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Forensic Analysis · Professional & Commercial Services · as of Nov 9, 2026

Fair Isaac Corp (FICO)

A forensic read on Fair Isaac Corp built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

B · Sound & dependable
Forensic grade
Clean
Earnings quality
1
Forensic signals
27.3%
Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (auditor quality, say on pay, board independence, going concern). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Fair Isaac Corp earns a B (Sound & dependable) forensic quality grade. 1 forensic signal was flagged in its latest SEC filings, led by shareholder returns.

What the filings flag

294% of FCF
FY2026
Shareholder returns. Returned $3.0B to shareholders (buybacks + dividends) in FY2026 — 294% of free cash flow. That is $2.0B (194%) more than free cash flow covered, and more than operating cash flow as well. New debt covered it: total debt rose $2.2B over FY2026, while cash and long-term marketable securities rose $81M. A payout past free cash flow draws the balance sheet down in every year it continues, which isn't sustainable indefinitely. Counting the $185M of stock-based comp paid out in shares on top of that, the combined claim on free cash flow is 312%.

Key fundamentals

Latest Revenue$2.53B
Revenue Growth YoY+27.3%
Revenue CAGR (2yr)+21.5%
Net Margin32.9%
Free Cash Flow$1.03B

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Data from SEC EDGAR public filings · metrics as of Nov 9, 2026. Forensic signals flag probability, not certainty.

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