Fair Isaac Net Income vs. Return On Asset

FICO Stock  USD 1,603  22.75  1.44%   
Based on the measurements of profitability obtained from Fair Isaac's financial statements, Fair Isaac is yielding more profit at the present time then in previous quarter. It has a moderate chance of reporting better profitability numbers in February. Profitability indicators assess Fair Isaac's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
1985-12-31
Previous Quarter
181.8 M
Current Value
155 M
Quarterly Volatility
38.4 M
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
At this time, Fair Isaac's Price To Sales Ratio is very stable compared to the past year. As of the 8th of January 2026, EV To Sales is likely to grow to 18.61, while Days Sales Outstanding is likely to drop 90.29. At this time, Fair Isaac's Net Income Per Share is very stable compared to the past year. As of the 8th of January 2026, Income Quality is likely to grow to 1.83, though Accumulated Other Comprehensive Income is likely to grow to (78.7 M). At this time, Fair Isaac's Gross Profit is very stable compared to the past year. As of the 8th of January 2026, Pretax Profit Margin is likely to grow to 0.38, while Gross Profit Margin is likely to drop 0.54.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.540.74
Way Down
Slightly volatile
Net Profit Margin0.310.29
Notably Up
Slightly volatile
Operating Profit Margin0.440.42
Sufficiently Up
Slightly volatile
Pretax Profit Margin0.380.36
Notably Up
Slightly volatile
Return On Assets0.330.31
Notably Up
Slightly volatile
For Fair Isaac profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Fair Isaac to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Fair Isaac utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Fair Isaac's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Fair Isaac over time as well as its relative position and ranking within its peers.

Fair Isaac's Revenue Breakdown by Earning Segment

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To learn how to invest in Fair Stock, please use our How to Invest in Fair Isaac guide.The next projected EPS of Fair Isaac is estimated to be 7.07 with future projections ranging from a low of 6.6175 to a high of 8.16. Fair Isaac's most recent 12-month trailing earnings per share (EPS TTM) is at 26.24. Please be aware that the consensus of earnings estimates for Fair Isaac is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
Fair Isaac is projected to generate 7.07 in earnings per share on the 31st of December 2025. Fair Isaac earnings estimates show analyst consensus about projected Fair Isaac EPS (Earning Per Share). It derives the highest and the lowest estimates based on Fair Isaac's historical volatility. Many public companies, such as Fair Isaac, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

Fair Isaac Revenue Breakdown by Earning Segment

By analyzing Fair Isaac's earnings estimates, investors can diagnose different trends across Fair Isaac's analyst sentiment over time as well as compare current estimates against different timeframes.
Is Application Software space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Fair Isaac. If investors know Fair will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Fair Isaac listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.179
Earnings Share
26.24
Revenue Per Share
82.135
Quarterly Revenue Growth
0.136
Return On Assets
0.3262
The market value of Fair Isaac is measured differently than its book value, which is the value of Fair that is recorded on the company's balance sheet. Investors also form their own opinion of Fair Isaac's value that differs from its market value or its book value, called intrinsic value, which is Fair Isaac's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Fair Isaac's market value can be influenced by many factors that don't directly affect Fair Isaac's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Fair Isaac's value and its price as these two are different measures arrived at by different means. Investors typically determine if Fair Isaac is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Fair Isaac's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Fair Isaac Return On Asset vs. Net Income Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining Fair Isaac's current stock value. Our valuation model uses many indicators to compare Fair Isaac value to that of its competitors to determine the firm's financial worth.
Fair Isaac is rated below average in net income category among its peers. It is rated # 2 in return on asset category among its peers . The ratio of Net Income to Return On Asset for Fair Isaac is about  1,998,608,216 . At this time, Fair Isaac's Net Income is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Fair Isaac's earnings, one of the primary drivers of an investment's value.

Fair Isaac's Earnings Breakdown by Geography

Fair Return On Asset vs. Net Income

Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.

