30.86M	29.71M	28.98M	29.07M	28.73M	26.04M	24.99M	24.68M
Diluted Earnings per Share	$2.72	$2.65	$3.39	$4.14	$4.06	$6.34	$7.90	$13.40	$14.18	$16.93	$20.45
Weighted Average Diluted Shares Outstanding	34.86M	32.61M	32.31M	32.25M	31.18M	30.29M	29.93M	29.26M	26.35M	25.37M	25.08M
Weighted Average Basic & Diluted Shares Outstanding	33.90M	31.50M	31.10M	30.80M	29.70M	29.10M	-	27.36M	24.98M	24.71M	24.35M

This table shows Fair Isaac's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Income / (Loss) Attributable to Common Shareholders	98	102	129	101	121	130	126	136	153	163	182
Consolidated Net Income / (Loss)	98	102	129	101	121	130	126	136	153	163	182
Net Income / (Loss) Continuing Operations	98	102	129	101	121	130	126	136	153	163	182
Total Pre-Tax Income	118	137	158	140	131	173	167	171	150	213	237
Total Operating Income	140	160	177	166	151	195	190	197	180	246	263
Total Gross Profit	268	300	327	307	299	347	360	364	353	411	449
Total Revenue	345	380	399	390	382	434	448	454	440	499	536
Operating Revenue	345	380	399	390	382	434	448	454	440	499	536
Total Cost of Revenue	77	80	72	83	83	87	88	90	87	88	88
Operating Cost of Revenue	77	80	72	83	83	87	88	90	87	88	88
Total Operating Expenses	128	141	150	141	147	152	169	167	173	165	186
Selling, General & Admin Expense	93	100	108	99	104	111	125	123	128	120	139
Research & Development Expense	37	40	41	42	43	41	44	44	45	45	47
Amortization Expense	0.28	0.28	0.28	0.28	0.28	0.28	0.28	0.09	0.00	0.00	0.00
Total Other Income / (Expense), net	-22	-22	-19	-25	-21	-22	-23	-26	-29	-33	-26
Interest Expense	23	24	25	24	24	26	27	29	29	31	33
Other Income / (Expense), net	0.36	1.61	5.30	-0.93	3.39	3.99	3.94	2.72	0.09	-1.25	7.37
Income Tax Expense	20	36	29	39	9.53	43	41	36	-2.40	50	55
Basic Earnings per Share	$3.90	$4.04	$5.16	$4.08	$4.89	$5.23	$5.12	$5.54	$6.26	$6.67	$7.49
Weighted Average Basic Shares Outstanding	25.05M	25.12M	24.96M	24.99M	24.76M	24.82M	24.65M	24.68M	24.38M	24.39M	24.28M
Diluted Earnings per Share	$3.84	$4.00	$5.08	$4.01	$4.80	$5.16	$5.05	$5.44	$6.14	$6.59	$7.40
Weighted Average Diluted Shares Outstanding	25.44M	25.42M	25.34M	25.37M	25.22M	25.15M	25.02M	25.08M	24.83M	24.69M	24.58M
Weighted Average Basic & Diluted Shares Outstanding	25.15M	24.99M	24.86M	24.71M	24.85M	24.71M	24.52M	24.35M	24.42M	24.34M	24.00M

This table details how cash moves in and out of Fair Isaac's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2014	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Net Change in Cash & Equivalents	22	-19	-10	30	-16	16	51	38	-62	3.58	14
Net Cash From Operating Activities	175	147	210	226	223	260	365	424	509	469	633
Net Cash From Continuing Operating Activities	175	147	210	226	223	260	365	424	509	469	633
Net Income / (Loss) Continuing Operations	95	87	109	133	126	192	236	392	374	429	513
Consolidated Net Income / (Loss)	95	87	109	133	126	192	236	392	374	429	513
Depreciation Expense	33	34	32	36	30	32	30	26	20	15	14
Non-Cash Adjustments To Reconcile Net Income	37	60	82	63	64	84	148	25	144	136	154
Changes in Operating Assets and Liabilities, net	10	-34	-13	-6.86	2.17	-48	-50	-19	-28	-111	-48
Net Cash From Investing Activities	-20	-82	-28	-21	-14	-43	-25	138	-5.67	-16	-28
Net Cash From Continuing Investing Activities	-20	-82	-28	-21	-14	-43	-25	138	-5.67	-16	-28
Purchase of Property, Plant & Equipment	-13	-25	-22	-20	-31	-24	-22	-7.57	-6.03	-4.24	-26
Purchase of Investments	-	-	0.00	-0.78	-6.05	-6.40	-6.12	-9.04	-9.96	-11	-18
Sale and/or Maturity of Investments	-	-	0.00	0.00	23	3.48	3.47	7.24	8.06	5.03	16
Other Investing Activities, net	0.00	0.08	0.04	-	0.00	0.00	0.06	-0.21	2.26	-6.13	0.00
Net Cash From Financing Activities	-130	-72	-190	-181	-219	-200	-289	-524	-547	-455	-593
Net Cash From Continuing Financing Activities	-130	-72	-190	-181	-219	-200	-289	-524	-547	-455	-593
Repayment of Debt	-69	-187	-159	-156	-670	-169	-605	-260	-997	-402	-603
Repurchase of Common Equity	-217	-131	-138	-188	-343	-229	-235	-874	-1,104	-406	-822
Issuance of Debt	145	249	122	190	827	229	613	682	1,589	407	947
Issuance of Common Equity	19	18	18	14	11	23	42	21	16	22	25
Other Financing Activities, net	-5.49	-19	-30	-40	-44	-54	-105	-92	-51	-77	-141
Effect of Exchange Rate Changes	-2.90	-11	-2.83	5.28	-5.90	-1.14	-	-0.14	-19	5.62	1.84
Cash Interest Paid	28	30	27	26	26	40	38	38	57	97	106
Cash Income Taxes Paid	22	34	11	31	13	19	10	71	65	153	134

