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Fair Isaac Stock FICO

Fair Isaac Corporation · SEC filings · Reporting currency USD · Quarterly reporting · Figures as of Q3 FY2026 (Apr to Jun 2026) · updated 2026-10-27 · ISIN US3032501047 · WKN 873369

Fair Isaac Corporation develops and sells analytics software and data management products and services, primarily for financial services and related industries. Fair Isaac stock (FICO): Quarterly and annual results since 2023 from Quarterly Report and SEC filings: revenue, earnings, balance sheet, cash flow and management guidance, every figure with its source. As of 07/2026, quarterly reporting. Stock analysis by NadirAlpha. Fair Isaac stock (FICO): listed on NYSE, index S&P 500, WKN 873369. NadirAlpha has evaluated 50 original documents, cross-checked every figure automatically and linked each to its source; sources as of 07/2026. Revenue Q3 FY2026 (Apr to Jun 2026): USD 674 million (+26% year on year). Latest reported (Q3 FY2026 (Apr to Jun 2026)): ACV Bookings Total, Total Software Dollar-Based Net Retention Rate, Software Annual Recurring Revenue (ARR). Latest reading: Revenue decelerating, Guidance raised.

Revenue decelerating Guidance raised

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AI-generatedCreated with AI assistance from the company's linked original filings (transparency per Art. 50 EU AI Act). More about the tool: Claude Code.
Not investment adviceNeutral financial information, no recommendation, no investment research within the meaning of MiFID II.
Verify yourselfFigures are extracted automatically, errors are possible. Every figure is clickable with its source; the issuer's original documents are always authoritative.
EditorialThe texts (business model, current status, development and others) are written AI-editorially from the original reports alone, cross-checked automatically and backed with sources; the company's own account, no assessment of our own. Methodology
AI research · This page works as a source-backed data basis for further research with AI assistants such as Claude; every figure remains verifiable via the source links.

Fair Isaac Current Status

Where Fair Isaac stands after the report for Q3 FY2026: what changed in revenue, earnings and outlook, written editorially from the original report. NadirAlpha methodology

Assessment by NadirAlpha, as of Q3 FY2026 (Apr to Jun 2026).

Fair Isaac reported third-quarter revenue of 674.2 million, up 26% year over year, driven by 41% growth in Scores segment revenues 29. Operating income was 362.6 million, up 38%, and diluted EPS rose 41% to 10.45 29. Fair Isaac raised its full-year fiscal 2026 guidance across revenue and both GAAP and non-GAAP EPS metrics following the quarter's results 30.
Management commentary on the 2026-Q3 results (8-K-EX99.1, 2026-07-29):

“We delivered another quarter of strong performance, driven by the successful execution of our strategic priorities. We are pleased to announce that we are raising our full year guidance.”

