Financials Fair Isaac Corporation

Equities

FICO

US3032501047

Software

Market Closed - Nyse Other stock markets 02:30:02 07/03/2026 am IST			5-day change	1st Jan Change
1,476.00 ^USD	+0.06%		+4.73%	-12.69%

02/03	FICO Partners with Banzai to Bring Credit Education to Millions of Students Nationwide	CI
26/02	Fair Isaac Approves $1.5 Billion Share Repurchase Program	MT

Projected Income Statement: Fair Isaac Corporation

Fiscal Period: September	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	1,317	1,377	1,514	1,718	1,991	2,482	2,915	3,283
Change	-	4.61%	9.9%	13.48%	15.91%	24.68%	17.43%	12.64%
EBITDA ¹	543.4	607.1	779.4	896.9	1,107	1,523	1,872	2,204
Change	-	11.73%	28.37%	15.08%	23.47%	37.54%	22.88%	17.76%
EBIT ¹	405.4	542.4	765.8	884	1,092	1,482	1,808	2,107
Change	-	33.81%	41.19%	15.43%	23.58%	35.68%	21.98%	16.55%
Interest Paid ¹	-40.09	-68.97	-95.55	-105.6	-133.6	-164	-159.2	-153.7
Earnings before Tax (EBT) ¹	473.1	471.3	553.6	642	802.6	1,174	1,479	1,794
Change	-	-0.39%	17.47%	15.97%	25.01%	46.29%	25.97%	21.32%
Net income ¹	392.1	373.5	429.4	512.8	651.9	858	1,091	1,294
Change	-	-4.73%	14.95%	19.43%	27.13%	31.61%	27.11%	18.69%
Announcement Date	10/11/21	09/11/22	08/11/23	06/11/24	05/11/25	-	-	-

¹USD in Million

Estimates

Fiscal Period: September	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3	2027 Q4	2028 Q1
Net sales ¹	331.4	338.2	334.6	322.4	357.2	349	348.7	344.9	380.3	398.7	389.7	382.1	433.8	447.8	453.8	440	498.7	536.4	515.8	512	618.6	670.5	665	653.1	715	773.9	769.1	714.5
Change	-	2.06%	-1.07%	-3.65%	10.81%	-2.3%	-0.06%	-1.11%	10.26%	4.84%	-2.25%	-1.97%	13.55%	3.24%	1.33%	-3.05%	13.36%	7.56%	-3.85%	-0.74%	20.83%	8.39%	-0.82%	-1.78%	9.48%	8.23%	-0.62%	-7.1%
EBITDA ¹	136.1	138.7	149.1	150.7	184.6	174.3	146.7	172.4	190.8	213.4	202.8	185.8	233.9	236.5	241	223.7	290.8	308.4	284.5	282.3	383.1	420	413.6	393.3	454.1	503.6	497.2	427.3
Change	-	1.93%	7.47%	1.09%	22.5%	-5.57%	-15.82%	17.47%	10.7%	11.81%	-4.96%	-8.4%	25.93%	1.11%	1.88%	-7.16%	29.97%	6.07%	-7.77%	-0.75%	35.68%	9.64%	-1.53%	-4.9%	15.46%	10.89%	-1.26%	-14.07%
EBIT ¹	101.2	101.6	115.2	115.6	152.1	140.6	134.2	168.4	187.1	210.3	200.1	183.2	230.6	233	237.3	220.2	287.4	304.4	280.5	278.3	375.4	408.6	403.1	396	452.7	498.5	492.3	442.5
Change	-	0.38%	13.39%	0.35%	31.55%	-7.52%	-4.59%	25.51%	11.11%	12.41%	-4.86%	-8.43%	25.85%	1.04%	1.84%	-7.19%	30.51%	5.95%	-7.88%	-0.76%	34.89%	8.83%	-1.34%	-1.75%	14.32%	10.11%	-1.25%	-10.12%
Charge d'intérêts ¹	-9.943	-10.02	-10.49	-12.2	-17.21	-18.72	-20.84	-22.8	-23.9	-24.54	-24.3	-20.77	-26.09	-26.87	-28.52	-29.4	-31.38	-32.9	-39.88	-42.12	-41.01	-41.07	-41.27	-40.62	-40.18	-39.75	-39.75	-41
Earnings before Tax (EBT) ¹	91.82	187.9	105.5	104.8	132.5	120.9	113.1	117.9	137.5	157.8	140.5	130.6	172.7	167.3	171.4	150.1	213	237	202.5	191.9	291.7	337.6	334.5	301	354.6	394.1	409.1	366
Change	-	104.62%	-43.87%	-0.61%	26.39%	-8.75%	-6.44%	4.24%	16.59%	14.78%	-10.98%	-7.03%	32.27%	-3.14%	2.43%	-12.4%	41.89%	11.26%	-14.57%	-5.2%	51.98%	15.74%	-0.93%	-10%	17.81%	11.14%	3.8%	-10.53%
Net income ¹	68.67	151.2	85.72	84.96	104.4	93.5	90.7	97.64	101.6	128.8	101.4	121.1	129.8	126.3	135.7	152.5	162.6	181.8	155	158.4	215.8	241.6	238	220.9	267.9	293.6	297.5	267.1
Change	-	120.17%	-43.31%	-0.89%	22.86%	-10.43%	-3%	7.66%	4%	26.79%	-21.23%	19.37%	7.21%	-2.73%	7.47%	12.41%	6.61%	11.79%	-14.73%	2.17%	36.24%	11.95%	-1.48%	-7.17%	21.25%	9.61%	1.33%	-10.23%
Announcement Date	05/05/21	03/08/21	10/11/21	27/01/22	27/04/22	03/08/22	09/11/22	26/01/23	27/04/23	02/08/23	08/11/23	25/01/24	25/04/24	31/07/24	06/11/24	04/02/25	29/04/25	30/07/25	05/11/25	28/01/26	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Fair Isaac Corporation

