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Last update at 2026-03-10T20:25:00Z
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Some buy now, pay later lenders are holding back customer payment data from credit bureaus
Thu 07 Aug 25, 11:00 AMFraud Detection and Prevention Market worth $65.68 billion by 2030 | MarketsandMarkets™
Mon 28 Jul 25, 02:15 PMNew credit scoring model for mortgages could help more people buy homes
Wed 09 Jul 25, 12:54 PMCredit Score Stocks Slide as FHFA Head Questions Pricing
Wed 21 May 25, 07:22 PMEntercard Adopts FICO Platform to Fight Application Fraud
Tue 13 May 25, 08:00 AMBeat the Market the Zacks Way: Limbach, Stride, Cencora in Focus
Mon 12 May 25, 12:01 PMFICO Partner Awards Demonstrate Power of Advanced Analytics Solutions
Fri 09 May 25, 12:30 PMFICO Announces Pricing of $1.5 Billion in Senior Notes
Thu 08 May 25, 08:45 PMFICO Announces Proposed Offering of $1.5 Billion in Senior Notes
Thu 08 May 25, 12:45 PM| Breakdown | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
| Income before tax | 553.62M | 471.31M | 473.14M | 257.00M | 216.07M |
| Minority interest | - | - | - | - | - |
| Net income | 429.38M | 373.54M | 392.08M | 236.41M | 192.12M |
| Selling general administrative | 400.56M | 383.86M | 396.28M | 420.93M | 414.09M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | 1202.50M | 1075.10M | 984.07M | 933.42M | 823.24M |
| Reconciled depreciation | 14.64M | 20.46M | 25.59M | 30.37M | 31.61M |
| Ebit | 638.95M | 542.41M | 321.12M | 295.97M | 253.55M |
| Ebitda | 653.59M | 562.88M | 346.72M | 416.39M | 285.16M |
| Depreciation and amortization | 14.64M | 20.46M | 25.59M | 120.42M | 31.61M |
| Non operating income net other | - | -2.13800M | 7.75M | 3.21M | 2.28M |
| Operating income | 642.83M | 542.41M | 321.12M | 295.97M | 253.55M |
| Other operating expenses | 872.67M | 834.86M | 903.23M | 953.56M | 906.53M |
| Interest expense | 95.55M | 68.97M | 40.09M | 42.18M | 39.75M |
| Tax provision | 124.25M | 97.77M | 81.06M | 20.59M | 23.95M |
| Interest income | - | - | - | - | 39.75M |
| Net interest income | -95.54600M | -68.96700M | -40.09200M | -42.17700M | -39.75200M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | 7.96M | 45.03M | - |
| Other items | - | - | - | - | - |
| Income tax expense | 124.25M | 97.77M | 81.06M | 20.59M | 23.95M |
| Total revenue | 1513.56M | 1377.27M | 1316.54M | 1294.56M | 1160.08M |
| Total operating expenses | 561.62M | 532.68M | 570.77M | 592.42M | 569.69M |
| Cost of revenue | 311.05M | 302.17M | 332.46M | 361.14M | 336.85M |
| Total other income expense net | -87.26500M | -71.10500M | 152.02M | -38.96900M | -37.47600M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 429.38M | 373.54M | 392.08M | 236.41M | 192.12M |
| Net income applicable to common shares | - | 373.54M | 392.08M | 236.41M | 192.12M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
| Total assets | 1575.28M | 1442.03M | 1567.78M | 1606.24M | 1433.45M |
| Intangible assets | 0.92M | 2.02M | 4.10M | 9.24M | 14.14M |
| Earning assets | - | - | - | - | - |
| Other current assets | 31.72M | 29.10M | 43.51M | 42.50M | 51.85M |
| Total liab | 2263.27M | 2243.98M | 1678.72M | 1275.16M | 1143.68M |
| Total stockholder equity | -687.99000M | -801.94700M | -110.94200M | 331.08M | 289.77M |
| Deferred long term liab | - | 53.00M | 44.93M | 38.58M | 33.70M |
| Other current liab | 161.95M | 97.89M | 103.51M | 117.95M | 106.24M |
