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FICOFair Isaac

Technology · Business Services · NYSE

Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the “Company,” which may also be referred to in this report as “we,” “us,” “our,” and “FICO”) is a global analytics software leader. 10-K, Item 1

FICO quote by TradingView
Headquarters
Bozeman, MT
CEO
William J. Lansing
Next results
around Jan 27, 2027
Compare with peers → Embed
All key numbers (37, from the latest 10-K and 10-Q) From EDGAR
EPS (ttm)36.32Sales (ttm)2.5BNet income (ttm)835.0MSales growth+27.3%EPS growth+36.9%Sales Q/Q-
Free cash flow1.1BGross margin86.1%Oper. margin49.9%Net margin32.9%FCF margin42.2%ROEn/m
ROA40.2%R&D / sales8.3%Dividend-Debt/Eqn/mCurr. ratio0.99Cash217.6M
Op. cash flow (ttm)1.1BEBITDA1.3BEBITDA margin50.6%Net debt5.0BQuick ratio0.99Interest cover5.67
Tax rate24.1%Stock pay / sales7.3%Shares out.21.4MShares Y/Y-6.4%Book / share-181.15Cash / share10.18
Sales / share118.56Asset turnover1.22Days sales out.87Sales 3Y CAGR+18.8%Sales 5Y CAGR+14.0%EPS 3Y CAGR+29.0%
EPS 5Y CAGR+22.1%

Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.

Changes in the numbers

FY2026 against FY2025
  • Debt rose 72%$3.1B → $5.3B · Short-term + long-term debt at year end
  • Free cash flow rose 39%$769.9M → $1.1B · Cash from operations − capital expenditure · 10-K ↗
  • Revenue growth sped up to +27.3%+15.9% → +27.3% · Revenue FY2026 / revenue FY2025 − 1, against the same a year earlier · 10-K ↗
  • Operating margin widened to 49.9%46.5% → 49.9% · Operating income / revenue · 10-K ↗
What management wrote about it → · Every company →

FICO against Technology peers

Ten years, side by side → · All 75 →
GrowthProfitBalanceCleanInsiders
FICOPeer median

Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How

Every dot is one of the 75 companies, the better end on the right. Hover a dot for the company.

Sales growth
+27.3%14th of 75 · median +14.1%
Net margin
32.9%14th of 75 · median 19.1%
Free cash flow margin
42.2%6th of 71 · median 22.3%
FICO and the 5 peers closest in revenue
CompanyRevenue (ttm)Sales growthGross marginNet marginROEFCF marginDebt / equity
FICO Fair Isaac$2.5B +27.3%86.1%32.9%-42.2%-
MPWR Monolithic Power Systems$3.7B +26.4%55.3%23.9%23.9%16.3%-
FFIV F5, Inc.$3.3B +9.7%81.9%22.0%18.8%29.3%-
PTC PTC Inc.$3.0B +19.2%84.5%41.4%35.3%31.7%0.40
TYL Tyler Technologies$2.5B +9.1%47.7%13.5%12.0%29.9%0.51
VRSN Verisign$1.7B +6.4%88.6%49.1%-59.1%-

From $1.4B of sales to $373.5M of profit

FY2022, from the 10-K income statement
Revenue to Gross profit: $1.1BRevenue to Cost of revenue: $302.2MGross profit to Operating profit: $542.4MGross profit to Operating expenses: $532.7MOperating profit to Net profit: $373.5MOperating profit to Tax & other: $168.9MOperating expenses to R&D: $146.8MOperating expenses to SG&A: $385.9M Revenue: $1.4B Revenue$1.4B +5% Y/Y Gross profit: $1.1B · 78% margin Gross profit$1.1B78% margin Cost of revenue: $302.2M · 22% of revenue Cost of revenue$302.2M22% of revenue Operating profit: $542.4M · 39% margin Operating profit$542.4M39% margin +7% Y/Y Operating expenses: $532.7M · 39% of revenue Operating expenses$532.7M39% of revenue Net profit: $373.5M · 27% margin Net profit$373.5M27% margin −5% Y/Y Tax & other: $168.9M · 12% of revenue Tax & other$168.9M12% of revenue R&D: $146.8M · 11% of revenue R&D$146.8M11% of revenue SG&A: $385.9M · 28% of revenue SG&A$385.9M28% of revenue

