Cash flow Fair Isaac Corporation

Equities

FICO

US3032501047

Software

Market Closed - Nyse Other stock markets 04:00:19 2025-12-08 pm EST			5-day change	1st Jan Change
1,760.45 ^USD	-2.12%		-0.47%	-11.58%

Dec. 05	RBC Raises Price Target on Fair Isaac to $2,400 From $2,170, Keeps Outperform Rating	MT
Dec. 01	Fair Isaac Insider Sold Shares Worth $434,287, According to a Recent SEC Filing	MT

da720083ae45f9663.ULuuBGmbKmhwNTHH7T8hmEliGzgYO0cRiIT3UFYOLBo.JdeYfQHRegZDAFOwjgdWyzAjK0pHYQlZ2OCbHDE_GnI0_sZeJu8aPQRiYA

Published financial data: FAIR ISAAC CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: September	2021	2022	2023	2024	2025
Revenues	1.32B	1.38B	1.51B	1.72B	1.99B
Total Revenues	1.32B	1.38B	1.51B	1.72B	1.99B
Cost of Goods Sold, Total	332M	302M	311M	348M	354M
Gross Profit	984M	1.08B	1.2B	1.37B	1.64B
Selling General & Admin Expenses, Total	396M	384M	401M	463M	513M
R&D Expenses	171M	147M	160M	172M	188M
Amortization of Goodwill and Intangible Assets - (IS)	3.26M	2.06M	1.1M	917K	-
Other Operating Expenses, Total	571M	533M	562M	636M	701M
Operating Income	413M	542M	641M	734M	936M
Interest Expense, Total	-40.09M	-68.97M	-95.55M	-106M	-134M
Net Interest Expenses	-40.09M	-68.97M	-95.55M	-106M	-134M
Currency Exchange Gains (Loss)	-	1.9M	-2.6M	-600K	1.1M
Other Non Operating Income (Expenses)	3.18M	5.23M	6.03M	4.8M	5.27M
EBT, Excl. Unusual Items	376M	481M	549M	632M	808M
Restructuring Charges	-7.96M	-	-	-	-10.92M
Gain (Loss) On Sale Of Investments	4.57M	-9.27M	2.91M	9.83M	5.02M
Gain (Loss) On Sale Of Assets	100M	-	1.94M	-	-
EBT, Incl. Unusual Items	473M	471M	554M	642M	803M
Income Tax Expense	81.06M	97.77M	124M	129M	151M
Earnings From Continuing Operations	392M	374M	429M	513M	652M
Net Income to Company	392M	374M	429M	513M	652M
Net Income - (IS)	392M	374M	429M	513M	652M
Net Income to Common Incl Extra Items	392M	374M	429M	513M	652M
Net Income to Common Excl. Extra Items	392M	374M	429M	513M	652M
Per Share Items
Net EPS - Basic	13.65	14.34	17.18	20.78	26.9
Basic EPS - Continuing Operations	13.65	14.34	17.18	20.78	26.9
Basic Weighted Average Shares Outstanding	28.73M	26.04M	24.99M	24.68M	24.24M
Net EPS - Diluted	13.4	14.18	16.93	20.45	26.54
Diluted EPS - Continuing Operations	13.4	14.18	16.93	20.45	26.54
Diluted Weighted Average Shares Outstanding	29.26M	26.35M	25.37M	25.08M	24.56M
Normalized Basic EPS	8.19	11.53	13.73	16.01	20.85
Normalized Diluted EPS	8.04	11.4	13.52	15.75	20.57
Dividend Per Share	-	-	-	-	-
Payout Ratio	-	-	-	-	-
Supplemental Items
EBITDA	438M	562M	655M	747M	951M
EBITA	416M	544M	641M	735M	936M
EBIT	413M	542M	641M	734M	936M
EBITDAR	459M	583M	674M	766M	968M
Total Revenues (As Reported)	1.32B	1.38B	1.51B	1.72B	1.99B
Effective Tax Rate - (Ratio)	17.13	20.74	22.44	20.13	18.77
Current Domestic Taxes	51.4M	59.36M	129M	121M	147M
Current Foreign Taxes	35.62M	30.6M	42.33M	35.94M	35.98M
Total Current Taxes	87.01M	89.95M	172M	157M	183M
Deferred Domestic Taxes	-5.55M	8.67M	-52.91M	-27.94M	-30.28M
Deferred Foreign Taxes	-405K	-856K	5.53M	609K	-2.21M
Total Deferred Taxes	-5.96M	7.82M	-47.38M	-27.33M	-32.49M
Normalized Net Income	235M	300M	343M	395M	505M
Interest on Long-Term Debt	11K	-	-	369K	481K
Supplemental Operating Expense Items
Advertising Expense	6.9M	8.1M	9.8M	12.3M	29.7M
Selling and Marketing Expenses	6.9M	8.1M	9.8M	12.3M	29.7M
Research And Development Expense From Footnotes	172M	147M	160M	172M	188M
Net Rental Expense, Total	20.83M	20.72M	18.99M	18.45M	17.35M
Imputed Operating Lease Interest Expense	5.88M	7.04M	7.61M	7.5M	6.94M
Imputed Operating Lease Depreciation	14.94M	13.68M	11.38M	10.94M	10.41M
Stock-Based Comp., Other (Total)	112M	115M	124M	149M	157M
Total Stock-Based Compensation	112M	115M	124M	149M	157M

