Fair Isaac Ratios (2009-2025) | FICO

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Ratios	Jun2009	Sep2009	Dec2009	Mar2010	Jun2010	Sep2010	Dec2010	Mar2011	Jun2011	Sep2011	Dec2011	Mar2012	Jun2012	Sep2012	Dec2012	Mar2013	Jun2013	Sep2013	Dec2013	Mar2014	Jun2014	Sep2014	Dec2014	Mar2015	Jun2015	Sep2015	Dec2015	Mar2016	Jun2016	Sep2016	Dec2016	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
Gross Margin	69.13%	69.86%	71.93%	68.94%	70.83%	68.76%	70.63%	68.26%	71.20%	69.57%	73.01%	69.40%	70.19%	70.27%	70.45%	67.18%	68.63%	70.15%	68.91%	68.63%	68.24%	67.94%	65.02%	65.72%	68.38%	71.20%	68.92%	69.86%	72.20%	68.49%	68.13%	68.42%	69.78%	70.30%	67.97%	68.98%	69.01%	68.83%	71.00%	69.25%	72.25%	71.18%	69.60%	71.38%	71.77%	74.98%	71.34%	73.34%	75.68%	78.37%	78.53%	79.90%	77.45%	76.35%	77.80%	79.01%	81.98%	78.75%	78.15%	79.96%	80.30%	80.26%	80.15%	82.43%	83.67%	82.32%	82.96%
EBT Margin	18.32%	18.40%	17.41%	13.34%	17.20%	12.92%	13.74%	7.22%	21.20%	20.63%	25.61%	18.61%	18.85%	17.56%	18.44%	14.16%	15.57%	22.56%	14.75%	16.87%	15.33%	20.02%	9.67%	12.57%	14.55%	14.79%	11.88%	15.55%	21.06%	16.27%	13.05%	14.51%	15.30%	23.36%	13.29%	15.28%	14.86%	19.10%	14.17%	14.37%	24.84%	19.94%	14.03%	20.28%	24.29%	20.42%	28.15%	27.71%	55.56%	31.52%	32.52%	37.09%	34.64%	32.43%	34.19%	36.15%	39.58%	36.04%	34.18%	39.82%	37.36%	37.77%	34.12%	42.71%	44.18%	39.26%	37.49%
EBIT Margin	21.30%	21.62%	20.88%	16.05%	20.01%	17.78%	19.01%	12.56%	24.82%	25.65%	30.57%	23.94%	23.16%	21.99%	22.63%	18.52%	19.16%	26.37%	19.13%	20.89%	18.43%	23.22%	13.13%	16.61%	17.70%	17.69%	15.41%	18.64%	23.17%	19.05%	15.90%	17.53%	17.94%	25.97%	15.85%	18.12%	17.47%	18.54%	18.69%	17.45%	27.27%	23.02%	17.38%	24.59%	26.41%	22.84%	30.32%	30.54%	57.48%	34.43%	35.86%	42.57%	40.29%	38.47%	40.69%	42.01%	44.40%	42.52%	39.62%	44.91%	42.48%	43.45%	40.80%	49.25%	48.94%	45.98%	45.72%
EBITDA Margin	21.30%	21.62%	20.88%	16.05%	20.01%	17.78%	19.01%	12.56%	24.82%	25.65%	16.02%	16.40%	9.37%	15.81%	11.59%	3.05%	9.98%	20.58%	11.38%	12.75%	13.29%	9.80%	1.56%	-0.10%	15.61%	10.11%	6.56%	10.75%	8.72%	11.44%	10.73%	13.65%	15.42%	21.16%	15.47%	15.72%	4.28%	11.46%	14.01%	13.05%	19.08%	14.88%	23.12%	12.74%	20.69%	18.79%	33.14%	20.17%	45.96%	21.94%	25.69%	28.33%	20.35%	19.98%	33.64%	28.43%	33.57%	24.11%	33.97%	28.96%	27.28%	32.12%	31.02%	33.89%	36.31%	29.32%	30.92%
Operating Margin	21.30%	21.62%	20.88%	16.05%	20.01%	17.78%	19.01%	12.56%	24.82%	25.65%	30.57%	23.94%	23.16%	21.99%	22.63%	18.52%	19.16%	26.37%	19.13%	20.89%	18.43%	23.22%	13.13%	16.61%	17.70%	17.69%	15.41%	18.64%	23.17%	19.05%	15.90%	17.53%	17.94%	25.97%	15.85%	18.12%	17.47%	18.54%	18.69%	17.45%	27.27%	23.02%	17.38%	24.59%	26.41%	22.84%	30.32%	30.54%	57.48%	34.43%	35.86%	42.57%	40.29%	38.47%	40.69%	42.01%	44.40%	42.52%	39.62%	44.91%	42.48%	43.45%	40.80%	49.25%	48.94%	45.98%	45.72%
Net Margin	11.63%		11.67%	9.04%	11.55%	10.21%	10.27%	5.07%	15.39%	15.36%	17.61%	12.55%	12.93%	11.42%	12.33%	10.31%	10.68%	15.00%	9.21%	11.19%	10.40%	16.52%	7.60%	9.11%	9.51%	14.31%	9.62%	11.18%	14.65%	13.61%	17.26%	10.98%	10.92%	17.85%	14.15%	12.16%	11.66%	12.75%	15.25%	12.00%	20.41%	17.88%	18.40%	18.93%	20.42%	15.79%	27.69%	20.72%	44.71%	25.62%	26.36%	29.22%	26.79%	26.01%	28.31%	26.70%	32.30%	26.02%	31.69%	29.92%	28.19%	29.90%	34.67%	32.61%	33.89%	30.06%	30.93%
FCF Margin		16.20%	17.67%	24.48%	6.00%	10.99%	20.23%	15.02%	28.02%	15.85%	19.60%	23.02%	10.39%	9.39%	10.38%	17.91%	15.19%	16.93%	14.23%	24.03%	13.12%	29.66%	-2.27%	18.03%	16.77%	23.05%	23.16%	18.48%	33.78%	9.80%	13.05%	26.77%	28.94%	19.42%	10.64%	16.45%	28.22%	20.61%	16.16%	15.68%	19.34%	29.34%	18.04%	17.80%	31.54%	36.13%	23.98%	45.98%	29.28%	26.89%	38.46%	33.65%	33.01%	41.30%	26.56%	23.21%	30.56%	41.82%	31.61%	15.44%	46.32%	48.72%	42.65%	13.56%	51.83%	41.69%	32.35%
Efficiency
Assets Average						1,143.06M	1,129.93M	1,144.29M	1,147.06M	1,135.58M	1,127.57M	1,103.14M	1,073.44M	1,112.45M	1,167.36M	1,187.23M	1,181.24M	1,162.85M	1,163.91M	1,171.76M	1,181.50M	1,189.02M	1,180.11M	1,202.29M	1,226.39M	1,223.14M	1,222.71M	1,215.10M	1,220.83M	1,223.69M	1,222.54M	1,235.73M	1,252.71M	1,256.99M	1,248.23M	1,265.87M	1,288.98M	1,308.77M	1,318.05M	1,316.87M	1,350.95M	1,403.62M	1,489.24M	1,548.59M	1,558.13M	1,585.18M	1,591.55M	1,578.24M	1,584.38M	1,578.47M	1,515.54M	1,474.90M	1,471.66M	1,449.43M	1,450.36M	1,480.56M	1,543.50M	1,579.92M	1,584.40M	1,648.32M	1,705.97M	1,713.36M	1,712.25M	1,771.18M	1,848.89M	1,865.08M	1,861.15M
Equity Average						491.01M	483.19M	494.87M	493.03M	476.64M	463.88M	437.73M	409.78M	440.38M	491.57M	519.48M	522.73M	522.96M	535.05M	536.50M	506.38M	466.89M	428.92M	392.19M	388.91M	416.83M	429.58M	423.77M	426.71M	454.68M	451.61M	424.50M	429.93M	449.47M	425.91M	378.17M	332.67M	291.04M	257.67M	237.69M	257.90M	279.04M	265.36M	227.56M	230.72M	289.18M	327.60M	273.71M	174.07M	6.95M	-324.62M	-600.86M	-755.44M	-824.71M	-802.02M	-786.44M	-737.38M	-695.98M	-706.88M	-730.71M	-782.48M	-895.99M	-1050.42M	-1131.11M	-1260.75M	-1571.62M	-1776.96M
Invested Capital		600.27M			515.12M	482.91M	499.46M	506.28M	495.79M	473.49M	470.26M	421.19M	414.36M	523.41M	557.73M	579.23M	515.24M	553.68M	570.42M	569.58M	633.17M	830.61M	634.22M	957.16M	972.66M	953.00M	938.17M	941.38M	944.04M	974.94M	940.58M	945.82M	820.52M	928.98M	848.48M	883.57M	851.36M	816.38M	832.05M	851.85M	872.90M	896.56M	979.22M	952.78M	986.33M	1,070.52M	1,063.95M	963.53M	931.46M	898.08M	1,029.99M	1,001.26M	979.20M	1,021.72M	1,018.57M	1,046.87M	1,110.68M	1,123.67M	1,082.89M	1,292.99M	1,275.64M	1,246.34M	1,267.94M	1,389.13M	1,382.11M	1,309.91M	1,388.69M
Asset Utilization Ratio						0.53	0.54	0.54	0.54	0.55	0.56	0.58	0.61	0.61	0.60	0.60	0.63	0.64	0.63	0.63	0.64	0.66	0.67	0.68	0.67	0.69	0.69	0.70	0.72	0.72	0.74	0.75	0.73	0.74	0.76	0.77	0.77	0.76	0.78	0.80	0.82	0.83	0.80	0.79	0.79	0.82	0.82	0.84	0.86	0.83	0.88	0.92	0.93	0.95	0.97	0.96	0.95	0.96	0.98	0.97	0.97	1.00	1.04	1.04	1.04	1.07	1.11
Leverage & Solvency
Interest Coverage Ratio	5.46	5.75	5.85	4.25	5.69	3.52	3.60	2.36	4.66	5.16	6.52	4.78	4.70	5.43	5.46	4.23	4.74	7.11	4.95	5.46	5.17	7.07	3.45	4.46	5.03	6.00	4.59	5.65	8.16	7.11	5.66	6.09	6.23	10.30	5.70	6.53	5.42	5.00	5.06	4.85	8.48	7.06	5.31	6.73	7.38	8.61	9.82	10.18	19.40	10.98	9.48	8.83	7.51	6.44	6.16	6.69	7.21	6.82	6.26	7.47	7.08	6.91	6.09	7.83	7.98	5.95	5.57
Debt to Equity		0.49			0.54	1.09	1.06	1.04	1.05	1.10	1.12	1.26	1.26	1.06	1.09	1.04	0.88	0.89	0.89	0.91	1.11	1.20	1.51	0.22	0.18	1.39	0.24	0.22	0.20	1.19	0.24	0.25	0.52	1.30	0.52	0.52	0.69	2.66	1.00	0.88	0.81	2.85	0.75	0.98	0.76	2.52	0.40	1.01	2.00	-11.35	-0.12	-0.20	-0.15	-2.31	-0.12	-0.14	-0.16	-2.71	-0.21	-0.02	-0.02	-2.29	-0.01	-0.01	-1.99	-1.75	-1.77
Debt Ratio		0.23			0.24	0.46	0.46	0.45	0.45	0.45	0.46	0.48	0.48	0.44	0.47	0.46	0.39	0.40	0.41	0.41	0.45	0.46	0.52	0.07	0.06	0.49	0.08	0.08	0.07	0.47	0.08	0.09	0.18	0.48	0.16	0.15	0.16	0.57	0.17	0.16	0.16	0.58	0.12	0.13	0.12	0.52	0.08	0.14	0.16	0.80	0.04	0.09	0.09	1.29	0.07	0.07	0.07	1.18	0.10	0.01	0.01	1.29	0.01	0.01	1.49	1.64	1.72
Equity Ratio		0.46			0.44	0.42	0.43	0.43	0.43	0.41	0.41	0.38	0.38	0.41	0.43	0.44	0.44	0.46	0.46	0.45	0.40	0.38	0.35	0.31	0.33	0.36	0.35	0.35	0.35	0.39	0.34	0.34	0.34	0.37	0.31	0.29	0.23	0.22	0.17	0.19	0.20	0.20	0.16	0.14	0.16	0.21	0.21	0.14	0.08	-0.07	-0.37	-0.45	-0.58	-0.56	-0.55	-0.51	-0.44	-0.44	-0.46	-0.43	-0.49	-0.56	-0.67	-0.61	-0.75	-0.93	-0.98
Times Interest Earned	5.46	5.75	5.85	4.25	5.69	3.52	3.60	2.36	4.66	5.16	6.52	4.78	4.70	5.43	5.46	4.23	4.74	7.11	4.95	5.46	5.17	7.07	3.45	4.46	5.03	6.00	4.59	5.65	8.16	7.11	5.66	6.09	6.23	10.30	5.70	6.53	5.42	5.00	5.06	4.85	8.48	7.06	5.31	6.73	7.38	8.61	9.82	10.18	19.40	10.98	9.48	8.83	7.51	6.44	6.16	6.69	7.21	6.82	6.26	7.47	7.08	6.91	6.09	7.83	7.98	5.95	5.57
Dividends & Payouts
FCF Payout Ratio		0.04	0.04	0.03	0.10	0.05	0.03	0.03	0.02	0.03	0.02	0.02	0.04	0.04	0.04	0.02	0.03	0.02	0.03	0.02	0.03	0.01	-0.15	0.02	0.02	0.01	0.01	0.02	0.01	0.03	0.02	0.01
Valuation