Swipe sideways for the whole flow →

From $1.5B of sales to $429.4M of profit

FY2023, from the 10-K income statement and revenue by product
Scores to Revenue: $773.8MOn-premises and SaaS software to Revenue: $640.2MProfessional services to Revenue: $99.5MRevenue to Gross profit: $1.2BRevenue to Cost of revenue: $311.1MGross profit to Operating profit: $642.8MGross profit to Operating expenses: $559.7MOperating profit to Net profit: $429.4MOperating profit to Tax & other: $213.5MOperating expenses to R&D: $159.9MOperating expenses to SG&A: $399.7M Scores: $773.8M · 51% Scores$773.8M51% On-premises and SaaS software: $640.2M · 42% On-premises and SaaS so…$640.2M42% Professional services: $99.5M · 7% Professional services$99.5M7% Revenue: $1.5B Revenue$1.5B +10% Y/Y Gross profit: $1.2B · 79% margin Gross profit$1.2B79% margin Cost of revenue: $311.1M · 21% of revenue Cost of revenue$311.1M21% of revenue Operating profit: $642.8M · 42% margin Operating profit$642.8M42% margin +19% Y/Y Operating expenses: $559.7M · 37% of revenue Operating expenses$559.7M37% of revenue Net profit: $429.4M · 28% margin Net profit$429.4M28% margin +15% Y/Y Tax & other: $213.5M · 14% of revenue Tax & other$213.5M14% of revenue R&D: $159.9M · 11% of revenue R&D$159.9M11% of revenue SG&A: $399.7M · 26% of revenue SG&A$399.7M26% of revenue

Swipe sideways for the whole flow →

From $1.7B of sales to $512.8M of profit

FY2024, from the 10-K income statement and revenue by product
Scores to Revenue: $919.6MOn-premises and SaaS software to Revenue: $711.3MProfessional services to Revenue: $86.5MRevenue to Gross profit: $1.4BRevenue to Cost of revenue: $348.2MGross profit to Operating profit: $733.6MGross profit to Operating expenses: $635.7MOperating profit to Net profit: $512.8MOperating profit to Tax & other: $220.8MOperating expenses to R&D: $171.9MOperating expenses to SG&A: $463.8M Scores: $919.6M · 54% Scores$919.6M54% On-premises and SaaS software: $711.3M · 41% On-premises and SaaS so…$711.3M41% Professional services: $86.5M · 5% Professional services$86.5M5% Revenue: $1.7B Revenue$1.7B +13% Y/Y Gross profit: $1.4B · 80% margin Gross profit$1.4B80% margin Cost of revenue: $348.2M · 20% of revenue Cost of revenue$348.2M20% of revenue Operating profit: $733.6M · 43% margin Operating profit$733.6M43% margin +14% Y/Y Operating expenses: $635.7M · 37% of revenue Operating expenses$635.7M37% of revenue Net profit: $512.8M · 30% margin Net profit$512.8M30% margin +19% Y/Y Tax & other: $220.8M · 13% of revenue Tax & other$220.8M13% of revenue R&D: $171.9M · 10% of revenue R&D$171.9M10% of revenue SG&A: $463.8M · 27% of revenue SG&A$463.8M27% of revenue

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From $2.0B of sales to $651.9M of profit

