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Fair Isaac key statistics and ratios

In fiscal 2025, Fair Isaac had an operating margin of 46.5% and a current ratio of 0.83. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Sept 20092010Sept 20102011Sept 20112012Sept 20122013Sept 20132014Sept 20142015Sept 20152016Sept 20162017Sept 20172018Sept 20182019Sept 20192020Sept 20202021Sept 20212022Sept 20222023Sept 20232024Sept 20242025Sept 2025LTMJun 2026
Gross margin67.3%70.1%69.9%70.7%69.1%68.4%67.7%69.9%69.1%69.7%71.0%72.1%74.7%78.1%79.4%79.7%82.2%85.1%
Operating margin18.5%18.7%20.5%24.9%21.7%20.5%16.4%19.2%19.5%17.0%21.9%22.9%38.4%39.4%42.5%42.7%46.5%51.7%
Net margin10.3%10.6%11.5%13.6%12.1%12.0%10.3%12.4%14.3%12.3%16.6%18.3%29.8%27.1%28.4%29.9%32.7%34.1%
Free-cash-flow margin21.8%14.6%19.7%15.4%15.1%20.6%14.5%21.4%22.1%18.6%20.4%26.5%31.6%36.6%30.7%36.3%38.7%41.6%
Return on equity10.8%12.0%15.2%19.6%17.9%19.3%19.4%23.8%28.2%33.6%66.6%76.2%——————
Return on assets5.0%5.3%6.4%8.0%7.8%8.1%7.1%8.9%10.8%9.8%13.9%15.6%24.7%24.8%28.5%31.1%36.4%41.7%
Asset turnover0.480.500.550.590.640.670.690.720.750.800.840.850.830.921.001.041.111.23
Current ratio3.862.842.491.241.500.851.181.090.950.840.931.290.991.461.511.620.831.18
Debt to equity49.1%1.7%110.0%106.2%85.7%82.7%139.1%118.6%129.7%265.8%284.6%252.0%——————
Interest cover (operating income ÷ interest)4.6x4.7x3.9x5.4x5.3x5.7x4.7x6.4x7.1x5.6x6.4x7.0x12.6x7.9x6.7x6.9x6.9x6.6x
Effective tax rate32.9%30.2%26.6%32.5%31.7%28.7%20.8%24.3%14.6%19.4%11.1%8.0%17.1%20.7%22.4%20.1%18.8%23.5%
R&D as % of revenue11.7%12.1%10.0%8.8%9.0%10.6%11.8%11.8%11.9%12.4%12.9%12.9%13.0%10.7%10.6%10.0%9.5%8.7%
SG&A as % of revenue33.2%37.2%36.1%35.3%36.1%35.3%35.8%37.3%36.2%36.5%35.7%32.5%30.1%27.9%26.5%26.9%25.8%24.3%
Capital spending as % of revenue2.2%2.9%2.3%3.8%3.2%1.6%3.0%2.5%2.1%3.0%2.1%1.7%0.6%0.4%0.3%0.5%0.4%0.2%
Free cash flow ÷ net income211.5%137.0%170.7%113.3%124.3%171.2%140.8%172.0%154.3%151.6%123.0%145.1%106.2%134.8%108.2%121.7%118.1%122.2%
Dividends ÷ net income6.0%5.6%4.4%3.0%3.1%2.9%2.9%2.3%0.9%0.0%0.0%———————
Dividends and buybacks ÷ free cash flow16.3%226.1%77.4%185.9%76.4%135.3%109.4%74.8%91.8%178.7%96.8%68.6%210.0%219.3%87.3%131.7%183.7%360.8%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

2 of 5 checks passed · June 30, 2026
What it owns · $2.0bn
Short-term assets $882mLonger-term assets $1.2bn
What it owes, and who funded it · $6.1bn
Short-term liabilities $745mLonger-term liabilities $5.4bnShareholders' equity $-4.1bn
  • Short-term assets cover short-term liabilities $882m of assets due within a year against $745m of liabilities due within a year.
  • Short-term assets cover long-term liabilities $882m short-term assets against $5.4bn of longer-dated liabilities.
  • More cash than debt $248m of cash against $5.6bn of debt.
  • Debt below 40% of shareholders' equity Equity or debt not reported. Not assessable.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt $1.0bn of operating cash flow against $5.6bn of debt.
  • Operating profit covers interest at least five times over Operating income of $1.2bn against $186m of interest.

From Fair Isaac's latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

71 /100

Strong moat

How hard Fair Isaac's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Cash operating profit has been a median 42.7% of total assets over 10 years.

  • Pricing power 17 / 20

    Gross margin has been a median 76.2%, moving by 5.5 percentage points (standard deviation) across 10 years.

  • Durability 17 / 20

    Operating margin has been a median 36.7%; its worst year was 17.6%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 10 of 10 years, at a median 31.6% of revenue.

  • Discipline 13 / 20

    The diluted share count fell 20.1% over five years; stock-based pay has been a median 7.7% of revenue.

AI disruption exposure: High. In this industry, the core product is information work that AI systems increasingly perform. The score above includes a 15-point deduction for that exposure (86 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Fair Isaac's SEC filings (10-K and 10-Q), retrieved October 20, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Fair Isaac.