| Common stock | 0.25M | 0.25M | 0.28M | 0.29M | 0.29M |
| Capital stock | 0.25M | 0.25M | 0.28M | 0.29M | 0.29M |
| Retained earnings | 3388.06M | 2958.68M | 2585.14M | 2193.06M | 1956.65M |
| Other liab | - | 49.66M | 56.82M | 44.93M | 42.20M |
| Good will | 773.33M | 761.07M | 788.18M | 812.36M | 803.54M |
| Other assets | - | 114.32M | 116.13M | 178.63M | 105.39M |
| Cash | 136.78M | 133.20M | 195.35M | 157.39M | 106.43M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 367.69M | 331.46M | 559.21M | 414.51M | 490.83M |
| Current deferred revenue | 136.73M | 120.05M | 105.42M | 115.16M | 111.02M |
| Net debt | 1748.78M | 1759.66M | 1117.33M | 750.25M | 718.36M |
| Short term debt | 50.00M | 30.00M | 250.00M | 95.00M | 218.00M |
| Short long term debt | 50.00M | 30.00M | 250.00M | 95.00M | 218.00M |
| Short long term debt total | 1885.56M | 1892.86M | 1312.69M | 907.64M | 824.79M |
| Other stockholder equity | -3974.15200M | -3636.18100M | -2620.50700M | -1779.27300M | -1577.08500M |
| Property plant equipment | - | 17.58M | 75.19M | 46.42M | 53.03M |
| Total current assets | 556.45M | 484.71M | 550.97M | 534.08M | 455.71M |
| Long term investments | 34.24M | 25.65M | 33.20M | 26.57M | 21.86M |
| Net tangible assets | - | -1565.03100M | -903.22600M | -490.51800M | -527.91400M |
| Short term investments | -33.01400M | - | - | 25.51M | - |
| Net receivables | 387.95M | 322.41M | 312.11M | 334.18M | 297.43M |
| Long term debt | 1811.66M | 1823.67M | 1009.02M | 739.43M | 606.79M |
| Inventory | - | - | - | - | - |
| Accounts payable | 19.01M | 83.52M | 100.28M | 86.40M | 55.57M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -102.14500M | -124.70200M | -75.85400M | -82.99500M | -90.08500M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 0.25M | 0.28M | 0.29M | 0.29M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | 2958.68M | 2585.14M | 2193.06M | 1956.65M |
| Treasury stock | - | -4935.76900M | -3857.85500M | -2997.85600M | -2802.45000M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 114.55M | 102.51M | 95.58M | 105.28M | 79.16M |
| Deferred long term asset charges | - | - | - | - | 6.01M |
| Non current assets total | 1018.83M | 957.32M | 1016.80M | 1072.16M | 977.74M |
| Capital lease obligations | 23.90M | 58.56M | 53.67M | 73.21M | - |
| Long term debt total | - | 1823.67M | 1009.02M | 739.43M | 606.79M |
| Breakdown | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-09-30 | 2022-09-30 | 2021-09-30 | 2020-09-30 | 2019-09-30 |
| Investments | -15.95400M | -1.90000M | -1.80200M | -2.64900M | -2.92400M |
| Change to liabilities | - | -11.72200M | 2.13M | 19.54M | 36.22M |
| Total cashflows from investing activities | - | -5.67100M | 137.85M | -24.58300M | -42.76000M |
| Net borrowings | - | 591.93M | 422.82M | 8.16M | 60.00M |
| Total cash from financing activities | -455.00100M | -547.16500M | -523.57100M | -289.42400M | -200.04700M |
| Change to operating activities | - | -25.09900M | -39.36800M | 11.80M | -31.66400M |
| Net income | 429.38M | 373.54M | 392.08M | 236.41M | 192.12M |
| Change in cash | 3.58M | -62.15200M | 37.96M | 50.97M | 16.40M |
| Begin period cash flow | 133.20M | 195.35M | 157.39M | 106.43M | 90.02M |
| End period cash flow | 136.78M | 133.20M | 195.35M | 157.39M | 106.43M |
| Total cash from operating activities | 468.92M | 509.45M | 423.82M | 364.92M | 260.35M |
| Issuance of capital stock | - | - | - | 42.26M | 22.79M |
| Depreciation | 14.64M | 20.46M | 25.59M | 30.37M | 31.61M |