Will Lansing, Chief Executive Officer 30
Revenue · 2026-Q3674$ million+25.7 % vs. 2025-Q3
Net profit · 2026-Q3237$ million+30.5 % vs. 2025-Q3
EPS · 2026-Q310.45$+41.2 % vs. 2025-Q3
Revenue trend
Guidance
For FY2026, Fair Isaac guides Revenue 2,530 $ million (raised); EPS (GAAP) 36.86 $ (raised); EPS (non-GAAP) 42.43 $ (raised). 30
Profitability
Fair Isaac's GAAP net income was 237.2 million, up 30% from 181.8 million in the prior-year quarter 30. Non-GAAP EPS was 12.18, up from 8.57 in the prior-year quarter 30. Operating cash flow was 380.4 million and free cash flow was 379.6 million for the quarter 30.
Leverage
Fair Isaac's net debt stood at 5,333.9 million as of June 30, 2026, with total debt rising to $5.6 billion following a new $1.5 billion term loan issued in 2026 29. Cash and equivalents were 248.4 million at quarter end 30. Fair Isaac also issued $1.0 billion of senior notes in March 2026 and repaid $400.0 million of 2018 Senior Notes prior to maturity 29.
Recurring
Fair Isaac's Software segment ARR increased 10% to $815.8 million as of June 30, 2026, with Platform ARR reaching 51% of total Software ARR 29. Platform ARR grew 62% year over year while non-platform ARR declined 17% 30. The Dollar-Based Net Retention Rate for the Software segment was 109% as of June 30, 2026 29.
Management view
Fair Isaac raised its full-year fiscal 2026 revenue guidance to $2.53 billion from $2.45 billion 30. Full-year GAAP EPS guidance was increased to $36.86 from $35.60 30. Full-year non-GAAP EPS guidance was raised to $42.43 from $40.45 30.
Change
Fair Isaac's Software segment revenue grew only 2% in the quarter, substantially below the 41% increase recorded by the Scores segment 30. Within the Scores segment, B2C revenues rose 5% from higher royalties through credit reporting agencies, compared with 49% growth in B2B Scores driven by higher mortgage origination scores unit price 30.
Risks (current)
Experian, TransUnion and Equifax collectively accounted for 51% of total revenues in fiscal 2025, and each also develops and sells products that compete with Fair Isaac 24. Fair Isaac is a defendant in consolidated putative class action antitrust lawsuits in the Northern District of Illinois 29. EU AI Act provisions taking effect in 2026 introduce compliance requirements for credit scoring systems using AI technologies, and use of the FICO Score by Fannie Mae and Freddie Mac remains subject to their ongoing validation and approval processes 24.

Fair Isaac Stock: Key Figures ($ million)

NadirAlpha shows fiscal years, half-years and quarters of Fair Isaac one below the other, most recently Q3 FY2026; every figure is clickable and leads to raw value, location and source. NadirAlpha extracts all values automatically from the filings; errors are possible; please verify decision-relevant figures yourself by clicking through to the linked original. NadirAlpha methodology

All figures serve only to support your own investment decision and are not a recommendation; the company's original reports are authoritative.

Revenue ($ million) · annual basis, as reported
Net income ($ million) · annual basis, as reported
EPS ($) · annual basis, as reported
Operating cash flow ($ million) · annual basis, as reported
Revenue ($ million) · quarterly basis, as reported
Net income ($ million) · quarterly basis, as reported
EPS ($) · quarterly basis, as reported
Operating cash flow ($ million) · quarterly basis, as reported
Cash ($ million) · annual basis, as reported
Debt ($ million) · annual basis, as reported
Net Debt ($ million) · annual basis, as reported
Capex ($ million) · annual basis, as reported
FCF ($ million) · annual basis, as reported
D&A ($ million) · annual basis, as reported
Cash ($ million) · quarterly basis, as reported
Debt ($ million) · quarterly basis, as reported
Net Debt ($ million) · quarterly basis, as reported
Capex ($ million) · quarterly basis, as reported
FCF ($ million) · quarterly basis, as reported
D&A ($ million) · quarterly basis, as reported
Shown: the most recent fiscal years. Full history since FY2016 is on record.

Fiscal years

Amounts in $ million · EPS in $ per share · as reported
Fair Isaac stock: key figures on annual basis, FY2023 to FY2025, in $ million. Compiled by NadirAlpha from SEC filings.
PeriodCalendar quarterRevenueOp. incomeNet incomeEPS ($)EPS adj. ($)OCFSource
FY2025Q4/2024–Q3/20251,990.9924.9651.926.5429.88778.824
FY2024Q4/2023–Q3/20241,717.5733.6512.820.4523.74~63315
FY2023Q4/2022–Q3/20231,513.6642.8429.416.9319.71~468.97

