Fair IsaacFRA:FRI 87 ROA % is 54.54% as of Mar. 2026, which is 171% above its 10-year median of 20.13. GuruFocus rates FRA:FRI with a GF Score™ of 87/100 and a GF Value™ of €1,777.34 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,885 Software companies, Fair Isaac ranks better than 98.72% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Fair Isaac's annualizedNet Income for the quarter that ended in Mar. 2026 was €915 Mil.
Fair Isaac's average Total Assets over the quarter that ended in Mar. 2026 was €1,678 Mil. Therefore, Fair Isaac's annualized ROA % for the quarter that ended in Mar. 2026 was 54.54%.
The historical rank and industry rank for Fair Isaac's ROA % or its related term are showing as below:
FRA:FRI'
s ROA % Range Over the Past 10 Years
Min: 8.93 Med: 20.13 Max: 40.11
Current: 40.11
During the past 13 years, Fair Isaac's highest ROA % was 40.11%. The lowest was 8.93%. And the median was 20.13%.
FRA:FRI's ROA % is ranked better than 98.72% of 2885
companies
in the Software industry
Industry Median: 1.68
vs FRA:FRI: 40.11
Fair Isaac (FRA:FRI) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Fair Isaac ROA % Related Terms
Fair Isaac ROA % Historical Data
* Premium members only.
The historical data trend for Fair Isaac's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Software Industry
For the Software industry and Technology sector, Fair Isaac's ROA % distribution charts can be found below:
* The bar in red indicates where Fair Isaac's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Fair Isaac (FRA:FRI) has a ROA % of 54.54% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Fair Isaac and its competitors. This is 171% above median its historical median of 20.13. Over the past decade, Fair Isaac's ROA % has ranged from 8.93 to 40.11. According to the industry distribution chart, Fair Isaac ranks #37 out of 2885 companies in the Software industry, placing it in the top 1.3%.
Is Fair Isaac's ROA % too high?
Fair Isaac's current ROA % of 54.54% is 171% above median its 10-year median of 20.13. Over the past 10 years, this metric has ranged from a low of 8.93 to a high of 40.11. The Software industry median ROA % is 1.68. Fair Isaac's value of 54.54% is 3146.4% above this industry median. Based on the distribution chart, Fair Isaac ranks #37 out of 2885 companies in the Software industry, which is in the top quartile — a strong position relative to peers. 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 ROA % compare to ZM and TEAM?
According to the Software industry distribution chart, Fair Isaac ranks #37 out of 2885 companies for ROA %. This places Fair Isaac in the top 1% of its industry — outperforming the majority of peers. The industry median ROA % is 1.68. Fair Isaac's value of 54.54% is 3146.4% above this benchmark. Historically, Fair Isaac's own ROA % has ranged from 8.93 to 40.11 over the past decade. While the company's 10-year median is 20.13 vs. the industry median of 1.68, Fair Isaac has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Software company?
The median ROA % among Software companies is 1.68, based on 2,885 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fair Isaac's current ROA % of 54.54% is 3146.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Fair Isaac and its competitors. For the Software industry, the median ROA % is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fair Isaac's current ROA % is 54.54%, which is 171% above median its own 10-year median of 20.13. 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 (FRA:FRI) is currently considered Significantly Undervalued. The stock's GF Value™ is €1,777.34, compared to a current price of €1,012.00 — trading 43.1% below its estimated fair value. The current ROA % is 54.54%, which is 171% above median its 10-year median of 20.13 and 3146.4% above the Software industry median of 1.68. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Fair Isaac (FRA:FRI), the current ROA % is 54.54% 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 (FRA:FRI) Overvalued in 2026?
Based on GuruFocus' analysis, Fair Isaac stock appears to be undervalued.
The current stock price of €1,012.00 is trading 43.1% below its estimated GF Value™ of €1,777.34.
GuruFocus considers Fair Isaac to be Significantly Undervalued.
Key valuation signals for FRA:FRI:
ROA %: 54.54% (171% above median its 10-year median of 20.13)
GF Value™: €1,777.34 vs. price of €1,012.00 (43.1% below fair value)
Industry Position: 3146.4% above the Software median (#37 of 2885)
No single metric tells the full story. See the FRA:FRI 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
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