FY2025, from the 10-K income statement and revenue by product
Scores to Revenue: $1.2BOn-premises and SaaS software to Revenue: $740.1MProfessional services to Revenue: $82.1MRevenue to Gross profit: $1.6BRevenue to Cost of revenue: $353.7MGross profit to Operating profit: $924.9MGross profit to Operating expenses: $712.3MOperating profit to Net profit: $651.9MOperating profit to Tax & other: $272.9MOperating expenses to R&D: $188.3MOperating expenses to SG&A: $524.0M Scores: $1.2B · 59% Scores$1.2B59% On-premises and SaaS software: $740.1M · 37% On-premises and SaaS so…$740.1M37% Professional services: $82.1M · 4% Professional services$82.1M4% Revenue: $2.0B Revenue$2.0B +16% Y/Y Gross profit: $1.6B · 82% margin Gross profit$1.6B82% margin Cost of revenue: $353.7M · 18% of revenue Cost of revenue$353.7M18% of revenue Operating profit: $924.9M · 46% margin Operating profit$924.9M46% margin +26% Y/Y Operating expenses: $712.3M · 36% of revenue Operating expenses$712.3M36% of revenue Net profit: $651.9M · 33% margin Net profit$651.9M33% margin +27% Y/Y Tax & other: $272.9M · 14% of revenue Tax & other$272.9M14% of revenue R&D: $188.3M · 9% of revenue R&D$188.3M9% of revenue SG&A: $524.0M · 26% of revenue SG&A$524.0M26% of revenue

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From $2.5B of sales to $835.0M of profit

FY2026, from the 10-K income statement and revenue by product
Scores to Revenue: $1.7BOn-premises and SaaS software to Revenue: $808.1MProfessional services to Revenue: $74.5MRevenue to Gross profit: $2.2BRevenue to Cost of revenue: $351.5MGross profit to Operating profit: $1.3BGross profit to Operating expenses: $917.7MOperating profit to Net profit: $835.0MOperating profit to Tax & other: $430.7MOperating expenses to R&D: $209.3MOperating expenses to Sales, admin & other: $708.4M Scores: $1.7B · 65% Scores$1.7B65% On-premises and SaaS software: $808.1M · 32% On-premises and SaaS so…$808.1M32% Professional services: $74.5M · 3% Professional services$74.5M3% Revenue: $2.5B Revenue$2.5B +27% Y/Y Gross profit: $2.2B · 86% margin Gross profit$2.2B86% margin Cost of revenue: $351.5M · 14% of revenue Cost of revenue$351.5M14% of revenue Operating profit: $1.3B · 50% margin Operating profit$1.3B50% margin +37% Y/Y Operating expenses: $917.7M · 36% of revenue Operating expenses$917.7M36% of revenue Net profit: $835.0M · 33% margin Net profit$835.0M33% margin +28% Y/Y Tax & other: $430.7M · 17% of revenue Tax & other$430.7M17% of revenue R&D: $209.3M · 8% of revenue R&D$209.3M8% of revenue Sales, admin & other: $708.4M · 28% of revenue Sales, admin & other$708.4M28% of revenue

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Where each $100 of sales went

FY2022
FY2023
FY2024
FY2025
FY2026
  • Cost of revenue
  • R&D
  • Sales, admin & other
  • Tax & other
  • Net profit

Band widths are the money. Gross profit is revenue less cost of revenue; operating expenses are gross profit less operating profit; R&D is from the income statement and the rest of the operating expenses is everything else; tax includes interest and other items when they are small. Y/Y is the change from the fiscal year before. Revenue by part only for the years in the last two 10-Ks' segment tables. The full income statement →

Profitability

2 of 2
  • ✓
    Net margin above the peer median32.9% vs 19.1%
  • ✓
    A profit in every one of 10 years
Net margin, FY2017 to FY2026: 14.3% → 32.9%

Balance sheet

1 of 4
  • ✓
    Interest covered more than 5 timesOperating income is 5.7× interest expense
  • !
    Equity below zeroDebt $5.3B, equity −$3.9B
  • !
    Current ratio below 1Current ratio 0.99
  • !
    Net debt over 3 years of free cash flow$5.0B net debt, 4.7 years
Debt / equity at each year end, FY2017 to FY2026: 1.30 → 2.52
What the debt is made of ↓

Cash and shareholders

3 of 3
  • ✓
    Free cash flow positive in every one of 10 years$1.1B last year
  • ✓
    Share count down over 5 years−21.4%
  • ✓
    Cash from operations above net income$1.1B vs $835.0M
Free cash flow, FY2017 to FY2026: 205.8M → 1.1B

Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.