Fiscal Period: September	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	195M	133M	137M	151M	134M
Total Cash And Short Term Investments	195M	133M	137M	151M	134M
Accounts Receivable, Total	312M	322M	388M	427M	529M
Total Receivables	312M	322M	388M	427M	529M
Prepaid Expenses	43.51M	29.1M	31.72M	40.1M	41.88M
Total Current Assets	551M	485M	556M	617M	705M
Gross Property Plant And Equipment	172M	149M	125M	145M	139M
Accumulated Depreciation	-97.05M	-94.83M	-88M	-77.45M	-45.57M
Net Property Plant And Equipment	75.19M	54.27M	36.67M	68.04M	93.93M
Long-term Investments	1.31M	1.14M	1.22M	-	-
Goodwill	788M	761M	773M	783M	783M
Other Intangibles, Total	4.1M	2.02M	917K	-	-
Accounts Receivable Long-Term	37.45M	42.11M	45.72M	42.64M	37.21M
Deferred Tax Assets Long-Term	20.55M	11.8M	59.14M	86.51M	119M
Deferred Charges Long-Term	44.93M	53M	58.6M	60.5M	63.2M
Other Long-Term Assets, Total	45.08M	31.92M	43.24M	60.02M	66.74M
Total Assets	1.57B	1.44B	1.58B	1.72B	1.87B
Liabilities
Accounts Payable, Total	20.75M	17.27M	19.01M	22.47M	32.32M
Accrued Expenses, Total	153M	145M	146M	171M	217M
Current Portion of Long-Term Debt	250M	30M	50M	15M	400M
Current Portion of Leases	22.07M	19.37M	16.34M	14.7M	12.88M
Unearned Revenue Current, Total	105M	120M	137M	157M	187M
Other Current Liabilities	7.86M	-	-	-	-
Total Current Liabilities	559M	331M	368M	380M	849M
Long-Term Debt	1.01B	1.82B	1.81B	2.19B	2.66B
Long-Term Leases	53.67M	39.19M	23.9M	29.23M	23.13M
Unearned Revenue Non Current	5.35M	6.52M	6.5M	3.31M	1.87M
Other Non Current Liabilities	51.48M	43.15M	53.52M	73.72M	83.56M
Total Liabilities	1.68B	2.24B	2.26B	2.68B	3.61B
Common Stock, Total	276K	252K	248K	244K	238K
Additional Paid In Capital	1.24B	1.3B	1.35B	1.37B	1.33B
Retained Earnings	2.59B	2.96B	3.39B	3.9B	4.55B
Treasury Stock	-3.86B	-4.94B	-5.32B	-6.14B	-7.54B
Comprehensive Income and Other	-75.85M	-125M	-102M	-91.63M	-92.05M
Total Common Equity	-111M	-802M	-688M	-963M	-1.75B
Total Equity	-111M	-802M	-688M	-963M	-1.75B
Total Liabilities And Equity	1.57B	1.44B	1.58B	1.72B	1.87B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	27.36M	24.98M	24.71M	24.35M	23.71M
ECS Total Common Shares Outstanding	27.57M	25.15M	24.77M	24.39M	23.76M
Book Value / Share	-4.02	-31.88	-27.78	-39.47	-73.46
Tangible Book Value	-903M	-1.57B	-1.46B	-1.75B	-2.53B
Tangible Book Value Per Share	-32.76	-62.22	-59.03	-71.56	-106.43
Total Debt	1.33B	1.91B	1.9B	2.25B	3.09B
Net Debt	1.14B	1.78B	1.77B	2.1B	2.96B
Debt Equivalent Oper. Leases	167M	166M	152M	148M	139M
Account Code - Inventory Valuation	3	3	3	3	3
Machinery, Total	103M	91.12M	82.22M	71.78M	50.23M
Full Time Employees	3.66K	3.4K	3.46K	3.59K	3.81K
Part Time Employees	-	-	-	-	-
Assets under Capital Lease - Gross	-	-	-	-	-
Accumulated Allowance for Doubtful Accounts (Supple)	-	-	-	-	-

