FICO (Fair Isaac) LT-Debt-to-Total-Asset: 1.79 (As of Mar. 2026)

What is Fair Isaac LT-Debt-to-Total-Asset?

Fair Isaac FICO +3.48% 87 LT-Debt-to-Total-Asset is 1.79 as of Mar. 2026. GuruFocus rates FICO with a GF Score™ of 87/100 and a GF Value™ of $2,086.40 (Significantly Undervalued). The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Fair Isaac's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 1.79.

Fair Isaac's long-term debt to total assets ratio increased from Mar. 2025 (1.38) to Mar. 2026 (1.79). It may suggest that Fair Isaac is progressively becoming more dependent on debt to grow their business.

Fair Isaac (NYSE:FICO) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Fair Isaac LT-Debt-to-Total-Asset Related Terms

Fair Isaac LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Fair Isaac's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Fair Isaac Annual Data

Trend

Sep16

Sep17

Sep18

Sep19

Sep20

Sep21

Sep22

Sep23

Sep24

Sep25

LT-Debt-to-Total-Asset

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0.68

1.29

1.17

1.29

1.43

Fair Isaac Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															1.38	1.29	1.43	1.52	1.79

87GF Score

Fair Isaac Corp FICO

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Fair Isaac LT-Debt-to-Total-Asset Calculation

Fair Isaac's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Sep. 2025 is calculated as

LT Debt to Total Assets (A: Sep. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Sep. 2025 )	/	Total Assets (A: Sep. 2025 )
	=	2675.337	/	1868.133
	=	1.43

Fair Isaac's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	3656.618	/	2048.249
	=	1.79

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 1.79 mean?

Fair Isaac (FICO) has a LT-Debt-to-Total-Asset of 1.79 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Fair Isaac and its competitors.

Is Fair Isaac's LT-Debt-to-Total-Asset too high?

Fair Isaac's current LT-Debt-to-Total-Asset is 1.79. 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 LT-Debt-to-Total-Asset compare to ZM and TEAM?

Fair Isaac's LT-Debt-to-Total-Asset of 1.79 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 LT-Debt-to-Total-Asset for a Software company?

A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Fair Isaac and its competitors. Fair Isaac's current LT-Debt-to-Total-Asset is 1.79. 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 $2,086.40, compared to a current price of $1,137.65 — trading 45.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 1.79. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Fair Isaac (FICO), the current LT-Debt-to-Total-Asset is 1.79 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 $1,137.65 is trading 45.5% below its estimated GF Value™ of $2,086.40. GuruFocus considers Fair Isaac to be Significantly Undervalued.

Key valuation signals for FICO:

LT-Debt-to-Total-Asset: 1.79
GF Value™: $2,086.40 vs. price of $1,137.65 (45.5% below fair value)
GF Score™: 87/100 with 1 warning sign

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.

Fair Isaac Business Description

Industry Technology Software

Comparable Companies ZM TEAM ROP PAYX WDAY SSNC PTC GRAB FIG U XTER:SAP CRM SHOP UBER NOW ADBE CDNS INTU ADP SNOW

Other Exchanges FICO1:Mexico 1FICO:Italy 0TIQ:UK FRI:Germany F2IC34:Brazil

Address 5 West Mendenhall, Suite 105, Bozeman, MT, USA, 59715

Website https://www.fico.com

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

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$1,137.65

Price

$2,086.40

GF Value

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