Fair Isaac FICO Ratios & Valuation
| Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 84.2%+1.3pp | 82.9%+0.6pp | 82.2%+0.5pp | 81.7%+0.9pp | 80.8%+0.7pp | |
| Operating margin | 50.4%+2.9pp | 47.5%+1.0pp | 46.5%+0.6pp | 45.9%+1.7pp | 44.2%+1.2pp | |
| Net margin | 33.7%+1.8pp | 31.9%-0.9pp | 32.7%0.0pp | 32.8%+1.4pp | 31.4%+0.7pp | |
| Returns | ||||||
| Return on invested capital | 66.4%+2.3pp | 64.1%+0.8pp | 63.3%+4.3pp | 58.9%+6.3pp | 52.6%+1.1pp | |
| Efficiency | ||||||
| Asset turnover | 1.2×0.0× | 1.2×0.0× | 1.1×0.0× | 1.1×0.0× | 1×0.0× | |
| Liquidity | ||||||
| Current ratio | 2.2×+1.3× | 0.9×+0.1× | 0.8×-0.1× | 0.9×-1.2× | 2.1×+0.3× | |
| Leverage | ||||||
| Net debt / EBITDA | 3×-0.1× | 3.1×-0.1× | 3.1×+0.2× | 2.9×0.0× | 2.9×0.0× | |
| Per Share | ||||||
| Book value per share | -$88.50-17.3% | -$75.47-6.2% | -$71.08-25.0% | -$56.86-24.9% | -$45.54+0.7% | |
| Valuation | ||||||
| Market capitalization | $25.32B-36.8% | $40.08B+11.6% | $35.92B-23.4% | $46.89B+4.0% | $45.08B-7.0% | |
| Price / earnings | 33.3×-27.6× | 60.9×+5.8× | 55.1×-19.0× | 74.1×-4.0× | 78.1×-11.0× | |
| Price / sales | 11.2×-8.2× | 19.4×+1.4× | 18×-6.3× | 24.3×-0.2× | 24.5×-2.8× | |
| EV / EBITDA | 25×-18.4× | 43.4×+2.0× | 41.4×-13.7× | 55.1×-2.4× | 57.4×-7.9× |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- What are Fair Isaac's profit margins?
- Fair Isaac (FICO) runs a 84.2% gross margin and a 50.4% operating margin, with a 33.7% net margin.
- Where do Fair Isaac's ratios come from?
- Every ratio is computed from Fair Isaac's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