Fiscal Period: September	2021	2022	2023	2024	2025
Net Income	392M	374M	429M	513M	652M
Depreciation & Amortization - CF	22.34M	18.4M	13.54M	12.91M	14.95M
Amortization of Goodwill and Intangible Assets - (CF)	2.23M	1.56M	600K	917K	-
Depreciation & Amortization, Total	24.56M	19.96M	14.14M	13.83M	14.95M
Amortization of Deferred Charges, Total - (CF)	1.03M	500K	500K	-	-
(Gain) Loss From Sale Of Asset	-99.81M	193K	-1.39M	438K	210K
(Gain) Loss on Sale of Investments - (CF)	-4.57M	9.27M	-2.91M	-9.83M	-5.02M
Asset Writedown & Restructuring Costs	-	-	-	-	-
Stock-Based Compensation (CF)	112M	115M	124M	149M	157M
Tax Benefit from Stock Options	-	-	-	-	-
Provision and Write-off of Bad Debts	652K	2.8M	1.48M	1.68M	1.48M
Other Operating Activities, Total	10.15M	23.74M	-32.67M	-14.91M	-22.88M
Change In Accounts Receivable	24.5M	-31.56M	-70.12M	-34.14M	-100M
Change In Accounts Payable	-2.35M	-2.8M	2.24M	3.32M	9.85M
Change in Unearned Revenues	4.49M	23.55M	18.76M	13.97M	29.74M
Change in Other Net Operating Assets	-39.37M	-25.1M	-14.33M	-3.62M	42.24M
Cash from Operations	424M	509M	469M	633M	779M
Capital Expenditure	-7.57M	-6.03M	-10.36M	-8.88M	-8.92M
Sale of Property, Plant, and Equipment	147M	2.26M	-	-	-
Cash Acquisitions	-	-	-	-	-
Sale (Purchase) of Intangible assets	-	-	-	-16.67M	-30.48M
Investment in Marketable and Equity Securities, Total	-210K	-	-	-	-
Other Investing Activities, Total	-1.8M	-1.9M	-5.59M	-2.44M	-4.31M
Cash from Investing	138M	-5.67M	-15.95M	-27.99M	-43.72M
Long-Term Debt Issued, Total	682M	1.59B	407M	947M	2.22B
Total Debt Issued	682M	1.59B	407M	947M	2.22B
Long-Term Debt Repaid, Total	-259M	-988M	-402M	-603M	-1.37B
Total Debt Repaid	-259M	-988M	-402M	-603M	-1.37B
Issuance of Common Stock	20.88M	16.03M	22.2M	25.01M	32.82M
Repurchase of Common Stock	-966M	-1.16B	-482M	-961M	-1.62B
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-	-
Other Financing Activities, Total	-1.49M	-8.82M	-	-706K	-17.16M
Cash from Financing	-524M	-547M	-455M	-593M	-750M
Foreign Exchange Rate Adjustments	-136K	-18.77M	5.62M	1.84M	-1.29M
Net Change in Cash	37.96M	-62.15M	3.58M	13.89M	-16.53M
Supplemental Items
Cash Interest Paid	37.96M	57.21M	96.88M	106M	104M
Cash Income Tax Paid (Refund)	71.49M	65.33M	153M	134M	162M
Levered Free Cash Flow	377M	425M	420M	532M	615M
Unlevered Free Cash Flow	402M	468M	480M	598M	699M
Change In Net Working Capital	-13.66M	936K	48.9M	-2.16M	18.08M
Net Debt Issued / Repaid	423M	601M	5M	344M	853M