| Other cashflows from investing activities | - | 2.26M | -2.01200M | 0.06M | -15.85500M |
| Dividends paid | -407.00000M | - | -20.88100M | -613.00000M | 229.00M |
| Change to inventory | -18.96100M | -21.46200M | -26.22400M | -0.26700M | -54.04400M |
| Change to account receivables | -70.11700M | -31.55700M | 24.50M | -59.88900M | -36.17600M |
| Sale purchase of stock | -405.52600M | -1104.18000M | -874.17900M | -235.22300M | -228.89400M |
| Other cashflows from financing activities | 737.33M | 1529.24M | 609.61M | 1114.54M | 404.06M |
| Change to netincome | - | 135.43M | 18.88M | 91.42M | 92.08M |
| Capital expenditures | 4.24M | 6.03M | 7.57M | 21.99M | 23.98M |
| Change receivables | - | -31.55700M | 24.50M | -59.88900M | -36.17600M |
| Cash flows other operating | - | 23.29M | 10.38M | 27.06M | -55.50700M |
| Exchange rate changes | - | - | -0.13600M | 0.06M | -1.14000M |
| Cash and cash equivalents changes | - | -43.38600M | 37.96M | 50.97M | 16.40M |
| Change in working capital | -63.44800M | -35.91100M | -12.74000M | -41.30800M | -55.46600M |
| Stock based compensation | 123.85M | 115.36M | 112.46M | 93.68M | 82.97M |
| Other non cash items | 11.88M | 28.18M | -87.62100M | 54.40M | 1.41M |
| Free cash flow | 464.68M | 503.42M | 416.25M | 342.93M | 236.37M |
Sector: Technology Industry: Software - Application
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | Enterprise Value to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| FICO Fair Isaac Corporation |
-156.05 10.83% | 1285.15 | 68.01 | 46.51 | 18.76 | 82.33 | 19.92 | 45.43 |
| CRM Salesforce.com Inc |
-3.88 1.95% | 194.91 | 100.89 | 27.47 | 7.42 | 4.34 | 7.44 | 26.81 |
| SAPGF SAP SE |
-10.99 5.36% | 194.00 | 76.28 | 22.88 | 5.61 | 3.84 | 5.59 | 26.18 |
| SAP SAP SE ADR |
-4.27 2.13% | 195.83 | 75.80 | 22.37 | 5.62 | 3.75 | 5.51 | 25.79 |
| INTU Intuit Inc |
-19.72 4.16% | 453.95 | 55.56 | 32.68 | 11.28 | 10.07 | 11.62 | 40.11 |
Fair Isaac Corporation develops analytic, software, and digital decisioning technologies and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates in two segments, Scores and Software. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, financial crimes compliance, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. It offers FICO Customer Analytics, FICO Responsible AI, FICO Advisors, FICO Business Outcome Simulator, FICO Forecaster, FICO TRIAD Customer Manager, FICO Blaze Advisor, FICO Xpress Optimization, FICO Falcon Fraud Manager, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Decision Optimizer, and FICO Strategy Director, as well as software implementation and configuration services. The company markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
5 West Mendenhall, Bozeman, MT, United States, 59715
| Name | Title | Year Born |
|---|---|---|
| Mr. William J. Lansing | Pres, CEO & Director | 1958 |
| Mr. Michael I. McLaughlin | Exec. VP & CFO | 1965 |
| Mr. James M. Wehmann | Exec. VP of Scores | 1965 |
| Ms. Stephanie Covert | Exec. VP for Software | 1980 |
| Mr. Michael S. Leonard | VP & Chief Accounting Officer | 1965 |
| Mr. Amir Hermelin | VP & CTO | NA |
| Mr. Steven P. Weber | VP of Investor Relations & Treasurer | NA |
| Mr. Mark Russell Scadina | Exec. VP, Gen. Counsel & Corp. Sec. | 1969 |
| Mr. Don Peterson | VP of Global Sales & Client Success | 1962 |
| Mr. Richard Shawn Deal | Exec. VP & Chief HR Officer | 1967 |
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