Fair Isaac FICO Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Gross margin | 82.2%+2.5pp | 79.7%+0.3pp | 79.4%+1.4pp | 78.1%+3.3pp | |
| Operating margin | 46.5%+3.7pp | 42.7%+0.2pp | 42.5%+3.1pp | 39.4%+1.0pp | |
| Net margin | 32.7%+2.9pp | 29.9%+1.5pp | 28.4%+1.2pp | 27.1%-2.7pp | |
| EBITDA margin | 47.2%+3.7pp | 43.5%+0.1pp | 43.4%+2.6pp | 40.9%+0.5pp | |
| Free cash flow margin | 38.7%+2.3pp | 36.3%+5.6pp | 30.7%-5.9pp | 36.6%+4.9pp | |
| Returns | |||||
| Return on assets | 36.4%+5.2pp | 31.1%+2.7pp | 28.5%+3.6pp | 24.8%+0.1pp | |
| Return on invested capital | 63.3%+12.6pp | 50.7%+4.2pp | 46.4%+4.0pp | 42.5%+3.9pp | |
| Efficiency | |||||
| Asset turnover | 1.1×+0.1× | 1×0.0× | 1×+0.1× | 0.9×+0.1× | |
| Liquidity | |||||
| Current ratio | 0.8×-0.8× | 1.6×+0.1× | 1.5×+0.1× | 1.5×+0.5× | |
| Quick ratio | 0.8×-0.8× | 1.6×+0.1× | 1.5×+0.1× | 1.5×+0.5× | |
| Cash ratio | 0.2×-0.2× | 0.4×+0.1× | 0.3×0.0× | 0.3×0.0× | |
| Leverage | |||||
| Debt-to-assets | 1.7×+0.3× | 1.3×+0.1× | 1.2×-0.1× | 1.3×+0.5× | |
| Net debt / EBITDA | 3.1×+0.3× | 2.8×0.0× | 2.8×-0.4× | 3.2×+1.0× | |
| Interest coverage | 6.9×0.0× | 6.9×+0.2× | 6.7×-1.1× | 7.9×-4.7× | |
| Per Share | |||||
| Book value per share | -$71.08-85.2% | -$38.39-41.5% | -$27.12+10.9% | -$30.44-703% | |
| Valuation | |||||
| Market capitalization | $35.92B-25.0% | $47.9B+122% | $21.56B+109% | $10.32B-4.5% | |
| Enterprise value | $38.88B-22.3% | $50.03B+114% | $23.4B+93.1% | $12.12B+1.4% | |
| Price / earnings | 55.1×-38.3× | 93.4×+43.2× | 50.2×+22.6× | 27.6×+0.1× | |
| Price / sales | 18×-9.8× | 27.9×+13.6× | 14.2×+6.8× | 7.5×-0.7× | |
| EV / EBITDA | 41.4×-25.6× | 66.9×+31.3× | 35.6×+14.1× | 21.5×-1.0× | |
| EV / sales | 19.5×-9.6× | 29.1×+13.7× | 15.5×+6.7× | 8.8×-0.3× | |
| Free cash flow yield | 2.1%+0.8pp | 1.3%-0.9pp | 2.2%-2.7pp | 4.9%+1.0pp | |
| Earnings yield | 1.8%+0.7pp | 1.1%-0.9pp | 2%-1.6pp | 3.6%0.0pp | |
| PEG ratio | 2×-2.8× | 4.8×+1.4× | 3.4×— | —— |
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.
