Fair Isaac vs NCR Voyix
NCR Voyix is the larger business, with $2.69bn of revenue in fiscal 2025 against $1.99bn for Fair Isaac (1.3 times as much). Fair Isaac grew faster (15.9% against -4.6%). Fair Isaac kept more of each dollar of sales as profit: a net margin of 32.7% against 2.3%.
| Latest fiscal year | Fair IsaacFICO, 2025 | NCR VoyixVYX, 2025 |
|---|---|---|
| Revenue | $1.99bn | $2.69bn |
| Revenue growth | 15.9% | -4.6% |
| Net income | $652m | $62.0m |
| Operating margin | 46.5% | 1.0% |
| Net margin | 32.7% | 2.3% |
| Return on equity | — | 6.6% |
| Free cash flow | $770m | −$375m |
| Cash | $134m | $231m |
| Total debt | $3.06bn | $1.10bn |
| Debt to equity | — | 116.6% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $1.41bn | $74.0m |
| Employees | — | 13,500 |
| Market value | $15.70bn | $1.21bn |
| Price vs our value range | Below our value range | — |
| Moat score | 71 (Strong) | 29 (Weak) |
| Insider trades, 12 months | 0 buys, 21 sales | 0 buys, 1 sales |