Fair Isaac

Information Technology Application Software Bozeman, Montana Last filing Nov 7, 2025 · FY2025

                    Revenue
                    FY2025
                
$2.0B
                    3y CAGR +13.1%
                    
                    P73
                    
                    +15.9%
                    
                    Net income
                    FY2025
                
$651.9M
                    Net margin +32.7%
                    
                    P88
                    
                    +27.1%
                    
                    Total assets
                    FY2025
                
$1.9B
                    ROA +34.9%
                    
                    P97
                    
                    +8.7%
                    
                    Operating cash flow
                    FY2025
                
$778.8M
                    FCF margin +38.7%
                    
                    P91
                    
                    +23.0%

18 yrs · FY2008–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

32 accounts · 5 years

Total assets $1.9B

Total liabilities $3.6B

Shareholders equity $-1.7B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	7.2%	8.8%	8.7%	9.2%	12.5%
Short Term Investments	2.9%	—	—	—	—
Accounts Receivable	28.3%	24.8%	24.6%	22.4%	19.9%
Prepaid Expenses	2.2%	2.3%	2.0%	2.0%	2.8%
Other Current Assets	6.0%	—	—	—	—
Total Current Assets	37.7%	35.9%	35.3%	33.6%	35.1%
Property,Plant and Equipment	3.6%	—	—	—	—
Operating Lease Assets	1.4%	1.7%	1.6%	2.5%	3.0%
Goodwill	41.9%	45.6%	49.1%	52.8%	50.3%
Intangible Assets	0.0%	0.0%	0.1%	0.1%	0.3%
Deferred Tax Assets	6.3%	—	—	—	—
Other Noncurrent Assets	6.0%	6.9%	7.3%	7.1%	6.1%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Accounts Payable	1.7%	1.3%	1.2%	1.2%	1.3%
Accrued Liabilities	6.1%	4.6%	3.8%	4.6%	5.1%
Deferred Revenue	10.0%	9.1%	8.7%	8.3%	6.7%
Current Portion of Long Term Debt	21.4%	0.9%	3.2%	2.1%	15.9%
Total Current Liabilities	45.5%	22.1%	23.3%	23.0%	35.7%
Long Term Debt	142.2%	127.7%	115.0%	126.5%	64.4%
Deferred Revenue Noncurrent	0.1%	0.2%	0.4%	0.5%	0.3%
Operating Lease Liabilities Noncurrent	1.0%	1.3%	1.5%	2.7%	3.4%
Deferred Tax Liabilities	0.0%	2.7%	2.7%	3.3%	2.8%
Other Noncurrent Liabilities	4.8%	4.9%	3.8%	3.4%	3.6%
Total Liabilities	193.5%	156.0%	143.7%	155.6%	107.1%
Equity
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Common Stock	0.0%	0.0%	0.0%	0.0%	0.0%
Additional Paid In Capital	71.3%	79.5%	85.7%	90.1%	78.9%
Retained Earnings	243.7%	227.1%	215.1%	205.2%	164.9%
Treasury Stock	403.5%	357.3%	338.0%	342.3%	246.1%
Accumulated Other Comprehensive Income	-4.9%	-5.3%	-6.5%	-8.6%	-4.8%
Total Stockholders Equity	-93.5%	-56.0%	-43.7%	-55.6%	-7.1%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

19 accounts · 5 years

Revenue $2.0B

Operating income $924.9M

Net income $651.9M

Account	2025	2024	2023	2022	2021
IncomeStatement
Revenues Total Revenue	106.6%	100.0%	96.1%	95.5%	84.0%
Expenses Cost of Revenue	18.9%	20.3%	19.7%	21.0%	21.2%
Expenses Research and Development	10.1%	10.0%	10.2%	10.2%	10.9%
Expenses Selling,General and Administrative	27.5%	—	—	—	—
Expenses Depreciation and Amortization	0.6%	0.5%	0.6%	1.1%	1.3%
Expenses Share Based Compensation	8.4%	8.7%	7.9%	8.0%	7.2%
Expenses Restructuring and Asset Impairment	0.6%	—	—	—	—
Expenses Operating Expenses	57.1%	—	—	—	—
Other Income Expense Operating Income	49.5%	42.7%	40.8%	37.6%	32.2%
Other Income Expense Interest Expense	0.0%	6.1%	6.1%	4.8%	2.6%
Other Income Expense Other Income/expense	0.6%	0.8%	0.4%	-0.1%	0.5%
Other Income Expense Income Before Tax	43.0%	37.4%	35.1%	32.7%	30.2%
Income Tax Income Tax Expense	8.1%	7.5%	7.9%	6.8%	5.2%
net Income net Income	34.9%	29.9%	27.3%	25.9%	25.0%
net Income Comprehensive Income	34.9%	30.5%	28.7%	22.5%	25.5%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	1.3%	1.4%	1.6%	1.8%	1.8%
Earnings Per Share Weighted Average Shares Diluted	1.3%	1.5%	1.6%	1.8%	1.9%

