FICO Chart
About

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.

Fundamentals
Scroll to Statements
Sector Technology Industry Software - Application Market Cap 31.63B
Enterprise Value 37.24B Income 657.79M Sales 2.06B
Book/sh -76.09 Cash/sh 6.83 Dividend Yield
Payout 0.00% Employees 3762 IPO
P/E 49.47 Forward P/E 24.99 PEG
P/S 15.33 P/B -17.52 P/C
EV/EBITDA 37.03 EV/Sales 18.05 Quick Ratio 0.87
Current Ratio 0.93 Debt/Eq LT Debt/Eq
EPS (ttm) 26.95 EPS next Y 53.36 EPS Growth 7.70%
Revenue Growth 16.40% Earnings 2026-04-28 ROA 34.76%
ROE ROIC Gross Margin 82.86%
Oper. Margin 45.72% Profit Margin 31.89% Shs Outstand 23.72M
Shs Float 23.05M Short Float 6.73% Short Ratio 3.81
Short Interest 52W High 2217.60 52W Low 1193.10
Beta 1.28 Avg Volume 281.79K Volume 154.45K
Target Price $1955.76 Recom Buy Prev Close $1441.20
Price $1333.26 Change -7.49%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$1955.76
Mean price target
2. Current target
$1333.26
Latest analyst target
3. DCF / Fair value
$434.91
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1333.26
Low
$1032.00
High
$2500.00
Mean
$1955.76

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-03 main Goldman Sachs Buy → Buy $1770
2026-01-29 reit Needham Buy → Buy $1975
2026-01-16 main Jefferies Buy → Buy $2200
2026-01-14 main Wells Fargo Overweight → Overweight $2500
2025-11-06 main JP Morgan Neutral → Neutral $1825
2025-11-06 main Jefferies Buy → Buy $2100
2025-11-06 main Baird Outperform → Outperform $1960
2025-11-06 main BMO Capital Outperform → Outperform $2200
2025-10-14 main Wells Fargo Overweight → Overweight $2400
2025-10-02 main Barclays Overweight → Overweight $2400
2025-10-02 reit Needham Buy → Buy $1950
2025-10-01 init Seaport Global — → Buy $1800
2025-09-15 main UBS Neutral → Neutral $1640
2025-09-08 main UBS Neutral → Neutral $1590
2025-08-18 main BMO Capital Outperform → Outperform $1800
2025-08-04 main BMO Capital Outperform → Outperform $1650
2025-07-31 main Raymond James Outperform → Outperform $1800
2025-07-31 main Oppenheimer Outperform → Outperform $1953
2025-07-16 main Needham Buy → Buy $1950
2025-07-10 init BMO Capital — → Outperform $2000
Insider Transactions
Date Shares Url Text Insider Position Transaction Start Date Ownership Value
0 154 MANOLIS EVA Director 2026-03-04 00:00:00 D nan
1 154 ARREDONDO FABIOLA R Director 2026-03-04 00:00:00 D nan
2 94 REY DAVID A Director 2026-03-04 00:00:00 D nan
3 77 STANSBURY HENRY TAYLOE Director 2026-03-04 00:00:00 D nan
4 77 MCMORRIS MARC F Director 2026-03-04 00:00:00 D nan
5 171 KELLY BRADEN R Director 2026-03-04 00:00:00 D nan
6 520 Conversion of Exercise of derivative security at price 247.82 per share. MANOLIS EVA Director 2026-02-25 00:00:00 D 128866.0
7 520 Sale at price 1227.63 per share. MANOLIS EVA Director 2026-02-25 00:00:00 D 638368.0
8 3192 Conversion of Exercise of derivative security at price 247.82 per share. REY DAVID A Director 2026-02-24 00:00:00 D 791041.0