This table details how cash moves in and out of Fair Isaac's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Net Change in Cash & Equivalents	6.65	-2.09	25	-26	24	-25	20	-5.38	34	-38	42
Net Cash From Operating Activities	92	90	123	164	122	71	213	226	194	75	286
Net Cash From Continuing Operating Activities	92	90	123	164	122	71	213	226	193	76	286
Net Income / (Loss) Continuing Operations	98	102	129	101	121	130	126	136	153	163	182
Consolidated Net Income / (Loss)	98	102	129	101	121	130	126	136	153	163	182
Depreciation Expense	4.28	4.01	3.35	3.00	2.82	3.35	3.83	3.82	3.54	3.42	3.98
Non-Cash Adjustments To Reconcile Net Income	32	29	35	39	33	35	45	41	41	51	40
Changes in Operating Assets and Liabilities, net	-42	-45	-45	21	-35	-97	38	46	-7.18	-138	61
Net Cash From Investing Activities	-11	-1.30	-1.09	-2.98	-2.42	-9.62	-8.39	-7.56	-8.94	-11	-11
Net Cash From Continuing Investing Activities	-11	-1.30	-1.09	-2.98	-2.42	-9.62	-8.39	-7.56	-8.94	-11	-11
Purchase of Property, Plant & Equipment	-0.85	-1.53	-0.79	-1.07	-1.36	-9.42	-7.65	-7.12	-7.17	-9.43	-9.98
Purchase of Investments	-4.56	-3.46	-0.63	-1.98	-14	-2.60	-1.03	-0.51	-2.15	-2.63	-0.88
Sale and/or Maturity of Investments	2.39	2.24	0.34	0.06	13	2.40	0.28	0.08	0.38	1.12	0.36
Net Cash From Financing Activities	-80	-94	-98	-184	-100	-83	-182	-228	-144	-104	-239
Net Cash From Continuing Financing Activities	-80	-94	-98	-184	-100	-83	-182	-228	-144	-104	-239
Repayment of Debt	-103	-56	-107	-137	-71	-5.15	-464	-62	-64	-72	-1,253
Repurchase of Common Equity	-75	-109	-101	-120	-72	-172	-255	-324	-163	-217	-487
Issuance of Debt	169	59	111	68	170	85	540	152	275	175	1,500
Issuance of Common Equity	2.00	13	0.40	6.58	4.50	10	0.74	9.33	3.26	13	5.85
Other Financing Activities, net	-73	-0.81	-1.77	-1.23	-132	-1.88	-3.44	-3.30	-196	-2.41	-4.66
Effect of Exchange Rate Changes	4.43	3.03	1.71	-3.55	3.81	-2.81	-2.80	3.65	-	-	5.76
Cash Interest Paid	38	9.07	39	11	38	12	41	15	44	17	40
Cash Income Taxes Paid	13	59	34	46	4.93	49	44	36	22	70	37

This table presents Fair Isaac's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2014	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Total Assets	1,192	1,230	1,221	1,256	1,330	1,433	1,606	1,568	1,442	1,575	1,718
Total Current Assets	289	287	268	311	396	456	534	551	485	556	617
Cash & Equivalents	105	86	76	106	90	106	157	195	133	137	151
Accounts Receivable	155	159	168	169	267	297	334	312	322	388	427
Prepaid Expenses	28	42	24	37	40	52	43	44	29	32	40
Plant, Property, & Equipment, net	37	38	45	41	49	53	46	28	18	11	0.00
Total Noncurrent Assets	867	905	908	904	885	925	1,025	989	940	1,008	1,100
Long-Term Investments	20	21	22	26	20	22	26	33	26	33	45
Goodwill	780	815	798	804	801	804	812	788	761	773	783
Noncurrent Deferred & Refundable Income Taxes	13	15	48	47	14	6.01	15	21	12	59	87
Other Noncurrent Operating Assets	6.41	7.56	6.35	5.67	36	79	163	143	139	141	186
Total Liabilities & Shareholders' Equity	1,192	1,230	1,221	1,256	1,330	1,433	1,606	1,568	1,442	1,575	1,718
Total Liabilities	738	793	774	829	1,043	1,144	1,275	1,679	2,244	2,263	2,681
Total Current Liabilities	341	244	246	327	474	491	415	559	331	368	380
Short-Term Debt	170	92	77	142	235	218	95	250	30	50	15
Accounts Payable	22	20	23	20	20	23	23	21	17	19	22
Accrued Expenses	36	31	28	32	31	32	63	80	66	59	80
Current Deferred Revenue	57	47	47	55	103	111	115	105	120	137	157
Current Employee Benefit Liabilities	57	54	71	78	84	106	118	104	98	102	106
Total Noncurrent Liabilities	396	549	528	502	569	653	861	1,120	1,913	1,896	2,300
Long-Term Debt	396	549	528	502	569	607	739	1,009	1,824	1,812	2,194
Other Noncurrent Operating Liabilities	-	-	-	-	-	46	121	110	89	84	106
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	455	437	447	427	287	290	331	-111	-802	-688	-963
Total Preferred & Common Equity	455	437	447	427	287	290	331	-111	-802	-688	-963
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	455	437	447	427	287	290	331	-111	-802	-688	-963
Common Stock	1,130	1,153	1,189	1,196	1,211	1,226	1,219	1,238	1,300	1,351	1,367
Retained Earnings	1,284	1,368	1,471	1,598	1,765	1,957	2,193	2,585	2,959	3,388	3,901
Treasury Stock	-1,936	-2,034	-2,137	-2,301	-2,612	-2,802	-2,998	-3,858	-4,936	-5,325	-6,139
Accumulated Other Comprehensive Income / (Loss)	-23	-51	-77	-66	-76	-90	-83	-76	-125	-102	-92

This table presents Fair Isaac's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Total Assets	1,459	1,502	1,585	1,575	1,594	1,703	1,709	1,718	1,707	1,836	1,862
Total Current Assets	484	521	575	556	565	641	631	617	596	725	710
Cash & Equivalents	140	138	163	137	160	136	156	151	184	147	189
Accounts Receivable	308	338	384	388	367	469	438	427	351	493	454
Prepaid Expenses	36	45	28	32	37	37	37	40	61	86	67
Plant, Property, & Equipment, net	15	0.00	0.00	11	0.00	0.00	0.00	0.00	0.00	0.00	60
Total Noncurrent Assets	960	980	1,010	1,008	1,028	1,062	1,078	1,100	1,111	1,111	1,092
Long-Term Investments	28	30	33	33	38	43	44	45	46	45	51
Goodwill	771	774	777	773	777	776	777	783	776	779	785
Noncurrent Deferred & Refundable Income Taxes	21	31	50	59	64	72	78	87	93	100	106
Other Noncurrent Operating Assets	139	144	148	141	148	170	179	186	196	186	150
Total Liabilities & Shareholders' Equity	1,459	1,502	1,585	1,575	1,594	1,703	1,709	1,718	1,707	1,836	1,862
Total Liabilities	2,261	2,273	2,289	2,263	2,319	2,439	2,538	2,681	2,845	2,960	3,259
Total Current Liabilities	355	373	393	368	433	315	337	380	331	343	771
Short-Term Debt	100	107	115	50	153	15	15	15	15	15	399
Accounts Payable	17	14	17	19	19	19	22	22	23	24	29
Accrued Expenses	51	68	50	59	46	69	58	80	51	56	74
Current Deferred Revenue	127	118	127	137	147	144	149	157	165	172	172
Current Employee Benefit Liabilities	60	66	84	102	68	69	93	106	77	77	96
Total Noncurrent Liabilities	1,906	1,900	1,896	1,896	1,886	2,124	2,201	2,300	2,513	2,617	2,489
Long-Term Debt	1,821	1,818	1,815	1,812	1,809	2,029	2,105	2,194	2,406	2,513	2,380
Other Noncurrent Operating Liabilities	85	82	81	84	78	95	96	106	107	103	109
Commitments & Contingencies	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	-802	-771	-704	-688	-726	-736	-829	-963	-1,138	-1,124	-1,397
Total Preferred & Common Equity	-802	-771	-704	-688	-726	-736	-829	-963	-1,138	-1,124	-1,397
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	-802	-771	-704	-688	-726	-736	-829	-963	-1,138	-1,124	-1,397
Common Stock	1,245	1,282	1,313	1,351	1,239	1,282	1,321	1,367	1,202	1,252	1,292
Retained Earnings	3,056	3,158	3,287	3,388	3,509	3,639	3,765	3,901	4,053	4,216	4,398
Treasury Stock	-4,997	-5,110	-5,209	-5,325	-5,381	-5,559	-5,814	-6,139	-6,286	-6,491	-6,999
Accumulated Other Comprehensive Income / (Loss)	-106	-100	-95	-102	-93	-98	-102	-92	-108	-101	-88

