Fair Isaac debt and dilution39

Borrowings, liquidity, share count and stock-based dilution.

Total debt

USD millions

$5,582.389M

Cash & equivalents

USD millions

$248.444M

Net debt

USD millions

$5,333.945M

Debt / equity

—

Debt / assets

274%

Net debt / EBITDA

× · TTM

4.26×

Debt / FCF

× · TTM

5.6×

Interest coverage

× · TTM

6.63×

Current ratio

1.18×

Diluted shares

Million shares

22.7M shares

Basic shares

Million shares

22.67M shares

Share count growth

-6.65%

Share repurchases

USD millions

$2,269.427M

Quarterly data

Fair Isaac capital history. Each metric has its own unit. A dash means inputs are missing or the calculation is undefined.
Fiscal period	Ended	Total debtUSD millions	Cash & equivalentsUSD millions	Net debtUSD millions	Debt / equity×	Debt / assets%	Net debt / EBITDA×	Debt / FCF×	Interest coverage×	Current ratio×	Diluted sharesMillion shares	Basic sharesMillion shares	Share count growth%	Share repurchasesUSD millions
FY 2026 Q3	Jun 30, 2026	5,582.39	248.44	5,333.95	—	274%	4.26×	5.6×	6.63×	1.18×	22.7	22.67	-6.65%	2,269.43
FY 2026 Q2	Mar 31, 2026	3,639.06	219.42	3,419.64	—	177.67%	2.97×	4.04×	7.13×	2.22×	23.75	23.63	-3.12%	605.4
FY 2026 Q1	Dec 31, 2025	3,196.83	162.03	3,034.79	—	172.41%	3.05×	4.26×	6.7×	0.93×	23.96	23.72	-2.69%	171.17
FY 2025 Q4	Sep 30, 2025	3,055.69	134.14	2,921.56	—	163.57%	3.11×	3.97×	6.92×	0.83×	24.16	23.91	-2.32%	547.98
FY 2025 Q3	Jun 30, 2025	2,779.55	189.05	2,590.51	—	149.28%	2.88×	3.59×	7.24×	0.92×	24.58	24.28	-1.47%	486.78
FY 2025 Q2	Mar 31, 2025	2,528.18	146.64	2,381.54	—	137.72%	2.88×	3.6×	6.99×	2.11×	24.69	24.39	-1.73%	217.16
FY 2025 Q1	Dec 31, 2024	2,421.1	184.25	2,236.85	—	141.87%	2.88×	3.48×	6.87×	1.8×	24.83	24.38	-1.56%	162.58
FY 2024 Q4	Sep 30, 2024	2,209.02	150.67	2,058.35	—	128.59%	2.75×	3.54×	6.94×	1.62×	24.93	24.48	-1.41%	323.53
FY 2024 Q3	Jun 30, 2024	2,119.94	156.04	1,963.9	—	124.06%	2.75×	3.77×	6.92×	1.87×	25.02	24.65	-1.25%	254.7
FY 2024 Q2	Mar 31, 2024	2,043.65	135.67	1,907.99	—	119.99%	2.72×	4.32×	6.95×	2.04×	25.15	24.82	-1.18%	171.77
FY 2024 Q1	Dec 31, 2023	1,961.66	160.42	1,801.23	—	123.1%	2.7×	3.97×	6.75×	1.31×	25.22	24.76	-1.12%	71.7
FY 2023 Q4	Sep 30, 2023	1,861.66	136.78	1,724.88	—	118.18%	2.62×	4.01×	6.73×	1.51×	25.27	24.83	-1.56%	120.37
FY 2023 Q3	Jun 30, 2023	1,814.66	163.02	1,651.64	—	114.52%	2.63×	4.07×	6.64×	1.46×	25.34	24.96	-2.63%	100.87
FY 2023 Q2	Mar 31, 2023	1,817.66	137.77	1,679.89	—	120.98%	2.83×	4.14×	6.66×	1.4×	25.42	25.12	-3.94%	109.29