Quarters

Amounts in $ million · EPS in $ per share · as reported
Fair Isaac stock: key figures on quarterly basis, 2023-Q1 to 2026-Q3, in $ million. Compiled by NadirAlpha from SEC filings.
PeriodCalendar quarterPublishedRevenueOp. incomeNet incomeEPS ($)EPS adj. ($)FCFCashNet DebtSource
2026-Q3*Q2/20262026-07-29674.2362.6237.210.4512.18379.6248.45,333.929
2026-Q2*Q1/20262026-04-28691.7402.5264.511.1412.50223.1219.43,419.627
2026-Q1*Q4/20252026-01-28512234158.46.617.33173.91623,034.825
2025-Q4*Q3/20252025-11-05515.8237.21556.31*≈7.74219.5134.12,921.623
2025-Q3*Q2/20252025-07-30536.4262.5181.87.408.57284.41892,590.521
2025-Q2*Q1/20252025-04-29498.7245.6162.66.597.8172.8146.62,381.519
2025-Q1*Q4/20242025-02-04440179.5152.56.145.79193.2184.32,236.817
2024-Q4*Q3/20242024-11-06453.8197.2135.75.41*≈6.54224.7150.72,058.415
2024-Q3*Q2/20242024-07-31447.8190.3126.35.056.25211.61561,963.913
2024-Q2*Q1/20242024-04-25433.8194.8129.85.166.1467135.71,90811
2024-Q1*Q4/20232024-01-25382.1151.4121.14.804.81120.8160.41,839.69
2023-Q4*Q3/20232023-11-08389.7165.7101.44.00*≈5.01163136.81,724.97
2023-Q3*Q2/20232023-08-02398.7177128.85.085.66121.81631,651.65
2023-Q2*Q1/20232023-04-27380.3159.8101.54.004.7888.3137.81,679.93
2023-Q1*Q4/20222023-01-26344.9140.397.63.844.2691.6139.91,680.81
* derived: values with formula provenance (hover); Q4 = FY − 9M · H2 = FY − H1 · EPS via implied shares · net debt = financial debt − cash · FCF = OCF − |capex|.
Columns not reported in this reporting cadence are hidden: Op. income (adj.), EBITDA (adj.) (not reported in any source for these periods).

Fair Isaac Balance Sheet & Cash Flow ($ million)

NadirAlpha places cash, debt, operating cash flow and investments of Fair Isaac side by side per period, balance sheet values as of the period end, flow items for the period. NadirAlpha extracts all values automatically from the filings; errors are possible; please verify decision-relevant figures yourself by clicking through to the linked original. NadirAlpha methodology

Fiscal years

Amounts in $ million · as reported
Fair Isaac stock: balance sheet and cash flow on annual basis, FY2023 to FY2025, in $ million. Compiled by NadirAlpha from SEC filings.
PeriodCalendar quarterPublishedCashDebtNet DebtD&AOCFCapexFCFSource
FY2025Q4/2024–Q3/20252025-11-05134.13,055.72,921.615778.88.9769.923
FY2024Q4/2023–Q3/20242024-11-06150.72,2092,058.413.86338.9624.115
FY2023Q4/2022–Q3/20232023-11-08136.81,861.71,724.914.6468.94.2464.77