This table displays calculated financial ratios and metrics derived from Fair Isaac's official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2014	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.13%	6.31%	5.08%	6.08%	6.97%	15.99%	11.59%	1.70%	4.61%	9.90%	13.48%
EBITDA Growth	-0.57%	-11.34%	17.74%	7.62%	0.06%	31.59%	14.65%	63.51%	4.07%	18.38%	14.72%
EBIT Growth	-0.33%	-14.41%	23.71%	6.35%	3.39%	35.90%	16.95%	71.55%	5.27%	20.16%	15.17%
NOPAT Growth	4.58%	-5.61%	17.91%	21.12%	-9.11%	59.51%	20.76%	53.86%	2.63%	15.97%	17.53%
Net Income Growth	5.31%	-8.83%	26.53%	21.90%	-5.20%	51.90%	23.05%	65.85%	-4.73%	14.95%	19.43%
EPS Growth	9.68%	-2.57%	27.92%	22.12%	-1.93%	56.16%	24.61%	69.62%	5.82%	19.39%	20.79%
Operating Cash Flow Growth	28.59%	-16.15%	43.26%	7.31%	-1.15%	16.72%	40.16%	16.14%	20.21%	-7.96%	34.98%
Free Cash Flow Firm Growth	69.05%	-75.65%	339.63%	15.80%	-41.34%	122.34%	25.35%	73.63%	-5.07%	-15.11%	39.20%
Invested Capital Growth	-2.32%	8.44%	-1.84%	-1.46%	4.46%	0.46%	-0.48%	-6.32%	-2.90%	12.43%	4.63%
Revenue Q/Q Growth	4.12%	1.35%	0.35%	2.21%	30.35%	-38.43%	88.97%	-2.93%	1.04%	2.78%	3.88%
EBITDA Q/Q Growth	1.03%	-6.00%	2.06%	10.73%	-3.52%	4.50%	4.59%	5.54%	3.15%	4.60%	4.95%
EBIT Q/Q Growth	1.00%	-6.96%	2.02%	12.95%	-3.61%	5.07%	5.47%	6.12%	3.45%	4.98%	4.93%
NOPAT Q/Q Growth	8.94%	-2.19%	-1.62%	8.55%	-12.20%	17.13%	0.98%	6.98%	3.32%	2.52%	6.57%
Net Income Q/Q Growth	9.27%	-3.66%	-1.10%	10.89%	-8.99%	12.85%	1.96%	7.28%	1.35%	2.56%	7.16%
EPS Q/Q Growth	12.40%	-2.21%	-0.59%	11.29%	-7.94%	13.01%	2.46%	8.06%	3.96%	2.92%	7.52%
Operating Cash Flow Q/Q Growth	25.24%	-6.88%	-11.69%	10.63%	2.64%	15.76%	12.58%	-9.49%	11.63%	4.27%	10.94%
Free Cash Flow Firm Q/Q Growth	33.94%	-45.67%	-15.31%	23.58%	-22.77%	123.01%	-7.59%	-4.89%	14.72%	0.80%	10.40%
Invested Capital Q/Q Growth	-1.96%	0.79%	3.47%	1.28%	2.25%	-6.39%	-4.10%	1.11%	-3.74%	-2.48%	-3.68%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	68.40%	100.00%	100.00%	69.24%	68.71%	70.96%	72.10%	74.75%	78.06%	79.45%	79.73%
EBITDA Margin	24.63%	20.54%	23.01%	23.35%	21.84%	24.78%	25.46%	40.93%	40.71%	43.86%	44.34%
Operating Margin	20.52%	16.39%	19.24%	19.48%	17.53%	21.86%	22.86%	38.40%	39.38%	42.47%	42.71%
EBIT Margin	20.49%	16.50%	19.42%	19.47%	18.82%	22.05%	23.11%	38.98%	39.23%	42.89%	43.53%
Profit (Net Income) Margin	12.03%	10.31%	12.42%	14.27%	12.65%	16.56%	18.26%	29.78%	27.12%	28.37%	29.86%
Tax Burden Percent	71.27%	79.19%	75.71%	85.37%	80.60%	88.92%	91.99%	82.87%	79.26%	77.56%	79.87%
Interest Burden Percent	82.34%	78.94%	84.44%	85.84%	83.37%	84.46%	85.90%	92.19%	87.23%	85.28%	85.87%
Effective Tax Rate	28.73%	20.81%	24.29%	14.63%	19.40%	11.08%	8.01%	17.13%	20.74%	22.44%	20.13%
Return on Invested Capital (ROIC)	12.72%	11.66%	13.34%	16.42%	14.71%	22.91%	27.67%	44.07%	47.44%	52.57%	57.05%
ROIC Less NNEP Spread (ROIC-NNEP)	7.78%	7.07%	9.70%	12.09%	12.25%	18.12%	22.35%	40.88%	43.30%	48.48%	53.10%
Return on Net Nonoperating Assets (RNNOA)	6.54%	7.74%	11.43%	14.13%	20.72%	43.66%	48.49%	312.14%	-129.28%	-110.21%	-119.18%
Return on Equity (ROE)	19.26%	19.40%	24.77%	30.55%	35.43%	66.57%	76.16%	356.21%	-81.84%	-57.64%	-62.13%
Cash Return on Invested Capital (CROIC)	15.07%	3.56%	15.20%	17.89%	10.34%	22.46%	28.15%	50.59%	50.38%	40.87%	52.52%
Operating Return on Assets (OROA)	13.74%	11.43%	13.97%	14.71%	14.56%	18.51%	19.68%	32.34%	35.90%	43.03%	45.41%
Return on Assets (ROA)	8.06%	7.14%	8.93%	10.78%	9.78%	13.90%	15.56%	24.71%	24.82%	28.46%	31.14%
Return on Common Equity (ROCE)	19.26%	19.40%	24.77%	30.55%	35.43%	66.57%	76.16%	356.21%	-81.84%	-57.64%	-62.13%
Return on Equity Simple (ROE_SIMPLE)	20.87%	19.79%	24.49%	31.28%	44.00%	66.30%	71.41%	-353.41%	-46.58%	-62.41%	-53.27%
Net Operating Profit after Tax (NOPAT)	115	109	128	156	141	225	272	419	430	499	586
NOPAT Margin	14.62%	12.98%	14.57%	16.63%	14.13%	19.43%	21.03%	31.82%	31.21%	32.94%	34.12%
Net Nonoperating Expense Percent (NNEP)	4.95%	4.59%	3.64%	4.33%	2.46%	4.79%	5.32%	3.19%	4.14%	4.09%	3.95%
Cost of Revenue to Revenue	31.60%	0.00%	0.00%	30.76%	31.29%	29.04%	27.90%	25.25%	21.94%	20.55%	20.27%
SG&A Expenses to Revenue	35.26%	35.77%	37.32%	36.06%	37.69%	35.69%	32.52%	30.10%	27.87%	26.47%	26.95%
R&D to Revenue	10.58%	11.78%	11.76%	11.86%	12.84%	12.89%	12.86%	13.01%	10.66%	10.57%	10.01%
Operating Expenses to Revenue	47.89%	83.61%	80.76%	49.76%	51.18%	49.11%	49.24%	36.35%	38.68%	36.98%	37.01%
Earnings before Interest and Taxes (EBIT)	162	138	171	182	188	256	299	513	540	649	748
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	194	172	203	218	218	287	330	539	561	664	761
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.89	6.01	8.60	10.09	23.17	30.27	37.26	0.00	0.00	0.00	0.00
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Revenue (P/Rev)	2.24	3.13	4.36	4.60	6.66	7.56	9.53	8.58	7.55	14.26	27.74
Price to Earnings (P/E)	18.63	30.38	35.11	32.26	52.66	45.65	52.18	28.81	27.85	50.28	92.92
Dividend Yield	0.15%	0.09%	0.06%	0.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	5.37%	3.29%	2.85%	3.10%	1.90%	2.19%	1.92%	3.47%	3.59%	1.99%	1.08%
Enterprise Value to Invested Capital (EV/IC)	2.47	3.26	4.56	5.13	7.49	9.60	13.23	13.41	13.55	23.19	47.28
Enterprise Value to Revenue (EV/Rev)	2.80	3.77	4.94	5.15	7.35	8.16	10.03	9.36	8.78	15.38	28.92
Enterprise Value to EBITDA (EV/EBITDA)	11.37	18.36	21.45	22.07	33.67	32.94	39.41	22.88	21.58	35.07	65.22
Enterprise Value to EBIT (EV/EBIT)	13.66	22.86	25.41	26.46	39.07	37.01	43.41	24.02	22.39	35.86	66.43
Enterprise Value to NOPAT (EV/NOPAT)	19.15	29.05	33.88	30.98	52.04	41.99	47.70	29.43	28.14	46.70	84.76
Enterprise Value to Operating Cash Flow (EV/OCF)	12.62	21.55	20.69	21.35	32.98	36.36	35.59	29.08	23.75	49.65	78.46
Enterprise Value to Free Cash Flow (EV/FCFF)	16.16	95.05	29.73	28.43	74.01	42.84	46.89	25.63	26.50	60.07	92.06
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.25	1.47	1.35	1.51	2.80	2.85	2.52	-11.35	-2.31	-2.71	-2.29
Long-Term Debt to Equity	0.87	1.26	1.18	1.18	1.98	2.09	2.23	-9.10	-2.27	-2.63	-2.28