What the debt is made of, and when it is due

balance sheet of Sep 30, 2026
Debt: $5.3B Debt$5.3B Long-term debt: $4.9B · 94% Long-term debt$4.9B · 94% Due within a year: $337.5M · 6% Due within a year$337.5M · 6%

The debt note's own lines, 2026-09-30

Fixed rate $0Floating $1.2B Not stated $8.4B

Line, as the company names itKindRateFixed or floatingAmount
Senior NotesNotes and bonds–not stated$3.4B
The 2025 Senior Notes (Senior Notes)Notes and bonds–not stated$1.5B
The 2018 Senior Notes (Senior Notes)Notes and bonds–not stated$1.5B
Revolving line of creditBank loans–floating$1.2B
The 2026 Senior Notes (Senior Notes)Notes and bonds–not stated$1.0B
The 2026 Senior Notes (Senior Notes)Notes and bonds–not stated$1.0B

From the debt note in the 10-K's XBRL (0000814547-26-000042), as the company tags it: by issue, by year, by currency or by kind. Lines from two ways of cutting the same debt can overlap, so they are not added up. Fixed or floating is read from the line's own name only; "not stated" when it says neither.

Left: the debt lines on the balance sheet (XBRL). Right: the principal due each year, from the debt note's maturity schedule; it can differ a little from the balance sheet, which shows the debt net of discounts and fees. Leases are not counted. The full schedule →

Revenue and net income, FY2017 to FY2026

Revenue 2.5B Net income 835.0M
FY2017 revenue 935.0M · RevenueFromContractWithCustomerExcludingAssessedTax, 0000814547-19-000016 FY2017 net income 133.4M · NetIncomeLoss, 0000814547-19-000016 935.0M FY2017 FY2018 revenue 1.0B · Revenues, 0000814547-18-000010 FY2018 net income 126.5M · NetIncomeLoss, 0000814547-20-000012 1.0B FY2018 FY2019 revenue 1.2B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000814547-21-000019 FY2019 net income 192.1M · NetIncomeLoss, 0000814547-21-000019 1.2B FY2019 FY2019 revenue 1.3B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000814547-22-000016 FY2019 net income 236.4M · NetIncomeLoss, 0000814547-22-000016 1.3B FY2019 FY2021 revenue 1.3B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000814547-23-000022 FY2021 net income 392.1M · NetIncomeLoss, 0000814547-23-000022 1.3B FY2021 FY2022 revenue 1.4B · RevenueFromContractWithCustomerExcludingAssessedTax, 0001628280-24-045719 FY2022 net income 373.5M · NetIncomeLoss, 0001628280-24-045719 1.4B FY2022 FY2023 revenue 1.5B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000814547-25-000030 FY2023 net income 429.4M · NetIncomeLoss, 0000814547-25-000030 1.5B FY2023 FY2024 revenue 1.7B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000814547-26-000042 FY2024 net income 512.8M · NetIncomeLoss, 0000814547-26-000042 1.7B FY2024 FY2025 revenue 2.0B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000814547-26-000042 FY2025 net income 651.9M · NetIncomeLoss, 0000814547-26-000042 2.0B FY2025 FY2026 revenue 2.5B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000814547-26-000042 FY2026 net income 835.0M · NetIncomeLoss, 0000814547-26-000042 2.5B FY2026

From XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →

FICO's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.

