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Inferra AI / Company / FICO

Fair Isaac

FICO · Information Technology

Last earnings Jul 29, 2026

Key results

Revenuequarter

$536 million

Revenue of $536 million vs.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Net incomequarter

$181.8 million

Third Quarter Fiscal 2025 GAAP Results Net income for the quarter totaled $181.8 million, or $7.40 per share, versus $126.3 million, or $5.05 per share, in the prior year period.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Non-GAAP Results Non-GAAP net incomequarter

$210.6 million

Third Quarter Fiscal 2025 Non-GAAP Results Non-GAAP Net Income for the quarter was $210.6 million versus $156.4 million in the prior year period.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Free cash flowquarter

$276.2 million

Free cash flow was $276.2 million for the current quarter versus $205.7 million in the prior year period.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Third Quarter Fiscal 2025 GAAP Revenue The company reported revenues of $536.4 million for the quarter as compared to $447.8 million reported in the prior year period, an increase of 20%.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

B revenuequarter

42%

B2B revenue increased 42%, primarily attributable to a higher unit price, an increase in volume of mortgage originations and a multi-year US license renewal on our insurance score product.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

C revenuequarter

6%

B2C revenue increased 6% from the prior year period due to increased revenue from our indirect channel partners.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Growthquarter

up 4%

Software Annual Recurring Revenue at June 30, 2025 was up 4% year-over-year, consisting of an 18% increase in platform ARR growth and a 2% decline in non-platform ARR.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

AI analysis

Q3 FY2025 · reported Jul 30, 2025

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Revenue · Q3 FY2025
$536M
EX-99 · Jul 30, 2025
Free cash flow · Q3 FY2025
$276.2M
EX-99 · Jul 30, 2025
Net income · Q3 FY2025
$181.8M
EX-99 · Jul 30, 2025
Non-GAAP Results Non-GAAP net income · Q3 FY2025
$210.6M
EX-99 · Jul 30, 2025

Headline figures

MetricQ3 FY2025Prior qtrYear ago
Revenue$536 million——
Net income$181.8 million——
Non-GAAP Results Non-GAAP net income$210.6 million——
Free cash flow$276.2 million——
B revenue42%——
C revenue6%——
Growthup 4%——

EX-99 · Jul 30, 2025

Guidance · company-stated

Direction: Raised

Company outlook — Raised

“We are pleased to announce that we are raising our full year guidance.”

Classified from the release's primary full-year outlook statement.

Next earningsNo verified date on fileNo date is estimated or imported

Cash flow & capex

Free cash flow$276.2M

Capital allocation

Free cash flow excludes capital expenditures.

On June 5, 2026, we amended our credit agreement to provide for the issuance of a $ 1.5 billion unsecured term loan that was borrowed in full on June 5, 2026 and matures on May 15, 2028.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Third Quarter Fiscal 2025 GAAP Results Net income for the quarter totaled $181.8 million, or $7.40 per share, versus $126.3 million, or $5.05 per share, in the prior year period

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Guidance & outlook

Direction: Raised

Company outlook — Raised (“raising”)
“We are pleased to announce that we are raising our full year guidance.”

Classified from the release's primary full-year outlook statement.

Capital allocation

Free cash flow excludes capital expenditures.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

On June 5, 2026, we amended our credit agreement to provide for the issuance of a $ 1.5 billion unsecured term loan that was borrowed in full on June 5, 2026 and matures on May 15, 2028.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

Borrowings under the credit agreement can be used for working capital and general corporate purposes and may also be used for the refinancing of existing debt, acquisitions, and the repurchase of our common stock.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

Principal on the term loan is to be repaid in consecutive quarterly installments on the last business day of March, June, September, and December equal to (i) $ 75.0 million from September 30, 2026 through and including June 30, 2027 and (ii) $ 112.5 million thereafter.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

The applicable margin for base rate borrowings and for SOFR borrowings for the loans under the credit agreement is determined based on our consolidated leverage ratio.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

The applicable margin for loans under the revolving line of credit for base rate borrowings ranges from 0 % to 1 % per annum and for SOFR borrowings ranges from 1 % to 2 % per annum.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

Strategy & priorities

Pacific Time) to report its third quarter fiscal 2025 results and provide various strategic and operational updates.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Words such as believes, anticipates, expects, intends, targeted, should, potential, goals, strategy, outlook, plan, estimated, will, variations of these terms and similar expressions are intended to identify forward-looking statements, but are not the exclusive means of identifying such statements.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

Risks & headwinds

Additional information on these risks and uncertainties and other factors that could affect FICO s future results are described from time to time in FICO s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2024 and its subsequent filings with the SEC.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

If any of these risks or uncertainties materializes, FICO s results could differ materially from its expectations.

SEC original ↗Fair Isaac — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Legal Proceedings 34 Item 1A.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

ASU 2025-06 removes references to prescriptive and sequential software development project stages, and instead requires capitalizing software costs when both of the following occur: (1) management has authorized and committed to funding the software project, and (2) it is probable that the project will be completed and the software will be used to perform the function intended, with consideration as to when significant uncertainty associated with the development activities of the software has been resolved.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

We record litigation accruals for legal matters which are both probable and estimable.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

For legal proceedings for which there is a reasonable possibility of loss (meaning those losses for which the likelihood is more than remote but less than probable), we have determined we do not have a material exposure, either individually or in the aggregate.

SEC original ↗Fair Isaac — 10-Q Quarterly report10-QJul 29, 2026

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Microsoft (MSFT) Information TechnologyTeradyne (TER) Information TechnologyASML Holding (ASML) Information TechnologyMicron Technology (MU) Information TechnologySeagate Technology (STX) Information TechnologyUnited Microelectronics (UMC) Information TechnologyMonolithic Power Systems (MPWR) Information TechnologyCoherent Corp. (COHR) Information Technology
Documents

Filings

32 documents

Earnings releases

12 documents

Presentations

0 documents

No presentations for Fair Isaac are held in this edition of the library.

Transcripts

0 documents

No transcripts for Fair Isaac are held in this edition of the library.

Mentioned by

11 companies

Other tracked companies whose held documents mention Fair Isaac by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.