FY 2023 Q1	Dec 31, 2022	1,820.67	139.86	1,680.81	—	124.81%	2.86×	3.87×	7.13×	1.36×	25.44	25.05	-7.81%	75
FY 2022 Q4	Sep 30, 2022	1,853.67	133.2	1,720.47	—	128.55%	3.06×	3.68×	7.86×	1.46×	25.57	25.22	-10.07%	56.15
FY 2022 Q3	Jun 30, 2022	1,826.67	155.06	1,671.61	—	125.39%	3.07×	4.06×	8.93×	1.23×	25.87	25.63	-10.64%	287.17
FY 2022 Q2	Mar 31, 2022	1,664.67	174.22	1,490.46	—	111.99%	2.49×	3.84×	11.56×	1.26×	26.42	26.15	-10.11%	278.11
FY 2022 Q1	Dec 31, 2021	1,568.29	162.16	1,406.14	—	107.17%	2.56×	3.37×	12.34×	1.44×	27.52	27.17	-6.73%	482.76
FY 2021 Q4	Sep 30, 2021	1,259.02	195.35	1,063.66	—	80.31%	2×	3.02×	12.61×	0.99×	28.53	28.04	-3.45%	332.97
FY 2021 Q3	Jun 30, 2021	806.62	237.61	569.01	6.46×	50.76%	1.13×	1.75×	12.04×	1.02×	29.2	28.69	-1.1%	290.85
FY 2021 Q2	Mar 31, 2021	740.23	197.84	542.39	3.31×	46.86%	1.38×	1.6×	8.94×	1.1×	29.53	29.09	-0.37%	200.35
FY 2021 Q1	Dec 31, 2020	739.83	144.66	595.17	2.28×	46.92%	1.62×	2.03×	8.06×	1.3×	29.79	29.13	0.35%	50.01
FY 2020 Q4	Sep 30, 2020	834.44	157.39	677.04	2.52×	51.95%	2.07×	2.43×	7.02×	1.29×	29.83	29.05	0.44%	25.22
FY 2020 Q3	Jun 30, 2020	739.04	125.67	613.37	2.99×	47.25%	1.96×	2.49×	6.65×	1.05×	29.74	29.01	0.13%	61.99
FY 2020 Q2	Mar 31, 2020	738.63	108.97	629.67	3.45×	47.59%	2×	2.85×	6.9×	1.01×	29.99	29.19	0.41%	88
FY 2020 Q1	Dec 31, 2019	738.26	111.22	627.04	3.06×	47.78%	2.18×	2.98×	6.44×	1.04×	30.17	29.03	0.22%	60.01
FY 2019 Q4	Sep 30, 2019	824.79	106.43	718.36	2.85×	57.54%	2.52×	3.49×	6.38×	0.93×	30.29	28.92	-0.55%	49.97
FY 2019 Q3	Jun 30, 2019	604.58	78.81	525.77	2.25×	44.01%	1.85×	3.03×	6.45×	0.95×	30.29	28.97	-2.49%	59.2
FY 2019 Q2	Mar 31, 2019	604.37	76.89	527.48	2.44×	45.51%	2.14×	2.87×	5.77×	0.91×	30.26	29.07	-3.04%	37.02
FY 2019 Q1	Dec 31, 2018	604.16	79.9	524.26	2.65×	46.27%	2.13×	2.89×	6.24×	0.87×	30.34	28.96	-3.71%	82.7
FY 2018 Q4	Sep 30, 2018	763.94	90.02	673.92	2.9×	60.87%	2.85×	3.98×	6.59×	0.8×	30.7	29.08	-4.77%	113.06
FY 2018 Q3	Jun 30, 2018	556.71	119.93	436.78	1.89×	43.25%	1.91×	2.96×	7×	0.84×	31.16	29.71	-3.9%	104.83
FY 2018 Q2	Mar 31, 2018	512.87	107.87	405	1.38×	39.73%	1.81×	2.8×	7.15×	0.9×	31.3	29.99	-3.33%	69.45
FY 2018 Q1	Dec 31, 2017	462.83	94.21	368.62	1.2×	37.3%	1.7×	2.29×	6.99×	0.85×	31.56	30.08	-2.94%	55.26
FY 2017 Q4	Sep 30, 2017	604.8	105.62	499.18	1.42×	48.17%	2.34×	2.94×	6.87×	0.95×	31.96	30.53	-1.24%	71.29
FY 2017 Q3	Jun 30, 2017	387.77	130.67	257.1	0.9×	30.82%	1.3×	2.27×	6.27×	0.81×	32.22	30.91	-0.75%	41.69
