Fair Isaac (FICO) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Fair Isaac

NYSE•Technology•Software - Application

$966.30-25.05(-0.03%)After hours

Market Cap

$21.91B

P/E

26.9x

P/S

9.2x

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.

How this company scores

WeakMetricSide Score: 72/100

Grade capped at D — Negative equity — the balance sheet is insolvent. Strongest: Growth (25/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability14/25

Growth25/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Negative equity — the balance sheet is insolvent.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 26.9x5y range 26.9x – 92.8x

Currently below its 20-quarter median.

P/S · 9.2x5y range 7.5x – 27.7x

Currently below its 20-quarter median.

Price & Volume

Market Cap $21.91B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $2.39B
Q. Revenue: $674.19M
TTM EBITDA: $1.26B
TTM Op. Income: $1.24B
Q. Op. Income: $362.63M
TTM Net Income: $815.02M
Q. Net Income: $237.17M
EPS: $10.46
Shares Out.: $22.67M

$2.39B in TTM revenue grew 24.1% YoY, reaching $674.19M last quarter. TTM EBITDA of $1.26B and TTM operating income of $1.24B show growth is flowing through to the bottom line. TTM net income of $815.02M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 87.1%
EBITDA Margin: 54.4%
Op. Margin: 53.8%
Net Margin: 35.2%

Op. margin of 53.8% is up 4.8% YoY — cost efficiency is improving. Net margin at 35.2% and gross margin of 87.1% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 10% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 26.9x
P/S Ratio: 9.2x
P/B Ratio: N/A

At 26.9x P/E, the stock trades within typical market levels. P/S of 9.2x and P/B of 0.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.04B
Cash: $248.44M
Long-Term Debt: $5.28B
Book Value: $-4.10B
D/E Ratio: N/A
Debt/EBITDA: 14.4

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $380.44M
TTM Free Cash Flow: $996.02M
FCF Margin: 41.6%
FCF / Net Income: 1.2

TTM FCF of $996.02M on $380.44M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.