Question 1

What is Fair Isaac's P/B ratio?

Accepted Answer

Fair Isaac (FICO) P/B ratio is 94.4× as of November 9, 2021. The ratio is calculated by dividing market capitalisation by book value of equity, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/B ratio calculated?

Accepted Answer

P/B = Market Capitalisation ÷ Book Value of Equity (most recent quarterly shareholders' equity), or equivalently Share Price ÷ Book Value Per Share. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/B ratio?

Accepted Answer

The price-to-book (P/B) ratio compares a company's market capitalisation to its book value of equity (total shareholders' equity) on the most recent quarterly balance sheet. It is calculated as market cap ÷ book value of equity (equivalent to share price ÷ book value per share). A P/B below 1× implies the market values the business below its accounting net worth; values well above 1× reflect intangible assets, brand value, or a high return on equity.

Question 4

What is a good P/B ratio for Fair Isaac?

Accepted Answer

A "good" P/B depends on the business model. Banks, insurers, and other capital-heavy financials typically trade near 1×; asset-light technology and consumer-brand companies can sustainably trade at 5×+ because much of their value is intangible. P/B is most informative when paired with return on equity (ROE). For Fair Isaac specifically, the relevant sector benchmark is the current sector median of 5.6×.

Question 5

Is Fair Isaac's P/B ratio high or low?

Accepted Answer

Fair Isaac's P/B ratio of 94.4× is below its own 5-year average of 115.5× and above the sector median of 5.6×. That places the current reading at the 33th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is Fair Isaac's historical P/B ratio range?

Accepted Answer

In the available daily series, Fair Isaac (FICO) P/B ratio has ranged from a low of 1.2× in 2009 to a high of 120.1× in 2021. The 5-year average is 115.5× and the 5-year median is 115.5×.

Question 7

What was Fair Isaac's P/B ratio in 2020?

Accepted Answer

Fair Isaac (FICO) P/B ratio at the end of 2020 was 37.3×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month book value figure available at that date.

Question 8

Why does Fair Isaac's P/B ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (book value). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$35.8B	-$1.75B	—	—	Sep 30, 2025
2024	$48B	-$963M	—	—	Sep 30, 2024
2023	$21.6B	-$688M	—	—	Sep 30, 2023
2022	$10.4B	-$802M	—	—	Sep 30, 2022
2021	$11.2B	-$111M	—	—	Sep 30, 2021
2020	$12.4B	$331M	37.3×	+7.0×	Sep 30, 2020
2019	$8.78B	$290M	30.3×	+5.2×	Sep 30, 2019
2018	$6.61B	$264M	25.1×	+15.0×	Sep 30, 2018
2017	$4.29B	$427M	10.1×	+1.4×	Sep 30, 2017
2016	$3.85B	$447M	8.6×	+2.6×	Sep 30, 2016
2015	$2.64B	$437M	6.0×	+2.1×	Sep 30, 2015
2014	$1.77B	$455M	3.9×	+0.2×	Sep 30, 2014
2013	$1.94B	$531M	3.7×	+0.5×	Sep 30, 2013
2012	$1.49B	$474M	3.1×	+1.4×	Sep 30, 2012
2011	$787M	$465M	1.7×	-0.4×	Sep 30, 2011
2010	$985M	$475M	2.1×	+0.4×	Sep 30, 2010
2009	$1.02B	$600M	1.7×	-0.3×	Sep 30, 2009
2008	$1.12B	$562M	2.0×	-1.2×	Sep 30, 2008
2007	$1.82B	$566M	3.2×	+0.4×	Sep 30, 2007
2006	$2.12B	$770M	2.8×	-0.8×	Sep 30, 2006
2005	$2.88B	$805M	3.6×	+1.4×	Sep 30, 2005
2004	$2B	$916M	2.2×	-1.0×	Sep 30, 2004
2003	$2.74B	$850M	3.2×	+1.5×	Sep 30, 2003
2002	$1.64B	$973M	1.7×	—	Sep 30, 2002


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P/B Ratio for Fair Isaac (FICO) 2002-2026

P/B Ratio daily chart for Fair Isaac (FICO)

Historical P/B Ratio for Fair Isaac (FICO) from 2002 to 2025

About P/B Ratio at Fair Isaac (FICO)

Fair Isaac P/B Ratio by Year

Fair Isaac P/B Ratio 2020: 37.3×

Fair Isaac P/B Ratio 2019: 30.3×

Fair Isaac P/B Ratio 2018: 25.1×

Fair Isaac P/B Ratio 2017: 10.1×

Fair Isaac P/B Ratio 2016: 8.6×

Sector peers by P/B Ratio — chart

Sector peers by P/B Ratio — table

Frequently asked questions

Fair Isaac (FICO) Key Financials