Is FAIR ISAAC CORP (FICO) Halal?
Shariah Screening — 5 Standards
Based on financial data from September 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 8.8% / 30% | 0.4% / 30% | 1.5% / 30% | 0.02% / 5% | ✓ HALAL |
| DJIM | 8.8% / 33% | 0.4% / 33% | 1.5% / 33% | 0.02% / 5% | ✓ HALAL |
| MSCI | 164.6% / 33% | 7.2% / 33% | 28.3% / 33% | 0.02% / 5% | ✗ NOT HALAL |
| S&P | 8.8% / 33% | 0.4% / 33% | 1.5% / 33% | 0.02% / 5% | ✓ HALAL |
| FTSE | 164.6% / 33% | 7.2% / 33% | 28.3% / 50% | 0.02% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 82.9% | |
| Operating Margin | 45.7% | |
| Net Margin | 31.9% | |
| Return on Assets (ROA) | 34.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $779M |
| Free Cash Flow | $739M |
| Total Debt | $3.1B |
| Current Ratio | 0.9 |
| Total Assets | $1.9B |
Price & Trading
| Last Close | $1,039.84 |
| 50-Day MA | $1,339.10 |
| 200-Day MA | $1,558.31 |
| Avg Volume | 323K |
| Beta | 1.3 |
|
52-Week Range
$969.32
| |
About FAIR ISAAC CORP (FICO)
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
Purification Calculator
As a halal stock with 0.02% impermissible income, you need to purify your dividends.
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Frequently Asked Questions
Is FAIR ISAAC CORP (FICO) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), FAIR ISAAC CORP is Halal. The company passes all financial ratio thresholds for debt, cash, receivables, and impermissible income. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is FAIR ISAAC CORP's debt ratio?
FAIR ISAAC CORP's debt ratio is 8.8% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 164.6%.
Does FAIR ISAAC CORP require dividend purification?
Yes, FAIR ISAAC CORP has an impermissible income ratio of 0.02%, which means 0.02% of any dividends received should be donated to charity as purification. This is because a small portion of the company's revenue comes from non-Shariah-compliant sources.
What are FAIR ISAAC CORP's key financial metrics?
FAIR ISAAC CORP has a market capitalization of $24.0B, trailing P/E ratio of 37.4, and revenue of $2.0B. The company maintains a gross margin of 82.9% and a net margin of 31.9%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.