Annual Quarterly
Revenue2.5B
FY2017: 935.0MFY2018: 1.0BFY2019: 1.2BFY2019: 1.3BFY2021: 1.3BFY2022: 1.4BFY2023: 1.5BFY2024: 1.7BFY2025: 2.0BFY2026: 2.5B FY2018FY2019FY2022FY2024FY2026
Net income835.0M
FY2017: 133.4MFY2018: 126.5MFY2019: 192.1MFY2019: 236.4MFY2021: 392.1MFY2022: 373.5MFY2023: 429.4MFY2024: 512.8MFY2025: 651.9MFY2026: 835.0M FY2018FY2019FY2022FY2024FY2026
Free cash flow1.1B
FY2017: 205.8MFY2018: 191.8MFY2019: 236.4MFY2019: 342.9MFY2021: 416.2MFY2022: 503.4MFY2023: 464.7MFY2024: 624.1MFY2025: 769.9MFY2026: 1.1B FY2018FY2019FY2022FY2024FY2026
EPS (diluted)36.32
FY2017: 4.14FY2018: 4.06FY2019: 6.34FY2019: 7.90FY2021: 13.40FY2022: 14.18FY2023: 16.93FY2024: 20.45FY2025: 26.54FY2026: 36.32 FY2018FY2019FY2022FY2024FY2026
Diluted shares23.0M
FY2017: 32.2MFY2018: 31.2MFY2019: 30.3MFY2019: 29.9MFY2021: 29.3MFY2022: 26.3MFY2023: 25.4MFY2024: 25.1MFY2025: 24.6MFY2026: 23.0M FY2018FY2019FY2022FY2024FY2026

Revenue by business segment

year to Sep 30, 2026
RevenueSharevs year before
Scores 1.7B65.2% +41.4%
Software 882.7M34.8% +7.3%

10-K 0000814547-26-000042, segment and revenue notes (XBRL).

Revenue by product or service

year to Sep 30, 2026
RevenueSharevs year before
Scores 1.7B65.2% +41.4%
On-premises and SaaS software 808.1M31.9% +9.2%
Professional services 74.5M2.9% -9.3%

10-K 0000814547-26-000042, segment and revenue notes (XBRL).

Revenue by region

year to Sep 30, 2026
RevenueSharevs year before
Americas 2.3B89.7% +31.2%
UNITED STATES 2.0B78.9% +33.3%
Europe, Middle East and Africa 169.8M6.7% +6.2%
Asia Pacific 91.9M3.6% -6.9%

10-K 0000814547-26-000042, segment and revenue notes (XBRL).

Income statement

From EDGAR
FY2017FY2018FY2019FY2019FY2021FY2022FY2023FY2024FY2025FY2026
Revenue935.0M1.0B1.2B1.3B1.3B1.4B1.5B1.7B2.0B2.5B
Cost of revenue287.6M312.9M336.8M361.1M332.5M302.2M311.1M348.2M353.7M351.5M
R&D110.9M128.4M149.5M166.5M171.2M146.8M159.9M171.9M188.3M209.3M
SG&A337.2M376.9M414.1M420.9M396.3M383.9M400.6M462.8M513.0M681.1M
Operating income182.2M175.4M253.5M296.0M505.5M542.4M642.8M733.6M924.9M1.3B
Interest expense25.8M31.3M39.8M42.2M40.1M69.0M95.5M105.6M133.6M223.3M
Pretax income156.3M156.9M216.1M257.0M473.1M471.3M553.6M642.0M802.6M1.1B
Income tax22.9M30.4M23.9M20.6M81.1M97.8M124.2M129.2M150.6M265.1M
Net income133.4M126.5M192.1M236.4M392.1M373.5M429.4M512.8M651.9M835.0M
EPS (diluted)4.144.066.347.9013.4014.1816.9320.4526.5436.32
Diluted shares32.2M31.2M30.3M29.9M29.3M26.3M25.4M25.1M24.6M23.0M
Depreciation & amortization36.2M30.2M31.6M30.4M25.6M20.5M14.6M13.8M15.0M16.7M
EBITDA218.4M205.5M285.2M326.3M531.1M562.9M657.5M747.5M939.8M1.3B
Operating margin19.5%17.0%21.9%22.9%38.4%39.4%42.5%42.7%46.5%49.9%
Net margin14.3%12.3%16.6%18.3%29.8%27.1%28.4%29.9%32.7%32.9%
Revenue growth-+10.4%+12.4%+11.6%+1.7%+4.6%+9.9%+13.5%+15.9%+27.3%
EPS growth--1.9%+56.2%+24.6%+69.6%+5.8%+19.4%+20.8%+29.8%+36.9%