FY 2017 Q2	Mar 31, 2017	518.72	115.85	402.87	1.21×	41.6%	1.92×	2.84×	6.78×	1.17×	32.26	31.02	-0.8%	44.21
FY 2017 Q1	Dec 31, 2016	518.67	88.1	430.57	1.23×	42.36%	2.08×	3.33×	6.66×	1.14×	32.54	30.99	-0.63%	30.44
FY 2016 Q4	Sep 30, 2016	571	75.93	495.07	1.28×	46.76%	2.46×	3.5×	6.37×	1.09×	32.22	30.92	-0.95%	42.28
FY 2016 Q3	Jun 30, 2016	516	118.16	397.85	1.21×	42.06%	2.02×	2.73×	6.1×	1.18×	32.31	31.15	0.1%	27.73
FY 2016 Q2	Mar 31, 2016	516	85.37	430.63	1.21×	42.47%	2.4×	3.55×	5.32×	1.15×	32.26	31.27	-0.21%	40.01
FY 2016 Q1	Dec 31, 2015	516	90.71	425.29	1.22×	42.46%	2.41×	3.47×	5×	1.18×	32.44	31.19	-2.35%	28.38
FY 2015 Q4	Sep 30, 2015	608	86.12	521.88	1.39×	49.42%	3.04×	5.63×	4.72×	1.18×	32.49	31.21	-2.83%	0
FY 2015 Q3	Jun 30, 2015	576	84.36	491.64	1.45×	47.36%	2.7×	4.3×	5×	1.23×	32.36	31.12	-9.04%	30.01
FY 2015 Q2	Mar 31, 2015	576	86.84	489.16	1.51×	46.58%	2.71×	4.62×	5.03×	1.18×	32.45	31.34	-9.17%	40.12
FY 2015 Q1	Dec 31, 2014	—	94.65	—	—	—	—	—	5.29×	0.77×	33.13	31.94	-7.96%	60.59
FY 2014 Q4	Sep 30, 2014	447	105.08	341.93	0.98×	37.49%	1.76×	2.75×	5.67×	0.85×	33.22	32.12	-8.56%	64.71
FY 2014 Q3	Jun 30, 2014	—	93.11	—	—	—	—	—	5.65×	0.87×	35.16	34.21	-3.63%	85.19
FY 2014 Q2	Mar 31, 2014	—	108.18	—	—	—	—	—	5.54×	1.5×	35.31	34.5	-3.26%	40.02
FY 2014 Q1	Dec 31, 2013	—	95.94	—	—	—	—	—	5.21×	1.59×	35.82	34.7	-0.98%	27.13
FY 2013 Q4	Sep 30, 2013	455	83.18	371.82	0.86×	39.17%	1.91×	4.06×	5.34×	1.5×	36.15	35.13	2.54%	34.94
FY 2013 Q3	Jun 30, 2013	—	93.02	—	—	—	—	—	4.91×	1.36×	36.39	35.5	4.4%	—
FY 2013 Q2	Mar 31, 2013	—	131.15	—	—	—	—	—	4.9×	1.49×	36.49	35.66	0.94%	—
FY 2013 Q1	Dec 31, 2012	—	90.84	—	—	—	—	—	5.04×	1.33×	36.15	35.04	-2.75%	—
FY 2012 Q4	Sep 30, 2012	504	71.61	432.39	1.06×	43.5%	2.28×	4.83×	5.31×	1.24×	35.51	34.26	-10.05%	0
FY 2012 Q3	Jun 30, 2012	—	118.68	—	—	—	—	—	5.29×	1.94×	35.29	34	-13.81%	34.28
FY 2012 Q2	Mar 31, 2012	—	146.04	—	—	—	—	—	5.28×	2.22×	36.55	35.33	-11.69%	99.09
FY 2012 Q1	Dec 31, 2011	—	175.38	—	—	—	—	—	4.66×	2.61×	36.89	36.03	-9.74%	57.69
FY 2011 Q4	Sep 30, 2011	512	135.75	376.25	1.1×	45.33%	2.48×	4.19×	3.93×	2.49×	38.69	38.09	-7.42%	37.66
FY 2011 Q3	Jun 30, 2011	—	140.92	—	—	—	—	—	3.53×	2.79×	40.24	39.45	-11.24%	34.45
FY 2011 Q2	Mar 31, 2011	—	258.29	—	—	—	—	—	3.62×	3.03×	40.62	40.01	—	17.14
FY 2011 Q1	Dec 31, 2010	—	196.43	—	—	—	—	—	—	3.09×	40.44	39.92	—	2.17
FY 2010 Q4	Sep 30, 2010	—	146.2	—	—	—	—	—	4.7×	2.84×	41.59	41.14	—	58.62
FY 2010 Q3	Jun 30, 2010	—	112.61	—	—	—	—	—	—	2.89×	44.89	44.45	—	79.97

