Fair Isaac Corporation (FICO) Key Metrics
FICO valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $16.66B
- Enterprise value
- $24.35B
- P/E (TTM)
- 22.3 10-yr median 48.9
- Forward P/E
- 16.1
- PEG ratio
- 0.70
- Price / sales
- 7.0 10-yr median 8.4
- Price / book
- 82.3 10-yr median 27.0
- EV / EBITDA
- 19.2 10-yr median 35.1
- Dividend yield
- —
- Beta
- 1.34
FICO key metrics, FY2016–FY2025
Fiscal year ended September 30, 2025 · U.S. dollarsFICO valuation Price multiples at each fiscal year-end price.
FICO returns How much profit the business earns on the capital it uses.
FICO per-share figures Results divided by the shares outstanding at year-end.
FICO financial health Debt, liquidity and how easily interest is covered.
FICO efficiency & capital use Working capital cycle and where the cash goes.
FICO valuation history
FICO returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FICO debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FICO cash returned to shareholders
FICO price vs earnings per share
FICO key metrics
FY2016–FY2025| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $36.76B | $48.74B | $22.03B | $10.86B | $11.64B | $12.73B | $9.19B | $7.13B | $4.53B | $4.03B |
| Enterprise value | $39.70B | $50.83B | $23.80B | $12.63B | $12.78B | $13.48B | $9.91B | $7.80B | $5.03B | $4.52B |
| P/E ratio | 56.4 | 95.0 | 51.3 | 29.1 | 29.7 | 53.9 | 47.9 | 50.0 | 35.3 | 36.8 |
| Price / sales | 18.5 | 28.4 | 14.6 | 7.9 | 8.8 | 9.8 | 7.9 | 6.9 | 4.9 | 4.6 |
| Price / book | — | — | — | — | — | 38.5 | 31.7 | 27.0 | 10.6 | 9.0 |
| Price / free cash flow | 47.7 | 80.2 | 47.4 | 21.6 | 28.0 | 37.1 | 38.9 | 37.2 | 22.0 | 21.4 |
| Price / operating cash flow | 47.2 | 77.0 | 47.0 | 21.3 | 27.5 | 34.9 | 35.3 | 31.9 | 20.1 | 21.7 |
| EV / sales | 19.9 | 29.6 | 15.7 | 9.2 | 9.7 | 10.4 | 8.5 | 7.6 | 5.4 | 5.1 |
| EV / EBITDA | 41.7 | 66.8 | 35.8 | 22.5 | 23.7 | 40.9 | 34.5 | 35.7 | 23.0 | 22.3 |
| EV / free cash flow | 51.6 | 83.7 | 51.2 | 25.1 | 30.7 | 39.3 | 41.9 | 40.7 | 24.4 | 24.0 |
| Earnings yield | 1.8% | 1.1% | 1.9% | 3.4% | 3.4% | 1.9% | 2.1% | 2.0% | 2.8% | 2.7% |
| Free cash flow yield | 2.1% | 1.2% | 2.1% | 4.6% | 3.6% | 2.7% | 2.6% | 2.7% | 4.5% | 4.7% |
| Dividend yield | — | — | 1.8% | — | 0.2% | 4.8% | 2.5% | 0.0% | 0.0% | 0.1% |
| Shareholder yield (dividends + buybacks) | 3.8% | 1.7% | 3.7% | 10.2% | 7.7% | 6.7% | 5.0% | 4.8% | 4.2% | 3.5% |
| Share price at fiscal year-end | $1,496.53 | $1,943.52 | $868.53 | $412.01 | $397.93 | $425.38 | $303.52 | $228.55 | $140.50 | $124.59 |
| Per share | ||||||||||
| Revenue per share | $81.06 | $68.48 | $59.67 | $52.27 | $44.99 | $43.25 | $38.29 | $33.11 | $28.91 | $27.28 |
| Earnings per share | $26.54 | $20.45 | $16.93 | $14.18 | $13.40 | $7.90 | $6.34 | $4.57 | $3.98 | $3.39 |
| Operating cash flow per share | $31.71 | $25.24 | $18.49 | $19.34 | $14.48 | $12.19 | $8.59 | $7.15 | $7.00 | $5.73 |
| Free cash flow per share | $31.35 | $24.22 | $18.32 | $19.11 | $14.23 | $11.46 | $7.80 | $6.15 | $6.38 | $5.83 |
| Cash per share | $5.46 | $6.01 | $5.39 | $5.06 | $6.68 | $5.26 | $3.51 | $2.89 | $3.28 | $2.35 |
| Book value per share | −$71.08 | −$38.39 | −$27.12 | −$30.44 | −$3.79 | $11.06 | $9.57 | $8.46 | $13.23 | $13.83 |
| Tangible book value per share | −$102.97 | −$69.60 | −$57.64 | −$59.40 | −$30.87 | −$16.39 | −$17.43 | −$17.69 | −$12.38 | −$11.92 |
| Dividends per share | — | — | $16.04 | — | $0.71 | $20.48 | $7.56 | $0.00 | $0.04 | $0.08 |
