Is it safe?
Can FICO take a bad year?
Fair Isaac carries $5.33B of net debt at 4.27× EBITDA: a heavy load to carry through a bad year.
$5.33B
Net debt · as at Q3 2026 · over four years of earnings before interest, tax and depreciation, heavy
- Net debt / EBITDA
- 4.27×
Net debt / EBITDA · 2.89× a year ago · the load is going up
- Altman Z-score
- 10.49
Altman Z-score · safe zone, above 3
- Interest cover
- 6.63×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ3 2026
- $5.58B
- Cash and short-term investments
- $248M
- Net debt
- $5.33B
- EBITDA, trailing twelve months
- $1.25B
- Operating profit, trailing twelve months
- $1.24B
- Total debt / EBITDA
- 4.47×
- Annualised volatilitytwo years of daily moves
- 50%
- Worst drawdown on file
- −61%
- Below its 52-week high
- −40%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Software - Application
Ranks #11 of 90 by Smart Score