Sources and calculations

Financial inputs from company filings. Last checked Oct 18, 2026. A dash means missing inputs or an undefined calculation.

Period changes use the preceding fiscal quarter or year. Percentage changes divide by the absolute prior value; a zero or missing baseline has no percentage change. Percentage metrics show changes in percentage points.

The SBC option subtracts reported share-based compensation from FCF as an economic-cost scenario. Missing SBC never becomes zero.

Debt uses reported borrowings, with overlapping concepts treated as alternatives. Cash excludes restricted cash and short-term investments. Dilution compares split-normalized weighted average basic shares year over year. Share buyback spending does not by itself measure shares retired.

Market prices: Yahoo Finance · FICO, USD. Latest completed close Sep 25, 2026. Price data retrieved Sep 28, 2026.

Total debt: Reported borrowing balances. Uses an aggregate including current maturities, or current plus noncurrent debt. Adds separately disclosed short-term borrowings, with commercial paper as a fallback, unless the selected current/aggregate concept already includes them. Finance leases are included when part of the reported debt concept; undisclosed components are not estimated.
Cash & equivalents: Unrestricted reported cash and cash equivalents. Excludes short-term investments and restricted cash.
Net debt: Total debt − cash and equivalents. Negative means net cash.
Debt / equity: Total debt / equity including noncontrolling interests. Nonpositive equity yields unavailable.
Debt / assets: Total debt / total assets × 100.
Net debt / EBITDA: Period-end net debt / (TTM operating income + TTM depreciation and amortization). Negative net debt is retained.
Debt / FCF: Period-end reported debt / positive TTM free cash flow. Reflects the selected reported capex scope and SBC option.
Interest coverage: TTM operating income / positive TTM interest expense. IFRS finance costs can include more than interest.
Current ratio: Current assets / positive current liabilities.
Diluted shares: Reported weighted average diluted shares, normalized for subsequent recorded stock splits. Fourth-quarter counts use a day-weighted annual/nine-month reconstruction where possible.
Basic shares: Reported weighted average basic shares, normalized for subsequent recorded stock splits.
Share count growth: Year-over-year change in split-normalized weighted average basic shares × 100. A dilution proxy; negative means a lower share count.
Share repurchases: Reported cash payments for repurchase of common shares. This is spending, not a buyback yield.

SEC company facts · CIK 814547