Fiscal Period: September	2021	2022	2023	2024	2025
Profitability
Return on Assets	16.28	22.53	26.55	27.85	32.62
Return on Total Capital	20.74	29.05	34.47	36.62	44.37
Return On Equity %	356.21	-81.84	-57.64	-62.13	-48.14
Return on Common Equity	356.21	-81.84	-57.64	-62.13	-48.14
Margin Analysis
Gross Profit Margin %	74.75	78.06	79.45	79.73	82.23
SG&A Margin	30.1	27.87	26.47	26.95	25.77
EBITDA Margin %	33.26	40.83	43.28	43.52	47.75
EBITA Margin %	31.56	39.5	42.38	42.77	47
EBIT Margin %	31.39	39.38	42.34	42.71	47
Income From Continuing Operations Margin %	29.78	27.12	28.37	29.86	32.75
Net Income Margin %	29.78	27.12	28.37	29.86	32.75
Net Avail. For Common Margin %	29.78	27.12	28.37	29.86	32.75
Normalized Net Income Margin	17.87	21.81	22.66	23.01	25.38
Levered Free Cash Flow Margin	28.67	30.84	27.75	31	30.91
Unlevered Free Cash Flow Margin	30.57	33.97	31.7	34.84	35.11
Asset Turnover
Asset Turnover	0.83	0.92	1	1.04	1.11
Fixed Assets Turnover	14.69	21.28	33.29	32.8	24.58
Receivables Turnover (Average Receivables)	4.07	4.34	4.26	4.22	4.17
Short Term Liquidity
Current Ratio	0.99	1.46	1.51	1.62	0.83
Quick Ratio	0.91	1.37	1.43	1.52	0.78
Operating Cash Flow to Current Liabilities	0.76	1.54	1.28	1.66	0.92
Days Sales Outstanding (Average Receivables)	89.59	84.08	85.65	86.79	87.62
Average Days Payable Outstanding	24.03	22.96	21.29	21.8	28.27
Long Term Solvency
Total Debt/Equity	-1.2K	-238.45	-276.44	-234.03	-177.1
Total Debt / Total Capital	109.07	172.23	156.68	174.61	229.71
LT Debt/Equity	-957.88	-232.29	-266.8	-230.94	-153.47
Long-Term Debt / Total Capital	86.83	167.78	151.21	172.31	199.07
Total Liabilities / Total Assets	107.08	155.61	143.67	156.04	193.45
EBIT / Interest Expense	10.31	7.86	6.71	6.94	7
EBITDA / Interest Expense	11.44	8.45	7.05	7.25	7.24
(EBITDA - Capex) / Interest Expense	11.25	8.37	6.95	7.17	7.18
Total Debt / EBITDA	2.91	3.28	2.82	2.94	3.19
Net Debt / EBITDA	2.48	3.05	2.62	2.74	3.06
Total Debt / (EBITDA - Capex)	2.96	3.31	2.87	2.98	3.22
Net Debt / (EBITDA - Capex)	2.53	3.08	2.66	2.78	3.08
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	1.7	4.61	9.9	13.48	15.91
Gross Profit, 1 Yr. Growth %	5.43	9.25	11.85	13.87	19.56
EBITDA, 1 Yr. Growth %	18.47	28.43	16.47	14.02	27.19