Financial Leverage	0.84	1.09	1.18	1.17	1.69	2.41	2.17	7.64	-2.99	-2.27	-2.24
Leverage Ratio	2.39	2.72	2.77	2.84	3.62	4.79	4.90	14.42	-3.30	-2.03	-2.00
Compound Leverage Factor	1.97	2.14	2.34	2.43	3.02	4.04	4.21	13.29	-2.88	-1.73	-1.71
Debt to Total Capital	55.47%	59.47%	57.51%	60.17%	73.67%	74.00%	71.59%	109.66%	176.25%	158.62%	177.24%
Short-Term Debt to Total Capital	16.65%	8.53%	7.32%	13.26%	21.53%	19.56%	8.15%	21.78%	2.85%	4.26%	1.20%
Long-Term Debt to Total Capital	38.82%	50.94%	50.19%	46.91%	52.14%	54.44%	63.44%	87.89%	173.40%	154.36%	176.04%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	44.53%	40.53%	42.49%	39.83%	26.33%	26.00%	28.41%	-9.66%	-76.25%	-58.62%	-77.24%
Debt to EBITDA	2.91	3.72	2.98	2.95	3.68	2.87	2.53	2.34	3.31	2.80	2.90
Net Debt to EBITDA	2.27	3.10	2.50	2.35	3.18	2.42	1.98	1.91	3.02	2.55	2.64
Long-Term Debt to EBITDA	2.04	3.19	2.60	2.30	2.61	2.11	2.24	1.87	3.25	2.73	2.88
Debt to NOPAT	4.91	5.89	4.71	4.14	5.69	3.66	3.06	3.01	4.31	3.73	3.77
Net Debt to NOPAT	3.83	4.91	3.95	3.30	4.91	3.09	2.39	2.46	3.94	3.39	3.44
Long-Term Debt to NOPAT	3.44	5.04	4.11	3.23	4.03	2.69	2.72	2.41	4.24	3.63	3.74
Altman Z-Score	4.00	4.64	5.87	6.10	6.84	7.88	9.23	8.26	7.97	11.20	16.45
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.85	1.18	1.09	0.95	0.84	0.93	1.29	0.99	1.46	1.51	1.62
Quick Ratio	0.76	1.00	0.99	0.84	0.75	0.82	1.19	0.91	1.37	1.43	1.52
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	137	33	146	169	99	221	277	481	457	388	539
Operating Cash Flow to CapEx	1,390.26%	587.11%	957.11%	1,138.01%	712.65%	1,085.65%	1,659.54%	0.00%	8,449.99%	11,067.15%	2,477.26%
Free Cash Flow to Firm to Interest Expense	4.79	1.14	5.49	6.57	3.17	5.56	6.57	12.00	6.62	4.06	5.11
Operating Cash Flow to Interest Expense	6.13	5.04	7.90	8.75	7.12	6.55	8.65	10.57	7.39	4.91	5.99
Operating Cash Flow Less CapEx to Interest Expense	5.69	4.18	7.07	7.98	6.12	5.95	8.13	14.06	7.30	4.86	5.75
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.67	0.69	0.72	0.76	0.77	0.84	0.85	0.83	0.92	1.00	1.04
Accounts Receivable Turnover	5.28	5.34	5.40	5.56	4.59	4.11	4.10	4.07	4.34	4.26	4.22
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	19.28	22.40	21.15	21.79	22.34	22.78	26.04	35.42	60.55	106.04	69.49
Accounts Payable Turnover	12.10	0.00	0.00	13.55	15.74	15.53	15.65	15.19	15.89	17.15	16.79
Days Sales Outstanding (DSO)	69.17	68.33	67.62	65.66	79.44	88.75	89.04	89.59	84.08	85.65	86.56
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	30.17	0.00	0.00	26.94	23.19	23.50	23.32	24.03	22.96	21.29	21.74
Cash Conversion Cycle (CCC)	38.99	68.33	67.62	38.71	56.24	65.26	65.72	65.56	61.12	64.37	64.81
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	896	972	954	940	982	986	982	920	893	1,004	1,050
Invested Capital Turnover	0.87	0.90	0.92	0.99	1.04	1.18	1.32	1.39	1.52	1.60	1.67
Increase / (Decrease) in Invested Capital	-21	76	-18	-14	42	4.48	-4.72	-62	-27	111	47
Enterprise Value (EV)	2,209	3,163	4,350	4,817	7,355	9,467	12,987	12,327	12,099	23,281	49,665
Market Capitalization	1,768	2,628	3,843	4,304	6,661	8,771	12,336	11,296	10,404	21,589	47,652
Book Value per Share	$14.14	$14.03	$14.48	$13.93	$9.86	$10.03	$11.42	($3.91)	($31.76)	($27.54)	($39.26)
Tangible Book Value per Share	($11.61)	($13.65)	($12.48)	($13.03)	($18.12)	($18.27)	($16.91)	($31.82)	($61.98)	($58.52)	($71.19)
Total Capital	1,021	1,078	1,052	1,071	1,092	1,115	1,166	1,148	1,052	1,174	1,246
Total Debt	566	641	605	644	804	825	834	1,259	1,854	1,862	2,209
Total Long-Term Debt	396	549	528	502	569	607	739	1,009	1,824	1,812	2,194
Net Debt	441	535	507	513	694	696	652	1,030	1,695	1,692	2,013
Capital Expenditures (CapEx)	13	25	22	20	31	24	22	-140	6.03	4.24	26
Debt-free, Cash-free Net Working Capital (DFCFNWC)	12	49	23	21	67	76	57	46	50	102	101
Debt-free Net Working Capital (DFNWC)	117	135	99	126	157	183	215	242	183	239	252
Net Working Capital (NWC)	-53	43	22	-16	-78	-35	120	-8.23	153	189	237
Net Nonoperating Expense (NNE)	20	22	19	22	15	33	36	27	56	69	73
Net Nonoperating Obligations (NNO)	441	535	507	513	694	696	650	1,030	1,695	1,692	2,013
Total Depreciation and Amortization (D&A)	33	34	32	36	30	32	30	26	20	15	14
Debt-free, Cash-free Net Working Capital to Revenue	1.53%	5.80%	2.57%	2.21%	6.75%	6.59%	4.42%	3.53%	3.63%	6.74%	5.91%
Debt-free Net Working Capital to Revenue	14.84%	16.06%	11.18%	13.51%	15.75%	15.76%	16.57%	18.36%	13.31%	15.77%	14.68%
Net Working Capital to Revenue	-6.70%	5.09%	2.45%	-1.68%	-7.75%	-3.03%	9.24%	-0.63%	11.13%	12.47%	13.81%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.80	$2.75	$3.52	$4.16	$4.79	$0.00	$0.00	$13.65	$14.34	$17.18	$20.78
Adjusted Weighted Average Basic Shares Outstanding	33.87M	31.40M	31.13M	30.86M	29.71M	0.00	0.00	28.73M	26.04M	24.99M	24.68M
Adjusted Diluted Earnings per Share	$2.72	$2.65	$3.39	$3.98	$4.57	$0.00	$0.00	$13.40	$14.18	$16.93	$20.45
Adjusted Weighted Average Diluted Shares Outstanding	34.86M	32.61M	32.31M	32.25M	31.18M	0.00	0.00	29.26M	26.35M	25.37M	25.08M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	32.11M	31.08M	30.94M	29.99M	28.96M	0.00	0.00	27.36M	24.98M	24.71M	24.35M
Normalized Net Operating Profit after Tax (NOPAT)	118	123	128	159	141	225	314	425	430	499	586
Normalized NOPAT Margin	15.01%	14.70%	14.57%	17.04%	14.13%	19.43%	24.23%	32.32%	31.21%	32.94%	34.12%
Pre Tax Income Margin	16.87%	13.02%	16.40%	16.72%	15.69%	18.63%	19.85%	35.94%	34.22%	36.58%	37.38%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	5.66	4.75	6.43	7.06	6.01	6.44	7.09	12.80	7.83	6.79	7.08
NOPAT to Interest Expense	4.04	3.74	4.82	6.03	4.51	5.67	6.46	10.45	6.23	5.22	5.55
EBIT Less CapEx to Interest Expense	5.22	3.89	5.60	6.29	5.01	5.83	6.57	16.29	7.75	6.75	6.84
NOPAT Less CapEx to Interest Expense	3.60	2.88	4.00	5.26	3.51	5.07	5.93	13.94	6.15	5.17	5.31
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	2.86%	2.90%	2.27%	0.93%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	231.61%	154.02%	128.73%	141.56%	270.87%	119.14%	99.50%	222.96%	295.60%	94.45%	160.23%

