FICO
FAIR ISAAC CORP
Technology • CIK: 0000814547
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Market Cap
$36.27B
P/E (TTM)
55.6x
Rev Growth (TTM)
+15.9%
Net Margin (TTM)
32.7%
FCF Yield (TTM)
2.1%
FCF Margin (TTM)
38.7%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$770M
Q4 '25
$219M-23%
Q3 '25
$284M+291%
FCF Margin
TTM38.7%
Q4 '2542.6%-20%
Sector: 14.5%Top 10%
OCF Margin39.1%
OCF/NI1.19x
CapEx Coverage87.3x
FCF Yield2.1%
FCF Growth (2Y)+15%
Cash Conversion Cycle
55 days
DSO: 81+DIO: 0−DPO: 27
Capital Allocation & Returns
Balanced
Total Shareholder YieldTTM
TTM3.9%
Div Yield0.0%
+Buyback (TTM)3.9%
Balancing returns with reinvestment
Dividend & Payout Metrics
Dividend Yield (TTM)0.0%
Free Cash Flow (TTM)$769.9M
Stock Repurchases (TTM)$1.4B
Capital Return / FCF183.7%
Est. Dividends Paid (TTM)$0
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
64.1%
Moderate
+0.3% YoY+36.1%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
37.7%
8Q: 36.0%
Asset Turnover
1.11x
8Q: 1.06x
Leverage (1+D/E)
-0.75x
D/E: -1.75x
DuPont: -31.3% ≈ 64.1% ROIC
Asset & CapEx Efficiency
Fixed Asset Turn
38.47x
8Q:46.60x
-11079.4%
Invested Cap Turn
1.70x
8Q:1.62x
+29.5%
CapEx Intensity
0.8%
8Q:0.6%
CapEx/Depreciation
0.60x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $2.0B | $515.8M↓3.9% | $536.4M↑7.6% | $498.7M↑13.4% | $440.0M↓3.0% | $453.8M↑1.3% | $447.8M↑3.2% | $433.8M↑13.5% | $382.1M |
Operating Income | $924.9M | $237.2M↓9.7% | $262.5M↑6.9% | $245.6M↑36.8% | $179.5M↓9.0% | $197.2M↑3.6% | $190.3M↓2.4% | $194.8M↑28.7% | $151.4M |
Net Income | $651.9M | $155.0M↓14.7% | $181.8M↑11.8% | $162.6M↑6.6% | $152.5M↑12.4% | $135.7M↑7.5% | $126.3M↓2.7% | $129.8M↑7.2% | $121.1M |
Operating Cash Flow | $778.8M | $223.7M↓21.9% | $286.2M↑282.0% | $74.9M↓61.4% | $194.0M↓14.3% | $226.5M↑6.2% | $213.3M↑200.3% | $71.0M↓41.8% | $122.1M |
Free Cash Flow | $769.9M | $219.5M↓22.8% | $284.4M↑290.7% | $72.8M↓62.3% | $193.2M↓14.0% | $224.7M↑6.2% | $211.6M↑215.9% | $67.0M↓44.5% | $120.8M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
55.6x
Valuation Lenses
Earnings
55.6x
vs – sector
Cash Flow
61.3x
EV/FCF vs –
Growth-Adj
1.9xPEG
Fair for growth
Quality-Adj
0.9P/E per %ROIC
ROIC: 64.1%
Shareholder Returns
Dividend
–
Buyback
3.9%
Total Yield
3.9%
Market Cap$36.27B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
51/100
Average
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Top 10%
-52.0%
8Q:–
Return on Invested Capital (ROIC)Top 25%
64.1%
8Q:–
+36.1%
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: 37.7%
Asset Turnover: 1.11x
Earnings Quality
Cash Conversion
1.19x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin82.2%
Capital Efficiency
Invested Capital Turnover1.70x
Working Capital
Cash Conversion Cycle55 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
74/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
15.9%
OpInc Growth YoY
20.3%
EPS Growth YoY
29.8%
FCF 3Y CAGR
15.2%
Margin Quality & Sustainability
Moderate
Profitability Cascade
Gross
82.2%
Operating
46.5%
Top 25% in sector
Net
32.7%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+5.9 pts
FCF: 38.7% | Net: 32.7%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Solid
Net Debt / EBITDA
–Net Debt: $2.92B
Interest Coverage
–
Leverage Metrics
Debt-to-Equity
-1.75x
Balance sheet risk & solvency analysis