EBITA, 1 Yr. Growth %	20.72	30.91	17.93	14.42	27.39
EBIT, 1 Yr. Growth %	21.21	31.24	18.15	14.47	27.55
Earnings From Cont. Operations, 1 Yr. Growth %	65.85	-4.73	14.95	19.43	27.13
Net Income, 1 Yr. Growth %	65.85	-4.73	14.95	19.43	27.13
Normalized Net Income, 1 Yr. Growth %	25.48	27.68	14.19	15.2	27.89
Diluted EPS Before Extra, 1 Yr. Growth %	69.62	5.82	19.39	20.79	29.78
Accounts Receivable, 1 Yr. Growth %	-6.61	3.3	20.33	9.97	24.03
Net Property, Plant and Equip., 1 Yr. Growth %	-27.76	-27.82	-32.43	85.57	38.04
Total Assets, 1 Yr. Growth %	-2.39	-8.02	9.24	9.05	8.75
Tangible Book Value, 1 Yr. Growth %	84.14	73.27	-6.57	19.37	44.9
Common Equity, 1 Yr. Growth %	-133.51	622.85	-14.21	39.93	81.35
Cash From Operations, 1 Yr. Growth %	16.14	20.21	-7.96	34.98	23.04
Capital Expenditures, 1 Yr. Growth %	-65.58	-20.35	71.89	-14.27	0.43
Levered Free Cash Flow, 1 Yr. Growth %	32.39	12.55	-1.1	26.73	15.61
Unlevered Free Cash Flow, 1 Yr. Growth %	29.23	16.25	2.55	24.72	16.81
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	6.53	3.14	7.22	11.67	14.69
Gross Profit, 2 Yr. CAGR %	9.33	7.32	10.54	12.86	16.68
EBITDA, 2 Yr. CAGR %	24.35	23.35	22.31	15.24	20.43
EBITA, 2 Yr. CAGR %	26.98	25.71	24.25	16.15	20.73
EBIT, 2 Yr. CAGR %	27.68	26.12	24.52	16.3	20.84
Earnings From Cont. Operations, 2 Yr. CAGR %	42.86	25.7	4.65	17.17	23.22
Net Income, 2 Yr. CAGR %	42.86	25.7	4.65	17.17	23.22
Normalized Net Income, 2 Yr. CAGR %	31.75	26.58	20.75	14.69	21.38
Diluted EPS Before Extra, 2 Yr. CAGR %	45.38	33.98	12.4	20.09	25.21
Accounts Receivable, 2 Yr. CAGR %	2.44	-1.78	11.49	15.03	16.79
Net Property, Plant and Equip., 2 Yr. CAGR %	19.08	-27.79	-30.16	11.98	60.05
Total Assets, 2 Yr. CAGR %	4.58	-5.25	0.24	9.15	8.9
Tangible Book Value, 2 Yr. CAGR %	30.8	78.62	27.24	5.61	31.52
Common Equity, 2 Yr. CAGR %	-38.12	55.63	149.03	9.56	59.3
Cash From Operations, 2 Yr. CAGR %	27.59	18.16	5.19	11.46	28.87
Capital Expenditures, 2 Yr. CAGR %	-43.82	-47.64	17.01	21.39	-7.21
Levered Free Cash Flow, 2 Yr. CAGR %	33.02	22.07	5.5	11.95	21.04
Unlevered Free Cash Flow, 2 Yr. CAGR %	30	22.57	9.18	13.09	20.7
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	9.59	5.89	5.35	9.27	13.07
Gross Profit, 3 Yr. CAGR %	12.71	9.31	8.81	11.64	15.05