Quarters

Amounts in $ million · as reported
Fair Isaac stock: balance sheet and cash flow on quarterly basis, 2023-Q1 to 2026-Q3, in $ million. Compiled by NadirAlpha from SEC filings.
PeriodCalendar quarterPublishedCashDebtNet DebtD&AOCFCapexFCFSource
2026-Q3Q2/20262026-07-29248.45,582.45,333.94.2380.40.9379.629
2026-Q2Q1/20262026-04-28219.43,639.13,419.63.9223.40.3223.127
2026-Q1Q4/20252026-01-281623,196.83,034.84174.10.2173.925
2025-Q4Q3/20252025-11-05134.13,055.72,921.64223.74.2219.523
2025-Q3Q2/20252025-07-301892,779.62,590.52.9286.21.8284.421
2025-Q2Q1/20252025-04-29146.62,528.22,381.52.574.92.172.819
2025-Q1Q4/20242025-02-04184.32,421.12,236.83.51940.8193.217
2024-Q4Q3/20242024-11-06150.72,2092,058.43.8226.51.8224.715
2024-Q3Q2/20242024-07-311562,119.91,963.93213.31.7211.613
2024-Q2Q1/20242024-04-25135.72,043.71,9082.57146711
2024-Q1Q4/20232024-01-25160.42,0001,839.62.8122.11.4120.89
2023-Q4Q3/20232023-11-08136.81,861.71,724.931641.11637
2023-Q3Q2/20232023-08-021631,814.71,651.62.5122.60.8121.85
2023-Q2Q1/20232023-04-27137.81,817.71,679.93.289.81.588.33
2023-Q1Q4/20222023-01-26139.91,820.71,680.84.392.40.891.61
Debt = long-term + current · Net debt = debt − cash · FCF = OCF − capex.

Fair Isaac Guidance Tracking (latest per metric/period · 10/20)

NadirAlpha records 20 guidance statements of Fair Isaac neutrally: annual and quarterly targets, direction of change and outcome as a dot with legend, with no estimate of our own. NadirAlpha methodology

Actuals: revenue in $m · EPS in $ per share

Direction: confirmedraised Verdict: beatpending

Fair Isaac: guidance and actuals per metric and period, 20 entries. Compiled by NadirAlpha from SEC filings.
For periodGuided onMetricGuidedActualVerdictDirectionSource
FY20262026-07-29Revenue2,530–30
FY20262026-07-29EPS (GAAP)36.86–30
FY20262026-07-29EPS (non-GAAP)42.43–30
FY20262026-07-29GAAP Net Income850–30
FY20262026-07-29Non-GAAP Net Income979–30
FY20252025-07-30EPS (GAAP)25.626.5422
FY20252025-07-30EPS (non-GAAP)29.1529.8822
FY20252025-07-30GAAP Net Income630––22
FY20252025-07-30Non-GAAP Net Income718––22
FY20252024-11-06Revenue1,9801,990.922
FY20242024-07-31Revenue1,7001,717.514
FY20242024-07-31EPS (GAAP)19.920.4514
FY20242024-07-31EPS (non-GAAP)23.16––14
FY20242024-07-31GAAP Net Income500––14
FY20242024-07-31Non-GAAP Net Income582––14
FY20232023-08-02Revenue1,5001,513.66
FY20232023-08-02EPS (GAAP)16.916.936
FY20232023-08-02EPS (non-GAAP)19.7––6
FY20232023-08-02GAAP Net Income428––6
FY20232023-08-02Non-GAAP Net Income500––6

Fair Isaac Stock: Price & Chart

Chart and key figure trend of Fair Isaac stock: the TradingView chart starts only on click, the key figure chart comes from the core tables up to Q3 FY2026. NadirAlpha methodology

Daily candles with news and earnings markers. Loads only on click.

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Fair Isaac Event Timeline

What happened at Fair Isaac since 2023: events from the filings, grouped by quarter, with the source date and a clickable source number. NadirAlpha methodology

Overview: one dot per event · click jumps to the period
earningsrevenuemarginguidancestrategyfinancials2023-Q12023-Q22023-Q32023-Q42024-Q12024-Q22024-Q32024-Q42025-Q12025-Q22025-Q32025-Q42026-Q12026-Q22026-Q3
2026 · 11 events

revenue 2026-07-29
Revenue up 26% to USD 674.2 million; Scores up 41% and Software up 2% 30
revenue 2026-07-29
Software Platform ARR grew 62% year-over-year and reached 51% of total Software ARR of $815.8 million 30
Guidance raised 2026-07-29
Full-year fiscal 2026 revenue guidance raised to $2.53 billion from $2.45 billion; non-GAAP EPS guidance raised to $42.43 30
Revenue decelerating 2026-07-29
Revenue growth decelerated to +25.7% YoY (prior period +38.7%). 29

“We continue to deliver strong revenue and earnings growth. We are pleased to announce that we are raising our full year guidance.”