| Capex per share | $0.36 | $1.02 | $0.17 | $0.23 | $0.26 | $0.73 | $0.79 | $1.00 | $0.61 | $0.68 |
| Debt per share | $125.19 | $89.42 | $74.98 | $72.58 | $45.62 | $30.32 | $27.23 | $24.50 | $18.76 | $17.66 |
| Shares outstanding | 24.6M | 25.1M | 25.4M | 26.3M | 29.3M | 29.9M | 30.3M | 31.2M | 32.2M | 32.3M |
| Change in shares outstanding | −2.1% | −1.1% | −3.7% | −10.0% | −2.2% | −1.2% | −2.8% | −3.3% | −0.2% | −0.9% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | — | — | — | — | — | 76.2% | 69.4% | 41.3% | 29.4% | 24.8% |
| Return on invested capital (ROIC) | 64.6% | 53.1% | 48.5% | 42.9% | 39.7% | 26.1% | 23.2% | 14.3% | 16.5% | 13.5% |
| Return on assets (ROA) | 36.4% | 31.1% | 28.5% | 24.8% | 24.7% | 15.6% | 14.3% | 11.3% | 10.4% | 8.9% |
| Return on tangible assets | 60.1% | 54.8% | 53.6% | 55.0% | 50.6% | 30.1% | 31.2% | 32.4% | 29.8% | 28.1% |
| Free cash flow margin | 38.7% | 35.4% | 30.7% | 36.6% | 31.6% | 26.5% | 20.4% | 18.6% | 22.1% | 21.4% |
| Income quality (OCF / net income) | 1.19 | 1.23 | 1.09 | 1.36 | 1.08 | 1.54 | 1.36 | 1.57 | 1.76 | 1.69 |
| Financial health | ||||||||||
| Total debt | $3.07B | $2.24B | $1.90B | $1.91B | $1.33B | $907.6M | $824.8M | $763.9M | $604.8M | $570.6M |
| Cash & short-term investments | $134.1M | $150.7M | $136.8M | $133.2M | $195.4M | $157.4M | $106.4M | $90.0M | $105.6M | $75.9M |
| Net debt | $2.94B | $2.09B | $1.77B | $1.78B | $1.14B | $750.2M | $718.4M | $673.9M | $499.2M | $494.7M |
| Debt / equity | — | — | — | — | — | 2.74 | 2.85 | 2.90 | 1.42 | 1.28 |
| Debt / assets | 1.65 | 1.31 | 1.21 | 1.33 | 0.85 | 0.57 | 0.58 | 0.61 | 0.48 | 0.47 |
| Net debt / EBITDA | 3.09 | 2.75 | 2.66 | 3.17 | 2.11 | 2.28 | 2.50 | 3.09 | 2.29 | 2.44 |
| Current ratio | 0.83 | 1.62 | 1.51 | 1.46 | 0.99 | 1.29 | 0.93 | 0.80 | 0.95 | 1.09 |
| Quick ratio | 0.83 | 1.62 | 1.51 | 1.46 | 0.99 | 1.29 | 0.93 | 0.80 | 0.95 | 1.09 |
| Interest coverage | 6.9 | 6.9 | 6.7 | 7.9 | 12.6 | 7.0 | 6.4 | 5.6 | 7.1 | 6.4 |
| Working capital | −$144.1M | $237.1M | $188.8M | $153.3M | −$8.2M | $119.6M | −$35.1M | −$83.7M | −$15.7M | $21.6M |
| Invested capital | $1.19B | $1.13B | $1.08B | $977.1M | $1.03B | $1.08B | $1.01B | $937.7M | $925.7M | $941.5M |
| Tangible asset value | −$2.53B | −$1.75B | −$1.46B | −$1.57B | −$903.2M | −$490.5M | −$527.9M | −$551.7M | −$399.1M | −$385.2M |
| Net current asset value | −$2.91B | −$2.06B | −$1.71B | −$1.76B | −$1.13B | −$741.1M | −$688.0M | −$652.8M | −$518.2M | −$506.6M |
| Graham number | — | — | — | — | — | $44.34 | $36.94 | $29.48 | $34.41 | $32.47 |
| Graham net-net per share | −$125.52 | −$88.12 | −$72.36 | −$70.94 | −$42.70 | −$28.97 | −$26.88 | −$22.49 | −$18.52 | −$17.72 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | $407.0M | — | $20.9M | $613.0M | $229.0M | $0 | $1.2M | $2.5M |
| Share buybacks (net) | $1.41B | $821.7M | $405.5M | $1.10B | $874.2M | $235.2M | $228.9M | $342.6M | $187.6M | $138.4M |
| Dividend payout ratio | — | — | 94.8% | — | 5.3% | 259.3% | 119.2% | 0.0% | 1.0% | 2.3% |
| Dividends + buybacks / free cash flow | 183.7% | 135.3% | 174.9% | 219.3% | 215.0% | 247.3% | 193.7% | 178.7% | 91.8% | 74.8% |
| Capex / revenue | 0.4% | 1.5% | 0.3% | 0.4% | 0.6% | 1.7% | 2.1% | 3.0% | 2.1% | 2.5% |
| Capex / operating cash flow | 1.1% | 4.0% | 0.9% | 1.2% | 1.8% | 6.0% | 9.2% | 14.0% | 8.8% | 11.9% |
| Capex / depreciation | 0.60 | 1.85 | 0.29 | 0.29 | 0.30 | 0.72 | 0.76 | 1.04 | 0.55 | 0.69 |
| Stock-based compensation / revenue | 7.9% | 8.7% | 8.2% | 8.4% | 8.5% | 7.2% | 7.2% | 7.2% | 6.6% | 6.3% |
