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 revenue.

Balance Sheet

Assets, liabilities, and equity

32 accounts · 3 years

Total assets $1.9B

Total liabilities $3.6B

Shareholders equity $-1.7B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	6.7%	8.8%	9.0%
Short Term Investments	2.7%	—	—
Accounts Receivable	26.6%	24.8%	25.6%
Prepaid Expenses	2.1%	2.3%	2.1%
Other Current Assets	5.7%	—	—
Total Current Assets	35.4%	35.9%	36.8%
Property,Plant and Equipment	3.4%	—	—
Operating Lease Assets	1.3%	1.7%	1.7%
Goodwill	39.3%	45.6%	51.1%
Intangible Assets	0.0%	0.0%	0.1%
Deferred Tax Assets	6.0%	—	—
Other Noncurrent Assets	5.7%	6.9%	7.6%
Total Assets	93.8%	100.0%	104.1%
Liabilities
Accounts Payable	1.6%	1.3%	1.3%
Accrued Liabilities	5.8%	4.6%	3.9%
Deferred Revenue	9.4%	9.1%	9.0%
Current Portion of Long Term Debt	20.1%	0.9%	3.3%
Total Current Liabilities	42.7%	22.1%	24.3%
Long Term Debt	133.4%	127.7%	119.7%
Deferred Revenue Noncurrent	0.1%	0.2%	0.4%
Operating Lease Liabilities Noncurrent	1.0%	1.3%	1.6%
Deferred Tax Liabilities	0.0%	2.7%	2.8%
Other Noncurrent Liabilities	4.5%	4.9%	4.0%
Total Liabilities	181.5%	156.1%	149.5%
Equity
Preferred Stock	0.0%	0.0%	0.0%
Common Stock	0.0%	0.0%	0.0%
Additional Paid In Capital	66.9%	79.6%	89.2%
Retained Earnings	228.7%	227.1%	223.8%
Treasury Stock	378.6%	357.4%	351.8%
Accumulated Other Comprehensive Income	-4.6%	-5.3%	-6.7%
Total Stockholders Equity	-87.7%	-56.1%	-45.5%
Total Liabilitiesand Equity	93.8%	100.0%	104.1%

Income Statement

Revenue, expense, and profitability

19 accounts · 3 years

Revenue $2.0B

Operating income $924.9M

Net income $651.9M

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%
Expenses Cost of Revenue	17.8%	20.3%	20.6%
Expenses Research and Development	9.5%	10.0%	10.6%
Expenses Selling,General and Administrative	25.8%	—	—
Expenses Depreciation and Amortization	0.5%	0.5%	0.7%
Expenses Share Based Compensation	7.9%	8.7%	8.2%
Expenses Restructuring and Asset Impairment	0.5%	—	—
Expenses Operating Expenses	53.5%	—	—
Other Income Expense Operating Income	46.5%	42.7%	42.5%
Other Income Expense Interest Expense	0.0%	6.2%	6.3%
Other Income Expense Other Income/expense	0.6%	0.8%	0.4%
Other Income Expense Income Before Tax	40.3%	37.4%	36.6%
Income Tax Income Tax Expense	7.6%	7.5%	8.2%
net Income net Income	32.7%	29.9%	28.4%
net Income Comprehensive Income	32.7%	30.5%	29.9%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	1.2%	1.4%	1.7%
Earnings Per Share Weighted Average Shares Diluted	1.2%	1.5%	1.7%

Cash Flow Statement

Operating, investing, and financing flows

22 accounts · 3 years

Operating cash flow $778.8M

Investing cash flow $-43.7M

Financing cash flow $-750.3M

Account	2025	2024	2023
CashFlow
Operating Activities net Income	32.7%	29.9%	28.4%
Operating Activities Depreciation and Amortization	0.5%	0.5%	0.7%
Operating Activities Stock Based Compensation	7.9%	—	—
Operating Activities Deferred Income Taxes	-1.6%	-1.6%	-3.1%
Operating Activities Changes In Operating Assets and Liabilities	7.0%	4.0%	7.1%
Operating Activities Other Non Cash Items	1.6%	—	—
Operating Activities net Cash From Operating Activities	39.1%	36.9%	31.0%
Investing Activities Capital Expenditures	0.4%	0.5%	0.3%
Investing Activities Purchases of Investments	0.3%	—	—
Investing Activities Proceeds From Sale of Investments	0.1%	—	—
Investing Activities net Cash From Investing Activities	-2.2%	-1.6%	-1.1%
Financing Activities Proceeds From Debt	75.3%	0.0%	0.0%
Financing Activities Repayment of Debt	68.8%	35.1%	26.6%
Financing Activities Repurchase of Common Stock	71.0%	47.8%	26.8%
Financing Activities Proceeds From Stock Issuance	0.7%	—	—
Financing Activities Tax Withholding On Stock Based Compensation	10.3%	8.1%	5.1%
Financing Activities Other Financing Activities	-0.2%	—	—
Financing Activities net Cash From Financing Activities	-37.7%	-34.5%	-30.1%
Cash Reconciliation Effect of Exchange Rate On Cash	-0.1%	—	—
Cash Reconciliation net Change In Cash	-0.8%	0.8%	0.2%
Cash Reconciliation Cash At Beginning of Period	6.7%	8.8%	9.0%
Cash Reconciliation Cash At End of Period	6.7%	8.8%	9.0%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	+82.2%	+79.7%	+79.4%
Operating margin	+46.5%	+42.7%	+42.5%
Net margin	+32.7%	+29.9%	+28.4%
FCF margin	+38.7%	+36.3%	+30.7%
Growth
Revenue CAGR (3y)	+13.1%	+9.3%	+5.3%
Returns
ROE	-37.3%	-53.3%	-62.4%
ROA	+34.9%	+29.9%	+27.3%
ROIC	+63.9%	+53.5%	+48.1%
Liquidity
Current ratio	0.83x	1.62x	1.51x
Quick ratio	0.78x	1.52x	1.43x
Leverage
D/E	-2.07x	-2.78x	-3.29x
Interest coverage	1922.77x	6.94x	6.73x
Efficiency
Asset turnover	1.07x	1.00x	0.96x
Cash conversion cycle	—	—	—

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Fair Isaac

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