Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Fair IsaacFICO -2.24%86 Cash-to-Debt is 0.04 as of Jun. 2026, which is 60% below its 10-year median of 0.10. GuruFocus rates FICO with a GF Score™ of 86/100 and a GF Value™ of $2,230.05 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 2,850 Software companies, Fair Isaac ranks worse than 95.93% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Fair Isaac's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.04.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Fair Isaaccouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Fair Isaac's Cash-to-Debt or its related term are showing as below:
FICO'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.1 Max: 0.21
Current: 0.04
During the past 13 years, Fair Isaac's highest Cash to Debt Ratio was 0.21. The lowest was 0.04. And the median was 0.10.
FICO's Cash-to-Debt is ranked worse than 95.93% of 2850
companies
in the Software industry
Industry Median: 2.58
vs FICO: 0.04
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Fair Isaac Cash-to-Debt Related Terms
Fair Isaac Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Fair Isaac's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Software - Application subindustry, Fair Isaac's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fair Isaac Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Fair Isaac's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Fair Isaac's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fair Isaac (FICO) has a Cash-to-Debt of 0.04 as of Jun. 2026. This is 60% below median its historical median of 0.10. Over the past decade, Fair Isaac's Cash-to-Debt has ranged from 0.04 to 0.21. According to the industry distribution chart, Fair Isaac ranks #2734 out of 2850 companies in the Software industry, placing it in the top 95.9%.
Is Fair Isaac's Cash-to-Debt too high?
Fair Isaac's current Cash-to-Debt of 0.04 is 60% below median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.21. The Software industry median Cash-to-Debt is 2.58. Fair Isaac's value of 0.04 is 98.4% below this industry median. Based on the distribution chart, Fair Isaac ranks #2734 out of 2850 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Fair Isaac has a GF Score™ of 86/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fair Isaac's Cash-to-Debt compare to ZM and WDAY?
According to the Software industry distribution chart, Fair Isaac ranks #2734 out of 2850 companies for Cash-to-Debt. This places Fair Isaac in the lower half of its industry. The industry median Cash-to-Debt is 2.58. Fair Isaac's value of 0.04 is 98.4% below this benchmark. Historically, Fair Isaac's own Cash-to-Debt has ranged from 0.04 to 0.21 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 2.58, Fair Isaac has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Software company?
The median Cash-to-Debt among Software companies is 2.58, based on 2,850 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fair Isaac's current Cash-to-Debt of 0.04 is 98.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Cash-to-Debt is 2.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fair Isaac's current Cash-to-Debt is 0.04, which is 60% below median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fair Isaac stock overvalued right now?
Based on GuruFocus' analysis, Fair Isaac (FICO) is currently considered Significantly Undervalued. The stock's GF Value™ is $2,230.05, compared to a current price of $1,085.78 — trading 51.3% below its estimated fair value. The current Cash-to-Debt is 0.04, which is 60% below median its 10-year median of 0.10 and 98.4% below the Software industry median of 2.58. Fair Isaac's overall GF Score™ is 86/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Fair Isaac (FICO), the current Cash-to-Debt is 0.04 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Fair Isaac (FICO) Overvalued in 2026?
Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued.
The current stock price of $1,085.78 is trading 51.3% below its estimated GF Value™ of $2,230.05.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
Cash-to-Debt: 0.04 (60% below median its 10-year median of 0.10)
GF Value™: $2,230.05 vs. price of $1,085.78 (51.3% below fair value)
Industry Position: 98.4% below the Software median (#2734 of 2850)
No single metric tells the full story. See the FICO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's US-centric credit scores business accounts for most of the firm's revenue and profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.
86GF Score
Get the complete analysis for FICO
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FICO has been successfully added to your 
