FAIR ISAAC CORP
FICOAnalytical Summary
FAIR ISAAC CORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.
19-Year Financial Trajectory
AnnualBullish Indicators
- Debt to EquityDebt to Equity is in the top quartile (lower is better)
- Operating Margin (%)Operating Margin (%) is in the top quartile
- Profit Margin (%)Profit Margin (%) is in the top quartile
Bearish Risks
- Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| 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 |
— | — | — | — |
| 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
|
— |
| 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
|
— |
| 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
|
— | — | — | — |
| 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 |
| 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 | — |
Secondary lens
Benchmark Lens
Compare FICO against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare FICO against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for FICO
Debt to Equity is in the top quartile (lower is better)
Operating Margin (%) is in the top quartile
Profit Margin (%) is in the top quartile
Return on Common Equity (%) is in the bottom quartile
Percentile Rankings
How FICO compares to all companies
Peer Comparison
FICO vs similar peers
Compare FICO with peers
Stack FICO against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago 19 years · 72 quarters