This table displays calculated financial ratios and metrics derived from Fair Isaac's official financial filings.

Metric	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025
Period end date	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.98%	6.46%	14.25%	11.75%	10.78%	14.08%	12.33%	16.44%	15.16%	14.97%	19.78%
EBITDA Growth	18.60%	6.61%	28.25%	21.05%	8.69%	22.25%	6.65%	21.43%	18.03%	22.57%	38.30%
EBIT Growth	20.24%	7.80%	30.60%	23.01%	9.98%	23.21%	6.50%	21.32%	16.07%	22.92%	38.99%
NOPAT Growth	24.06%	-1.49%	32.84%	11.22%	20.73%	24.06%	-0.62%	30.48%	29.99%	28.08%	40.27%
Net Income Growth	14.93%	-2.71%	37.71%	11.82%	23.99%	27.82%	-1.94%	33.79%	25.99%	25.28%	43.98%
EPS Growth	24.27%	1.27%	40.72%	13.60%	25.00%	29.00%	-0.59%	35.66%	27.92%	27.71%	46.53%
Operating Cash Flow Growth	-25.98%	-26.75%	4.68%	13.27%	32.11%	-20.90%	73.97%	38.06%	58.86%	5.47%	34.17%
Free Cash Flow Firm Growth	-71.08%	-55.82%	-52.91%	-93.56%	-13.41%	-96.45%	92.99%	1,168.79%	207.70%	5,072.41%	81.63%
Invested Capital Growth	5.97%	6.58%	10.97%	12.43%	9.05%	14.65%	5.95%	4.63%	1.49%	7.30%	4.75%
Revenue Q/Q Growth	-1.11%	10.26%	4.84%	-2.25%	-1.97%	13.55%	3.24%	1.33%	-3.05%	13.36%	7.56%
EBITDA Q/Q Growth	4.61%	14.07%	12.27%	-9.65%	-6.07%	28.31%	-2.06%	2.88%	-8.70%	33.24%	10.52%
EBIT Q/Q Growth	5.04%	14.69%	12.99%	-9.63%	-6.08%	28.48%	-2.33%	2.94%	-10.15%	36.06%	10.43%
NOPAT Q/Q Growth	8.04%	1.54%	22.41%	-17.18%	17.28%	4.34%	-1.95%	8.74%	16.84%	2.81%	7.38%
Net Income Q/Q Growth	7.66%	4.00%	26.79%	-21.23%	19.37%	7.21%	-2.73%	7.47%	12.41%	6.61%	11.79%
EPS Q/Q Growth	8.78%	4.17%	27.00%	-21.06%	19.70%	7.50%	-2.13%	7.72%	12.87%	7.33%	12.29%
Operating Cash Flow Q/Q Growth	-36.17%	-2.85%	36.54%	33.78%	-25.56%	-41.83%	200.32%	6.16%	-14.34%	-61.38%	282.05%
Free Cash Flow Firm Q/Q Growth	-53.33%	-8.72%	-25.36%	-79.76%	527.89%	-96.25%	3,953.19%	33.07%	52.27%	-37.02%	42.33%
Invested Capital Q/Q Growth	6.53%	3.59%	4.47%	-2.48%	3.33%	8.91%	-3.46%	-3.68%	0.23%	15.13%	-5.75%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	77.80%	79.01%	81.98%	78.75%	78.15%	79.96%	80.30%	80.26%	80.15%	82.43%	83.67%
EBITDA Margin	42.04%	43.49%	46.57%	43.05%	41.24%	46.61%	44.22%	44.89%	42.27%	49.69%	51.06%
Operating Margin	40.69%	42.01%	44.40%	42.52%	39.62%	44.91%	42.48%	43.45%	40.80%	49.25%	48.94%
EBIT Margin	40.80%	42.44%	45.73%	42.28%	40.50%	45.83%	43.36%	44.05%	40.83%	49.00%	50.31%
Profit (Net Income) Margin	28.31%	26.71%	32.30%	26.02%	31.69%	29.92%	28.19%	29.90%	34.67%	32.61%	33.89%
Tax Burden Percent	82.82%	73.87%	81.60%	72.21%	92.71%	75.14%	75.46%	79.17%	101.60%	76.34%	76.71%
Interest Burden Percent	83.80%	85.19%	86.54%	85.25%	84.39%	86.88%	86.16%	85.74%	83.58%	87.16%	87.81%
Effective Tax Rate	17.18%	26.13%	18.40%	27.79%	7.29%	24.86%	24.54%	20.83%	-1.60%	23.66%	23.29%
Return on Invested Capital (ROIC)	51.03%	46.25%	54.53%	48.99%	57.29%	51.20%	50.00%	57.52%	70.43%	59.10%	64.86%
ROIC Less NNEP Spread (ROIC-NNEP)	49.87%	45.26%	53.64%	47.92%	56.19%	50.28%	49.06%	56.42%	68.92%	57.91%	63.98%
Return on Net Nonoperating Assets (RNNOA)	-118.65%	-105.53%	-121.29%	-108.92%	-129.32%	-120.88%	-116.88%	-126.64%	-146.21%	-130.84%	-128.14%
Return on Equity (ROE)	-67.62%	-59.28%	-66.76%	-59.93%	-72.03%	-69.68%	-66.88%	-69.11%	-75.77%	-71.74%	-63.28%
Cash Return on Invested Capital (CROIC)	43.13%	40.79%	39.30%	40.87%	43.93%	38.44%	46.10%	52.52%	58.49%	50.03%	60.35%
Operating Return on Assets (OROA)	39.09%	40.40%	44.29%	42.41%	41.16%	45.88%	43.54%	45.95%	43.93%	50.97%	54.36%
Return on Assets (ROA)	27.13%	25.43%	31.27%	26.11%	32.20%	29.95%	28.31%	31.19%	37.30%	33.91%	36.61%
Return on Common Equity (ROCE)	-67.62%	-59.28%	-66.76%	-59.93%	-72.03%	-69.68%	-66.88%	-69.11%	-75.77%	-71.74%	-63.28%
Return on Equity Simple (ROE_SIMPLE)	-48.15%	-49.74%	-59.47%	0.00%	-62.39%	-65.39%	-57.70%	0.00%	-47.82%	-51.34%	0.00%
Net Operating Profit after Tax (NOPAT)	116	118	144	120	140	146	144	156	182	188	201
NOPAT Margin	33.70%	31.04%	36.23%	30.70%	36.73%	33.75%	32.06%	34.40%	41.46%	37.60%	37.54%
