Fair Isaac
FICO · Application Software
$815.31
1.0%Unity Software
U · Application Software
$40.79
1.3%The short version
- Fair Isaac is the larger business, with $2.0B of revenue in fiscal 2025 against $1.8B for Unity Software.
- Fair Isaac grew revenue faster (15.9%, against 2.0%).
- Fair Isaac kept more of each dollar of sales as operating profit (46.5% operating margin, against −25.9% operating margin).
- Fair Isaac turned more of its sales into free cash flow (38.7% FCF margin, against 21.8% FCF margin).
- Fair Isaac earned a higher return on the capital invested in it (65.6%, against −10.3%).
| Latest fiscal year | FICO · FY25 | U · FY25 |
|---|---|---|
| Size | ||
| Market cap | $18.5B | $17.9B |
| Revenue | $2.0B | $1.8B |
| Free cash flow | $770M | $404M |
| Net income | $652M | −$403M |
| Growth | ||
| Revenue growth | 15.9% | 2.0% |
| 5-year growth | 9.0% | 19.1% |
| Share count change | −2.1% | 6.3% |
| Profitability | ||
| Gross margin | 82.2% | 74.2% |
| Operating margin | 46.5% | −25.9% |
| Net margin | 32.8% | −21.8% |
| FCF margin | 38.7% | 21.8% |
| Return on capital | 65.6% | −10.3% |
| Return on equity | — | −12.5% |
| Balance sheet | ||
| Net debt | $2.9B | $180M |
| Net debt / EBITDA | 3.1x | — |
| Dividends and buybacks | $1.4B | $0.0M |
| Valuation & quality | ||
| P/E | 23.6x | — |
| Piotroski F-score | 7 | 5 |
FY16
FICO $881M
U —
FY17
FICO $932M
U —
FY18
FICO $1.0B
U $381M
FY19
FICO $1.2B
U $542M
FY20
FICO $1.3B
U $772M
FY21
FICO $1.3B
U $1.1B
FY22
FICO $1.4B
U $1.4B
FY23
FICO $1.5B
U $2.2B
FY24
FICO $1.7B
U $1.8B
FY25
FICO $2.0B
U $1.8B
FICO
U
FY16
FICO 19.2%
U —
FY17
FICO 19.5%
U —
FY18
FICO 17.0%
U −34.2%
FY19
FICO 21.9%
U −27.8%
FY20
FICO 22.9%
U −35.6%
FY21
FICO 38.4%
U −47.9%
FY22
FICO 39.4%
U −63.4%
FY23
FICO 42.5%
U −38.1%
FY24
FICO 42.7%
U −41.7%
FY25
FICO 46.5%
U −25.9%
FICO
U
FY16
FICO $188M
U —
FY17
FICO $206M
U —
FY18
FICO $192M
U −$119M
FY19
FICO $236M
U −$95.0M
FY20
FICO $343M
U −$20.2M
FY21
FICO $416M
U −$153M
FY22
FICO $503M
U −$117M
FY23
FICO $465M
U $179M
FY24
FICO $624M
U $286M
FY25
FICO $770M
U $404M
FICO
U
FY16
FICO 17.7%
U —
FY17
FICO 23.5%
U —
FY18
FICO 21.5%
U —
FY19
FICO 32.7%
U —
FY20
FICO 34.1%
U —
FY21
FICO 61.0%
U −26.9%
FY22
FICO 64.5%
U −19.9%
FY23
FICO 53.2%
U −14.7%
FY24
FICO 56.0%
U −14.5%
FY25
FICO 65.6%
U −10.3%
FICO
U
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.