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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Fair Isaac's Total Liabilities for the quarter that ended in Mar. 2026 was $4,150 Mil. Fair Isaac's Total Assets for the quarter that ended in Mar. 2026 was $2,048 Mil.
Therefore, Fair Isaac's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 2.03.
Fair Isaac (NYSE:FICO) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Fair Isaac Liabilities-to-Assets Related Terms
Fair Isaac Liabilities-to-Assets Historical Data
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The historical data trend for Fair Isaac's Liabilities-to-Assets 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.
FICO vs MSTR, ZM, WDAY: Liabilities-to-Assets Comparison
For the Software - Application subindustry, Fair Isaac's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Software Industry
For the Software industry and Technology sector, Fair Isaac's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Fair Isaac's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Fair Isaac's Liabilities-to-Assets Ratio for the fiscal year that ended in Sep. 2025 is calculated as:
* 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 Liabilities-to-Assets of 2.03 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Fair Isaac and its competitors.
Is Fair Isaac's Liabilities-to-Assets too high?
Fair Isaac's current Liabilities-to-Assets is 2.03. 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 Liabilities-to-Assets compare to MSTR and ZM?
Fair Isaac's Liabilities-to-Assets of 2.03 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 Liabilities-to-Assets for a Software company?
A good Liabilities-to-Assets depends on the Software industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Fair Isaac and its competitors. Fair Isaac's current Liabilities-to-Assets is 2.03. 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 $2,119.42, compared to a current price of $1,209.16 — trading 42.9% below its estimated fair value. The current Liabilities-to-Assets is 2.03. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Fair Isaac (FICO), the current Liabilities-to-Assets is 2.03 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 $1,209.16 is trading 42.9% below its estimated GF Value™ of $2,119.42.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FICO:
Liabilities-to-Assets: 2.03
GF Value™: $2,119.42 vs. price of $1,209.16 (42.9% 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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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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