FAIR ISAAC (FICO) Company Report

FICO partners with Plaid to integrate real-time cash flow data into the UltraFICO score, enhancing lenders’ view of consumer financial health.
The upgraded score assesses money movement across checking, savings, and money market accounts alongside traditional credit data.
Designed to align with traditional FICO scores for easy lender adoption and reduced onboarding time.
Aims to expand credit access for consumers with limited credit history but strong cash flow, supporting more inclusive lending.

Nov 20, 2025, 7:12 PM

Morningstar

FICO reports Q4 2025 earnings and updates guidance

FICO

Earnings

Guidance Update

Product Launch

FICO delivered Q4 revenue of $516 million (+14% YoY), driven by Score segment growth (+25% to $312 million); mortgage origination revenues rose 52% year-over-year.
Fiscal year 2025 revenue reached $822 million (+3% YoY); total software annual recurring revenue was $747 million (+4% YoY), with platform ARR at $263 million (+16%).
Q4 software annual contract value bookings were $32.7 million (best quarterly performance in six years); full-year ACV bookings topped $102 million.
For fiscal year 2026, FICO guides to $2.35 billion revenue (+18%), GAAP EPS of $33.47 (+26%), and non-GAAP EPS of $38.17 (+28%).
Announced the FICO Mortgage Direct License Program offering direct score licensing with per-score and performance pricing; debuted FICO Score 10T with adoption by ~40 lenders representing $316 billion in originations.

Nov 5, 2025, 10:00 PM

Transcript

FICO reports Q4 2025 results

FICO

Earnings

Guidance Update

Share Buyback

FICO reported Q4 total revenue of $516 M, up 14% YoY, and full-year 2025 revenue of $1.991 B, up 16% YoY.
Scores segment revenue reached $312 M in Q4 (+25% YoY) and $1.169 B for the full year (+27% YoY).
Software segment delivered $204 M in Q4 and $822 M for FY 2025, with total software ARR at $747 M (+4% YoY) and platform ARR of $263 M (+16% YoY).
Continued capital return with repurchases of 358k shares at $1,499 avg in Q4 ($536 M) and 833k shares at $1,693 avg in FY 2025 ($1.41 B), both record levels.
FY 2026 guidance: revenue of $2.35 B (+18% YoY), GAAP EPS of $33.47 (+26%), and non-GAAP EPS of $38.17 (+28%).

Nov 5, 2025, 10:00 PM

Transcript

FICO reports Q4 2025 earnings

FICO

Earnings

Guidance Update

Total revenues were $515.8 million, down 4% Q/Q and up 14% Y/Y in Q4 2025.
Non-GAAP diluted EPS was $7.74, an 18% increase versus Q4 2024.
Software ARR reached $747.3 million, up 4% Y/Y, and ACV bookings were $32.7 million (48% Y/Y) in the quarter.
FY 2026 guidance includes revenues of $2.35 billion and non-GAAP EPS of $38.17.

Nov 5, 2025, 10:00 PM

Presentation

FICO reports Q4 2025 results

FICO

Earnings

Guidance Update

FICO reported Q4 revenues of $516 million, up 14% year-over-year, and full-year revenues of $1.991 billion, up 16% versus FY 2024.
Software segment Q4 revenues were $204 million (flat Y/Y) and FY revenues were $822 million, up 3%, while Scores segment Q4 revenues reached $312 million, up 25%, and FY revenues were $1.169 billion, up 27%.
Q4 non-GAAP operating margin was 54%, full-year non-GAAP operating margin was 55%, and FICO generated $211 million of free cash flow in Q4 (FY FCF of $739 million, up 22% Y/Y).
At quarter end, FICO held $189 million in cash and marketable investments versus $3.06 billion of total debt (91% in senior notes) and a $275 million revolver balance.
For FY 2026, FICO guides to $2.35 billion in revenue (+18%), GAAP EPS of $33.47 (+26%), and non-GAAP EPS of $38.17 (+28%).

Nov 5, 2025, 10:00 PM

Transcript

FICO reports Q4 FY2025 results

FICO

Earnings

Guidance Update

FICO reported Q4 FY2025 GAAP revenue of $515.8 million (+14% YoY) and net income of $155.0 million, or $6.42 per diluted share versus $5.44 in the prior year period.
Q4 non-GAAP net income was $187.0 million with diluted EPS of $7.74 versus $6.54 in the year-ago quarter.
Net cash provided by operating activities was $223.7 million, and free cash flow totaled $210.8 million for the quarter.
For FY2026, FICO guides revenue of $2.35 billion, GAAP EPS of $33.47, and non-GAAP EPS of $38.17.

Nov 5, 2025, 9:19 PM

8-K

FICO and Xactus partner on Mortgage Direct License Program

FICO

Product Launch

FICO and Xactus signed a multi-year agreement as Xactus becomes the first verifications provider to join the FICO Mortgage Direct License Program, enabling direct delivery of FICO® Scores to lenders.
The program aims to streamline score delivery and support modernization of credit infrastructure in the $12 trillion U.S. mortgage market.
Lenders stand to save up to 50% on per-score FICO fees through the program’s flexible pricing models.

Nov 5, 2025, 9:00 PM

Press Release

FICO urges telecom operators to adopt Scam Signal API for fraud prevention

FICO

Product Launch

FICO and Jersey Telecom, supported by GSMA, are calling on global mobile network operators to deploy the new Scam Signal API—launched in 2024—to detect and block authorized push payment (APP) social engineering fraud in real time using network data.
UK banks integrating Scam Signal via the FICO Platform achieved 41% fewer victims, 44% lower fraud losses, and 55% fewer false positives.
Operators in markets including the US, Canada, Indonesia, Spain, South Africa, Brazil and Mexico have begun or are targeted for API adoption to ensure standardized, scalable fraud prevention.
In its first year, Scam Signal won Best Anti-Fraud Solution at the Credit & Collections Technology Awards and Silver at the Fraud Impact Awards in 2024 and 2025; Barclays and FICO also earned a 2025 Credit Award for their joint implementation.

Nov 4, 2025, 1:00 PM

Press Release

FS Bancorp reports Q3 2025 results and dividend

FICO

Earnings

Dividends

Share Buyback

FS Bancorp reported third quarter net income of $9.2 million or $1.18 per diluted share, compared to $10.3 million or $1.29 a year ago.
Total deposits rose $133.1 million (5.2%) to $2.69 billion, while net loans increased $17.3 million to $2.60 billion as of September 30, 2025.
The board declared the 51st consecutive quarterly cash dividend of $0.28 per share, payable November 20, 2025, to shareholders of record November 6, 2025.
The company repurchased 134,413 shares in Q3 at an average price of $41.15, with $826,000 remaining under the current repurchase plan.

Oct 21, 2025, 8:30 PM

Press Release

FICO UK credit card report shows rising balances and payment stress in August 2025

FICO

Demand Weakening

Average UK credit card spend in August was £815, up 1.5% month-on-month but down 2.4% year-on-year.
Average active balances rose 1.1% MoM to £1,915, marking a 4.9% increase year-on-year.
Payment rate (percentage of total balance paid) fell 1.6% MoM to 34.3%, 6.2% lower than August 2024.
Accounts over their credit limit increased 5.8% month-on-month and 2.2% year-on-year, signaling heightened stress.
Average balance for accounts with one missed payment climbed to £2,400, 8.7% higher year-on-year.

Oct 14, 2025, 8:00 AM

Press Release

Earnings Transcripts

Quarterly earnings call transcripts for FAIR ISAAC.

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