Fair Isaac Corporation
Description
Fair Isaac Corporation develops software with analytics and digital decisioning technologies that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates in two segments, Scores and Software. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. It offers FICO® Decision Modeler and FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, FICO Decision Optimizer, FICO TRIAD Customer Manager, FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, FICO Analytic Services, FICO Advisors, and FICO Blaze Advisor, as well as software implementation and configuration services. The company markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
About
CEO
Mr. William J. Lansing
Employees
3,586
Instrument type
Common Stock
Sector
Technology
Industry
Software - Application
MIC code
XNYS
Address
5 West Mendenhall, Bozeman, MT 59715, United States
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![Enlarged Chart]()
Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Nov 4, 2025 | — | — | — | — |
| Jul 29, 2025 | — | — | — | — |
| Apr 24, 2025 | — | — | — | — |
| Feb 5, 2025 | 6.14 | — | — | — |
| Nov 7, 2024 | 6.39 | 6.54 | 0.15 | 2.35% |
Earnings estimate
|
Next Quarter
(Mar 2025)
|
Current Year
(Sep 2025)
|
Next Year
(Sep 2026)
|
||
|---|---|---|---|---|
| Number of analysts | — | 12 | 17 | 16 |
| Average estimate | — | 7.47 | 29.47 | 36.77 |
| Low estimate | — | 7.16 | 28.56 | 30.76 |
| High estimate | — | 8.09 | 31.70 | 40.95 |
| Last year EPS | — | 6.14 | 23.74 | 29.47 |
[stock_revenue_estimate]
Growth estimates
Current qtr
26.460%
Next qtr. (Mar 2025)
21.730%
Current year (Sep 2025)
24.150%
Next year (Sep 2026)
24.750%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Fiscal date | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 |
| Total reported revenue | 1.72B | 1.51B | 1.38B | 1.32B | 1.29B |
| Cost of revenue | 348.21M | 311.05M | 302.17M | 332.46M | 361.14M |
| Gross profit | 1.37B | 1.20B | 1.08B | 984.07M | 933.42M |
| Operating expense | |||||
| Research & development | 171.94M | 159.95M | 146.76M | 171.23M | 166.50M |
| Selling general and admin | 462.83M | 400.57M | 383.86M | 396.28M | 420.93M |
| Other operating expenses | — | — | — | — | — |
| Operating income | 733.63M | 640.89M | 542.41M | 413.31M | 341.00M |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | 105.64M | 95.55M | 68.97M | 40.09M | 42.18M |
| Other income expense | 14.03M | 8.28M | -2.14M | 99.93M | -41.82M |
| Pretax income | 642.03M | 553.62M | 471.31M | 473.14M | 257.00M |
| Tax provision | 129.21M | 124.25M | 97.77M | 81.06M | 20.59M |
| Net income | 512.81M | 429.38M | 373.54M | 392.08M | 236.41M |
| Basic EPS | — | 17.18 | 14.34 | 13.65 | 8.13 |
| Diluted EPS | — | 16.93 | 14.18 | 13.40 | 7.90 |
| Basic average shares | — | 24.99M | 26.04M | 28.73M | 29.07M |
| Diluted average shares | — | 24.99M | 26.04M | 28.73M | 29.07M |
| EBITDA | 761.49M | 661.87M | 560.74M | 446.64M | 374.57M |
| Net income from continuing op. | 512.81M | 429.38M | 373.54M | 392.08M | 236.41M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Fiscal date | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 |
| Total assets | 1.72B | 1.58B | 1.44B | 1.57B | 1.61B |
| Current assets | |||||
| Cash | 142.77M | 113.16M | 113.89M | 195.16M | 122.12M |