Will Lansing, Chief Executive Officer 28
Revenue accelerating 2026-04-28
Revenue up 39% to USD 691.7 million; Scores segment up 60% with B2B Scores up 72% on higher mortgage origination unit prices and volume 28
Revenue accelerating 2026-04-28
Software Platform ARR up 49% year-over-year to $788.8 million; Dollar-Based Net Retention Rate at 109% 27
Guidance raised 2026-04-28
Full-year fiscal 2026 revenue guidance raised from $2.35 billion to $2.45 billion; non-GAAP EPS guidance raised to $40.45 28
Cash flow inflection 2026-04-28
Operating cash flow reached USD 223.4 million vs USD 74.9 million in 2025-Q2 (×3.0). 27

“We had a good start to our fiscal year, with strong top and bottom-line growth. We reiterate our fiscal year 2026 guidance, which yields stronger growth than we achieved in FY25.”

Will Lansing, Chief Executive Officer 26
Revenue accelerating 2026-01-28
Revenue up 16% to USD 512 million; Scores segment up 29% on higher mortgage origination unit prices and volume 25
Margin expanding 2026-01-28
Cost of revenues as percentage of sales improved to 17% from 20% year-over-year, primarily due to higher-margin Scores products 25
Guidance confirmed 2026-01-28
Fiscal 2026 revenue guidance reiterated at $2.35 billion 26
2025 · 12 events

“I am very proud of our performance in FY25, another record year for FICO. I am also pleased to provide FY26 guidance, which includes even stronger growth than we achieved in FY25.”

Will Lansing, chief executive officer 23
Regulation 2025-11-07
Fannie Mae and Freddie Mac changed policy in July 2025 to permit mortgage originators to choose the credit score submitted with mortgages 24
revenue 2025-11-05
Q4 revenue up 14% to 515.8 million, with Software segment flat year-over-year; full-year revenue up 16% to 1,990.9 million 23
Guidance initiated 2025-11-05
FY2026 guidance initiated: revenues $2.35 billion, GAAP EPS $33.47, Non-GAAP EPS $38.17 23

“In our third fiscal quarter, we again delivered strong results with revenue growth of 20%, and even stronger earnings growth. We are pleased to announce that we are raising our full year guidance.”

Will Lansing, Chief Executive Officer 22
Revenue accelerating 2025-07-30
Q3 revenue up 20% to 536.4 million; Scores segment up 34% including a multi-year US insurance score license renewal; B2B Scores up 42% 22
Guidance raised 2025-07-30
Full year FY2025 guidance raised across revenue and earnings metrics 22

“In our second fiscal quarter, we again delivered strong results with revenue growth of 15%, and even stronger earnings growth. We reiterate our fiscal year 2025 guidance, which includes double-digit percentage growth for both revenue and earnings.”

Will Lansing, Chief Executive Officer 20
revenue 2025-04-29
Q2 revenue up 15% to 498.7 million; Scores segment up 25% with B2B up 31% on higher unit prices and increased mortgage originations 19
Guidance confirmed 2025-04-29
FY2025 guidance reiterated unchanged: revenues $1.98 billion, GAAP EPS $25.05, Non-GAAP EPS $28.58 20

“We had a good start to our fiscal year, with strong top and bottom-line growth. We reiterate our fiscal year 2025 guidance, which includes double-digit percentage growth for both revenue and earnings.”