EBITDA, 3 Yr. CAGR %	29.17	25.7	21.02	19.51	19.09
EBITA, 3 Yr. CAGR %	32.27	28.28	23.06	20.91	19.78
EBIT, 3 Yr. CAGR %	33.08	28.85	23.41	21.08	19.94
Earnings From Cont. Operations, 3 Yr. CAGR %	45.81	24.81	22.01	9.36	20.4
Net Income, 3 Yr. CAGR %	45.81	24.81	22.01	9.36	20.4
Normalized Net Income, 3 Yr. CAGR %	37.28	30.38	22.31	18.87	18.93
Diluted EPS Before Extra, 3 Yr. CAGR %	48.89	30.78	28.93	15.13	23.24
Accounts Receivable, 3 Yr. CAGR %	5.37	2.72	5.1	10.98	17.96
Net Property, Plant and Equip., 3 Yr. CAGR %	15.47	0.77	-29.37	-3.27	20.06
Total Assets, 3 Yr. CAGR %	5.62	0.2	-0.65	3.09	9.01
Tangible Book Value, 3 Yr. CAGR %	19.6	43.65	43.92	24.56	17.35
Common Equity, 3 Yr. CAGR %	-27.19	40.4	27.61	105.49	29.6
Cash From Operations, 3 Yr. CAGR %	23.86	25.08	8.72	14.31	15.2
Capital Expenditures, 3 Yr. CAGR %	-37.7	-36.89	-22.18	5.48	13.96
Levered Free Cash Flow, 3 Yr. CAGR %	47.79	25.81	13.8	12.15	13.16
Unlevered Free Cash Flow, 3 Yr. CAGR %	43.4	25.24	15.5	14.14	14.32
Dividend Per Share, 3 Yr. CAGR %	-	-	-	-	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	8.36	8.05	8.64	8.16	8.99
Gross Profit, 5 Yr. CAGR %	9.82	10.68	11.84	10.71	11.89
EBITDA, 5 Yr. CAGR %	17.69	21.05	26.38	21.42	20.8
EBITA, 5 Yr. CAGR %	18.71	23.05	29	23.31	22.14
EBIT, 5 Yr. CAGR %	19.5	23.79	29.59	23.68	22.37
Earnings From Cont. Operations, 5 Yr. CAGR %	29.07	22.86	27.69	21.7	22.49
Net Income, 5 Yr. CAGR %	29.07	22.86	27.69	21.7	22.49
Normalized Net Income, 5 Yr. CAGR %	21.09	24.49	30.41	23.86	21.93
Diluted EPS Before Extra, 5 Yr. CAGR %	31.64	27.92	33.05	26.39	27.42
Accounts Receivable, 5 Yr. CAGR %	13.22	13.85	7.78	7.48	9.63
Net Property, Plant and Equip., 5 Yr. CAGR %	10.75	5.92	-5.57	5.11	-2.03
Total Assets, 5 Yr. CAGR %	5.13	2.81	3.44	3.69	3.07
Tangible Book Value, 5 Yr. CAGR %	18.58	31.43	22.6	27.02	38.82
Common Equity, 5 Yr. CAGR %	-24.32	13.46	19.07	27.14	39.45
Cash From Operations, 5 Yr. CAGR %	15.05	17.69	16.02	19.44	16.37
Capital Expenditures, 5 Yr. CAGR %	-19.19	-21.19	-19.83	-18.01	-16.51
Levered Free Cash Flow, 5 Yr. CAGR %	15.9	18.72	29.15	20.07	16.64
Unlevered Free Cash Flow, 5 Yr. CAGR %	15.34	18.98	28.58	20.23	17.55
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	-