| R&D / revenue | 9.5% | 10.0% | 10.6% | 10.7% | 13.0% | 12.9% | 12.9% | 12.4% | 11.9% | 11.8% |
| SG&A / revenue | 25.8% | 26.9% | 26.5% | 27.9% | 29.6% | 32.5% | 35.7% | 36.5% | 36.8% | 37.3% |
| Efficiency | ||||||||||
| Days sales outstanding | 87.6 | 86.6 | 85.7 | 84.1 | 89.6 | 89.0 | 88.8 | 76.9 | 65.9 | 67.6 |
| Days of inventory on hand | — | — | 0.0 | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 | — |
| Days payables outstanding | 28.3 | 21.7 | 21.3 | 23.0 | 24.0 | 23.3 | 23.5 | 23.4 | 27.0 | 29.5 |
| Cash conversion cycle (days) | 59.3 | 64.8 | 64.4 | 61.1 | 65.6 | 65.7 | 65.3 | 53.6 | 38.9 | 38.2 |
| Receivables turnover | 4.17 | 4.22 | 4.26 | 4.34 | 4.07 | 4.10 | 4.11 | 4.74 | 5.54 | 5.40 |
| Payables turnover | 12.91 | 16.79 | 17.15 | 15.89 | 15.19 | 15.65 | 15.53 | 15.63 | 13.52 | 12.39 |
| Inventory turnover | — | — | 311,053,000.00 | 302,174,000.00 | 332,462,000.00 | 361,142,000.00 | — | 310,699,000.00 | 574,246,000.00 | — |
| Asset turnover | 1.11 | 1.04 | 1.00 | 0.92 | 0.83 | 0.85 | 0.86 | 0.82 | 0.75 | 0.72 |
| Average receivables | $477.9M | $407.3M | $355.2M | $317.3M | $323.1M | $315.8M | $282.1M | $217.7M | $168.2M | $163.3M |
| Average payables | $27.4M | $20.7M | $18.1M | $19.0M | $21.9M | $23.1M | $21.7M | $19.9M | $21.2M | $21.4M |
| Average inventory | — | — | $1 | $1 | $1 | $1 | — | $1 | $0 | $0 |
| Intangibles / total assets | 41.9% | 45.6% | 49.1% | 52.9% | 50.5% | 51.2% | 57.0% | 65.0% | 65.8% | 68.1% |
Computed from FICO's annual financial statements (latest annual report filed November 7, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FICO valuation and financial ratios
At the end of fiscal 2025 (September 30, 2025), FICO traded at 56.4 times earnings, against a 10-year median of 48.9. Based on the latest twelve months, the trailing P/E is 22.3 and the forward P/E is 16.1. FICO earned a return on invested capital of 64.6% in fiscal 2025. It ended the year with $3.1 billion of debt and $134.1 million in cash and short-term investments, net debt of $2.9 billion. It returned $1.4 billion to shareholders: $0 in dividends and $1.4 billion in share buybacks, 184% of free cash flow. The share count fell 24.0% from 32.3M to 24.6M over 9 years.
See the FICO income statement, the FICO chart for price history, or the FICO stock overview for the latest quote and news.
FICO key metrics FAQ
What is FICO's P/E ratio?
FICO's trailing P/E ratio is 22.3 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 16.1. At the end of fiscal 2025 it was 56.4, compared with a 10-year median of 48.9.
What is FICO's EV/EBITDA?
FICO's enterprise value was 41.7 times EBITDA at the end of fiscal 2025 (enterprise value $39.7 billion, EBITDA $951.2 million); the current EV/EBITDA is 19.2.
What is FICO's ROIC?
FICO's return on invested capital was 64.6% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does FICO have?
FICO had total debt of $3.1 billion at the end of fiscal 2025 and $2.9 billion of net debt (3.09 times EBITDA).
Does FICO buy back its shares?
Yes. FICO spent $1.4 billion on net share repurchases in fiscal 2025 Shares outstanding changed −2.1% over the year, to 24.6M..
What is FICO's free cash flow yield?
FICO generated $769.9 million of free cash flow in fiscal 2025, a free cash flow yield of 2.1% on its market value at year-end ($36.8 billion).
What is FICO's current ratio?
FICO's current ratio was 0.83 at the end of fiscal 2025: current assets were 0.83 times current liabilities.