Will Lansing, Chief Executive Officer 18
revenue 2025-02-04
Q1 revenue up 15% to 440 million; Scores segment up 23% driven by 30% B2B growth from higher unit prices and increased mortgage originations 17
Margin expanding 2025-02-04
Cost of revenues as a percentage of revenues decreased to 20% from 22%, attributable to higher-margin Scores products mix and lower-margin professional services 17
Guidance confirmed 2025-02-04
FY2025 guidance reiterated: revenues $1.98 billion, GAAP EPS $25.05, Non-GAAP EPS $28.58 18
earnings 2024-11-06
Full-year operating income grew 14% to USD 733.6 million, net income rose 19% to USD 512.8 million with diluted EPS up 21% to 20.45 15
Strategic pivot 2024-11-06
FICO Platform ARR reached $227.0 million at 31% of total Software ARR; FICO Decision Modeler integrated Blaze Advisor capabilities with cloud-native benefits 15
2024 · 11 events

“I am very proud of our performance in FY24, another record year for FICO financially. I am also pleased to provide our FY 2025 guidance, which includes double-digit percentage growth for all our metrics.”

Will Lansing, chief executive officer 16
Adjusted result turned positive ◦ 2024-11-06
Non-GAAP EPS of 6.54 in Q4 compared to $5.01 in the prior year quarter 16
Revenue accelerating 2024-11-06
Revenue increased 16% to USD 453.8 million, Scores segment grew 27% to $249.2 million with B2B revenue up 38% from higher unit prices 16
Guidance initiated 2024-11-06
FY2025 guidance initiated with revenues of $1.98 billion and non-GAAP EPS of $28.58 16

“We delivered significant growth throughout the business, with strong adoption of FICO 10 T and FICO Platform. We are pleased to announce that we are raising our full year guidance.”

Will Lansing, chief executive officer 14
earnings 2024-07-31
Q3 net income decreased 2% to USD 126.3 million year-over-year, though nine-month net income increased 15% year-to-date 13
revenue 2024-07-31
Revenue increased 12% to USD 447.8 million, Scores segment grew 20% to $241.4 million driven by higher unit prices 13
Guidance raised 2024-07-31
FY2024 guidance raised: revenues to $1.700 billion, Non-GAAP EPS to $23.16 14

“We delivered a strong second quarter, posting double-digit growth across all our guided metrics. We are pleased to announce that we are raising our full year guidance.”

Will Lansing, Chief Executive Officer 12
Revenue accelerating 2024-04-25
Revenue increased 14% to USD 433.8 million, Scores segment grew 19% to $236.9 million driven by higher unit prices 11
Guidance raised 2024-04-25
FY2024 guidance raised: revenues to $1.690 billion, Non-GAAP EPS to $22.80 12

“We had a good start to our fiscal year, with another quarter of strong growth. We reiterate our fiscal year 2024 guidance, which includes double-digit percentage revenue and EPS growth.”

Will Lansing, chief executive officer 10
revenue 2024-01-25
Total revenue grew 11% to USD 382.1 million, with Scores segment up 8% to $192.1 million and Software segment up 14% to $190.0 million 9
Guidance confirmed 2024-01-25
FY2024 guidance reiterated: revenues of $1.675 billion, Non-GAAP EPS of $22.45 10
New market 2023-11-08
Fair Isaac launched FICO Score 10 in Canada, Score 6 in South Africa, and Score 4 in Mexico 7
2023 · 8 events

“We had another great year, posting strong double-digit growth across all our metrics. We are also pleased to provide our FY 2024 guidance, which includes double-digit percentage revenue and EPS growth, demonstrating the remarkable resilience of our business model even in an uncertain macro-economic environment.”

Will Lansing, chief executive officer 8
revenue 2023-11-08
Q4 revenue up 11.8% to USD 389.7 million; full-year revenue up 9.9% to USD 1,513.6 million 8
Guidance initiated 2023-11-08
FY2024 revenue guidance of $1.675 billion with double-digit growth expected 8

“We delivered another excellent quarter, with record-setting results throughout the business. We posted solid growth in our Scores segment, and again delivered strong ARR growth in Software.”