9 358 Conversion of Exercise of derivative security at price 391.57 per share. REES JOANNA Director 2026-02-13 00:00:00 I 140182.0
Financials
Line Item2025-09-302024-09-302023-09-302022-09-30
TaxEffectOfUnusualItems-2.05M0.00434.78K0.00
TaxRateForCalcs0.190.200.220.21
NormalizedEBITDA962.12M761.49M661.87M560.74M
TotalUnusualItems-10.92M0.001.94M0.00
TotalUnusualItemsExcludingGoodwill-10.92M0.001.94M0.00
NetIncomeFromContinuingOperationNetMinorityInterest651.95M512.81M429.38M373.54M
ReconciledDepreciation14.95M13.83M14.64M20.46M
ReconciledCostOfRevenue338.77M335.30M297.51M283.77M
EBITDA951.19M761.49M663.81M560.74M
EBIT936.24M747.66M649.17M540.28M
NetInterestIncome-133.65M-105.64M-95.55M-68.97M
InterestExpense133.65M105.64M95.55M68.97M
NormalizedIncome660.81M512.81M427.87M373.54M
NetIncomeFromContinuingAndDiscontinuedOperation651.95M512.81M429.38M373.54M
TotalExpenses1.06B983.90M872.67M834.86M
TotalOperatingIncomeAsReported924.85M733.63M642.83M542.41M
DilutedAverageShares24.56M25.08M25.37M26.35M
BasicAverageShares24.24M24.68M24.99M26.04M
DilutedEPS26.5420.4516.9314.18
BasicEPS26.9020.7817.1814.34
DilutedNIAvailtoComStockholders651.95M512.81M429.38M373.54M
NetIncomeCommonStockholders651.95M512.81M429.38M373.54M
NetIncome651.95M512.81M429.38M373.54M
NetIncomeIncludingNoncontrollingInterests651.95M512.81M429.38M373.54M
NetIncomeContinuousOperations651.95M512.81M429.38M373.54M
TaxProvision150.65M129.21M124.25M97.77M
PretaxIncome802.60M642.02M553.62M471.31M
OtherIncomeExpense470.00K14.03M8.28M-2.14M
OtherNonOperatingIncomeExpenses11.39M14.03M6.34M-2.14M
SpecialIncomeCharges-10.92M0.001.94M0.00
GainOnSaleOfBusiness0.000.001.94M0.00
RestructuringAndMergernAcquisition10.92M0.000.000.00
NetNonOperatingInterestIncomeExpense-133.65M-105.64M-95.55M-68.97M
InterestExpenseNonOperating133.65M105.64M95.55M68.97M
OperatingIncome935.77M733.63M640.89M542.41M
OperatingExpense701.38M635.69M561.62M532.68M
DepreciationAmortizationDepletionIncomeStatement0.00917.00K1.10M2.06M
DepreciationAndAmortizationInIncomeStatement0.00917.00K1.10M2.06M
Amortization0.00917.00K1.10M2.06M
AmortizationOfIntangiblesIncomeStatement0.00917.00K1.10M2.06M
ResearchAndDevelopment188.35M171.94M159.95M146.76M
SellingGeneralAndAdministration513.03M462.83M400.56M383.86M
GrossProfit1.64B1.37B1.20B1.08B
CostOfRevenue353.72M348.21M311.05M302.17M
TotalRevenue1.99B1.72B1.51B1.38B
OperatingRevenue1.99B1.72B1.51B1.38B
Line Item2025-09-302024-09-302023-09-302022-09-30
TreasurySharesNumber65.09M64.46M64.09M63.70M
OrdinarySharesNumber23.76M24.39M24.77M25.15M
ShareIssued88.86M88.86M88.86M88.86M
NetDebt2.92B2.06B1.72B1.72B
TotalDebt3.07B2.23B1.90B1.91B
TangibleBookValue-2.53B-1.75B-1.46B-1.57B
InvestedCapital1.31B1.25B1.17B1.05B
WorkingCapital-144.05M237.13M188.76M153.26M
NetTangibleAssets-2.53B-1.75B-1.46B-1.57B
CapitalLeaseObligations19.19M21.96M40.24M58.56M
CommonStockEquity-1.75B-962.68M-687.99M-801.95M
TotalCapitalization910.37M1.23B1.12B1.02B