| Cash equivalents | 7.90M | 23.62M | 19.31M | 194,000 | 35.28M |
| Cash and cash equivalents | 150.67M | 136.78M | 133.20M | 195.35M | 157.39M |
| Other short term investments | — | — | — | — | — |
| Accounts receivable | 426.64M | 387.95M | 322.41M | 312.11M | 334.18M |
| Other receivables | — | — | — | 155.41M | 181.55M |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | 29.10M | 43.51M | 42.50M |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | 40.10M | 31.72M | 29.10M | 43.51M | 42.50M |
| Non current assets | |||||
| Properties | 29.58M | 25.70M | 36.69M | 47.28M | 64.15M |
| Land and improvements | — | — | — | — | — |
| Machinery furniture equipment | 100.07M | 82.22M | 91.13M | 102.90M | 129.39M |
| Construction in progress | — | — | — | — | — |
| Leases | 15.85M | 16.74M | 21.29M | 22.07M | 25.24M |
| Accumulated depreciation | -77.45M | -88.00M | -94.83M | -97.05M | -114.70M |
| Goodwill | 1.57B | 1.55B | 1.52B | 1.58B | 1.63B |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | — | 917,000 | 2.02M | 4.10M | 9.24M |
| Investments and advances | 45.29M | 33.01M | 25.65M | 33.20M | 26.57M |
| Other non current assets | 204.39M | 174.91M | 114.32M | 116.13M | 119.91M |
| Total liabilities | 2.68B | 2.26B | 2.24B | 1.68B | 1.28B |
| Current liabilities | |||||
| Accounts payable | 22.47M | 19.01M | 17.27M | 20.75M | 23.03M |
| Accrued expenses | 68.26M | 43.14M | 46.88M | 57.46M | 63.37M |
| Short term debt | 26.56M | 66.34M | 49.37M | 272.07M | 95.00M |
| Deferred revenue | 156.90M | 136.73M | 120.05M | 105.42M | 115.16M |
| Tax payable | — | — | — | — | — |
| Pensions | 106.10M | 102.47M | 97.89M | 103.51M | 117.95M |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 2.22B | 1.84B | 1.86B | 1.06B | 812.64M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | 84.29M | 60.02M | 49.66M | 56.82M | 48.01M |
| Shareholders equity | |||||
| Common stock | 244,000 | 248,000 | 252,000 | 276,000 | 291,000 |
| Retained earnings | 3.90B | 3.39B | 2.96B | 2.59B | 2.19B |
| Other shareholders equity | -91.63M | -102.15M | -124.70M | -75.85M | -83.00M |
| Total shareholders equity | -962.68M | -687.99M | -801.95M | -110.94M | 331.08M |
| Additional paid in capital | 1.37B | 1.35B | 1.30B | 1.24B | 1.22B |
| Treasury stock | 6.14B | 5.32B | 4.94B | 3.86B | 3.00B |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||||
| Net Income | 512.81M | 429.38M | 373.54M | 392.08M | 236.41M | 192.12M | 126.48M | 133.41M | 109.45M | 86.50M | 94.88M | 90.10M | 92.00M | 71.56M | 64.46M | 65.10M | 83.95M | 104.65M | 103.49M | 134.55M | 102.79M | 107.16M | 17.88M | 46.11M | 27.63M | 29.98M | 24.30M | 20.70M | 17.40M | 12.80M | 10.00M | 5.30M | 3.90M | 2.80M | 1.60M |
| Depreciation | 13.83M | 14.64M | 20.47M | 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 | 49.13M | 48.70M | 54.44M | 49.89M | 53.62M | 32.91M | 25.07M | 21.46M | 17.43M | 14.90M | 11.80M | 7.90M | 6.20M | 4.90M | 4.50M | 1.40M | 1.10M | 1.30M |
| Deferred Taxes | -27.33M | -47.38M | 7.82M | -5.96M | -8.64M | 7.70M | 10.58M | -6.25M | -1.82M | 6.60M | -9.99M | 6.56M | -1.04M | -1.35M | 2.04M | -5.03M | -23.10M | 3.80M | 1.13M | 13.28M | 11.91M | 2.44M | 5.32M | 2.43M | -2.49M | -134,000 | -3.80M | -2.80M | 100,000 | -1.70M | -1.80M | -1.50M | -300,000 | -1.10M | -1.00M |
