Fair Isaac Corp. (FICO)

Name: Fair Isaac Corp. (FICO): results, filings decoded, planned insider sales, 13F holders, insiders, Congress and short interest
Creator: GreekSoup
License: https://creativecommons.org/licenses/by/4.0/

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Fair Isaac Corp. (FICO) reported revenue of $674 million for Q3 FY2026, the quarter ended 30 June 2026, up 25.7% on the same quarter a year earlier. Net income was $237 million, up 30.5% on the year, and diluted earnings per share $10.45. The figures are the company's own, from the 10-Q it filed with the SEC on 29 July 2026.

Revenue$674 millionup 25.7%

Net income$237 millionup 30.5%

Diluted EPS$10.45

QuarterQ3 FY2026ended 30 June 2026

Ratios

From the filings

ROEn/a

ROCEn/a

Operating margin51.7%

Net margin34.1%

FCF margin41.6%

Interest cover6.63

Debt to equityn/a

Cash conversion1.23

Share count, 1 year-10.4%

Sales CAGR, 3 years13.1%

Profit CAGR, 3 years20.4%

EPS, TTM$34.61

At the close of 21 September 2026

Price$924.52

Market cap$20.0 billion

Stock P/E26.71

Price to bookn/a

EV / EBITDA20.20

Dividend yieldn/a

Market cap / sales8.34

52-week high$1,879.55

52-week low$922.37

Price, 1 year-37.4%

Price CAGR, 3 years1.3%

Price CAGR, 5 years17.2%

Every figure is arithmetic on the filed lines (hover a name for the formula); the priced ones use the latest daily close, CBOE delayed quotes, daily history, by CBOE, for splits. Debt to equity here stands on long-term debt as Fair Isaac Corp. files it, with lease liabilities counted separately and never inside it. Nothing here is a valuation or a view.

Price, 17 September 2021 to 21 September 2026

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50-day average 200-day average Volume

Daily closes from CBOE delayed quotes, daily history, by CBOE, for splits; the last is 21 September 2026. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on FICO

Filings	16 in twelve months: 9 current reports (8-K), about 4 results of operations; 3 other events; 2 material agreement; 2 new financial obligation; 1 charter or bylaw amendment, or fiscal year change
Planned insider sales	6 Form 144 notices in twelve months, $10.9 million; latest 29 July 2026
Options tape	put/call 0.88 by open interest on 23 September 2026; the straddle prices a 9.8% move to 16 October 2026
Holders	10 of the followed funds hold it; largest Capital Research Global Investors; 6 Schedule 13D or 13G filings in twelve months
Insider trading	56 sales and 0 purchases on Form 4 in twelve months
Congress	2 House trades disclosed in six months
Short interest	1.8 million shares short, 7.67 days to cover at 31 August 2026
Documents	the 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 12 quarters

	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026	Q3 FY2026
Revenue	390	382	434	448	454	440	499	536	516	512	692	674
Cost of revenue	82.8	83.5	86.9	88.2	89.6	87.3	87.6	87.6	91.2	87.3	91.2	87.0
Gross profit	307	299	347	360	364	353	411	449	425	425	600	587
Gross margin	79%	78%	80%	80%	80%	80%	82%	84%	82%	83%	87%	87%
R&D	41.6	42.6	40.9	44.2	44.2	45.1	45.0	47.2	51.0	49.9	53.9	53.7
SG&A	99.3	104	111	125	123	128	120	139	126	141	144	171
Operating income	166	151	195	190	197	180	246	263	237	234	402	363
Operating margin	43%	40%	45%	42%	43%	41%	49%	49%	46%	46%	58%	54%
Interest expense	24.3	24.2	26.1	26.9	28.5	29.5	31.4	32.9	39.9	42.0	44.6	59.9
Pre-tax income	140	131	173	167	171	150	213	237	202	192	356	315
Tax rate	28%	7%	25%	25%	21%	-2%	24%	23%	23%	17%	26%	25%
Net income	101	121	130	126	136	153	163	182	155	158	264	237
Net margin	26%	32%	30%	28%	30%	35%	33%	34%	30%	31%	38%	35%
Diluted EPS	$4.01	$4.80	$5.16	$5.05	$5.44	$6.14	$6.59	$7.40	$6.41	$6.61	$11.14	$10.45
Operating cash flow	164	122	71.0	213	226	194	74.9	286	224	174	223	380
Capital expenditure	1.1	1.4	4.0	1.7	1.8	0.8	2.1	1.8	4.2	0.2	0.3	0.9
Free cash flow	163	121	67.0	212	225	193	72.8	284	219	174	223	380
Buybacks	120	71.7	172	255	324	163	217	487	548	171	605	2,269
Shares outstanding	25m	25m	25m	25m	24m	24m	24m	24m	24m	24m	23m	22m
Filing	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Profit and loss, 12 fiscal years and the trailing twelve months

