FICONEUTRAL

FICO Debt-to-Equity Ratio Analysis

-1.36x

Updated 33h ago·SEC filings & market data

Key Takeaway

The Debt-to-Equity Ratio of -1.36x means the company’s total liabilities exceed its shareholders’ equity, so equity is negative — a sign of financial strain rather than a typical debt load.

Sector Performance

6th percentile

FICO

-1.36x

Sector Median

0.74x

Sector Avg

2.51x

Prior Period

-1.73x(Jul 2026)

↓ Declining

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Deep Analysis

The Debt-to-Equity Ratio of -1.36x means the company’s total liabilities exceed its shareholders’ equity, so equity is negative — a sign of financial strain rather than a typical debt load.

Compared to sector peers, this is far below the median of 0.74x, placing FICO in the 5th percentile — meaning nearly all peers have healthier equity positions. The trend is not fully available: the 8-quarter direction and year-over-year change are both N/A, but quarter-over-quarter the ratio improved by +21.4%, moving from -1.73x to -1.36x. That improvement reduces the degree of negative equity, yet the level remains deeply unfavorable. For investors, the combination of a negative ratio with a recent quarterly improvement implies high risk of financial distress, though a possible stabilization could offer upside if the trend continues. This metric supports the overall NEUTRAL verdict because the dangerous level and the encouraging near-term direction offset each other.

Frequently Asked Questions

What does the Debt-to-Equity Ratio tell investors about FICO?

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.

How is the Debt-to-Equity Ratio calculated?

Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.

Who are FICO's closest peers by Debt-to-Equity Ratio?

The closest peers by Debt-to-Equity Ratio include: TAP (0.76x), PCAR (0.72x), O (0.78x), PRU (0.78x), KIM (0.85x).

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Learn More About Debt-to-Equity Ratio

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Debt/Equity Ratio: How Much Debt Is Too Much?

The debt to equity ratio explained: why context, interest coverage, and sector norms matter far more than the raw number when assessing debt risk.

The Formula

Total Debt / Shareholders' Equity

Why It Matters

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.