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

Running CAGR since the earliest displayed year.

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	-9.0%	-8.3%	-16.3%	-31.8%	—
Short Term Investments	—	—	—	—	—
Accounts Receivable	+14.1%	+11.0%	+11.5%	+3.3%	—
Prepaid Expenses	-1.0%	-2.7%	-14.6%	-33.1%	—
Other Current Assets	—	—	—	—	—
Total Current Assets	+6.4%	+3.9%	+0.5%	-12.0%	—
Property,Plant and Equipment	—	—	—	—	—
Operating Lease Assets	-13.7%	-14.5%	-26.3%	-22.4%	—
Goodwill	-0.2%	-0.2%	-0.9%	-3.4%	—
Intangible Assets	—	—	-52.7%	-50.8%	—
Deferred Tax Assets	—	—	—	—	—
Other Noncurrent Assets	+4.2%	+7.2%	+10.1%	+7.2%	—
Total Assets	+4.5%	+3.1%	+0.2%	-8.0%	—
Liabilities
Accounts Payable	+11.7%	+2.7%	-4.3%	-16.8%	—
Accrued Liabilities	+9.6%	+0.1%	-13.5%	-16.7%	—
Deferred Revenue	+15.5%	+14.2%	+13.9%	+13.9%	—
Current Portion of Long Term Debt	+12.4%	-60.9%	-55.3%	-88.0%	—
Total Current Liabilities	+11.0%	-12.1%	-18.9%	-40.7%	—
Long Term Debt	+27.4%	+29.6%	+34.0%	+80.7%	—
Deferred Revenue Noncurrent	-24.0%	-15.1%	+9.7%	+22.2%	—
Operating Lease Liabilities Noncurrent	-22.7%	-25.8%	-33.3%	-27.0%	—
Deferred Tax Liabilities	—	+2.0%	-1.7%	+7.6%	—
Other Noncurrent Liabilities	+12.0%	+14.0%	+2.8%	-12.6%	—
Total Liabilities	+21.1%	+16.9%	+16.1%	+33.7%	—
Equity
Preferred Stock	—	—	—	—	—
Common Stock	-3.6%	-4.0%	-5.2%	-8.7%	—
Additional Paid In Capital	+1.8%	+3.4%	+4.5%	+5.0%	—
Retained Earnings	+15.2%	+14.7%	+14.5%	+14.4%	—
Treasury Stock	+18.2%	+16.7%	+17.5%	+27.9%	—
Accumulated Other Comprehensive Income	—	—	—	—	—
Total Stockholders Equity	—	—	—	—	—
Total Liabilitiesand Equity	+4.5%	+3.1%	+0.2%	-8.0%	—

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	+10.9%	+9.3%	+7.2%	+4.6%	—
Expenses Cost of Revenue	+1.6%	+1.6%	-3.3%	-9.1%	—
Expenses Research and Development	+2.4%	+0.1%	-3.4%	-14.3%	—
Expenses Selling,General and Administrative	—	—	—	—	—
Expenses Depreciation and Amortization	-14.8%	-22.6%	-29.5%	-25.1%	—
Expenses Share Based Compensation	+8.6%	+9.9%	+4.9%	+2.6%	—
Expenses Restructuring and Asset Impairment	—	—	—	—	—
Expenses Operating Expenses	—	—	—	—	—
Other Income Expense Operating Income	+16.3%	+13.2%	+12.8%	+7.3%	—
Other Income Expense Interest Expense	-66.9%	+38.1%	+54.4%	+72.0%	—
Other Income Expense Other Income/expense	+10.1%	+21.9%	-9.5%	—	—
Other Income Expense Income Before Tax	+14.1%	+10.7%	+8.2%	-0.4%	—
Income Tax Income Tax Expense	+16.8%	+16.8%	+23.8%	+20.6%	—
net Income net Income	+13.6%	+9.4%	+4.6%	-4.7%	—
net Income Comprehensive Income	+13.0%	+9.4%	+6.4%	-18.7%	—
Earnings Per Share Basic Eps	+18.5%	+15.0%	+12.2%	+5.1%	—
Earnings Per Share Diluted Eps	+18.6%	+15.1%	+12.4%	+5.8%	—
Earnings Per Share Weighted Average Shares Basic	-4.2%	-4.9%	-6.7%	-9.4%	—
Earnings Per Share Weighted Average Shares Diluted	-4.3%	-5.0%	-6.9%	-10.0%	—

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	+13.6%	+9.4%	+4.6%	-4.7%	—
Operating Activities Depreciation and Amortization	-14.8%	-22.6%	-29.5%	-25.1%	—
Operating Activities Stock Based Compensation	—	—	—	—	—
Operating Activities Deferred Income Taxes	—	—	—	—	—
Operating Activities Changes In Operating Assets and Liabilities	—	—	—	—	—
Operating Activities Other Non Cash Items	—	—	—	—	—
Operating Activities net Cash From Operating Activities	+16.4%	+14.3%	+5.2%	+20.2%	—
Investing Activities Capital Expenditures	+4.2%	+5.5%	-25.2%	-20.3%	—
Investing Activities Purchases of Investments	—	—	—	—	—
Investing Activities Proceeds From Sale of Investments	—	—	—	—	—
Investing Activities net Cash From Investing Activities	—	—	—	—	—
Financing Activities Proceeds From Debt	—	—	—	—	—
Financing Activities Repayment of Debt	+51.6%	+32.5%	+24.6%	+281.6%	—
Financing Activities Repurchase of Common Stock	+12.8%	-2.0%	-31.9%	+26.3%	—
Financing Activities Proceeds From Stock Issuance	—	—	—	—	—
Financing Activities Tax Withholding On Stock Based Compensation	+22.2%	+15.0%	-8.5%	-44.4%	—
Financing Activities Other Financing Activities	—	—	—	—	—
Financing Activities net Cash From Financing Activities	—	—	—	—	—
Cash Reconciliation Effect of Exchange Rate On Cash	—	—	—	—	—
Cash Reconciliation net Change In Cash	—	-28.5%	-69.3%	—	—
Cash Reconciliation Cash At Beginning of Period	-9.0%	-8.3%	-16.3%	-31.8%	—
Cash Reconciliation Cash At End of Period	-9.0%	-8.3%	-16.3%	-31.8%	—

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

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