Company Dossier · Information Technology
Fair Isaac
- S&P 500
- Russell 1000
What Fair Isaac is doing, read from its filings, its own words and the news, with every figure dated and sourced. Not investment advice: no ratings, no price targets.
Open the full company record in Palanor: guidance, KPIs, ownership, calls, prices →
The latest read
Computed from the data on Oct 22, 2026. Every figure links back to its source in the sections below.
- Revenue over the four quarters to June 30, 2026: $2.39 billion, up 24% from a year earlier.SEC EDGAR filings (XBRL)
- Free cash flow (operating cash flow minus capital expenditure) over the four quarters to June 30, 2026: $1.00 billion, up 28% from a year earlier.SEC EDGAR filings (XBRL)
- Capital expenditure over the four quarters to June 30, 2026: $0.01 billion, about level with a year earlier.SEC EDGAR filings (XBRL)
- Share buybacks in the fiscal year to September 30, 2025: $1.41 billion.SEC EDGAR filings (10-K)
- Long-term debt issued in the fiscal year to September 30, 2025: $1.50 billion.SEC EDGAR filings (10-K)
- Latest earnings call or results release (July 29, 2026): sentiment 0.70 on a −1 to +1 scale (confident, opportunity-framed), confidence 0.90 of 1.Palanor Discourse
- Guidance in the last 90 days: 1 outlook figure raised, 0 lowered, 0 held.Guidance Ledger (8-K results releases)
- Latest annual report (filed November 7, 2025): 0 risk factors added, 1 removed.Risk Factor Changes (10-K Item 1A)
- Insiders were net sellers in Q3 2026: $1.4 million on the open market.SEC Form 4
- 849 institutional managers reported a position at June 30, 2026 (−7 on the quarter before).SEC Form 13F
- H-1B filings certified in Q2 2026: 7 (15 a year earlier).U.S. Department of Labor (OFLC)
Company Posture
How Company Posture is measured →What Fair Isaac is doing, on three axes, from its filings and its own words, as of 2026-10-22. A description, not a rating: Company Posture never says whether to buy.
Steady · Confident
Expanding ↔ Retrenching
Steady
- Capital spending21st pct
- Debt raised—
- Buybacks vs capex3rd pct
- Hiring filings61st pct
- Deals and private raises48th pct
- Patent publications63rd pct
Confident ↔ Hedging
Confident
- Call sentiment58th pct
- Call confidence82nd pct
- Guidance changes99th pct
- Risk factors added72nd pct
- Insider open-market trades45th pct
- + Guidance changes
- + Call confidence
- + Risk factors added
Pressure
Components only: Not yet shown as a score: in the back-test it did not add to a naive reader's forecast of impairment, debt acceleration or bankruptcy filings (8-K 2.06, 2.04, 1.03) (not enough events (17 in half 1; needs 20)).
- Fails-to-deliver64th pct
- Stress filings49th pct
Credit
How these are built →Fair Isaac's borrowing from its SEC filings: the bonds it priced and the debt on its latest balance sheet. A description, not a rating.
Debt on the balance sheet
$5.6B
- Due within a year $0.3B
- Longer term $5.3B
- Default point $2.9B (short + ½ long)
Finance leases included · Jun 30, 2026 filing
Bonds priced, last 12 months
None
U.S. dollar tranches with a term sheet on EDGAR. Deals sold under Rule 144A file none and are not counted.
Charts
Live charts: each one redraws from today’s data and has an image link to paste into a document or slide.
Cash flow
Capital returned and raised
What the company says
Hiring and ownership
In the news
Headlines that name Fair Isaac, with the publisher and a link. The tone is read from each headline’s own words, never from a summary of the article.
- NeutralHas Fair Isaac (FICO)’s Vaunted Moat Narrowed?
insidermonkey.com · via Marketaux · Oct 10, 2026
- NeutralIs It Too Late to Buy Fair Isaac Corp (FICO) After 4.3% Rally? GF Value Says Undervalued
gurufocus.com · via Marketaux · Oct 5, 2026
- NeutralFair Isaac Stock: 75% Decline Is Enough (NYSE:FICO)
seekingalpha.com · via Marketaux · Oct 1, 2026
Filings and records
The last two years of notable 8-Ks, offerings, annual reports, federal awards, lobbying reports, patents and other public records, newest first.
- Oct 21, 2026LobbyingLobbying report (FEDERAL STREET STRATEGIES, LLC)third_quarter 2026 · $0.1 million
- Oct 20, 2026LobbyingLobbying report (FAIR ISAAC CORPORATION (DBA FICO))third_quarter 2026 · $0.6 million
- Oct 20, 2026LobbyingLobbying report (MILLER STRATEGIES, LLC)third_quarter 2026 · $0.3 million
- Oct 20, 2026LobbyingLobbying report (FGS GLOBAL (US) LLC (FKA FGH HOLDINGS LLC))third_quarter 2026 · $0.0 million
- Oct 20, 2026LobbyingLobbying report (RICH FEUER ANDERSON)third_quarter 2026 · $0.1 million
- Oct 20, 2026LobbyingLobbying report (AKIN GUMP STRAUSS HAUER & FELD)third_quarter 2026 · $0.0 million
- Oct 20, 2026LobbyingLobbying report (MINDSET ADVOCACY, LLC)third_quarter 2026 · $0.1 million
- Oct 6, 20268-KExit or restructuring costsItem 2.05
- Sep 22, 2026Patent
- Sep 15, 2026Patent
- Sep 8, 2026PatentPatent granted: COMPOSABLE MODULAR PLATFORMUS 12730789
- Aug 18, 2026Patent
- Aug 4, 2026Patent
- Jul 21, 2026LobbyingLobbying report (FEDERAL STREET STRATEGIES, LLC)second_quarter 2026 · $0.1 million
- Jun 8, 20268-KMaterial agreement signedItem 1.01
- Mar 20, 20268-KMaterial agreement signedItem 1.01
- Mar 5, 20268-KShareholder vote resultsItem 5.07
- Nov 7, 202510-KAnnual report (10-K)0 risk factors added, 1 removed
- Aug 28, 20258-KDirector or officer changeItem 5.02
- May 13, 20258-KMaterial agreement signedItem 1.01
- Mar 6, 20258-KShareholder vote resultsItem 5.07
- Nov 6, 202410-KAnnual report (10-K)1 risk factors added, 0 removed
- Nov 8, 202310-KAnnual report (10-K)0 risk factors added, 1 removed
Peers
Companies in the same industry in the S&P 500, Russell 1000 or MidCap 400, closest in revenue first. Trailing twelve months, from SEC filings.
| Company | Revenue | Free cash flow | Through |
|---|---|---|---|
| Tyler Technologies TYL | $2.4B | $0.7B | Jun 30, 2026 |
| Paycom PAYC | $2.1B | $0.6B | Jun 30, 2026 |
| PTC Inc. PTC | $3.0B | $0.9B | Jun 30, 2026 |
| Okta, Inc. OKTA | $3.1B | $1.0B | Jul 31, 2026 |
| Zscaler ZS | $3.4B | $0.8B | Jul 31, 2026 |
| DocuSign DOCU | $3.4B | $1.2B | Jul 31, 2026 |
| Paylocity PCTY | $1.6B | $0.5B | Jun 30, 2026 |
| Trimble Inc. TRMB | $3.8B | $0.8B | Jul 3, 2026 |