Fiscal Period: September	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt ¹	1,064	1,720	1,725	2,080	2,922	2,862	2,476	1,898
Change	-	61.65%	0.29%	20.58%	40.48%	-2.04%	-13.49%	-23.34%
Announcement Date	10/11/21	09/11/22	08/11/23	06/11/24	05/11/25	-	-	-

¹USD in Million

Estimates

Cash Flow Forecast: Fair Isaac Corporation

Fiscal Period: September	2023	2024	2025	2026	2027	2028
CAPEX ¹	4.327	25.55	39.41	38.18	43.09	44.45
Change	-	490.5%	54.23%	-3.11%	12.87%	3.15%
Free Cash Flow (FCF) ¹	464.7	607.4	739.4	1,027	1,321	1,527
Change	-	30.72%	21.73%	38.94%	28.62%	15.55%
Announcement Date	08/11/23	06/11/24	05/11/25	-	-	-

¹USD in Million

Estimates

Forecast Financial Ratios: Fair Isaac Corporation

Fiscal Period: September	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	41.27%	44.08%	51.49%	52.22%	55.62%	61.36%	64.2%	67.13%
EBIT Margin (%)	30.79%	39.38%	50.6%	51.47%	54.87%	59.71%	62.02%	64.18%
EBT Margin (%)	35.94%	34.22%	36.58%	37.38%	40.31%	47.3%	50.74%	54.65%
Net margin (%)	29.78%	27.12%	28.37%	29.86%	32.75%	34.57%	37.41%	39.42%
FCF margin (%)	-	-	30.7%	35.37%	37.14%	41.39%	45.33%	46.5%
FCF / Net Income (%)	-	-	108.22%	118.45%	113.41%	119.73%	121.15%	117.95%
Profitability
ROA	-	-	28.46%	31.14%	36.36%	43.03%	44.54%	40.36%
ROE	-	-	-	-	-	-	-	-
Financial Health
Leverage (Debt/EBITDA)	1.96x	2.83x	2.21x	2.32x	2.64x	1.88x	1.32x	0.86x
Debt / Free cash flow	-	-	3.71x	3.42x	3.95x	2.79x	1.87x	1.24x
Capital Intensity
CAPEX / Current Assets (%)	-	-	0.29%	1.49%	1.98%	1.54%	1.48%	1.35%
CAPEX / EBITDA (%)	-	-	0.56%	2.85%	3.56%	2.51%	2.3%	2.02%
CAPEX / FCF (%)	-	-	0.93%	4.21%	5.33%	3.72%	3.26%	2.91%
Items per share
Cash flow per share ¹	-	-	18.49	25.24	31.71	41.54	52.15	59.74
Change	-	-	-	36.54%	25.64%	30.99%	25.55%	14.55%
Dividend per Share ¹	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Book Value Per Share ¹	-	-	-27.12	-39.47	-71.08	-75.12	-59.25	-46.43
Change	-	-	-	-45.52%	-80.1%	-5.68%	21.13%	21.65%
EPS ¹	13.4	14.18	16.93	20.45	26.54	36.52	46.35	54.95
Change	-	5.82%	19.39%	20.79%	29.78%	37.62%	26.91%	18.54%
Nbr of stocks (in thousands)	28,387	25,253	24,857	24,519	24,004	23,722	23,722	23,722
Announcement Date	10/11/21	09/11/22	08/11/23	06/11/24	05/11/25	-	-	-