Score Your Stock

US stock · figures in US dollars · scored on full-year results

Fair Isaac Fair Isaac Corporation Common Stock

FICO · Technology · Software - Application
Top 10% of scored stocks
OkayTop 10% of scored stocks

Fair Isaac scores 71/100 on fundamentals: in the top 10% of 503 scored S&P 500 stocks. Its strongest area is Financial Safety (83/100); its weakest is Price Fairness (50/100).

Best
Financial 83
Weakest
Price 50

A financially strong stock with healthy growth, but price fairness needs attention.

What looks good
What to watch
Mkt capUS$ 15.4b#449 of 503 in the S&P 500EPSUS$ 34.54P/E18.9×✓ vs sector median 31.8×P/Bn/m (negative equity)Div yieldNo dividends paidBottom 11% in the S&P 50052w range · 10% of range586.051858.91
as of 31 Oct 2026

Nearby peers

Ranks #14 of 86 in Technology by score

#1First Solar87#12Microsoft72#13Advanced Micro Devices71
#14Fair Isaac71
#15Amphenol70#16Corning70

One-Minute Summary

Why Fair Isaac scores 71

A financially strong stock with healthy growth, but price fairness needs attention.

What looks good
What to watch

Business Strength

80
Why 80?
Pillar score: (0 + 2 + 2 + 2 + 2) = 8 of 10 points → 80
Return on Equity (ROE)n/m (negative equity)Weak4-Year Revenue Growth+17%/yrStrong4-Year Profit Growth+24%/yrStrongNet Profit Margin34%StrongQuarterly Momentum+24%Strong
Show 3 charts

Net Profit & Equity, with ROE

Net Profit ↑ +89.8%Equity ↓ -495.5%
Net ProfitEquityROE %
429m513m652m815m-688m-963m-1.7b-4.1b202320242025TTM

Revenue & Net Profit, with Net Margin

Revenue ↑ +58.1%Net Profit ↑ +89.8%Net Margin % 34%
RevenueNet ProfitNet Margin %
1.5b1.7b2.0b2.4b429m513m652m815m202320242025TTM28.4%29.9%32.7%34%

Sales grew about 58.1% over 4 years: customers keep spending more with this company.

Profit climbed about 89.8% over 4 years: the business keeps more money as it grows.

Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)

Revenue ↑ +48.6%Net Profit ↑ +74.8%Net Margin % 35.2%
RevenueNet ProfitNet Margin %
454m440m499m536m516m512m692m674m136m153m163m182m155m158m265m237mQ3'24Q4'24Q1'25Q2'25Q3'25Q4'25Q1'26Q2'2629.9%34.7%32.6%33.9%30.1%30.9%38.2%35.2%
▲▲▲▲▲▬▲▲

Sales grew about 48.6% over the last 8 quarters: customers keep spending more with this company.

Profit grew about 74.8% over the last 8 quarters: the business is keeping more of what it earns.

Why 83?
Pillar score: (2 + 1 + 2) = 5 of 6 points → 83
Debt-to-Equity-1.4×StrongCurrent Ratio1.2×OkayInterest Coverage6.7×Strong
Show 2 charts

Debt vs Equity, with D/E ratio

Total Debt ↑ +194.3%Equity ↓ -495.5%
Total DebtEquityD/E
1.9b2.2b3.1b5.6b-688m-963m-1.7b-4.1b202320242025TTM

Borrowings grew about 194.3% over 4 years: watch this; rising debt adds pressure in bad times.

Short-term assets vs bills, with Current Ratio

Current Assets ↑ +58.4%Current Liabilities ↑ +102.7%Current Ratio 1.2×
Current AssetsCurrent LiabilitiesCurrent Ratio
556m617m705m882m368m380m849m745m202320242025TTM1.5×1.6×0.8×1.2×
Why 63?
Pillar score: (0 + 2 + 2 + 1) = 5 of 8 points → 63
Dividend QualityNo dividends paidWeak
Payout ratio: 0%
Operating Cash FlowPositive & growingStrongFree Cash FlowPositive & growingStrongCash & Cash EquivalentsPartly healthyOkay
Show 3 charts

Operating vs Free Cash Flow

Operating CF ↑ +113.6%Free CF ↑ +106.8%
Operating CFFree CF
469m633m779m1.0b465m607m739m961m202320242025TTM

The business generates real cash, and more of it each year: a very healthy sign.

