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NYSE · SERVICES-BUSINESS SERVICES, NEC · LARGE CAP

Fair Isaac Corp. FICO

18 fiscal years on record · USD · FY2025 reported · SEC filings only
$2.0B
▲ 15.9% YoY
$651.9M
▲ 27.1% YoY
$769.9M
▲ 23.4% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

FICO's scores and software products and services serve clients in multiple industries, including banking, insurance, retail, healthcare and public agencies. As of September 30, 2025, it employed 3,811 persons across 28 countries. Its business consists of two operating segments: Scores and Software. Its Scores segment includes business-to-business scoring solutions and services that give clients access to predictive credit and other scores integrated into their transaction streams and decision-making processes. Its Software segment includes pre-configured analytic and decision management solutions designed for specific business needs or processes such as account origination, customer management, customer engagement, fraud detection and marketing, along with associated professional services. FICO was founded in 1956.

Written from the business description in FAIR ISAAC CORP's annual report to the U.S. Securities and Exchange Commission, filed 7 November 2025. Every sentence was checked against that document before publication.

Growth

USD 2.0B
Revenue, FY2025 · full 18-year series below
Revenue $B Net income $B
FY2025 · Revenue 2.0 · Net income 0.7
1B2B
2008201120142017202020232025
Compound annual growth
+13.1%
+9.0%
+9.0%
+8.3%
+20.4%
+22.5%
+22.4%
+16.7%
+23.2%
+27.4%
+25.9%
+21.6%
+0.0%
+0.0%
+8.3%
+46.2%
+28.4%
+13.9%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +9.0% a year over the five years to FY2025 — but profit grew faster: net income at +22.5%, earnings per share at +27.4%.

The share count fell from 0.03B to 0.02B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

33 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 46.5% · Net 32.7%
20%40%
200820162025
ROE
FY2020 · ROE 76.2%
20%40%60%
200820162025
Three returns, three denominators.
Return on equityNot applicable: equity was zero or negative in this period, so return on equity has no meaning.

Return on equity has no reading this year — return on capital employed, just below, still does: 78%.

Cash & shareholders

USD 1.4B
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 769.9
300M600M
200820162025
Net buybacks $B Dividends $B
FY2025 · Dividends · · Net buybacks 1.4
0.5B1.0B
2008201120142017202020232025

USD 1.4B in buybacks — 215% of the year's profit, so the payout drew on cash built up earlier.

Total assetsUSD 1.9B
EquityUSD -1.7B
CashUSD 134.1M
Gross debtUSD 3.1B
Net debtUSD 2.9B
Current ratio0.83×

Equity was zero or negative — liabilities equaled or exceeded assets. No ratio is shown.

The 18-year record

18 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
FICO, 18-year financial record
Metric 202520242023202220212020201920182017201620152014201320122011201020092008
Revenue $B2.01.71.51.41.31.31.21.00.90.90.80.80.70.70.60.60.60.7
Operating income $B0.90.70.60.50.50.30.30.20.20.20.10.20.20.20.10.10.10.1
EBITDA $B0.90.70.70.60.50.30.30.20.20.20.20.20.20.20.20.10.20.2
Income tax $B0.20.10.10.10.10.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.70.50.40.40.40.20.20.10.10.10.10.10.10.10.10.10.10.1
Free cash flow $B0.80.60.50.50.40.30.20.20.20.20.10.20.10.10.10.10.10.1
EPS, diluted $26.5420.4516.9314.1813.407.906.344.064.143.392.652.722.482.551.791.421.331.70
Dividend / sh $◌◌◌◌◌◌◌◌◌◌◌◌0.080.080.080.080.080.08
Payout %——————001233334665
ROE %—————76.266.633.628.223.819.419.317.919.615.212.011.214.9
Shares out B0.020.020.020.030.030.030.030.030.030.030.030.030.030.030.040.040.05◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 70 reconciliationsAUDITED

Reconciled in 18 of the 18 fiscal years we could check. Four checks were skipped: the balance sheet is not tagged before 2009. One check was skipped: EPS is not tagged before 2008. One check was skipped: revenue is not tagged before 2008.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityServices-Business Services, NEC
Listed onNYSE
Incorporated inDelaware
Fiscal year endsSeptember 30
Data on record since2008

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