Financials Fair Isaac Corporation

Equities

FICO

US3032501047

Software

Market Closed - Nyse Other stock markets 04:00:02 2026-02-13 pm EST			5-day change	1st Jan Change
1,344.74 ^USD	+0.53%		-3.33%	-20.46%

Feb. 12	FICO and Meridianlink Partner to Expand Access to Fico Mortgage Direct License Program	CI
Feb. 04	Grab Finance Expands Credit Access Across Southeast Asia Using FICO Platform, Delivering 22 Workflows in Six Countries	CI

Projected Income Statement: Fair Isaac Corporation

Fiscal Period: September	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	1,317	1,377	1,514	1,718	1,991	2,458	2,892	3,255
Change	-	4.61%	9.9%	13.48%	15.91%	23.46%	17.67%	12.56%
EBITDA ¹	543.4	607.1	779.4	896.9	1,107	1,514	1,885	2,210
Change	-	11.73%	28.37%	15.08%	23.47%	36.73%	24.47%	17.25%
EBIT ¹	405.4	542.4	765.8	884	1,092	1,469	1,813	2,116
Change	-	33.81%	41.19%	15.43%	23.58%	34.45%	23.41%	16.75%
Interest Paid ¹	-40.09	-68.97	-95.55	-105.6	-133.6	-164	-160	-155.1
Earnings before Tax (EBT) ¹	473.1	471.3	553.6	642	802.6	1,148	1,484	1,803
Change	-	-0.39%	17.47%	15.97%	25.01%	43.03%	29.25%	21.49%
Net income ¹	392.1	373.5	429.4	512.8	651.9	854.8	1,089	1,287
Change	-	-4.73%	14.95%	19.43%	27.13%	31.11%	27.35%	18.24%
Announcement Date	11/10/21	11/9/22	11/8/23	11/6/24	11/5/25	-	-	-

¹USD in Million

Estimates

Fiscal Period: September	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3	2027 Q4	2028 Q1
Net sales ¹	331.4	338.2	334.6	322.4	357.2	349	348.7	344.9	380.3	398.7	389.7	382.1	433.8	447.8	453.8	440	498.7	536.4	515.8	512	621.8	673.7	667.2	659.5	720.1	777.9	772.2	722.6
Change	-	2.06%	-1.07%	-3.65%	10.81%	-2.3%	-0.06%	-1.11%	10.26%	4.84%	-2.25%	-1.97%	13.55%	3.24%	1.33%	-3.05%	13.36%	7.56%	-3.85%	-0.74%	21.45%	8.35%	-0.96%	-1.16%	9.2%	8.03%	-0.74%	-6.43%
EBITDA ¹	136.1	138.7	149.1	150.7	184.6	174.3	146.7	172.4	190.8	213.4	202.8	185.8	233.9	236.5	241	223.7	290.8	308.4	284.5	282.3	383.4	421.5	415	400.9	454.1	503.6	497.2	427.3
Change	-	1.93%	7.47%	1.09%	22.5%	-5.57%	-15.82%	17.47%	10.7%	11.81%	-4.96%	-8.4%	25.93%	1.11%	1.88%	-7.16%	29.97%	6.07%	-7.77%	-0.75%	35.79%	9.94%	-1.55%	-3.39%	13.28%	10.89%	-1.26%	-14.07%
EBIT ¹	101.2	101.6	115.2	115.6	152.1	140.6	134.2	168.4	187.1	210.3	200.1	183.2	230.6	233	237.3	220.2	287.4	304.4	280.5	278.3	375.4	408.6	403.1	396	452.7	498.5	492.3	442.5
Change	-	0.38%	13.39%	0.35%	31.55%	-7.52%	-4.59%	25.51%	11.11%	12.41%	-4.86%	-8.43%	25.85%	1.04%	1.84%	-7.19%	30.51%	5.95%	-7.88%	-0.76%	34.89%	8.83%	-1.34%	-1.75%	14.32%	10.11%	-1.25%	-10.12%
Charge d'intérêts ¹	-9.943	-10.02	-10.49	-12.2	-17.21	-18.72	-20.84	-22.8	-23.9	-24.54	-24.3	-20.77	-26.09	-26.87	-28.52	-29.4	-31.38	-32.9	-39.88	-42.12	-41.01	-41.07	-41.27	-40.62	-40.18	-39.75	-39.75	-41
Earnings before Tax (EBT) ¹	91.82	187.9	105.5	104.8	132.5	120.9	113.1	117.9	137.5	157.8	140.5	130.6	172.7	167.3	171.4	150.1	213	237	202.5	191.9	291.7	337.6	334.5	301	354.6	394.1	409.1	366
Change	-	104.62%	-43.87%	-0.61%	26.39%	-8.75%	-6.44%	4.24%	16.59%	14.78%	-10.98%	-7.03%	32.27%	-3.14%	2.43%	-12.4%	41.89%	11.26%	-14.57%	-5.2%	51.98%	15.74%	-0.93%	-10%	17.81%	11.14%	3.8%	-10.53%
Net income ¹	68.67	151.2	85.72	84.96	104.4	93.5	90.7	97.64	101.6	128.8	101.4	121.1	129.8	126.3	135.7	152.5	162.6	181.8	155	158.4	214.4	241.3	237.8	225.6	267.9	293.6	297.5	267.1
Change	-	120.17%	-43.31%	-0.89%	22.86%	-10.43%	-3%	7.66%	4%	26.79%	-21.23%	19.37%	7.21%	-2.73%	7.47%	12.41%	6.61%	11.79%	-14.73%	2.17%	35.41%	12.53%	-1.44%	-5.14%	18.73%	9.61%	1.33%	-10.23%
Announcement Date	5/5/21	8/3/21	11/10/21	1/27/22	4/27/22	8/3/22	11/9/22	1/26/23	4/27/23	8/2/23	11/8/23	1/25/24	4/25/24	7/31/24	11/6/24	2/4/25	4/29/25	7/30/25	11/5/25	1/28/26	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Fair Isaac Corporation

