FAIR ISAAC CORP（FICO）の決算・業績分析
FAIR ISAAC CORPの2025年有価証券報告書をAI分析。売上高$2.0B(+15.9%)。営業利益$925M。Industrials。
目次
FAIR ISAAC CORPの2025年度 業績サマリー
FAIR ISAAC CORP（証券コード: FICO）の2025年度決算・業績分析。売上高は$2.0B（前年比+15.9%）。営業利益は$925M（前年比+26.1%）。純利益は$652M（前年比+27.1%）。有価証券報告書を基に、業績変化の要因・リスク・見通し・セグメント構成を AI が分析しました。
FAIR ISAAC CORPの2024年度 注目ポイント
※ 直近の2025年度XBRLデータは取込済みですが、AI分析は2024年度の10-Kを対象としています。
- Revenue grew 4.6% YoY to $1.4B (XBRL), but net income declined 4.7% YoY to $374M (XBRL).
- Operating income increased 7.3% YoY to $542M (XBRL), with operating margin at 39.4% (XBRL).
- Net debt reached $1.7B (3.0x EBITDA) (XBRL), while share repurchases totaled $1.1B (XBRL).
- ROE plummeted to -336.7% (XBRL), reflecting significant equity decline (-$802M as of FY2025) (XBRL).
FAIR ISAAC CORPの売上高変化の要因
- •Revenue grew 4.6% YoY to $1.4B (XBRL), with 5-year CAGR of 6.9% (XBRL). Operating income surged 7.3% YoY to $542M (XBRL), reflecting 5-year CAGR of 26.2% (XBRL). The Software segment (pre-configured analytic solutions, SaaS) and Scores segment (B2B scoring models) drove growth, though net income declined 4.7% YoY to $374M (XBRL) due to share repurchases and debt-related expenses.
FAIR ISAAC CORPの営業利益変化の要因
- •Operating margin expanded to 39.4% (XBRL), up from 38.8% in FY2023 (historical data). Net margin contracted to 27.1% (XBRL) from 28.8% in FY2023 (historical data). EBITDA margin remained stable at 40.9% (XBRL). Net income declined 4.7% YoY to $374M (XBRL), despite operating income growth, due to rising debt-related costs and share repurchase expenses.
FAIR ISAAC CORPの事業リスクと対応
Failure to execute the Software segment's cloud-based strategy could harm growth (10-K).
Reliance on key products (e.g., FICO® Scores) may lead to revenue decline if market acceptance wanes (10-K).
Delays or defects in new product development could damage business reputation (10-K).
Regulatory approval challenges for credit score models may hinder operations (10-K).
High net debt ($1.7B, 3.0x EBITDA) and negative ROE (-336.7%) (XBRL) pose financial leverage risks.
FAIR ISAAC CORPの事業内容
Fair Isaac Corp (FICO) is an applied analytics company that generates revenue through B2B scoring solutions (e.g., FICO® Scores) and Software segment offerings (pre-configured analytic solutions, SaaS, and on-premises software) (10-K). Key products include B2B scoring models (e.g., FICO® Resilience Index) and B2C subscription services (myFICO.com). The company serves banks, insurers, retailers, and other businesses across 80+ countries with no significant customer concentration (10-K). Competitive advantages include proprietary analytic algorithms, industry-standard scoring models, and long-term innovation (e.g., trended credit data integration) (10-K).
FAIR ISAAC CORPのAI業績分析レポート（2024年度）
Fair Isaac Corp (FICO) FY2024 Annual Report Analysis
Highlights
Business Overview
Fair Isaac Corp (FICO) is an applied analytics company that generates revenue through B2B scoring solutions (e.g., FICO® Scores) and Software segment offerings (pre-configured analytic solutions, SaaS, and on-premises software) (10-K). Key products include B2B scoring models (e.g., FICO® Resilience Index) and B2C subscription services (myFICO.com). The company serves banks, insurers, retailers, and other businesses across 80+ countries with no significant customer concentration (10-K). Competitive advantages include proprietary analytic algorithms, industry-standard scoring models, and long-term innovation (e.g., trended credit data integration) (10-K).
Revenue Analysis
Revenue grew 4.6% YoY to $1.4B (XBRL), with 5-year CAGR of 6.9% (XBRL). Operating income surged 7.3% YoY to $542M (XBRL), reflecting 5-year CAGR of 26.2% (XBRL). The Software segment (pre-configured analytic solutions, SaaS) and Scores segment (B2B scoring models) drove growth, though net income declined 4.7% YoY to $374M (XBRL) due to share repurchases and debt-related expenses.
Profitability Analysis
Operating margin expanded to 39.4% (XBRL), up from 38.8% in FY2023 (historical data). Net margin contracted to 27.1% (XBRL) from 28.8% in FY2023 (historical data). EBITDA margin remained stable at 40.9% (XBRL). Net income declined 4.7% YoY to $374M (XBRL), despite operating income growth, due to rising debt-related costs and share repurchase expenses.
Balance Sheet Analysis
Equity ratio declined to -7.0% (XBRL), with total equity dropping to -$802M as of FY2025 (XBRL). Long-term debt rose to $1.8B (XBRL), resulting in net debt of $1.7B (3.0x EBITDA) (XBRL). Current ratio remained stable at 1.51x (XBRL). ROA improved to 23.7% (XBRL), while ROE collapsed to -336.7% (XBRL) due to negative equity.
Cash Flow Analysis
Operating cash flow increased 39.2% YoY to $509M (XBRL). Free cash flow (FCF) totaled $503M (XBRL), reflecting $6M CapEx (XBRL). Financing activities included $1.1B in share repurchases (XBRL), offset by $547M in net financing outflows (XBRL).
Working Capital Analysis
Receivables days increased to 103 days (XBRL), while payables days remained at 23 days (XBRL). Asset turnover declined slightly to 0.87x (XBRL). Cash balances stood at $137M (XBRL).
Risks
Outlook
N/A (no forward-looking guidance provided in 10-K).
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