FICO · 10-K · 2026A · Full report

Balance Sheet and Liquidity

FAIR ISAAC CORP · 2026-11-06 · Importance 89 · Surprise 82 · From source text

At September 30, 2026, FICO had $217.6 million of cash and cash equivalents, including $165.9 million held by foreign subsidiaries, and total debt of $5.3 billion, compared with $3.1 billion a year earlier. Outstanding debt included $700.0 million under the revolving credit line at a 5.873% weighted-average rate, $1.2 billion under the term loan at 5.761%, and $3.4 billion of senior notes. The $1.0 billion revolving facility matures May 13, 2030; the $1.5 billion term loan was borrowed in full in June 2026 and matures May 15, 2028. FICO reported compliance with its credit-agreement and senior-note financial covenants and expects cash, available credit, and operating cash flows to cover requirements, including $337.5 million of term-loan principal due over the next 12 months.

Key facts

• FAIR ISAAC CORP’s $1.0 billion unsecured revolving line of credit matures on May 13, 2030; its $1.5 billion unsecured term loan was borrowed in full on June 5, 2026 and matures on May 15, 2028. source
• On March 20, 2026, FAIR ISAAC CORP issued $1.0 billion of 2026 Senior Notes bearing 6.25% annual interest and maturing September 15, 2034. source
• FAIR ISAAC CORP’s total debt balance was $5.3 billion as of September 30, 2026, compared with $3.1 billion as of September 30, 2025. source
• FAIR ISAAC CORP expected cash, available borrowings under its $1.0 billion revolving line of credit, and anticipated operating cash flows to fund requirements for at least the next 12 months and thereafter for the foreseeable future, including $337.5 million in term-loan principal payments due over the next 12 months. source
• FAIR ISAAC CORP’s June 2026 term loan requires quarterly principal installments of $75.0 million from September 30, 2026 through June 30, 2027, then $112.5 million thereafter. source
• FAIR ISAAC CORP issued $1.0 billion of senior notes in March 2026 and used the proceeds to pay down its revolving line of credit and repay $400 million of senior notes due in May 2026. source
• As of September 30, 2026, FAIR ISAAC CORP had $700.0 million outstanding under its revolving line of credit at a 5.873% weighted-average interest rate and $1.2 billion outstanding on its term loan at 5.761%; it was in compliance with all credit agreement financial covenants. source
• As of September 30, 2026, the carrying value of FAIR ISAAC CORP’s Senior Notes was $3.4 billion, and the company was in compliance with all financial covenants under those obligations. source

Impact estimates