Fiscal Period: September	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt ¹	1,064	1,720	1,725	2,080	2,922	2,874	2,502	2,011
Change	-	61.65%	0.29%	20.58%	40.48%	-1.63%	-12.94%	-19.62%
Announcement Date	11/10/21	11/9/22	11/8/23	11/6/24	11/5/25	-	-	-

¹USD in Million

Estimates

Cash Flow Forecast: Fair Isaac Corporation

Fiscal Period: September	2023	2024	2025	2026	2027	2028
CAPEX ¹	4.327	25.55	39.41	36.39	42.08	43.41
Change	-	490.5%	54.23%	-7.65%	15.62%	3.16%
Free Cash Flow (FCF) ¹	464.7	607.4	739.4	1,008	1,321	1,536
Change	-	30.72%	21.73%	36.33%	31.07%	16.29%
Announcement Date	11/8/23	11/6/24	11/5/25	-	-	-

¹USD in Million

Estimates

Forecast Financial Ratios: Fair Isaac Corporation

Fiscal Period: September	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	41.27%	44.08%	51.49%	52.22%	55.62%	61.6%	65.16%	67.88%
EBIT Margin (%)	30.79%	39.38%	50.6%	51.47%	54.87%	59.76%	62.67%	65%
EBT Margin (%)	35.94%	34.22%	36.58%	37.38%	40.31%	46.7%	51.3%	55.37%
Net margin (%)	29.78%	27.12%	28.37%	29.86%	32.75%	34.78%	37.64%	39.54%
FCF margin (%)	-	-	30.7%	35.37%	37.14%	41.01%	45.68%	47.2%
FCF / Net Income (%)	-	-	108.22%	118.45%	113.41%	117.93%	121.37%	119.37%
Profitability
ROA	-	-	28.46%	31.14%	36.36%	41.19%	42.51%	38.26%
ROE	-	-	-	-	-	-	-	-
Financial Health
Leverage (Debt/EBITDA)	1.96x	2.83x	2.21x	2.32x	2.64x	1.9x	1.33x	0.91x
Debt / Free cash flow	-	-	3.71x	3.42x	3.95x	2.85x	1.89x	1.31x
Capital Intensity
CAPEX / Current Assets (%)	-	-	0.29%	1.49%	1.98%	1.48%	1.45%	1.33%
CAPEX / EBITDA (%)	-	-	0.56%	2.85%	3.56%	2.4%	2.23%	1.96%
CAPEX / FCF (%)	-	-	0.93%	4.21%	5.33%	3.61%	3.18%	2.83%
Items per share
Cash flow per share ¹	-	-	18.49	25.24	31.71	39.56	47.51	52.35
Change	-	-	-	36.54%	25.64%	24.76%	20.09%	10.19%
Dividend per Share ¹	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Book Value Per Share ¹	-	-	-27.12	-39.47	-71.08	-67.89	-63.26	-50.56
Change	-	-	-	-45.52%	-80.1%	4.48%	6.82%	20.08%
EPS ¹	13.4	14.18	16.93	20.45	26.54	35.32	45.18	52.98
Change	-	5.82%	19.39%	20.79%	29.78%	33.1%	27.9%	17.27%
Nbr of stocks (in thousands)	28,387	25,253	24,857	24,519	24,004	23,722	23,722	23,722
Announcement Date	11/10/21	11/9/22	11/8/23	11/6/24	11/5/25	-	-	-