Net Nonoperating Expense Percent (NNEP)	1.17%	0.98%	0.90%	1.08%	1.10%	0.92%	0.95%	1.10%	1.51%	1.19%	0.88%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	11.35%	-	-	-	14.22%	13.36%	14.57%
Cost of Revenue to Revenue	22.20%	20.99%	18.02%	21.25%	21.85%	20.04%	19.70%	19.74%	19.85%	17.57%	16.33%
SG&A Expenses to Revenue	26.97%	26.34%	27.11%	25.49%	27.31%	25.56%	27.88%	27.05%	29.08%	24.15%	25.93%
R&D to Revenue	10.62%	10.59%	10.40%	10.67%	11.16%	9.42%	9.87%	9.74%	10.26%	9.03%	8.80%
Operating Expenses to Revenue	37.10%	37.00%	37.58%	36.23%	38.54%	35.04%	37.82%	36.81%	39.34%	33.18%	34.74%
Earnings before Interest and Taxes (EBIT)	141	161	182	165	155	199	194	200	180	244	270
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	145	165	186	168	158	202	198	204	186	248	274
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Revenue (P/Rev)	10.68	12.42	13.73	14.26	18.55	19.36	22.25	27.74	27.30	24.47	23.07
Price to Earnings (P/E)	38.71	46.10	48.31	50.28	63.53	64.56	76.87	92.92	89.06	78.03	70.34
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	2.58%	2.17%	2.07%	1.99%	1.57%	1.55%	1.30%	1.08%	1.12%	1.28%	1.42%
Enterprise Value to Invested Capital (EV/IC)	17.56	19.72	21.33	23.19	29.43	29.14	35.49	47.28	48.13	39.08	41.17
Enterprise Value to Revenue (EV/Rev)	11.93	13.66	14.91	15.38	19.69	20.52	23.41	28.92	28.54	25.74	24.38
Enterprise Value to EBITDA (EV/EBITDA)	28.63	32.73	34.60	35.07	45.14	46.16	53.35	65.22	64.37	56.88	51.77
Enterprise Value to EBIT (EV/EBIT)	29.62	33.76	35.51	35.86	46.03	46.98	54.32	66.43	65.58	57.90	52.62
Enterprise Value to NOPAT (EV/NOPAT)	36.94	43.15	45.15	46.70	58.40	59.76	70.40	84.76	80.84	70.89	64.83
Enterprise Value to Operating Cash Flow (EV/OCF)	35.02	43.75	48.83	49.65	61.23	68.61	67.84	78.46	71.88	66.83	60.18
Enterprise Value to Free Cash Flow (EV/FCFF)	41.90	49.89	57.11	60.07	69.91	80.98	79.21	92.06	82.89	80.87	69.81
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	-2.39	-2.50	-2.74	-2.71	-2.70	-2.78	-2.56	-2.29	-2.13	-2.25	-1.99
Long-Term Debt to Equity	-2.27	-2.36	-2.58	-2.63	-2.49	-2.76	-2.54	-2.28	-2.11	-2.24	-1.70
Financial Leverage	-2.38	-2.33	-2.26	-2.27	-2.30	-2.40	-2.38	-2.24	-2.12	-2.26	-2.00
Leverage Ratio	-2.18	-2.08	-1.96	-2.03	-2.00	-2.13	-2.15	-2.00	-1.77	-1.90	-1.60
Compound Leverage Factor	-1.83	-1.78	-1.70	-1.73	-1.69	-1.85	-1.85	-1.71	-1.48	-1.66	-1.41
Debt to Total Capital	171.71%	166.80%	157.44%	158.62%	158.72%	156.24%	164.26%	177.24%	188.72%	180.05%	201.11%
Short-Term Debt to Total Capital	8.94%	9.27%	9.38%	4.26%	12.38%	1.15%	1.16%	1.20%	1.17%	1.07%	28.89%
Long-Term Debt to Total Capital	162.77%	157.53%	148.05%	154.36%	146.34%	155.10%	163.09%	176.04%	187.55%	178.99%	172.22%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	-71.71%	-66.80%	-57.44%	-58.62%	-58.72%	-56.24%	-64.26%	-77.24%	-88.72%	-80.05%	-101.11%
Debt to EBITDA	3.29	3.24	3.04	2.80	2.90	2.87	2.92	2.90	3.08	3.04	3.06
Net Debt to EBITDA	3.00	2.96	2.73	2.55	2.61	2.62	2.65	2.64	2.78	2.81	2.80
Long-Term Debt to EBITDA	3.12	3.06	2.86	2.73	2.67	2.84	2.90	2.88	3.06	3.02	2.62
Debt to NOPAT	4.25	4.27	3.97	3.73	3.75	3.71	3.86	3.77	3.86	3.78	3.83
Net Debt to NOPAT	3.88	3.90	3.56	3.39	3.37	3.39	3.49	3.44	3.50	3.50	3.50
Long-Term Debt to NOPAT	4.03	4.04	3.73	3.63	3.46	3.68	3.83	3.74	3.84	3.76	3.28
Altman Z-Score	8.28	9.03	9.65	10.18	11.92	12.19	13.33	15.39	15.12	14.04	12.97
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.36	1.40	1.46	1.51	1.31	2.04	1.87	1.62	1.80	2.11	0.92
Quick Ratio	1.26	1.28	1.39	1.43	1.22	1.92	1.76	1.52	1.62	1.86	0.83
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	63	57	43	8.64	54	2.03	82	110	167	105	150
Operating Cash Flow to CapEx	10,875.29%	5,881.07%	15,482.58%	15,360.39%	8,972.81%	753.93%	2,790.46%	3,179.53%	2,705.30%	794.72%	2,866.82%
Free Cash Flow to Firm to Interest Expense	2.75	2.39	1.74	0.36	2.24	0.08	3.07	3.84	5.66	3.35	4.55
Operating Cash Flow to Interest Expense	4.05	3.76	5.00	6.75	5.05	2.72	7.94	7.94	6.58	2.39	8.70
Operating Cash Flow Less CapEx to Interest Expense	4.02	3.69	4.96	6.71	5.00	2.36	7.66	7.69	6.34	2.09	8.40
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.96	0.95	0.97	1.00	1.02	1.00	1.00	1.04	1.08	1.04	1.08
