FICO - FAIR ISAAC CORP

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Revenue Growth YoY (%)	15.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+218%)	13.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+170%)	9.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+98%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-8%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-66%)	11.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+132%)	16.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+220%)	7.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+46%)	5.8% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	5.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+26%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	9.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+98%)	9.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+83%)	2.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	-4.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-180%)	-15.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-406%)	—	—
EPS Growth YoY (%)	29.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	21.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	19.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	5.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	67.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	22.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	55.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	18.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	28.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-1.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-3.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	45.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	26.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	7.5% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-22.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	27.1% Excellent ↑ Excellent Improving Year-over-year change in net income	19.4% Good ↓ Good Declining Year-over-year change in net income	14.9% Fair ↓ Fair Declining Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	65.8% Excellent ↑ Excellent Improving Year-over-year change in net income	23.1% Good → Good Stable Year-over-year change in net income	51.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-1.4% Weak ↓ Weak Declining Year-over-year change in net income	17.2% Good ↑ Good Improving Year-over-year change in net income	26.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-8.8% Weak ↓ Weak Declining Year-over-year change in net income	5.3% Fair ↓ Fair Declining Year-over-year change in net income	-2.1% Weak ↓ Weak Declining Year-over-year change in net income	28.6% Excellent ↑ Excellent Improving Year-over-year change in net income	11.0% Fair ↑ Fair Improving Year-over-year change in net income	-1.0% Weak Weak Year-over-year change in net income	-22.5% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	25.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	36.0% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-3.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	33.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	22.8% Good ↓ Good Declining Year-over-year change in free cash flow	44.6% Excellent Excellent Year-over-year change in free cash flow	26.4% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	—	-3.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	57.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-36.9% Weak Weak Year-over-year change in free cash flow	-4.2% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	13.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.0% Fair → Fair Stable Compound annual revenue growth over 3 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.4% Caution Caution Compound annual revenue growth over 3 years	-5.9% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	9.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.2% Good → Good Stable Compound annual revenue growth over 5 years	8.6% Good → Good Stable Compound annual revenue growth over 5 years	8.1% Good → Good Stable Compound annual revenue growth over 5 years	8.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.6% Fair Fair Compound annual revenue growth over 5 years	-0.0% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	23.3% Excellent → Excellent Stable Compound annual EPS growth over 3 years	15.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	28.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	29.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	47.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	23.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	1.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	15.4% Excellent → Excellent Stable Compound annual EPS growth over 3 years	21.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.4% Excellent Excellent Compound annual EPS growth over 3 years	1.9% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Operating Margin (%) (%)	46.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+287%)	42.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+256%)	42.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+254%)	39.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+228%)	38.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+220%)	22.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	21.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	17.5% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	19.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	19.2% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	16.4% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	20.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	21.7% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	24.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+107%)	20.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	18.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	18.5% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	16.4% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	—
Effective Tax Rate (%) (%)	18.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	32.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+309%)	29.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+273%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+255%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+239%)	29.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+272%)	18.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+128%)	16.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+107%)	12.6% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	13.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	12.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	10.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	12.0% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	12.1% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	13.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	11.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	10.6% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	10.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	11.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	—
FCF Margin (%) (%)	38.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	36.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	30.7% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	36.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	31.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	26.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	20.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	19.2% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	—	15.4% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	19.7% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	14.6% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	24.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	21.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.18x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.22x Good → Good Stable Free cash flow relative to reported net income Optimal: > 1x	1.08x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.35x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.06x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.45x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.23x Good Good Free cash flow relative to reported net income Optimal: > 1x	1.52x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—	—	1.13x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.71x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.37x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	2.33x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.90x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Return on Invested Capital (%)	57.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	47.0% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	44.4% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	42.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	65.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	25.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	25.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	17.0% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	20.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	17.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	11.4% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	14.2% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	13.0% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	13.6% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	10.3% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	18.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	15.4% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	17.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	49.5% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	42.7% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	40.8% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	37.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	32.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	18.4% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	17.7% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	13.2% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	14.1% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	13.9% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.2% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	13.6% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	13.9% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	14.5% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	10.1% Good Good Operating profit relative to total assets Optimal: > 10%	9.0% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-37.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-349%)	-53.3% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-455%)	-62.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-516%)	-46.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-411%)	—	71.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+376%)	66.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+342%)	44.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+193%)	30.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+100%)	24.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+63%)	19.8% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	20.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+39%)	17.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	19.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+29%)	15.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	10.8% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	14.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Debt to Equity (x)	-1.75x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-350%)	-2.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-428%)	-2.63x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-476%)	-2.27x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-425%)	-6.76x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-1066%)	2.23x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+219%)	1.67x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+139%)	1.84x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+163%)	0.57x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	0.71x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.18x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+69%)	0.98x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+40%)	0.86x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+22%)	1.06x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+52%)	1.10x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+57%)	—	—	—	—
Interest Coverage (x)	8.93x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.90x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	6.73x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	7.86x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	12.61x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	7.02x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.38x Good → Good Stable Operating income divided by interest expense Optimal: > 5x	5.60x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	6.87x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.37x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.72x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	5.67x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	5.34x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	5.31x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	3.93x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	4.70x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	4.58x Fair Fair Operating income divided by interest expense Optimal: > 5x	6.01x Good Good Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$2.92B	$2.06B	$1.67B	$1.69B	$554.65M	$582.04M	$378.57M	$438.92M	$138.38M	$240.07M	$429.88M	$341.93M	$371.82M	$432.39M	$376.25M	$-146.20M	$-178.16M	$-129.68M	$-95.28M
Debt / EBITDA (x)	3.25x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.96x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.76x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.24x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.41x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.27x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.70x Good → Good Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.57x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.14x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.57x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.01x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.30x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.34x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.65x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.38x Caution Caution Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—

