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Fair Isaac cash flow, quarter by quarter

Latest: Q4 FY26 · from the cash-flow statements filed with the SEC

Free cash flow$293M in Q4 FY26

Operating cash flow$294M
Capital spending−$785K
Free cash flow+$293M
Cash / net income1.7×
Cash conversion cycle51 days

Analysis

In Q4 FY26, Fair Isaac generated $294M of operating cash flow and spent $785K on capital projects, leaving free cash flow of $293M. That is $73.9M more than in Q4 FY25 ($219M).

Operating cash flow was $294M against net income of $175M — 1.7× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$94.0M, stock-based pay +$43.5M, deferred revenue +$15.7M.

Its cash conversion cycle was 51 days (receivables 84 + inventory 0 − payables 33).

Free cash flow

Fair Isaac: free cash flow by quarterFair Isaac: free cash flow by quarter$193MQ1 FY25$72.8MQ2 FY25$284MQ3 FY25$219MQ4 FY25$174MQ1 FY26$223MQ2 FY26$380MQ3 FY26$293MQ4 FY26
Operating cash flow less capital spending.
Fair Isaac: operating cash flow against capital spendingFair Isaac: operating cash flow against capital spendingOperating cash flowCapital spending$194M$841KQ1 FY25$74.9M$2.1MQ2 FY25$286M$1.8MQ3 FY25$224M$4.2MQ4 FY25$174M$226KQ1 FY26$223M$266KQ2 FY26$380M$863KQ3 FY26$294M$785KQ4 FY26
Latest (Q4 FY26): Operating cash flow $294M, Capital spending $785K.

Capital allocation, year by year

Fair Isaac: where the cash came from (up) and went (down), by fiscal yearFair Isaac: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksFY22: Operating cash flow $509MFY22: Net borrowing $601MFY22: Shares issued $3.2MFY22: Asset sales $2.3MFY22: Capital spending −$6.0MFY22: Buybacks −$1.1B$1.1BFY22FY23: Operating cash flow $469MFY23: Net borrowing $5.0MFY23: Shares issued $8.1MFY23: Capital spending −$4.2MFY23: Buybacks −$406M$482MFY23FY24: Operating cash flow $633MFY24: Net borrowing $344MFY24: Shares issued $8.3MFY24: Capital spending −$8.9MFY24: Buybacks −$822M$985MFY24FY25: Operating cash flow $779MFY25: Net borrowing $856MFY25: Shares issued $14.7MFY25: Capital spending −$8.9MFY25: Buybacks −$1.4B$1.6BFY25FY26: Operating cash flow $1.1BFY26: Net borrowing $2.2BFY26: Shares issued $5.9MFY26: Capital spending −$2.1MFY26: Buybacks −$3.0B$3.3BFY26
Over these 5 years operating cash flow totalled $3.5B; the largest uses were buybacks ($6.8B) and capital spending ($30.2M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$218M
Debt$5.3B
Net debt$5.0B
Due within a year$338M

Fair Isaac funds itself: free cash flow was — over the last twelve months, and $218M of cash and investments stands against $5.3B of debt ($338M due within a year, 0.6× covered by cash).

Where the cash came from and went

Fair Isaac: sources (+) and uses (−) of cash, Q4 FY26Fair Isaac: sources (+) and uses (−) of cash, Q4 FY26Net borrowing (+) / repaid (−)−$326MOperating cash flow$294MCash drawn (+) / kept (−)$30.8MShares issued$8.0MOther investing−$5.3MTaxes on employees’ shares−$1.3MCapital spending−$785KExchange rates−$121KBuybacks$1K

From profit to cash

Fair Isaac: net income to operating cash flow, Q4 FY26Fair Isaac: net income to operating cash flow, Q4 FY26Net income$175MDepreciation & amortization$4.6MStock-based pay$43.5MDeferred taxes−$2.0MGains on disposals$582KReceivables−$11.6MPayables$7.9MEmployee-related liabilities$11.6MDeferred revenue$15.7MPrepaid and other assets−$126KOther liabilities$94.0MOperating cash flow$294M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q4 FY2684—3351
Q3 FY2682—3349
Q2 FY2673—3142
Q1 FY2692—3161
Q4 FY2588—3157
Q3 FY2580—2853
Q2 FY2576—2452
Q1 FY2581—2457

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q4 FY26$294M−$785K$1K−$326M$8.0M$30.8M$293M
Q3 FY26$380M−$863K−$2.3B$1.9B—−$29.0M$380M
Q2 FY26$223M−$266K−$605M−$150M$12.8M−$57.4M$223M
Q1 FY26$174M−$226K−$171M$140M$2.1M−$27.9M$174M
Q4 FY25$224M−$4.2M−$548M$275M$10.9M$54.9M$219M
Q3 FY25$286M−$1.8M−$487M$264M$5.8M−$42.4M$284M
Q2 FY25$74.9M−$2.1M−$217M$106M$12.8M$37.6M$72.8M
Q1 FY25$194M−$841K−$163M$211M$3.3M−$33.6M$193M

Fair Isaac: income statement and cash flow

Fair Isaac, Q4 FY26: revenue $657M (+27% year over year), operating margin 40.6%. The chart follows the revenue to costs, profit and cash.

Fair Isaac: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.