Accounts Receivable Turnover	4.93	4.65	4.39	4.26	4.59	3.97	4.02	4.22	4.94	3.83	4.33
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	70.74	0.00	0.00	106.04	0.00	0.00	0.00	69.49	0.00	0.00	0.00
Accounts Payable Turnover	16.62	20.66	18.18	17.15	17.95	19.85	17.39	16.79	16.86	16.45	13.59
Days Sales Outstanding (DSO)	74.11	78.45	83.08	85.65	79.52	91.83	90.69	86.56	73.85	95.35	84.37
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	21.97	17.67	20.08	21.29	20.33	18.39	20.99	21.74	21.65	22.19	26.86
Cash Conversion Cycle (CCC)	52.14	60.78	63.00	64.37	59.19	73.45	69.70	64.81	52.19	73.16	57.51
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	951	985	1,029	1,004	1,037	1,130	1,091	1,050	1,053	1,212	1,142
Invested Capital Turnover	1.51	1.49	1.51	1.60	1.56	1.52	1.56	1.67	1.70	1.57	1.73
Increase / (Decrease) in Invested Capital	54	61	102	111	86	144	61	47	16	82	52
Enterprise Value (EV)	16,703	19,433	21,958	23,281	30,530	32,921	38,706	49,665	50,666	47,367	47,035
Market Capitalization	14,950	17,676	20,225	21,589	28,767	31,055	36,786	47,652	48,475	45,031	44,496
Book Value per Share	($32.12)	($30.64)	($28.17)	($27.54)	($29.37)	($29.60)	($33.56)	($39.26)	($46.75)	($46.03)	($57.41)
Tangible Book Value per Share	($63.07)	($61.48)	($59.29)	($58.52)	($60.84)	($60.86)	($65.00)	($71.19)	($78.60)	($77.95)	($89.68)
Total Capital	1,119	1,154	1,226	1,174	1,236	1,308	1,291	1,246	1,283	1,404	1,382
Total Debt	1,921	1,925	1,930	1,862	1,962	2,044	2,120	2,209	2,421	2,528	2,780
Total Long-Term Debt	1,821	1,818	1,815	1,812	1,809	2,029	2,105	2,194	2,406	2,513	2,380
Net Debt	1,753	1,757	1,733	1,692	1,763	1,865	1,920	2,013	2,191	2,336	2,540
Capital Expenditures (CapEx)	0.85	1.53	0.79	1.07	1.36	9.42	7.65	7.12	7.17	9.43	9.98
Debt-free, Cash-free Net Working Capital (DFCFNWC)	89	117	134	102	125	206	153	101	95	250	150
Debt-free Net Working Capital (DFNWC)	229	255	297	239	285	341	309	252	280	397	339
Net Working Capital (NWC)	129	148	182	189	132	326	294	237	265	382	-61
Net Nonoperating Expense (NNE)	19	16	16	18	19	17	17	20	30	25	20
Net Nonoperating Obligations (NNO)	1,753	1,756	1,733	1,692	1,763	1,865	1,920	2,013	2,191	2,336	2,540
Total Depreciation and Amortization (D&A)	4.28	4.01	3.35	3.00	2.82	3.35	3.83	3.82	6.38	3.42	3.98
Debt-free, Cash-free Net Working Capital to Revenue	6.36%	8.24%	9.10%	6.74%	8.04%	12.82%	9.25%	5.91%	5.37%	13.59%	7.75%
Debt-free Net Working Capital to Revenue	16.35%	17.93%	20.17%	15.77%	18.39%	21.28%	18.68%	14.68%	15.74%	21.55%	17.55%
Net Working Capital to Revenue	9.20%	10.41%	12.36%	12.47%	8.52%	20.34%	17.78%	13.81%	14.90%	20.74%	-3.15%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$3.90	$4.04	$5.16	$4.08	$4.89	$5.23	$5.12	$5.54	$6.26	$6.67	$7.49
Adjusted Weighted Average Basic Shares Outstanding	25.05M	25.12M	24.96M	24.99M	24.76M	24.82M	24.65M	24.68M	24.38M	24.39M	24.28M
Adjusted Diluted Earnings per Share	$3.84	$4.00	$5.08	$4.01	$4.80	$5.16	$5.05	$5.44	$6.14	$6.59	$7.40
Adjusted Weighted Average Diluted Shares Outstanding	25.44M	25.42M	25.34M	25.37M	25.22M	25.15M	25.02M	25.08M	24.83M	24.69M	24.58M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	25.15M	24.99M	24.86M	24.71M	24.85M	24.71M	24.52M	24.35M	24.42M	24.34M	24.00M
Normalized Net Operating Profit after Tax (NOPAT)	115	118	144	120	140	146	144	156	126	188	201
Normalized NOPAT Margin	33.23%	31.04%	36.23%	30.70%	36.73%	33.75%	32.06%	34.40%	28.56%	37.60%	37.54%
Pre Tax Income Margin	34.19%	36.15%	39.58%	36.04%	34.18%	39.82%	37.36%	37.77%	34.12%	42.71%	44.18%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.17	6.75	7.43	6.78	6.40	7.62	7.23	7.01	6.09	7.79	8.20
NOPAT to Interest Expense	5.10	4.94	5.89	4.92	5.81	5.61	5.34	5.47	6.19	5.98	6.12
EBIT Less CapEx to Interest Expense	6.13	6.69	7.40	6.74	6.35	7.26	6.94	6.76	5.85	7.49	7.90
NOPAT Less CapEx to Interest Expense	5.06	4.87	5.85	4.88	5.75	5.25	5.06	5.23	5.94	5.68	5.82
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	180.32%	137.62%	81.53%	94.45%	88.83%	96.60%	129.25%	160.23%	167.67%	166.00%	188.11%