Cash vs Total Debt

Cash ↑ +81.6%Short-Term Debt ↑ +500%Total Debt ↑ +194.3%
CashShort-Term DebtTotal Debt
137m151m134m248m50m15m400m300m1.9b2.2b3.1b5.6b202320242025TTM

Dividends per Share, with Yield

DPS (cents) → +0%Yield % 0%
DPS (cents)Yield %
0000202320242025TTM0%0%0%0%

Dividends per share have been maintained or raised: management shares the rewards with you.

Why 50?
Pillar score: (1 + 0 + 2) = 3 of 6 points → 50
P/E Ratio18.9×OkayP/B Ration/m (negative equity)WeakPEG Ratio0.8Strong
Show chart

Share Price: Weekly Closes (not part of the score)

US$ 1844.98US$ 1253.12US$ 661.25Oct '25Feb '26Jun '26Oct '26

The share price is down about 57.1% over the past year.

Why 80?
Pillar score: (2 + 0 + 2 + 2 + 2) = 8 of 10 points → 80 · 1 N/A skipped
Earnings ConsistencySteadyStrongDebt Trend (4yr)RisingWeakShare Count Trend (4yr)-5%/yrStrongAsset Turnover Trend (4yr)+22.3%StrongQuarterly Consistency0 of 4 quarters downStrong

No data: Inventory vs Sales (4yr)

Ranks #14 of 86 in Technology by score

Sector peers

#1First Solar87#12Microsoft72#13Advanced Micro Devices71
#14Fair Isaac (you)71
#15Amphenol70#16Corning70

Full Financial History

Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.

Financial YearRevenueNet ProfitOperating Cash FlowFree Cash FlowCapExCashTotal DebtShort-Term DebtEquityCurrent AssetsCurrent LiabilitiesTotal AssetsTotal LiabilitiesDividendsReturn on Equity (ROE)Net Profit MarginDebt-to-EquityCurrent RatioInterest CoverageDiv yieldP/E RatioP/B RatioPEG Ratio
2026US$ 2.4bUS$ 815.0mUS$ 1.0bUS$ 960.9mUS$ -40.7mUS$ 248.4mUS$ 5.6bUS$ 300.0mUS$ -4.1bUS$ 881.6mUS$ 745.2mUS$ 2.0bUS$ 6.1bUS$ 0.0m-20%34%-1.4×1.2×6.7×----
2025US$ 2.0bUS$ 651.9mUS$ 778.8mUS$ 739.4mUS$ -39.4mUS$ 134.1mUS$ 3.1bUS$ 399.5mUS$ -1.7bUS$ 705.2mUS$ 849.2mUS$ 1.9bUS$ 3.6bUS$ 0.0m-37%33%-1.8×0.8×7.0×0%67.5×-25.2×3.3
2024US$ 1.7bUS$ 512.8mUS$ 633.0mUS$ 607.4mUS$ -25.6mUS$ 150.7mUS$ 2.2bUS$ 15.0mUS$ -962.7mUS$ 617.4mUS$ 380.3mUS$ 1.7bUS$ 2.7bUS$ 0.0m-53%30%-2.3×1.6×7.1×0%91.0×-48.5×9.7
2023US$ 1.5bUS$ 429.4mUS$ 468.9mUS$ 464.7mUS$ -4.2mUS$ 136.8mUS$ 1.9bUS$ 50.0mUS$ -688.0mUS$ 556.4mUS$ 367.7mUS$ 1.6bUS$ 2.3bUS$ 0.0m-62%28%-2.8×1.5×6.8×0%50.1×-31.3×2.3