# FAIR ISAAC CORP (FICO) · Edgar & Edgarette company card

> Fair Isaac (FICO) grew revenue 15.9% in FY2025 to $2.0 billion, operating margin 46.5% against a 7.9% median for business services, equity -93.5% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 814547 · fiscal year ended 2025-09-30 · 5 audited years read · [page](https://www.pops4.com/boards/company/FICO) · [JSON](https://www.pops4.com/boards/company/FICO.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $2.0B |
| Revenue growth, 1 year | 15.9% |
| Revenue growth per year | 10.9% |
| Operating margin | 46.5% (prior year 42.7%) |
| Net margin | 32.7% |
| Operating cash flow | $779M |
| Capital spending | $9M |
| Free cash flow | $770M |
| Cash | $134M |
| Long-term debt | $3.1B |
| Total assets | $1.9B |
| Total equity | −$1.7B |
| Equity ÷ assets | -93.5% |
| Return on equity | — |
| Dividend per share | $0.08 |
| Dividend years rising | 0 |

## Readings, computed from those figures

- Altman Z: 10.26 (safe zone)
- Piotroski F: 7 of 9 (solid)
- Beneish M: -2.65 (below the −1.78 line)
- Health Harbor boat: Weathered boat · two warning signs · filed restructuring or exit costs in the last 12 months; liabilities exceed assets (often from years of share buybacks, not always distress)
- Cash Compass: Cash cow later · growing fast, and already turning revenue into cash

## Edgarette's reading

Exposure: revenue $2.0B (FY2025), total debt $3.1B. Experience: revenue up 15.9% on the year, up 10.9% a year over 4 years; operating margin 46.5%, up from 42.7%. Soundness: equity -93.5% of assets (liabilities exceed assets). Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $2.0B and $2.5B next year (method v4.1: its own 4-year record of growth weighed at 50% against $1B–10B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $1.9B to $2.6B. A statistical range, not company guidance. Against peers (70 filers, $50M+ revenue, services-business services, nec): operating margin 46.5% against a 7.9% median; growth 15.9% against 10.2%.

Range logged 2026-10-07, receipt b1f66b7d76ae80ac, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 2.05 Restructuring or exit costs: 1, latest 2026-10-06 ([filing](https://www.sec.gov/Archives/edgar/data/814547/000119312526415732/0001193125-26-415732-index.htm))

## Recent filings

- 8-K · filed 2026-10-06 · 2.05 Costs Associated with Exit or Disposal Activities · [filing](https://www.sec.gov/Archives/edgar/data/814547/000119312526415732/0001193125-26-415732-index.htm)
- 10-Q · filed 2026-07-29 · [filing](https://www.sec.gov/Archives/edgar/data/814547/000081454726000030/0000814547-26-000030-index.htm)
- 8-K · filed 2026-07-29 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/814547/000081454726000031/0000814547-26-000031-index.htm)
- 8-K · filed 2026-06-08 · 1.01 Entry into a Material Definitive Agreement; 2.03 Creation of a Direct Financial Obligation; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/814547/000119312526260817/0001193125-26-260817-index.htm)
- 10-Q · filed 2026-04-28 · [filing](https://www.sec.gov/Archives/edgar/data/814547/000081454726000021/0000814547-26-000021-index.htm)
- 8-K · filed 2026-04-28 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/814547/000081454726000020/0000814547-26-000020-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0000814547.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=814547

## Cite

POPS4, Edgar & Edgarette: FAIR ISAAC CORP (FICO) company card, from the company's own SEC filings, accessed 2026-11-02, https://www.pops4.com/boards/company/FICO. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.