FICO · NYSE
Fair Isaac Corporation
Software - Application · United States
- Market cap (USD)
- US$14.84B
- Trailing P/E
- 19.89x
- Forward P/E
- 13.67x
- Quarterly revenue growth
- 25.7%
- Trailing net margin
- 34.1%
- Indicated dividend yield
- —
Snapshot 2026-10-06 · Latest financial period 2026-06-30 · Yahoo Finance. Quotes may be delayed; reporting periods can differ.
Next earnings: 2026-11-04 (provider estimate, not issuer-confirmed).
Company background
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services 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. Its 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. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It 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.
Company websiteQ3 FY2026
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Comparable businesses
FICO peer comparison
Same business group first, then company size. Preferred market cap: 0.5–2x; extended range: one-third–3x. Outside that range, industry benchmarks are labeled separately and excluded from peer medians.
No suitable peers with fresh, comparable size data are available. We have not substituted unrelated companies.
| Metric | FICOFair Isaac CorporationSnapshot 2026-10-06Financial period: 2026-06-30 |
|---|---|
| Market capMarket value, converted to USD | US$14.84B |
| Forward P/EProvider forward earnings estimate | 13.67x |
| EV / EBITDAEnterprise value / trailing EBITDA | 16.02x |
| Revenue growthLatest quarter vs prior-year quarter | 25.7% |
| Operating marginLatest reported quarter | 53.8% |
| Free cash flow yieldTrailing cash flow / market cap | 5.2% |
| Net debt / EBITDANet debt / trailing EBITDA | 4.23x |
| Debt / equityTotal debt / positive book equity | — |
| Trailing P/ETrailing twelve-month earnings | 19.89x |
| Price / bookPrice / positive book equity per share | — |
| EV / salesEnterprise value / trailing revenue | 8.46x |
| Earnings growthLatest quarter vs prior-year quarter | 41.2% |
| Gross marginTrailing twelve months | 85.1% |
| Net marginTrailing twelve months | 34.1% |
| Return on equityProvider trailing return; positive equity only | — |
| Free cash flow marginTrailing free cash flow / revenue | 32.4% |
| Dividend yieldIndicated annual dividend / price | — |
| Earnings payoutProvider trailing dividend payout | 0.0% |
| Current ratioCurrent assets / current liabilities | 1.18x |
| BetaProvider historical market sensitivity | 1.34 |
Comparison methodology & limitations
Reviewed operating groups override broad sector classifications. Other companies are matched only within a sufficiently specific provider industry. Business mix, geography and accounting standards can still differ. Market caps are converted to USD using exchange rates captured during the snapshot refresh. Financial ratios that would mix currencies are omitted. Snapshots must be at most 14 days old and no more than seven days apart for automatic selection.
Peer medians require at least two valid similar-size peers for each metric. Negative earnings, nonpositive equity, missing data and irrelevant bank ratios are not presented as attractive valuations. A higher or lower number is not automatically a better investment. Financial statement periods are not calendar-aligned across companies.
Reported performance
Financial trends
Periods are grouped by their ending calendar year or quarter, not identical fiscal calendars. Exact period-end dates appear in tooltips and reported figures. When reporting currencies differ and a recent captured FX rate is available, money and EPS are normalized to USD for comparison. This is not a historical FX restatement. Gaps are not estimated.
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Revenue
Reported figures
Financial data & calculation notes
Standalone charts use the stated reporting currency. When a chart comparison spans currencies, money and EPS can be normalized to USD using a recent captured FX snapshot; this is for comparison only, not a historical FX restatement. Stock-based compensation is noncash. Free cash flow is operating cash flow less capital spending, which may include capitalized software. Missing metrics are not estimated or assumed to be zero. Banking and insurance ratios require industry-specific interpretation. Latest restatements may differ from figures in older episodes.
Market context
Valuation & price history
Adjusted closing price
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Price figures
Earnings-multiple scenario
Illustrative price = your earnings-per-share assumption × your P/E assumption. This is not a price target or a complete valuation model.
Starting assumptions, when available, use provider forward estimates as of 2026-10-06. Negative earnings require a different valuation method. This calculation omits balance-sheet, dilution and execution risks.
THE RESEARCH RECORD
Research history for FICO
Q3 FY20262026-08-01
Fair Isaac (FICO): Mortgage Revenue +97%, Volumes Flat — The 26% Growth Quarter That Fell 17%
Presentation · 2026-08-01 · YouTube
Q1 20262026-05-02
FICO Stock: Revenue Beats, EPS Misses — Q1 2026
Presentation · 2026-05-02 · YouTube