A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Fair Isaac's Debt-to-Equity or its related term are showing as below:
FICO'
s Debt-to-Equity Range Over the Past 10 Years
Min: -12.03 Med: 1.34 Max: 8.92
Current: -1.74
During the past 13 years, the highest Debt-to-Equity Ratio of Fair Isaac was 8.92. The lowest was -12.03. And the median was 1.34.
FICO's Debt-to-Equity is not ranked
in the Software industry.
Industry Median: 0.2
vs FICO: -1.74
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Fair Isaac Debt-to-Equity Related Terms
Fair Isaac Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Fair Isaac's Debt-to-Equity 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.
For the Software - Application subindustry, Fair Isaac's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, Fair Isaac's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Fair Isaac's Debt-to-Equity 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 Debt-to-Equity of -1.74 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fair Isaac and its competitors. According to the industry distribution chart, Fair Isaac ranks #999999 out of 2238 companies in the Software industry.
Is Fair Isaac's Debt-to-Equity too high?
Fair Isaac's current Debt-to-Equity is -1.74. Based on the distribution chart, Fair Isaac ranks #999999 out of 2238 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Fair Isaac has a GF Score™ of 88/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fair Isaac's Debt-to-Equity compare to MSTR and ZM?
According to the Software industry distribution chart, Fair Isaac ranks #999999 out of 2238 companies for Debt-to-Equity. This places Fair Isaac in the lower half of its industry. The industry median Debt-to-Equity is 0.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.20, based on 2,238 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Fair Isaac and its competitors. For the Software industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fair Isaac's current Debt-to-Equity is -1.74. 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 $2,111.76, compared to a current price of $1,250.90 — trading 40.8% below its estimated fair value. The current Debt-to-Equity is -1.74. Fair Isaac's overall GF Score™ is 88/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Fair Isaac (FICO), the current Debt-to-Equity is -1.74 as of Mar. 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 $1,250.90 is trading 40.8% below its estimated GF Value™ of $2,111.76.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
Debt-to-Equity: -1.74
GF Value™: $2,111.76 vs. price of $1,250.90 (40.8% below fair value)
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.
88GF Score
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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