Balance sheet

From EDGAR
FY2017FY2018FY2019FY2019FY2021FY2022FY2023FY2024FY2025FY2026
Cash105.6M90.0M106.4M157.4M195.4M133.2M136.8M150.7M134.1M217.6M
Receivables168.6M266.7M297.4M334.2M312.1M322.4M387.9M426.6M529.1M602.9M
Current assets310.9M396.4M455.7M534.1M551.0M484.7M556.4M617.4M705.2M911.7M
Property & equipment40.7M48.8M53.0M46.4M27.9M17.6M11.0M38.5M67.7M97.1M
Goodwill804.4M800.9M803.5M812.4M788.2M761.1M773.3M782.8M783.3M791.9M
Total assets1.3B1.3B1.4B1.6B1.6B1.4B1.6B1.7B1.9B2.1B
Accounts payable19.5M20.3M23.1M23.0M20.7M17.3M19.0M22.5M32.3M34.7M
Current liabilities326.7M473.9M490.8M414.5M559.2M331.5M367.7M380.3M849.2M919.7M
Total debt604.8M763.9M824.8M834.4M1.3B1.9B1.9B2.2B3.1B5.3B
Total liabilities829.1M1.0B1.1B1.3B1.7B2.2B2.3B2.7B3.6B5.9B
Shareholders' equity466.2M287.4M289.8M331.1M-110.9M-801.9M-688.0M-962.7M-1.7B-3.9B
Retained earnings1.6B1.8B2.0B2.2B2.6B3.0B3.4B3.9B4.6B5.4B

Cash flow

From EDGAR
FY2017FY2018FY2019FY2019FY2021FY2022FY2023FY2024FY2025FY2026
Operating cash flow225.6M223.1M260.4M364.9M423.8M509.4M468.9M633.0M778.8M1.1B
Capital spending19.8M31.3M24.0M22.0M7.6M6.0M4.2M8.9M8.9M2.1M
Free cash flow205.8M191.8M236.4M342.9M416.2M503.4M464.7M624.1M769.9M1.1B
Stock-based pay (added back)61.2M74.8M83.0M93.7M112.5M115.4M123.8M149.4M156.7M185.5M
Dividends paid1.2M00-------
Buybacks187.6M342.6M228.9M235.2M874.2M1.1B405.5M821.7M1.4B3.0B
Acquisitions0015.9M00-----
Debt raised0400.0M0350.0M0550.0M001.5B1.0B
Debt repaid-------00400.0M
Investing cash flow-20.6M-14.1M-42.8M-24.6M137.8M-5.7M-16.0M-28.0M-43.7M-45.4M
Financing cash flow-180.6M-218.6M-200.0M-289.4M-523.6M-547.2M-455.0M-592.9M-750.3M-941.1M

Stock-based pay and leases

From EDGAR
FY2017FY2018FY2019FY2019FY2021FY2022FY2023FY2024FY2025FY2026
Stock-based pay (expense)61.2M74.8M83.0M93.7M112.5M115.4M123.8M149.4M156.7M185.5M
Stock-based pay / revenue6.5%7.2%7.2%7.2%8.5%8.4%8.2%8.7%7.9%7.3%
Operating lease cost---23.6M19.6M18.4M16.6M14.4M11.7M11.2M
Operating lease cash paid---18.8M23.3M22.0M19.8M18.2M11.7M10.5M
Finance lease principal paid00945K1.7M176K001.3M3.1M3.5M
Right-of-use assets---57.7M47.3M36.7M25.7M29.6M26.2M26.4M
Operating lease liabilities---96.0M75.7M58.6M40.2M33.5M28.8M27.9M
Finance lease liabilities---5.3M---10.4M7.2M3.0M

From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.

Work on FICO in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/FICO/export.csv") into a cell.