	FY2014	FY2015	FY2016 †	FY2017 †	FY2018 †	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024 †	FY2025	TTM
Revenue	789	839	881	932	1,032	1,160	1,295	1,317	1,377	1,514	1,718	1,991	2,394
Cost of revenue	249	271	265	287	313	337	361	332	302	311	348	354	357
Gross profit	540	568	616	645	722	823	933	984	1,075	1,203	1,369	1,637	2,037
Gross margin	68.4%	67.7%	69.9%	69.2%	69.9%	71.0%	72.1%	74.7%	78.1%	79.4%	79.7%	82.2%	85.1%
Research and development	83.4	98.8	104	111	128	149	166	171	147	160	172	188	208
Selling, general and administrative	278	300	329	337	377	414	421	396	384	401	463	513	581
Operating income	162	138	170	182	175	254	296	505	542	643	734	925	1,236
Operating margin	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%
Interest expense	28.6	29.1	26.6	25.8	31.3	39.8	42.2	40.1	69.0	95.5	106	134	186
Pre-tax income	133	109	145	156	157	216	257	473	471	554	642	803	1,065
Income tax	38.3	22.7	35.1	22.9	30.4	23.9	20.6	81.1	97.8	124	129	151	250
Effective tax rate	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%
Net income	94.9	86.5	109	133	126	192	236	392	374	429	513	652	815
Net margin	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%
Diluted EPS	$2.72	$2.65	$3.39	$3.98	$4.57	$6.34	$7.90	$13.40	$14.18	$16.93	$20.45	$26.54	$34.61
Filing	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K

Income statement lines from each year's 10-K, the year linked to its filing; TTM is the sum of the last four quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Cash flow and capital returned

	FY2014	FY2015	FY2016 †	FY2017 †	FY2018 †	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024 †	FY2025	TTM
Operating cash flow	n/a	n/a	n/a	226	223	260	365	424	509	469	633	779	1,002
Capital expenditure	12.6	25.0	22.0	19.8	31.3	24.0	22.0	7.6	6.0	4.2	8.9	8.9	5.5
Free cash flow	n/a	n/a	n/a	206	192	236	343	416	503	465	624	770	996
Free cash flow margin	n/a	n/a	n/a	22.1%	18.6%	20.4%	26.5%	31.6%	36.6%	30.7%	36.3%	38.7%	41.6%
Depreciation and amortisation	32.6	33.9	31.6	36.2	30.2	31.6	30.4	25.6	20.5	14.6	13.8	15.0	16.1
Share-based compensation	36.4	45.3	55.5	61.2	74.8	83.0	93.7	112	115	124	149	157	174
Buybacks	217	131	138	188	343	229	235	874	1,104	406	822	1,415	3,594
Dividends paid	2.7	2.5	2.5	1.2	0.0	0.0	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Diluted shares, weighted	35m	33m	32m	32m	31m	30m	30m	29m	26m	25m	25m	25m	23m
Shares outstanding at period end	32m	31m	31m	30m	29m	29m	29m	28m	25m	25m	24m	24m	22m
Filing	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K

Buybacks and dividends are the cash paid in the year, from the cash flow statement; the dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