Fair Isaac

Net Income

 = 

(Rev + Gain)

-

(Exp + Loss)

 = 
651.95 M
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Return on Asset or ROA shows how effective is the management of the company in generating income from utilizing all of the assets at their disposal. It is a useful ratio to evaluate the performance of different departments of a company as well as to understand management performance over time.

Fair Isaac

Return On Asset

 = 

Net Income

Total Assets

 = 
0.33
Return on Asset measures overall efficiency of a company in generating profits from its total assets. It is expressed as the percentage of profits earned per dollar of Asset. A low ROA typically means that a company is asset-intensive and therefore will needs more money to continue generating revenue in the future.

Fair Return On Asset Comparison

Fair Isaac is currently under evaluation in return on asset category among its peers.

Fair Isaac Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in Fair Isaac, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Fair Isaac will eventually generate negative long term returns. The profitability progress is the general direction of Fair Isaac's change in net profit over the period of time. It can combine multiple indicators of Fair Isaac, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-82.8 M-78.7 M
Operating Income1.1 B1.1 B
Income Before Tax923 M969.1 M
Total Other Income Expense Net-110 M-104.5 M
Net Income749.7 M787.2 M
Income Tax Expense173.2 M181.9 M
Net Income Applicable To Common Shares493.8 M518.5 M
Net Income From Continuing Ops749.7 M787.2 M
Non Operating Income Net Other-2.5 M-2.3 M
Interest Income45.7 M33.6 M
Net Interest Income-120.3 M-114.3 M
Change To Netincome101.6 M58.5 M
Net Income Per Share 24.21  25.42 
Income Quality 1.37  1.83 
Net Income Per E B T 0.73  0.54 

Fair Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on Fair Isaac. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Fair Isaac position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Fair Isaac's important profitability drivers and their relationship over time.

Fair Isaac Earnings Estimation Breakdown

The calculation of Fair Isaac's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Fair Isaac is estimated to be 7.07 with the future projection ranging from a low of 6.6175 to a high of 8.16. Please be aware that this consensus of annual earnings estimates for Fair Isaac is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
7.74
6.62
Lowest
Expected EPS
7.07
8.16
Highest

Fair Isaac Earnings Projection Consensus

Suppose the current estimates of Fair Isaac's value are higher than the current market price of the Fair Isaac stock. In this case, investors may conclude that Fair Isaac is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Fair Isaac's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of December 2025Current EPS (TTM)
1894.62%
7.74
7.07
26.24

Fair Isaac Earnings History

Earnings estimate consensus by Fair Isaac analysts from Wall Street is used by the market to judge Fair Isaac's stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only Fair Isaac's upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.

Fair Isaac Quarterly Gross Profit

424.57 Million

At this time, Fair Isaac's Retained Earnings are very stable compared to the past year. As of the 8th of January 2026, Price Earnings Ratio is likely to grow to 52.58, while Retained Earnings Total Equity is likely to drop about 1.8 B. As of the 8th of January 2026, Common Stock Shares Outstanding is likely to grow to about 34 M. Also, Net Income Applicable To Common Shares is likely to grow to about 518.5 M.
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Fair Isaac's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Hype
Prediction
LowEstimatedHigh
1,5761,5781,739
Details
Intrinsic
Valuation
LowRealHigh
1,4221,5881,591
Details
19 Analysts
Consensus
LowTargetHigh
1,8412,0232,246
Details
Earnings
Estimates (0)
LowProjected EPSHigh
6.627.078.16
Details
Note that many institutional investors and large investment bankers can move markets due to the volume of Fair assets they manage. They also follow analysts to some degree and often drive overall investor sentiments towards Fair Isaac. With so many stockholders watching consensus numbers, the difference between actual and projected earnings is one of the most critical factors driving Fair Isaac's stock price in the short term.

Fair Isaac Earnings per Share Projection vs Actual

Actual Earning per Share of Fair Isaac refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering Fair Isaac predict the company's earnings will be in the future. The higher the earnings per share of Fair Isaac, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.