TotalEquityGrossMinorityInterest-1.75B-962.68M-687.99M-801.95M
StockholdersEquity-1.75B-962.68M-687.99M-801.95M
GainsLossesNotAffectingRetainedEarnings-92.05M-91.63M-102.14M-124.70M
OtherEquityAdjustments-92.05M-91.63M-102.14M-124.70M
TreasuryStock7.54B6.14B5.32B4.94B
RetainedEarnings4.55B3.90B3.39B2.96B
AdditionalPaidInCapital1.33B1.37B1.35B1.30B
CapitalStock238.00K244.00K248.00K252.00K
CommonStock238.00K244.00K248.00K252.00K
PreferredStock0.000.000.000.00
TotalLiabilitiesNetMinorityInterest3.61B2.68B2.26B2.24B
TotalNonCurrentLiabilitiesNetMinorityInterest2.76B2.30B1.90B1.91B
OtherNonCurrentLiabilities89.36M84.29M60.02M49.66M
LongTermDebtAndCapitalLeaseObligation2.68B2.22B1.84B1.86B
LongTermCapitalLeaseObligation19.19M21.96M23.90M39.19M
LongTermDebt2.66B2.19B1.81B1.82B
CurrentLiabilities849.22M380.29M367.69M331.46M
CurrentDeferredLiabilities187.37M156.90M136.73M120.05M
CurrentDeferredRevenue187.37M156.90M136.73M120.05M
CurrentDebtAndCapitalLeaseObligation399.54M15.00M66.34M49.37M
CurrentCapitalLeaseObligation11.55M16.34M19.37M22.07M
CurrentDebt399.54M15.00M50.00M30.00M
OtherCurrentBorrowings399.54M15.00M50.00M30.00M
PensionandOtherPostRetirementBenefitPlansCurrent115.37M106.10M102.47M97.89M
PayablesAndAccruedExpenses146.93M102.28M62.15M64.15M
CurrentAccruedExpenses114.62M79.81M43.14M46.88M
InterestPayable53.50M21.66M20.77M21.31M
Payables32.31M22.47M19.01M17.27M
AccountsPayable32.31M22.47M19.01M17.27M
TotalAssets1.87B1.72B1.58B1.44B
TotalNonCurrentAssets1.16B1.10B1.02B957.32M
OtherNonCurrentAssets112.52M117.87M115.77M102.51M
NonCurrentDeferredAssets118.55M86.51M59.14M11.80M
NonCurrentDeferredTaxesAssets118.55M86.51M59.14M11.80M
InvestmentsAndAdvances54.62M45.29M33.01M25.65M
OtherInvestments1.22M1.14M1.31M
InvestmentinFinancialAssets54.62M45.29M33.01M24.52M
AvailableForSaleSecurities45.29M33.01M24.52M31.88M
TradingSecurities54.62M45.29M31.88M
GoodwillAndOtherIntangibleAssets783.34M782.75M774.24M763.08M
OtherIntangibleAssets917.00K2.02M4.10M
Goodwill783.34M782.75M773.33M761.07M
NetPPE93.93M68.05M36.67M54.27M
AccumulatedDepreciation-45.57M-77.45M-88.00M-94.83M
GrossPPE139.50M145.50M124.67M149.10M
Leases15.90M15.85M16.74M21.29M
OtherProperties26.21M29.58M25.70M36.69M
MachineryFurnitureEquipment97.39M100.07M82.22M91.12M
BuildingsAndImprovements47.27M
Properties0.000.000.000.00
CurrentAssets705.16M617.41M556.45M484.71M
OtherCurrentAssets41.88M40.10M31.72M29.10M
PrepaidAssets29.10M43.51M
Receivables529.15M426.64M387.95M322.41M
OtherReceivables155.41M
AccountsReceivable529.15M426.64M387.95M322.41M
AllowanceForDoubtfulAccountsReceivable-4.15M
GrossAccountsReceivable160.85M
CashCashEquivalentsAndShortTermInvestments134.14M150.67M136.78M133.20M
CashAndCashEquivalents134.14M150.67M136.78M133.20M
CashEquivalents6.00K7.90M23.62M19.31M
CashFinancial134.13M142.77M113.16M113.89M
Line Item2025-09-302024-09-302023-09-302022-09-30
FreeCashFlow739.40M607.41M464.68M503.42M
RepurchaseOfCapitalStock-1.41B-821.70M-405.53M-1.10B
