Fair Isaac (FICO): financials, SEC filings and peers

Fair Isaac (FICO) is an application software company in the Information Technology sector of the S&P 500, headquartered in Bozeman, Montana.

It was founded in 1956 and joined the S&P 500 on March 20, 2023.

Its fiscal year ends in September, and its shares trade on the NYSE.

In its SEC filings it is classified as “Services-Business Services, NEC”.

Fair Isaac at a glance

Revenue (12 months): $2.4B
Revenue growth: +24.1%
Operating margin: 51.7%
Net income (12 months): $815M
Free cash flow (12 months): $996M
Cash: $248M
Debt: $5.6B
Diluted EPS (12 months): $34.62

Twelve months to June 30, 2026, from the 10-Q filed July 29, 2026.

Latest twelve months

Over the twelve months to June 30, 2026, Fair Isaac reported revenue of $2.4 billion, up 24.1% from a year earlier.

Its operating margin was 51.7%, up 5.8 percentage points from a year earlier: for every $100 of sales, about $52 was left as operating profit.

Net income was $815 million (34.1% of revenue), 28.8% higher than a year earlier.

Operating cash flow was $1.0 billion and capital spending $6 million, leaving free cash flow of $996 million (41.6% of revenue).

At the end of the period it held $248 million in cash and $5.6 billion in debt, a net debt position of $5.3 billion.

The diluted share count fell 7.6% in a year, typically the result of buybacks.

Five-year trend

Revenue went from $1.3 billion in fiscal 2020 to $2.0 billion in fiscal 2025, about 9.0% a year.
Revenue has grown for 5 fiscal years in a row.
Operating margin widened from 22.9% to 46.5% over the same years.
Free cash flow was positive in each of the last 6 fiscal years.

Fiscal year	2021	2022	2023	2024	2025
Revenue	$1.3B	$1.4B	$1.5B	$1.7B	$2.0B
Revenue growth	1.7%	4.6%	9.9%	13.5%	15.9%
Operating margin	38.4%	39.4%	42.5%	42.7%	46.5%
Net income	$392M	$374M	$429M	$513M	$652M
Free cash flow	$416M	$503M	$465M	$624M	$770M
Diluted EPS	$13.40	$14.18	$16.93	$20.45	$26.54

Fiscal years as reported in Fair Isaac’s 10-K filings. Free cash flow is operating cash flow minus capital spending.

Recent SEC filings

10-Q filed July 29, 2026 — quarterly report
8-K filed July 29, 2026 — Earnings results
8-K filed June 8, 2026 — Material agreement; New debt obligation
10-Q filed April 28, 2026 — quarterly report
8-K filed April 28, 2026 — Earnings results
8-K filed March 20, 2026 — Material agreement; New debt obligation
8-K filed March 11, 2026 — Other event
8-K filed March 11, 2026 — Other event

All Fair Isaac filings on SEC EDGAR

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Questions about Fair Isaac

Is Fair Isaac's revenue growing?

Yes. Revenue for the twelve months to June 30, 2026 was $2.4 billion, up 24.1% from a year earlier, according to its SEC filings.

Is Fair Isaac profitable?

Yes. It earned $815 million in net income over the twelve months to June 30, 2026, a net margin of 34.1%.

Does Fair Isaac have more cash or more debt?

At June 30, 2026 it had $248 million in cash and $5.6 billion in debt, so more debt than cash.

When did Fair Isaac last file financial results?

Its latest quarterly report (10-Q) was filed with the SEC on July 29, 2026.

Which companies are similar to Fair Isaac?

In the S&P 500, Fair Isaac is grouped in Application Software within the Information Technology sector. Adobe Inc. (ADBE), Autodesk (ADSK), Cadence Design Systems (CDNS), Salesforce (CRM), Datadog (DDOG) are in the same group.

Understand the numbers

Source: Fair Isaac’s filings with the U.S. Securities and Exchange Commission (EDGAR), retrieved September 27, 2026. Figures are as reported by the company and may be restated. This page is for information only and is not financial advice.