FAIR ISAAC CORP financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
FICO on NYSE
Location
Bozeman, MT
Fiscal year end
30 September
Latest financial report
28 Jan 2026

Quick Takeaways

  • FICO - FAIR ISAAC CORP financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity -45%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-24%</span>.
  • Most recent SEC facts end date: 21 Jan 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-01-21) highlights Return On Equity -44.7%, Return On Assets 34.8%, and Operating Margin 45.7%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

66.1/100

Balanced Confidence high

Return On Equity

-45%

Metric score 0.0/100

Return On Assets

35%

Metric score 100.0/100

Financial Health

Current Ratio
0.93x
Quick Ratio
0.87x
Debt to Equity
-2.22x

Strengths

Return On Assets, Operating Margin, and Current Ratio

Watchpoints

Return On Equity and Debt-to-equity

Key metrics snapshot

Return On Equity

-45%

YoY: -24%

Industry median: 2.7% (n=139)

View history

Return On Assets

35%

YoY: +12%

Industry median: -2.2% (n=136)

View history

Operating Margin

46%

YoY: +11%

Industry median: 0.34% (n=112)

View history

Current Ratio

0.93x

YoY: -48%

Industry median: 1.07x (n=133)

View history

Quick Ratio

0.87x

YoY: -46%

Industry median: 0.78x (n=95)

View history

Debt-to-equity

-2.22x

YoY: -22%

Industry median: 0.51x (n=121)

View history

Revenues YoY

16%

YoY:

Industry median: 7.3% (n=113)

View history

NetIncomeLoss YoY

21%

YoY:

Industry median: -0.54% (n=122)

View history

Profitability

Metric Latest value YoY change
Return On Equity -45% -24%
Return On Assets 35% +12%
Operating Margin 46% +11%

Financial Health

Metric Latest value YoY change
Current Ratio 0.93x -48%
Quick Ratio 0.87x -46%
Debt-to-equity -2.22x -22%

Growth

Metric Latest value YoY change
Revenues YoY 16%
NetIncomeLoss YoY 21%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 23,722,134 -2.8%
Common Stock, Shares, Outstanding 23,763,000 -2.8%
Weighted Average Number of Shares Outstanding, Basic 23,723,000 -2.7%
Weighted Average Number of Shares Outstanding, Diluted 23,958,000 -3.5%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $2,062,860,000 +16%
Cost of Revenue $353,638,000 +0.44%
Research and Development Expense $193,114,000 +11%
Costs and Expenses $1,083,489,000 +6.9%
Operating Income (Loss) $979,371,000 +29%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $844,397,000 +28%
Income Tax Expense (Benefit) $186,606,000 +59%
Earnings Per Share, Basic 27.32 +23%
Earnings Per Share, Diluted 27.01 +24%
Cash and Cash Equivalents, at Carrying Value $162,034,000 -12%
Accounts Receivable, after Allowance for Credit Loss, Current $495,117,000 +41%
Assets, Current $698,807,000 +17%
Deferred Income Tax Assets, Net $110,980,000 +19%
Property, Plant and Equipment, Net $73,711,000 +71%
Operating Lease, Right-of-Use Asset $24,725,000 -13%
Goodwill $783,520,000 +1%
Other Assets, Noncurrent $106,551,000 -14%
Assets $1,854,160,000 +8.6%
Accounts Payable, Current $26,565,000 +15%
Employee-related Liabilities, Current $76,809,000 -0.39%
Accrued Liabilities, Current $75,576,000 +49%
Contract with Customer, Liability, Current $173,400,000 +4.8%
Liabilities, Current $752,059,000 +127%
Contract with Customer, Liability, Noncurrent $1,800,000 -44%
Operating Lease, Liability, Noncurrent $17,895,000 -14%
Other Liabilities, Noncurrent $95,249,000 +10%
Liabilities $3,662,294,000 +29%
Accumulated Other Comprehensive Income (Loss), Net of Tax $92,117,000 +14%
Retained Earnings (Accumulated Deficit) $4,711,189,000 +16%
Stockholders' Equity Attributable to Parent $1,808,134,000 -59%
Liabilities and Equity $1,854,160,000 +8.6%
Share-based Payment Arrangement, Noncash Expense $160,282,000 +1.1%
Increase (Decrease) in Accounts Receivable $39,790,000 +31%
Net Cash Provided by (Used in) Operating Activities $174,082,000 -10%
Net Cash Provided by (Used in) Financing Activities $133,482,000 +7.4%
Net Cash Provided by (Used in) Investing Activities $12,734,000 -42%
Common Stock, Shares Authorized 200,000,000 0%
Common Stock, Shares, Issued 88,857,000 0%
Common Stock, Par or Stated Value Per Share 0.01 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $27,898,000 -17%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $162,034,000 -12%
Interest Paid, Excluding Capitalized Interest, Operating Activities $78,812,000 +80%
Depreciation $10,755,000 +4.4%
Payments to Acquire Property, Plant, and Equipment $226,000 -73%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $673,357,000 +27%
Deferred Income Tax Expense (Benefit) $7,869,000
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 1,000,000 0%
Unrecognized Tax Benefits $20,300,000 -1.9%
Preferred Stock, Shares Outstanding 0
Depreciation, Depletion and Amortization $4,017,000 +14%
Preferred Stock, Par or Stated Value Per Share 0.01 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY