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
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%
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%
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%
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%
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%
Net Margin	11.63%	7.95%	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%
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%
Efficiency
Assets Average						1.14B	1.13B	1.14B	1.15B	1.14B	1.13B	1.10B	1.07B	1.11B	1.17B	1.19B	1.18B	1.16B	1.16B	1.17B	1.18B	1.19B	1.18B	1.20B	1.23B	1.22B	1.22B	1.22B	1.22B	1.22B	1.22B	1.24B	1.25B	1.26B	1.25B	1.27B	1.29B	1.31B	1.32B	1.32B	1.35B	1.40B	1.49B	1.55B	1.56B	1.59B	1.59B	1.58B	1.58B	1.58B	1.52B	1.47B	1.47B	1.45B	1.45B	1.48B	1.54B	1.58B	1.58B	1.65B	1.71B	1.71B	1.71B	1.77B	1.85B	1.87B
Equity Average						0.49B	0.48B	0.49B	0.49B	0.48B	0.46B	0.44B	0.41B	0.44B	0.49B	0.52B	0.52B	0.52B	0.54B	0.54B	0.51B	0.47B	0.43B	0.39B	0.39B	0.42B	0.43B	0.42B	0.43B	0.45B	0.45B	0.42B	0.43B	0.45B	0.43B	0.38B	0.33B	0.29B	0.26B	0.24B	0.26B	0.28B	0.27B	0.23B	0.23B	0.29B	0.33B	0.27B	0.17B	0.01B	-0.32B	-0.60B	-0.76B	-0.82B	-0.80B	-0.79B	-0.74B	-0.70B	-0.71B	-0.73B	-0.78B	-0.90B	-1.05B	-1.13B	-1.26B	-1.57B
Invested Capital		0.60B			0.52B	0.48B	0.50B	0.51B	0.50B	0.47B	0.47B	0.42B	0.41B	0.52B	0.56B	0.58B	0.52B	0.55B	0.57B	0.57B	0.63B	0.83B	0.63B	0.96B	0.97B	0.95B	0.94B	0.94B	0.94B	0.97B	0.94B	0.95B	0.82B	0.93B	0.85B	0.88B	0.85B	0.82B	0.83B	0.85B	0.87B	0.90B	0.98B	0.95B	0.99B	1.07B	1.06B	0.96B	0.93B	0.90B	1.03B	1.00B	0.98B	1.02B	1.02B	1.05B	1.11B	1.12B	1.08B	1.29B	1.28B	1.25B	1.27B	1.39B	1.38B	1.31B
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
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
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
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
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
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
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	0.77B	0.73B	0.82B	0.99B	0.75B	0.72B	0.69B	1.01B	0.94B	0.60B	1.05B	1.39B	1.30B	1.40B	1.38B	1.49B	1.55B	1.86B	2.08B	1.82B	2.09B	1.67B	2.23B	2.70B	2.73B	2.55B	2.84B	3.24B	3.41B	3.77B	3.60B	3.89B	4.22B	4.20B	4.50B	4.99B	5.65B	6.57B	5.33B	7.82B	9.02B	8.66B	10.74B	8.86B	12.00B	12.18B	14.73B	14.01B	14.23B	11.10B	11.70B	12.08B	10.24B	10.27B	14.81B	17.54B	20.06B	21.45B	28.61B	30.92B	36.63B	47.50B	48.29B	44.88B	44.31B	35.79B
Market Capitalization	1.01B	1.05B	1.03B	1.18B	0.99B	0.94B	0.93B	1.27B	1.20B	0.84B	1.28B	1.58B	1.45B	1.50B	1.47B	1.62B	1.64B	1.95B	2.17B	1.93B	2.19B	1.77B	2.32B	2.79B	2.82B	2.63B	2.93B	3.33B	3.52B	3.84B	3.69B	4.01B	4.32B	4.30B	4.59B	5.09B	5.77B	6.66B	5.41B	7.90B	9.10B	8.77B	10.85B	8.97B	12.12B	12.34B	14.87B	14.21B	14.47B	11.30B	11.86B	12.26B	10.40B	10.40B	14.95B	17.68B	20.22B	21.59B	28.77B	31.06B	36.79B	47.65B	48.47B	45.03B	44.50B	35.92B
Return Ratios
Return on Sales				0.10%	0.10%	0.11%	0.10%	0.09%	0.10%	0.12%	0.13%	0.15%	0.15%	0.14%	0.12%	0.12%	0.11%	0.12%	0.11%	0.12%	0.11%	0.12%	0.12%	0.11%	0.11%	0.10%	0.11%	0.11%	0.13%	0.12%	0.14%	0.14%	0.13%	0.14%	0.14%	0.14%	0.14%	0.13%	0.13%	0.13%	0.15%	0.17%	0.17%	0.19%	0.19%	0.18%	0.20%	0.21%	0.27%	0.30%	0.29%	0.32%	0.27%	0.27%	0.28%	0.27%	0.28%	0.28%	0.29%	0.30%	0.29%	0.30%	0.31%	0.31%	0.33%	0.33%
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%
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%
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%
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%

Research Tools

Fair Isaac Ratios (2009-2025) | FICO

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