FICO (Fair Isaac) Retained Earnings: $4,976 Mil (As of Mar. 2026)


FICO Fair Isaac Corp FICO
87 GF Score
Price $1,270.83
GF Value $2,101.99
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Fair Isaac Retained Earnings?

Fair Isaac FICO +5.32% 87 Retained Earnings is $4,976 Mil as of Mar. 2026. GuruFocus rates FICO with a GF Score™ of 87/100 and a GF Value™ of $2,101.99 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Fair Isaac's retained earnings for the quarter that ended in Mar. 2026 was $4,976 Mil.

Fair Isaac's quarterly retained earnings increased from Sep. 2025 ($4,553 Mil) to Dec. 2025 ($4,711 Mil) and increased from Dec. 2025 ($4,711 Mil) to Mar. 2026 ($4,976 Mil).

Fair Isaac's annual retained earnings increased from Sep. 2023 ($3,388 Mil) to Sep. 2024 ($3,901 Mil) and increased from Sep. 2024 ($3,901 Mil) to Sep. 2025 ($4,553 Mil).


Fair Isaac  (NYSE:FICO) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Fair Isaac Retained Earnings Historical Data

* Premium members only.

The historical data trend for Fair Isaac's Retained Earnings 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 Retained Earnings Chart

Fair Isaac Annual Data
Trend Sep16 Sep17 Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,585.14 2,958.68 3,388.06 3,900.87 4,552.82

Fair Isaac Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4,216.01 4,397.80 4,552.82 4,711.19 4,975.65
FICO
87GF Score
Fair Isaac Corp FICO
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Fair Isaac Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $4,976 Mil mean?
Fair Isaac (FICO) has a Retained Earnings of $4,976 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Fair Isaac and its competitors.
Is Fair Isaac's Retained Earnings too high?
Fair Isaac's current Retained Earnings is $4,976 Mil. 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 Retained Earnings compare to MSTR and ZM?
Fair Isaac's Retained Earnings of $4,976 Mil 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 Retained Earnings for a Software company?
A good Retained Earnings depends on the Software industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Fair Isaac and its competitors. Fair Isaac's current Retained Earnings is $4,976 Mil. 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 Retained Earnings is $4,976 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Fair Isaac (FICO), the current Retained Earnings is $4,976 Mil 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:

  • Retained Earnings: $4,976 Mil
  • GF Value™: $2,101.99 vs. price of $1,270.83 (39.5% 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

Address 5 West Mendenhall, Suite 105, Bozeman, MT, USA, 59715
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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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1,270.83
Price
$2,101.99
GF Value