Cash Flow Statement

Operating, investing, and financing flows

22 accounts · 5 years

Operating cash flow $778.8M

Investing cash flow $-43.7M

Financing cash flow $-750.3M

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Income	34.9%	29.9%	27.3%	25.9%	25.0%
Operating Activities Depreciation and Amortization	0.6%	0.5%	0.6%	1.1%	1.3%
Operating Activities Stock Based Compensation	8.4%	—	—	—	—
Operating Activities Deferred Income Taxes	-1.7%	-1.6%	-3.0%	0.5%	-0.4%
Operating Activities Changes In Operating Assets and Liabilities	7.5%	4.0%	6.8%	2.9%	-1.9%
Operating Activities Other Non Cash Items	1.7%	—	—	—	—
Operating Activities net Cash From Operating Activities	41.7%	36.8%	29.8%	35.3%	27.0%
Investing Activities Capital Expenditures	0.5%	0.5%	0.3%	0.4%	0.5%
Investing Activities Purchases of Investments	0.3%	—	—	—	—
Investing Activities Proceeds From Sale of Investments	0.1%	—	—	—	—
Investing Activities net Cash From Investing Activities	-2.3%	-1.6%	-1.0%	-0.4%	8.8%
Financing Activities Proceeds From Debt	80.3%	0.0%	0.0%	38.1%	0.0%
Financing Activities Repayment of Debt	73.3%	35.0%	25.5%	68.5%	16.5%
Financing Activities Repurchase of Common Stock	75.7%	47.8%	25.7%	76.6%	55.8%
Financing Activities Proceeds From Stock Issuance	0.8%	—	—	—	—
Financing Activities Tax Withholding On Stock Based Compensation	11.0%	8.1%	4.9%	3.5%	5.8%
Financing Activities Other Financing Activities	-0.2%	—	—	—	—
Financing Activities net Cash From Financing Activities	-40.2%	-34.5%	-28.9%	-37.9%	-33.4%
Cash Reconciliation Effect of Exchange Rate On Cash	-0.1%	—	—	—	—
Cash Reconciliation net Change In Cash	-0.9%	0.8%	0.2%	-4.3%	2.4%
Cash Reconciliation Cash At Beginning of Period	7.2%	8.8%	8.7%	9.2%	12.5%
Cash Reconciliation Cash At End of Period	7.2%	8.8%	8.7%	9.2%	12.5%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	+82.2%	+79.7%	+79.4%	+78.1%	+74.7%
Operating margin	+46.5%	+42.7%	+42.5%	+39.4%	+38.4%
Net margin	+32.7%	+29.9%	+28.4%	+27.1%	+29.8%
FCF margin	+38.7%	+36.3%	+30.7%	+36.6%	+31.6%
Growth
Revenue CAGR (3y)	+13.1%	+9.3%	+5.3%	+5.9%	+9.6%
Returns
ROE	-37.3%	-53.3%	-62.4%	-46.6%	-353.4%
ROA	+34.9%	+29.9%	+27.3%	+25.9%	+25.0%
ROIC	+63.9%	+53.5%	+48.1%	+46.8%	+44.0%
Liquidity
Current ratio	0.83x	1.62x	1.51x	1.46x	0.99x
Quick ratio	0.78x	1.52x	1.43x	1.37x	0.91x
Leverage
D/E	-2.07x	-2.78x	-3.29x	-2.80x	-15.13x
Interest coverage	1922.77x	6.94x	6.73x	7.86x	12.61x
Efficiency
Asset turnover	1.07x	1.00x	0.96x	0.96x	0.84x
Cash conversion cycle	—	—	—	—	—

Valuation

Price against fundamentals

FY2025 fundamentals · no price

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