Fair Isaac Estimated Months Earnings per Share

For an investor who is primarily interested in generating an income out of investing in entities such as Fair Isaac, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of Fair Isaac should always be considered in relation to other companies to make a more educated investment decision.

Fair Quarterly Analyst Estimates and Surprise Metrics

Earnings surprises can significantly impact Fair Isaac's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2025-11-05
2025-09-307.317.740.43
2025-07-30
2025-06-307.78.570.8711 
2025-04-29
2025-03-317.447.810.37
2025-02-04
2024-12-316.085.79-0.29
2024-11-06
2024-09-306.396.540.15
2024-07-31
2024-06-306.326.25-0.07
2024-04-25
2024-03-315.816.140.33
2024-01-25
2023-12-315.064.81-0.25
2023-11-08
2023-09-305.215.01-0.2
2023-08-02
2023-06-305.255.660.41
2023-04-27
2023-03-315.044.78-0.26
2023-01-26
2022-12-314.184.260.08
2022-11-09
2022-09-304.124.40.28
2022-08-03
2022-06-303.984.470.4912 
2022-04-27
2022-03-313.734.680.9525 
2022-01-27
2021-12-313.363.70.3410 
2021-11-10
2021-09-303.133.920.7925 
2021-08-03
2021-06-302.763.380.6222 
2021-05-05
2021-03-312.63.060.4617 
2021-01-28
2020-12-312.272.740.4720 
2020-11-10
2020-09-302.323.250.9340 
2020-07-29
2020-06-302.162.580.4219 
2020-04-29
2020-03-311.762.140.3821 
2020-01-30
2019-12-311.861.8-0.06
2019-11-04
2019-09-301.682.010.3319 
2019-07-31
2019-06-301.882.50.6232 
2019-04-30
2019-03-311.631.56-0.07
2019-01-30
2018-12-311.421.450.03
2018-11-01
2018-09-302.021.89-0.13
2018-07-26
2018-06-301.631.51-0.12
2018-04-26
2018-03-311.371.540.1712 
2018-01-25
2017-12-311.091.30.2119 
2017-11-01
2017-09-301.691.65-0.04
2017-07-31
2017-06-301.381.16-0.2215 
2017-04-27
2017-03-311.11.05-0.05
2017-01-31
2016-12-310.640.5-0.1421 
2016-11-07
2016-09-300.750.890.1418 
2016-07-28
2016-06-300.721.080.3650 
2016-05-04
2016-03-310.710.720.01
2016-01-28
2015-12-310.450.590.1431 
2015-11-05
2015-09-301.150.86-0.2925 
2015-07-29
2015-06-300.720.62-0.113 
2015-04-23
2015-03-310.560.580.02
2015-01-29
2014-12-310.620.43-0.1930 
2014-11-06
2014-09-300.911.040.1314 
2014-07-24
2014-06-300.680.58-0.114 
2014-04-24
2014-03-310.610.59-0.02
2014-01-22
2013-12-310.640.47-0.1726 
2013-10-30
2013-09-300.810.79-0.02
2013-07-30
2013-06-300.660.61-0.05
2013-04-24
2013-03-310.670.51-0.1623 
2013-01-30
2012-12-310.730.770.04
2012-11-01
2012-09-300.620.690.0711 
2012-07-25
2012-06-300.590.590.0
2012-04-25
2012-03-310.550.550.0
2012-01-26
2011-12-310.620.810.1930 
2011-11-02
2011-09-300.610.640.03
2011-08-03
2011-06-300.540.580.04
2011-05-04
2011-03-310.430.39-0.04
2011-01-26
2010-12-310.410.420.01
2010-11-03
2010-09-300.410.410.0
2010-07-28
2010-06-300.370.40.03
2010-04-28
2010-03-310.370.28-0.0924 
2010-01-27
2009-12-310.350.370.02
2009-11-04
2009-09-300.410.35-0.0614 
2009-07-22
2009-06-300.360.370.01
2009-04-22
2009-03-310.310.370.0619 
2009-01-28
2008-12-310.320.25-0.0721 
2008-11-05
2008-09-300.360.420.0616 
2008-07-23
2008-06-300.380.410.03
2008-04-28
2008-03-310.430.440.01
2008-01-22
2007-12-310.390.390.0
2007-10-30
2007-09-300.410.480.0717 
2007-07-25
2007-06-300.360.420.0616 
2007-04-25
2007-03-310.460.37-0.0919 
2007-01-24
2006-12-310.580.48-0.117 
2006-11-01
2006-09-300.570.60.03
2006-07-26
2006-06-300.540.550.01
2006-04-26
2006-03-310.520.5-0.02
2006-01-25
2005-12-310.50.520.02
2005-11-02
2005-09-300.490.530.04
2005-07-27
2005-06-300.440.530.0920 
2005-04-27
2005-03-310.390.450.0615 
2005-01-26
2004-12-310.360.360.0
2004-11-10
2004-09-300.20.20.0
2004-07-28
2004-06-300.340.390.0514 
2004-04-29
2004-03-310.420.420.0
2004-01-26
2003-12-310.380.390.01
2003-11-03
2003-09-300.430.430.0
2003-07-23
2003-06-300.380.40.02
2003-04-23
2003-03-310.310.350.0412 
2003-01-22
2002-12-310.240.250.01
2002-10-30
2002-09-300.290.330.0413 
2002-07-18
2002-06-300.280.280.0
2002-04-23
2002-03-310.260.260.0
2002-01-29
2001-12-310.240.250.01
2001-10-25
2001-09-300.250.270.02
2001-07-26
2001-06-300.220.240.02
2001-04-26
2001-03-310.190.210.0210 
2001-01-25
2000-12-310.170.180.01
2000-10-30
2000-09-300.150.170.0213 
2000-07-20
2000-06-300.160.160.0
2000-04-25
2000-03-310.140.160.0214 
2000-01-20
1999-12-310.150.160.01
1999-10-28
1999-09-300.160.220.0637 
1999-07-22
1999-06-300.150.150.0
1999-04-22
1999-03-310.150.160.01
1999-01-21
1998-12-310.130.150.0215 
1998-10-29
1998-09-300.140.170.0321 
1998-07-23
1998-06-300.120.130.01
1998-04-23
1998-03-310.10.110.0110 
1998-01-22
1997-12-310.10.08-0.0220 
1997-10-29
1997-09-300.130.130.0
1997-07-23
1997-06-300.110.09-0.0218 
1997-04-23
1997-03-310.110.120.01
1997-01-22
1996-12-310.110.1-0.01
1996-10-23
1996-09-300.10.110.0110 
1996-07-17
1996-06-300.090.10.0111 
1996-04-17
1996-03-310.080.10.0225 