| Stock-Based Compensation | 149.44M | 123.85M | 115.36M | 112.46M | 93.68M | 82.97M | 74.81M | 61.22M | 55.51M | 45.31M | 36.36M | 25.85M | 21.23M | 15.50M | 17.31M | 19.94M | 27.98M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | 12.42M | 14.71M | 15.92M | 16.10M | 20.01M | — | — | — | — | — | — | — | — | 71.56M | — | 499,000 | 3.41M | 45.29M | 47.76M | — | — | — | — | 1.33M | 376,000 | 223,000 | — | — | -100,000 | -100,000 | — | 1.10M | -100,000 | — | — |
| Accounts Receivable | -34.14M | -70.12M | -31.56M | 24.50M | -59.89M | -36.18M | -8.27M | 2.86M | -18.23M | -4.60M | -13.65M | 1.29M | -26.49M | 8.57M | -11.56M | 31.32M | 20.15M | -15.84M | -9.69M | -7.53M | 11.29M | -14.10M | -4.11M | -11.93M | -5.43M | -1.83M | -2.70M | -15.70M | -6.40M | -10.50M | -1.10M | -6.30M | -3.80M | -1.30M | — |
| Accounts Payable | 3.32M | 2.24M | -2.80M | -2.35M | 1.06M | 1.89M | 843,000 | -2.03M | 564,000 | -3.67M | 3.17M | -590,000 | 6.81M | -1.75M | -317,000 | -2.52M | -1.57M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | 21.18M | 11.71M | -5.28M | -16.02M | 6.42M | 11.95M | 1.45M | 1.96M | 1.22M | -2.49M | 21.26M | -2.07M | 11.49M | 15.73M | -4.39M | 16.83M | 17.46M | -5.21M | 2.98M | 6.70M | 3.14M | -11.27M | -4.47M | 4.10M | -8.40M | -6.25M | -2.10M | 9.20M | -300,000 | 5.50M | 4.50M | 1.10M | 1.30M | 2.30M | 1.70M |
| Operating Cash Flow | 651.52M | 479.02M | 493.46M | 546.41M | 319.42M | 292.07M | 236.09M | 227.39M | 178.32M | 161.53M | 164.67M | 154.35M | 125.55M | 204.03M | 98.46M | 164.56M | 167.79M | 181.83M | 194.36M | 201.45M | 179.02M | 137.84M | 47.54M | 67.11M | 33.16M | 39.42M | 30.60M | 23.20M | 18.60M | 12.20M | 16.50M | 4.20M | 2.40M | 3.80M | 3.60M |
| Investing Activities | |||||||||||||||||||||||||||||||||||
| Capital Expenditures | -8.88M | -4.24M | -6.03M | -7.57M | -21.99M | -23.98M | -31.30M | -19.83M | -21.97M | -25.00M | -12.59M | -24.15M | -25.48M | -14.02M | -15.22M | -9.96M | -21.25M | -6.41M | -31.41M | -15.66M | -20.50M | -14.75M | -23.39M | -24.00M | -22.60M | -16.80M | -15.70M | -21.40M | -13.50M | -10.90M | -5.30M | -4.50M | -6.20M | 15.60M | -900,000 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | -210,000 | — | -15.86M | 20.00M | — | -5.65M | -56.92M | -7.25M | -32.82M | -123.78M | 140,000 | — | — | -17.76M | — | — | -41.31M | -284.73M | -48.62M | — | — | — | -1.45M | — | — | — | — | — | — | — | — | — |
| Purchase of Investments | -18.37M | -10.62M | -9.96M | -9.04M | -6.12M | -6.40M | -6.05M | -777,000 | — | — | — | — | -48.07M | -144.22M | -71.75M | -197.27M | -161.80M | -191.16M | -176.25M | -241.27M | -738.24M | -642.29M | -189.86M | -125.17M | -14.43M | -80.32M | -33.50M | -9.70M | -10.80M | -9.20M | -15.80M | -2.20M | -10.20M | -16.50M | -10.70M |
| Sale of Investments | 15.93M | 5.03M | 8.06M | 7.24M | 3.47M | 3.48M | 3.23M | — | — | — | — | 22.00M | 131.66M | 106.40M | 197.61M | 123.99M | 169.69M | 235.01M | 190.13M | 273.28M | 1.05B | 462.62M | 165.25M | 51.05M | 9.45M | 73.08M | 11.00M | 7.60M | 5.90M | 7.10M | 9.90M | 5.00M | 12.80M | — | 8.00M |
| Investing Cash Flow | -11.33M | -15.95M | -5.67M | 137.85M | -24.64M | -42.76M | -14.12M | -20.61M | -27.62M | -81.92M | -19.84M | -34.97M | -65.67M | -51.56M | 110.64M | -81.95M | -31.12M | 37.44M | -17.03M | -2.90M | 7.42M | -243.54M | 92.50M | -98.12M | -27.58M | -25.39M | -41.50M | -23.50M | -21.20M | -15.20M | -11.20M | -6.30M | -4.30M | -1.50M | -4.20M |