RepaymentOfDebt-1.37B-603.33M-402.00M-988.25M
IssuanceOfDebt2.23B947.00M407.00M1.59B
CapitalExpenditure-39.41M-25.55M-4.24M-6.03M
InterestPaidSupplementalData103.56M106.39M96.88M57.21M
IncomeTaxPaidSupplementalData162.09M133.72M152.78M65.33M
EndCashPosition134.14M150.67M136.78M133.20M
BeginningCashPosition150.67M136.78M133.20M195.35M
EffectOfExchangeRateChanges-1.29M1.84M5.62M-18.77M
ChangesInCash-15.24M12.05M-2.04M-43.39M
FinancingCashFlow-750.33M-592.92M-455.00M-547.16M
CashFlowFromContinuingFinancingActivities-750.33M-592.92M-455.00M-547.16M
NetOtherFinancingCharges-221.76M-139.89M-76.67M-59.76M
ProceedsFromStockOptionExercised32.82M25.01M22.20M16.03M
NetCommonStockIssuance-1.41B-821.70M-405.53M-1.10B
CommonStockPayments-1.41B-821.70M-405.53M-1.10B
NetIssuancePaymentsOfDebt853.11M343.67M5.00M600.75M
NetShortTermDebtIssuance423.00M
ShortTermDebtPayments-259.00M
ShortTermDebtIssuance682.00M
NetLongTermDebtIssuance853.11M343.67M5.00M600.75M
LongTermDebtPayments-1.37B-603.33M-402.00M-988.25M
LongTermDebtIssuance2.23B947.00M407.00M1.59B
InvestingCashFlow-43.72M-27.99M-15.95M-5.67M
CashFlowFromContinuingInvestingActivities-43.72M-27.99M-15.95M-5.67M
NetOtherInvestingChanges-6.13M2.26M147.43M
DividendsReceivedCFI0.00-210.00K
NetInvestmentPurchaseAndSale-4.31M-2.44M-5.59M-1.90M
SaleOfInvestment2.18M15.93M5.03M8.06M
PurchaseOfInvestment-6.50M-18.37M-10.62M-9.96M
NetBusinessPurchaseAndSale0.000.00-210.00K
SaleOfBusiness147.43M
PurchaseOfBusiness0.000.00-210.00K
NetPPEPurchaseAndSale-8.92M-8.88M-4.24M-6.03M
PurchaseOfPPE-8.92M-8.88M-4.24M-6.03M
CapitalExpenditureReported-30.48M-16.67M0.000.00
OperatingCashFlow778.81M632.96M468.92M509.45M
CashFlowFromContinuingOperatingActivities778.81M632.96M468.92M509.45M
ChangeInWorkingCapital-18.55M-20.48M-63.45M-35.91M
ChangeInOtherWorkingCapital29.74M13.97M18.76M23.55M
ChangeInOtherCurrentLiabilities31.57M7.22M-7.06M-28.83M
ChangeInPayablesAndAccruedExpense19.91M6.51M6.87M-6.44M
ChangeInAccruedExpense10.06M3.19M4.63M-3.64M
ChangeInPayable9.85M3.32M2.24M-2.80M
ChangeInAccountPayable9.85M3.32M2.24M-2.80M
ChangeInPrepaidAssets610.00K-14.03M-11.90M7.37M
ChangeInReceivables-100.38M-34.14M-70.12M-31.56M
ChangesInAccountReceivables-100.38M-34.14M-70.12M-31.56M
OtherNonCashItems9.60M12.42M14.71M15.92M
StockBasedCompensation156.67M149.44M123.85M115.36M
ProvisionandWriteOffofAssets1.49M1.68M1.48M2.80M
AssetImpairmentCharge0.000.00
DeferredTax-32.49M-27.33M-47.38M7.82M
DeferredIncomeTax-32.49M-27.33M-47.38M7.82M
DepreciationAmortizationDepletion14.95M13.83M14.64M20.46M
DepreciationAndAmortization14.95M13.83M14.64M20.46M
OperatingGainsLosses-4.81M-9.40M-4.30M9.46M
GainLossOnInvestmentSecurities-5.02M-9.83M-2.91M9.27M
GainLossOnSaleOfPPE210.00K438.00K547.00K193.00K
GainLossOnSaleOfBusiness-100.14M
NetIncomeFromContinuingOperations651.95M512.81M429.38M373.54M
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Public Trades for FICO
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status