	FY2014	FY2015	FY2016 †	FY2017 †	FY2018 †	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024 †	FY2025	TTM
Total assets	1,192	1,230	1,221	1,256	1,330	1,433	1,606	1,568	1,442	1,575	1,718	1,868	2,037
Cash and equivalents	105	86.1	75.9	106	90.0	106	157	195	133	137	151	134	248
Receivables	155	159	168	169	267	297	334	312	322	388	427	529	593
Goodwill	780	815	798	804	801	804	812	788	761	773	783	783	792
Total debt, as filed	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	1,862	2,209	n/a	n/a
Long-term debt	447	376	316	244	513	485	750	750	1,824	1,812	2,209	3,056	5,582
Borrowings, as the company tags them	376	516	n/a	n/a	n/a	n/a	n/a	n/a	539	n/a	n/a	n/a	n/a
Operating lease liabilities	n/a	n/a	n/a	n/a	n/a	n/a	73.2	53.7	39.2	23.9	22.0	19.2	15.6
Finance lease liabilities	n/a	n/a	n/a	n/a	n/a	n/a	3.1	0.0	n/a	0.0	7.3	3.9	n/a
Shareholders' equity	455	437	481	466	287	290	331	-111	-802	-688	-963	-1,746	-4,097
Filing	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K

At the fiscal year end; the TTM column is the latest quarter end. A line the company does not tag under the usual name is left out.

Compounded growth

	10 years	5 years	3 years	TTM
Sales growth, compounded	9.0%	9.0%	13.1%	24.1%
Profit growth, compounded	22.4%	22.5%	20.4%	28.8%
Return on equity, average	n/a	n/a	n/a	n/a

Compounded growth is the latest fiscal year over the year that many years earlier, annualised; the TTM column is the last four quarters over the four before. Return on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Peers: Services-Business Services, Nec

Company	Market cap	P/E	ROE	Op. margin	Sales growth TTM	Debt to equity	Div. yield
Mastercard Inc. MA	$501.2 billion	31.22	289.7%	58.3%	16.0%	4.39	0.6%
Uber Technologies, Inc. UBER	$144.5 billion	15.50	35.1%	12.1%	16.7%	0.47	0.0%
Accenture plc ACN	$114.6 billion	14.87	24.4%	14.5%	6.7%	0.16	3.2%
DoorDash, Inc. DASH	$85.2 billion	100.95	8.5%	4.5%	33.6%	n/a	n/a
Ebay Inc. EBAY	$48.2 billion	22.47	47.6%	20.5%	14.7%	1.10	n/a
PayPal Holdings, Inc. PYPL	$46.9 billion	9.87	25.3%	17.9%	5.8%	0.54	0.3%
MSCI Inc. MSCI	$40.6 billion	30.58	n/a	55.7%	11.6%	n/a	1.4%
Corpay, Inc. CPAY	$26.1 billion	24.19	32.2%	43.7%	20.4%	3.00	n/a
Fiserv Inc. FISV	$24.7 billion	8.92	10.4%	22.3%	-1.2%	0.99	n/a
Global Payments Inc. GPN	$22.7 billion	n/a	n/a	n/a	n/a	0.97	1.2%
Fair Isaac Corp. FICO	$20.0 billion	26.71	n/a	51.7%	24.1%	n/a	n/a
Broadridge Financial Solutions, Inc. BR	$18.8 billion	17.15	39.6%	17.4%	8.5%	1.15	2.4%
Fidelity National Information Services, Inc. FIS	$18.1 billion	5.41	21.0%	15.7%	18.3%	1.06	4.5%
Akamai Technologies Inc. AKAM	$16.9 billion	42.39	8.7%	10.5%	5.9%	n/a	n/a
Costar Group, Inc. CSGP	$11.8 billion	145.20	0.9%	7.6%	22.0%	0.13	n/a
Visa Inc. V	n/a	n/a	62.4%	61.1%	14.4%	0.67	0.2%

The names on this site in the same industry (the SEC's SIC description), by market capitalisation. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close.

Filings

Filing	Period	Filed	Where
10-Q	30 June 2026	29 July 2026	EDGAR
10-Q	31 March 2026	28 April 2026	EDGAR
10-Q	31 December 2025	28 January 2026	EDGAR
10-K	30 September 2025	7 November 2025	EDGAR
10-Q	30 June 2025	30 July 2025	EDGAR
10-Q	31 March 2025	29 April 2025	EDGAR
10-Q	31 December 2024	4 February 2025	EDGAR
10-K	30 September 2024	6 November 2024	EDGAR
10-Q	30 June 2024	31 July 2024	EDGAR
10-Q	31 March 2024	25 April 2024	EDGAR

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