📊 What does each share earn? 7 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Revenue per Share (USD)	$82.13	$69.60	$60.58	$52.89	$45.82	$44.54	$40.03	$33.66	$30.20	$28.31	$26.71	$23.29	$21.04	$19.38	$15.74	$13.49	$12.96	$15.22	—
Basic EPS, GAAP (USD)	$26.90	$20.78	$17.18	$14.34	$13.65	$8.13	$6.63	$4.26	$4.16	$3.52	$2.75	$2.80	$2.55	$2.64	$1.82	$1.44	$1.34	$1.72	—
Free Cash Flow per Share (USD)	$31.76	$25.29	$18.60	$19.33	$14.49	$11.80	$8.16	$6.45	—	—	—	—	—	$2.99	$3.10	$1.97	$3.12	$3.25	—
Dividend per Share (USD)	—	—	—	—	—	—	—	—	—	—	—	—	$0.08	$0.08	$0.08	$0.08	$0.08	$0.08	—
Book Value per Share (USD)	$-73.46	$-39.47	$-27.78	$-31.88	$-4.02	$11.38	$10.01	$9.91	$14.10	$14.44	$13.97	$14.19	$15.26	$13.62	$12.55	$11.91	$12.47	$11.48	—
Tangible Book Value per Share (USD)	$-106.43	$-71.56	$-59.00	$-62.14	$-32.61	$-16.54	$-17.75	$-17.70	$-12.49	$-11.37	$-12.07	$-10.15	$-6.99	$-8.13	$-5.37	$-4.79	$-2.19	$11.48	—
Basic Weighted Avg Shares (shares)	24.24M	24.68M	24.99M	26.04M	28.73M	29.07M	28.98M	29.71M	30.86M	31.13M	31.40M	33.87M	35.33M	34.91M	39.36M	44.90M	48.66M	48.94M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Working Capital (USD)	$-144.05M	$237.13M	$188.76M	$153.26M	$-8.23M	$119.57M	$-35.12M	$-77.51M	$-15.72M	$21.56M	$42.73M	$-52.88M	$83.31M	$49.72M	$217.98M	$225.03M	$327.97M	—	—
LT Debt (USD)	$3.06B	$2.21B	$1.81B	$1.82B	$750.00M	$739.43M	$485.00M	$528.94M	$244.00M	$316.00M	$516.00M	$447.00M	$455.00M	$504.00M	$512.00M	—	—	—	—
Total Equity (USD)	$-1.75B	$-962.68M	$-687.99M	$-801.95M	$-110.94M	$331.08M	$289.77M	$287.44M	$426.54M	$446.83M	$437.00M	$454.61M	$530.68M	$474.41M	$465.49M	$474.91M	$600.27M	$561.94M	$566.31M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Sep 30, 2025 10-K ↗	FY 2024 Sep 30, 2024 10-K ↗	FY 2023 Sep 30, 2023 10-K ↗	FY 2022 Sep 30, 2022 10-K ↗	FY 2021 Sep 30, 2021 10-K ↗	FY 2020 Sep 30, 2020 10-K ↗	FY 2019 Sep 30, 2019 10-K ↗	FY 2018 Sep 30, 2018 10-K ↗	FY 2017 Sep 30, 2017 10-K ↗	FY 2016 Sep 30, 2016 10-K ↗	FY 2015 Sep 30, 2015 10-K ↗	FY 2014 Sep 30, 2014 10-K ↗	FY 2013 Sep 30, 2013 10-K ↗	FY 2012 Sep 30, 2012 10-K ↗	FY 2011 Sep 30, 2011 10-K ↗	FY 2010 Sep 30, 2010 10-K ↗	FY 2009 Sep 30, 2009 10-K ↗	FY 2008 Sep 30, 2008 10-K ↗	FY 2007 Sep 30, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$1.99B	$1.72B	$1.51B	$1.38B	$1.32B	$1.29B	$1.16B	$1.00B	$932.17M	$881.36M	$838.78M	$788.99M	$743.44M	$676.42M	$619.68M	$605.64M	$630.74M	$744.84M	—
Depreciation Expense (USD)	$14.95M	$13.83M	$14.64M	$20.46M	$25.59M	$30.37M	$31.61M	$30.18M	$36.21M	$31.63M	$33.89M	$32.63M	$33.21M	$21.55M	$24.20M	$30.92M	$38.42M	$39.49M	—
Net Income, GAAP (USD)	$651.95M	$512.81M	$429.38M	$373.54M	$392.08M	$236.41M	$192.12M	$126.48M	$128.26M	$109.45M	$86.50M	$94.88M	$90.09M	$92.00M	$71.56M	$64.46M	$65.10M	$83.95M	—
Operating Cash Flow (USD)	$778.81M	$632.96M	$468.92M	$509.45M	$423.82M	$364.92M	$260.35M	$223.05M	—	—	—	—	—	$129.75M	$136.16M	$105.78M	$151.63M	$159.15M	—

FAIR ISAAC CORP

Analytical Summary

19-Year Financial Trajectory

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