FICO · CIK 0000814547 · FY2025 live · 2025-09-30
FAIR ISAAC CORP
View as
Model
Z″
FY2025
10.26
Zone
Safe
Prior
—
Market DD
—
1y PD
—
10.26
Classic Z 5.73
Z″ 10.26 · distress below 1.10, grey to 2.60, safe above.
Z″ factor contributions
X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
−0.086.56 × = −0.51X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
2.443.26 × = 7.94X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.506.72 × = 3.33X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
−0.481.05 × = −0.51
Five-year path
Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings rather than invent a series.
Overview
rule-v1
FAIR ISAAC CORP is on Z″ at 10.26 (safe) for FY2025, from an SEC 10-K. Retained earnings / assets is the line that sets the print. This is the first live year on the desk. No market tape loaded. Z″ drops sales/assets so asset-light names are not punished for turnover. X4 is book equity on every name.
Book screen Safe; market PD —. Tape not priced — not a single default call.
Market DD · naive Merton
No market tape yet.
Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.
Sector peers
Closest Z″ scores · 95th percentile in Industrials.
KPI widgets
Current assets
$705M
Total assets
$1.9B
Current liabilities
$849M
Total liabilities
$3.6B
Working capital
−$144M
Retained earnings
$4.6B
EBIT
$925M
Total sales
$2.0B
Book equity
−$1.7B
Accession 0000814547-25-000030. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-09-30). Z″ is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 12 Sept 2026.