Key Financial Trends

Fair Isaac (NYSE: FICO) has demonstrated consistent financial growth over the analyzed four-year period, with notable trends in revenue, profitability, and cash flow management. Here's a summary highlighting key positive, neutral, and negative aspects based on the last several quarters:

Steady increase in operating revenue: Revenue grew from $344.9 million in Q1 2023 to $536.4 million in Q3 2025, reflecting solid top-line expansion primarily driven by continued demand for Fair Isaac's products and services.
Gross profit expansion: Gross profit increased from $268.3 million in Q1 2023 to $448.8 million in Q3 2025, showing effective cost management on cost of revenue despite increasing scale.
Rising net income and EPS: Net income improved significantly over the period, reaching $181.8 million in Q3 2025 up from $97.6 million in Q1 2023, with corresponding diluted EPS growing to $7.40 from $3.84. This indicates growing profitability and shareholder value.
Consistent positive operating cash flows: Net cash from operating activities rose to $286.2 million in Q3 2025 from $92.4 million in Q1 2023, showing strong cash generation capacity enabling investment and debt management.
Strategic debt issuance and repayment: The company actively managed its capital structure, issuing $1.5 billion of debt in Q3 2025 while repaying $1.25 billion, balancing leverage and liquidity needs.
Investments in property and other assets: Capital expenditures and investments have fluctuated but remain moderate (e.g., around $9-10 million in recent quarters), supporting business growth without excessive outlays.
Stable goodwill and intangible assets: Goodwill remains steady around $770-$780 million, indicating no major write-downs or impairment events over the period, suggesting financial stability and sustained value of acquired assets.
Negative total equity value: Total common equity was negative, e.g., -$1.39 billion in Q3 2025, mainly due to large treasury stock balances substantially exceeding equity. This signals extensive share repurchases reducing shareholders’ equity on the balance sheet.
High liabilities relative to assets: Total liabilities consistently exceed total assets by a large margin, resulting in negative net equity. While the business is profitable, this legacy balance sheet structure warrants attention as leverage risk.
Significant share repurchases: The company repurchased common stock aggressively (e.g., $487.2 million in Q3 2025) which boosts EPS but has contributed to negative equity and could constrain financial flexibility.

Summary: Fair Isaac is growing revenue and earnings strongly, with excellent cash flow from operations and active capital management. The company’s profitability and operational metrics are trending positively, demonstrating effective cost control and business expansion. However, the balance sheet shows a structurally negative equity largely driven by substantial treasury stock and liabilities above assets, reflecting extensive share buybacks and debt usage. Investors should weigh the company's earnings momentum and cash flow strength against the balance sheet risks and leverage considerations when evaluating FICO.

08/18/25 02:59 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Fair Isaac's Financials

When does Fair Isaac's fiscal year end?

According to the most recent income statement we have on file, Fair Isaac's financial year ends in September. Their financial year 2024 ended on September 30, 2024.

How has Fair Isaac's net income changed over the last 10 years?

Fair Isaac's net income appears to be on an upward trend, with a most recent value of $512.81 million in 2024, rising from $94.88 million in 2014. The previous period was $429.38 million in 2023. See Fair Isaac's forecast for analyst expectations on what’s next for the company.

What is Fair Isaac's operating income?

Fair Isaac's total operating income in 2024 was $733.63 million, based on the following breakdown:

Total Gross Profit: $1.37 billion
Total Operating Expenses: $635.69 million

How has Fair Isaac's revenue changed over the last 10 years?

Over the last 10 years, Fair Isaac's total revenue changed from $788.99 million in 2014 to $1.72 billion in 2024, a change of 117.7%.

How much debt does Fair Isaac have?

Fair Isaac's total liabilities were at $2.68 billion at the end of 2024, a 18.4% increase from 2023, and a 263.4% increase since 2014.

How much cash does Fair Isaac have?

In the past 10 years, Fair Isaac's cash and equivalents has ranged from $75.93 million in 2016 to $195.35 million in 2021, and is currently $150.67 million as of their latest financial filing in 2024.

How has Fair Isaac's book value per share changed over the last 10 years?

Over the last 10 years, Fair Isaac's book value per share changed from 14.14 in 2014 to -39.26 in 2024, a change of -377.7%.

Related Companies

This page (NYSE:FICO) was last updated on 8/18/2025 by MarketBeat.com Staff

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Fair Isaac (FICO) Financials

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