Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Fair Isaac's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $178 Mil. Fair Isaac's average total debt for the quarter that ended in Mar. 2026 was $3,436 Mil. Therefore, Fair Isaac's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 5.19%.
Fair Isaac (NYSE:FICO) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Fair Isaac Effective Interest Rate on Debt % Related Terms
Fair Isaac Effective Interest Rate on Debt % Historical Data
* Premium members only.
The historical data trend for Fair Isaac's Effective Interest Rate on 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.
Fair Isaac Effective Interest Rate on Debt % Chart
FICO vs MSTR, ZM, WDAY: Effective Interest Rate on Debt % Comparison
For the Software - Application subindustry, Fair Isaac's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Software Industry
For the Software industry and Technology sector, Fair Isaac's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Fair Isaac's Effective Interest Rate on 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 5.19% mean?
Fair Isaac (FICO) has a Effective Interest Rate on Debt % of 5.19% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Fair Isaac and its competitors.
Is Fair Isaac's Effective Interest Rate on Debt % too high?
Fair Isaac's current Effective Interest Rate on Debt % is 5.19%. Overall, Fair Isaac has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fair Isaac's Effective Interest Rate on Debt % compare to MSTR and ZM?
Fair Isaac's Effective Interest Rate on Debt % of 5.19% can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Software company?
A good Effective Interest Rate on Debt % depends on the Software industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Fair Isaac and its competitors. Fair Isaac's current Effective Interest Rate on Debt % is 5.19%. 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 $2,101.99, compared to a current price of $1,270.83 — trading 39.5% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.19%. Fair Isaac's overall GF Score™ is 87/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Fair Isaac (FICO), the current Effective Interest Rate on Debt % is 5.19% 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 $1,270.83 is trading 39.5% below its estimated GF Value™ of $2,101.99.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
Effective Interest Rate on Debt %: 5.19%
GF Value™: $2,101.99 vs. price of $1,270.83 (39.5% 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.
87GF Score
Get the complete analysis for FICO
Effective Interest Rate on 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 