| Financing Activities | |||||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 947.00M | 407.00M | 1.59B | 682.00M | 613.00M | 229.00M | 827.00M | 190.00M | 122.00M | 249.00M | 145.00M | 30.00M | — | — | 245.00M | — | 575.00M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Long-Term Debt Payments | -603.33M | -402.00M | -988.25M | -259.18M | -599.72M | -169.95M | -662.00M | -156.00M | -159.00M | -187.00M | -69.00M | -67.68M | -13.47M | -8.00M | -295.00M | — | -565.07M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Financing Charges | -139.89M | -76.67M | -59.76M | -93.10M | -109.74M | -53.00M | -52.05M | -40.23M | -29.96M | -19.46M | -5.49M | -3.49M | 8.08M | 928,000 | -185,000 | 280,000 | -135,000 | 11.77M | 7.09M | — | -242,000 | — | -140,000 | -49,000 | — | -100,000 | — | — | — | — | -100,000 | -100,000 | 500,000 | -100,000 | -100,000 |
| Financing Cash Flow | -617.93M | -477.20M | -563.19M | -121.45M | -581.68M | -134.84M | -333.65M | -89.10M | -184.84M | 42.31M | -65.24M | -115.42M | -204.71M | -94.02M | -543.47M | -18.82M | -265.96M | -359.67M | -190.29M | -261.99M | -52.51M | -259.53M | -123.40M | 13.05M | 10.15M | -10.21M | 1.60M | -500,000 | -100,000 | -300,000 | -300,000 | — | 400,000 | -400,000 | -600,000 |
| Other Cash Details | |||||||||||||||||||||||||||||||||||
| End Cash Position | 150.67M | 136.78M | 133.20M | 195.35M | 157.39M | 106.43M | 90.02M | 105.62M | 75.93M | 86.12M | 105.08M | 83.18M | 71.61M | 135.75M | 146.20M | 178.16M | 129.68M | 95.28M | 75.15M | 82.88M | 134.07M | 133.38M | 96.83M | 24.61M | 39.51M | 20.72M | 14.20M | — | — | — | — | — | — | — | — |
| Income Tax Paid | 133.72M | 152.78M | 65.33M | 71.49M | 10.15M | 18.78M | 13.40M | 31.32M | 10.86M | 33.75M | 22.37M | 24.14M | 36.85M | 11.46M | 26.89M | 28.36M | 20.07M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 106.39M | 96.88M | 57.21M | 37.96M | 37.74M | 39.92M | 26.11M | 26.08M | 26.88M | 30.47M | 28.21M | 31.01M | 31.42M | 31.97M | 21.05M | 26.19M | 13.01M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 607.41M | 464.68M | 503.42M | 416.25M | 342.93M | 236.37M | 191.75M | 205.82M | 188.30M | 121.77M | 162.44M | 111.97M | 104.26M | 122.14M | 88.33M | 137.68M | 136.37M | 156.43M | 167.63M | 197.67M | 175.95M | 156.26M | 79.73M | 46.54M | 14.06M | 25.69M | 25.60M | 4.40M | 10.40M | 2.20M | 12.40M | — | -1.70M | 2.80M | 2.50M |
Top Institutional Holders
| Holder | Date Reported | Shares | Value | % Held |
|---|---|---|---|---|
| Vanguard Total Stock Market Index Fund | Sep 30, 2024 | 737,224 | 1.33B | 3.02% |
| Vanguard 500 Index Fund | Sep 30, 2024 | 642,181 | 1.16B | 2.63% |
| Vanguard Mid-Cap Index Fund | Sep 30, 2024 | 493,214 | 892.57M | 2.02% |
| JP Morgan Large Cap Growth Fund | Sep 30, 2024 | 336,912 | 609.71M | 1.38% |
| Fidelity 500 Index Fund | Nov 30, 2024 | 302,978 | 548.30M | 1.24% |
| SPDR S&P 500 ETF Trust | Nov 30, 2024 | 302,607 | 547.63M | 1.24% |
| iShares Core S&P 500 ETF | Nov 30, 2024 | 277,326 | 501.88M | 1.13% |
| Vanguard Growth Index Fund | Sep 30, 2024 | 255,239 | 461.91M | 1.04% |
| American Century Ultra | Oct 31, 2024 | 223,000 | 403.56M | 0.91% |
| Principal Mid Cap Fund | Oct 31, 2024 | 210,494 | 380.93M | 0.86% |
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