MARKETS / NYSE / FICO

NYSE · SERVICES-BUSINESS SERVICES, NEC · LARGE CAP

Fair Isaac Corp. FICO

18 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$2.0B

▲ 15.9% YoY

Net income

$651.9M

▲ 27.1% YoY

Free cash flow

$769.9M

▲ 23.4% YoY

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

Compound annual growth

Revenue

+13.1%

+9.0%

+8.3%

Net income

+20.4%

+22.5%

+22.4%

+16.7%

EPS, diluted

+23.2%

+27.4%

+25.9%

+21.6%

Dividend / share

+0.0%

Returned to shareholders

+8.3%

+46.2%

+28.4%

+13.9%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +9.0% a year over five years — 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%

ROE

FY2021 · ROE 356.2%

Gross margin82.2%

Operating margin46.5%

Net margin32.7%

Return on assets36.4%

EBITDAUSD 939.8M

Cash & shareholders

USD 1.4B

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 769.9

Net buybacks $B Dividends $B

FY2025 · Dividends — · Net buybacks 1.4

Dividends paid—

Net buybacksUSD 1.4B

Share of profit214.7%

Consecutive raises—

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 negative — liabilities 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

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue $B	2.0	1.7	1.5	1.4	1.3	1.3	1.2	1.0	0.9	0.9	0.8	0.8	0.7	0.7	0.6	0.6	0.6	0.7
Operating income $B	0.9	0.7	0.6	0.5	0.5	0.3	0.3	0.2	0.2	0.2	0.1	0.2	0.2	0.2	0.1	0.1	0.1	0.1
EBITDA $B	0.9	0.7	0.7	0.6	0.5	0.3	0.3	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.1	0.2	0.2
Income tax $B	0.2	0.1	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.7	0.5	0.4	0.4	0.4	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
Free cash flow $B	0.8	0.6	0.5	0.5	0.4	0.3	0.2	0.2	0.2	0.2	0.1	0.2	0.1	0.1	0.1	0.1	0.1	0.1
EPS, diluted $	26.54	20.45	16.93	14.18	13.40	7.90	6.34	4.06	4.14	3.39	2.65	2.72	2.48	2.55	1.79	1.42	1.33	1.70
Dividend / sh $	·	·	·	·	·	·	·	·	·	·	·	·	0.08	0.08	0.08	0.08	0.08	0.08
Payout %	·	·	·	·	·	·	0	0	1	2	3	3	3	3	4	6	6	5
ROE %	·	·	·	·	356.2	76.2	66.6	33.6	28.2	23.8	19.4	19.3	17.9	19.6	15.2	12.0	11.2	14.9
Shares out B	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.05	·

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

Provenance

Company facts, as filed

How we verify · 0 failures in 70 reconciliationsAUDITED

Reconciled in 18 of 19 fiscal years. 7 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityServices-Business Services, NEC

Listed onNYSE

Incorporated inDelaware

Fiscal year endsSeptember 30

Data on record since2008