Enterprise Value	-240.35M	-317.83M	-206.21M	-190.91M	-241.78M	-214.81M	-243.29M	-258.29M	-258.51M	-241.58M	-231.59M	-191.09M	-150.70M	-93.62M	-90.84M	-131.15M	-93.02M	-83.18M	-95.94M	-108.18M	-93.11M	-105.08M	-94.65M	-86.84M	-84.36M	-86.12M	-90.71M	-85.37M	-118.16M	-75.93M	-88.10M	-115.85M	-94.21M	-105.62M	-94.21M	-107.87M	-119.93M	-90.02M	-79.90M	-76.89M	-78.81M	-106.43M	-111.22M	-108.97M	-125.67M	-157.39M	-144.66M	-197.84M	-237.61M	-195.35M	-162.16M	-174.22M	-155.06M	-133.20M	-139.86M	-137.77M	-163.02M	-136.78M	-160.42M	-135.67M	-156.04M	-150.67M	-184.25M	-146.64M	-189.05M	-134.14M	-162.03M
Return Ratios
Return on Sales	0.12%		0.12%	0.09%	0.12%	0.10%	0.10%	0.05%	0.15%	0.15%	0.18%	0.13%	0.13%	0.11%	0.12%	0.10%	0.11%	0.15%	0.09%	0.11%	0.10%	0.17%	0.08%	0.09%	0.10%	0.14%	0.10%	0.11%	0.15%	0.14%	0.17%	0.11%	0.11%	0.18%	0.14%	0.12%	0.12%	0.13%	0.15%	0.12%	0.20%	0.18%	0.18%	0.19%	0.20%	0.16%	0.28%	0.21%	0.45%	0.26%	0.26%	0.29%	0.27%	0.26%	0.28%	0.27%	0.32%	0.26%	0.32%	0.30%	0.28%	0.30%	0.35%	0.33%	0.34%	0.30%	0.31%
Return on Capital Employed						0.11%	0.11%	0.11%	0.11%	0.13%	0.15%	0.18%	0.18%	0.19%	0.16%	0.15%	0.15%	0.16%	0.15%	0.16%	0.18%	0.19%	0.19%	0.16%	0.15%	0.14%	0.15%	0.15%	0.17%	0.17%	0.18%	0.18%	0.19%	0.20%	0.21%	0.21%	0.22%	0.21%	0.21%	0.22%	0.26%	0.28%	0.24%	0.27%	0.26%	0.25%	0.28%	0.34%	0.46%	0.50%	0.44%	0.53%	0.48%	0.49%	0.52%	0.52%	0.53%	0.53%	0.57%	0.52%	0.51%	0.55%	0.55%	0.57%	0.82%	0.91%	0.88%
Return on Invested Capital						0.16%	0.16%	0.16%	0.17%	0.19%	0.23%	0.27%	0.28%	0.24%	0.20%	0.18%	0.19%	0.21%	0.18%	0.18%	0.18%	0.16%	0.15%	0.14%	0.12%	0.11%	0.12%	0.12%	0.14%	0.13%	0.16%	0.16%	0.16%	0.18%	0.17%	0.18%	0.19%	0.17%	0.19%	0.19%	0.22%	0.25%	0.26%	0.28%	0.28%	0.26%	0.28%	0.30%	0.41%	0.46%	0.44%	0.46%	0.42%	0.43%	0.44%	0.44%	0.45%	0.45%	0.47%	0.46%	0.43%	0.46%	0.50%	0.50%	0.52%	0.56%	0.57%
Return on Assets						0.06%	0.06%	0.05%	0.05%	0.06%	0.08%	0.09%	0.09%	0.08%	0.07%	0.07%	0.07%	0.08%	0.07%	0.07%	0.07%	0.08%	0.08%	0.08%	0.07%	0.07%	0.07%	0.08%	0.09%	0.09%	0.10%	0.11%	0.10%	0.11%	0.10%	0.11%	0.11%	0.10%	0.10%	0.10%	0.13%	0.14%	0.14%	0.15%	0.15%	0.15%	0.17%	0.18%	0.23%	0.25%	0.26%	0.29%	0.25%	0.26%	0.27%	0.26%	0.27%	0.27%	0.29%	0.29%	0.28%	0.30%	0.32%	0.33%	0.34%	0.35%	0.35%
Return on Equity						0.13%	0.13%	0.12%	0.13%	0.15%	0.18%	0.22%	0.23%	0.21%	0.17%	0.16%	0.16%	0.17%	0.16%	0.16%	0.17%	0.20%	0.22%	0.23%	0.23%	0.21%	0.21%	0.23%	0.26%	0.24%	0.28%	0.31%	0.28%	0.30%	0.30%	0.36%	0.42%	0.43%	0.52%	0.57%	0.66%	0.69%	0.78%	1.02%	1.00%	0.82%	0.82%	1.02%	2.10%	56.43%	-1.20%	-0.71%	-0.49%	-0.45%	-0.48%	-0.49%	-0.57%	-0.62%	-0.64%	-0.66%	-0.61%	-0.57%	-0.52%	-0.51%	-0.50%	-0.41%	-0.37%

Research Tools

Fair Isaac Ratios (2009-2025) | FICO

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