Use Fair Isaac in pair-trading

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Fair Isaac position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Fair Isaac will appreciate offsetting losses from the drop in the long position's value.

Fair Isaac Pair Trading

Fair Isaac Pair Trading Analysis

The ability to find closely correlated positions to Fair Isaac could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Fair Isaac when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Fair Isaac - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Fair Isaac to buy it.
The correlation of Fair Isaac is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Fair Isaac moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Fair Isaac moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Fair Isaac can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Use Investing Themes to Complement your Fair Isaac position

In addition to having Fair Isaac in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Run ESG Investing Thematic Idea Now

ESG Investing
ESG Investing Theme
Sustainable investments that promote the conservation of the natural world, social resposibility, freindly employees policies and strong governance. The ESG Investing theme has 47 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize ESG Investing Theme or any other thematic opportunities.
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When determining whether Fair Isaac offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Fair Isaac's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Fair Isaac Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Fair Isaac Stock:
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To learn how to invest in Fair Stock, please use our How to Invest in Fair Isaac guide.
You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
To fully project Fair Isaac's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Fair Isaac at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Fair Isaac's income statement, its balance sheet, and the statement of cash flows.
Potential Fair Isaac investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although Fair Isaac investors may work on each financial statement separately, they are all related. The changes in Fair Isaac's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Fair Isaac's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.