Will Lansing, Chief Executive Officer 6
Revenue accelerating 2023-08-02
Revenue up 14% to USD 398.7 million; Scores segment up 13%, Software segment up 16%, Software ARR up 20% year-over-year 5
Guidance raised 2023-08-02
FY2023 revenue guidance raised from $1.48 billion to $1.50 billion 6

“Halfway through our fiscal year we continue to deliver strong results. We had our biggest quarter ever, with record Scores revenues and strong Software ARR growth.”

Will Lansing, Chief Executive Officer 4
revenue 2023-04-27
Revenue up 6% to USD 380.3 million; Software ARR reached $613.5 million, up 17% year-over-year 3
Guidance raised 2023-04-27
FY2023 full-year revenue guidance raised to $1.48 billion 4

“We had a strong start to our Fiscal 2023. We continue to deliver earnings growth, and are pleased with the progress we are making on our strategic initiatives.”

Will Lansing, chief executive officer 2
Revenue accelerating 2023-01-26
Revenue up 7% to USD 344.9 million; Scores segment up 5%, Software segment up 9% year-over-year 1
Divestiture 2023-01-26
Sold certain assets of Siron compliance business generating a gain of $1.9 million 1

Fair Isaac Business Model

What Fair Isaac does and how the company earns its money, written AI-editorially from the original reports alone, without any assessment of our own. NadirAlpha methodology

Fair Isaac Corporation develops and sells analytics software and data management products and services, primarily for financial services and related industries. Fair Isaac operates through two segments: Scores, which licenses the FICO credit score to consumer credit bureaus and lenders for use in credit decisions (B2B through financial institutions and B2C through direct consumer channels); and Software, which provides decision management and analytics platforms including the cloud-native FICO Platform. Revenue is earned through score licensing fees structured by volume and unit price, subscription and usage-based software contracts, and professional services. The Software segment is in transition toward platform-based cloud subscriptions, with Platform ARR representing a growing share of total Software ARR.

Fair Isaac Stock: Share-Price Drivers

What determines the business trajectory of Fair Isaac according to management, summarised from the reports up to Q3 FY2026. NadirAlpha methodology

Fair Isaac Scores segment, led by mortgage-origination royalties on the FICO Score
Fair Isaac reported Scores revenue with a stated growth of 29 percent, outpacing the Software side and lifting group revenue to USD 674.2 million in 2026-Q3 26 30
FICO Scores and mortgage-score adoption
Fair Isaac stated Scores growth of 29 percent 26; FICO Score 10 and 10 T conforming mortgage implementation is planned per the FHFA timeline 15, and FICO Score 10 T BNPL and FICO Score 10 BNPL launched in FY2025 24, pointing to broadening traction
FICO Platform and Software
Fair Isaac stated Software growth of 2 percent 26; FICO Platform Marketplace and the FICO Score Mortgage Simulator launched in FY2025 24, under a strategy to migrate substantially all software products to the platform 7, so uptake is building more slowly than Scores
Capital returns and leverage
Fair Isaac authorized a $1.0 billion stock repurchase program in July 2024 and a $500 million program in January 2024 15, and issued $1.0 billion of senior notes on 2026-03-20 27 and 1.5 billion of senior notes on 2025-05-13 21; net debt stood at USD 5,333.9 million in 2026-Q3, higher than in prior quarters 30
Earnings and cash generation
Fair Isaac posted operating income of USD 362.6 million and free cash flow of USD 379.6 million in 2026-Q3, with guidance raised 30

Sector trend: Demand for credit scores and decisioning software is firming, with Fair Isaac reporting Scores growth of 29 percent ahead of Software at 2 percent 26 and operating income of USD 362.6 million on revenue of USD 674.2 million in 2026-Q3, so profitability is trending higher 30.

Fair Isaac Revenue by Type (as of 2026-Q3 · USD million · 4/6)

Where the revenue of Fair Isaac comes from: segments and product types with share, growth and margin, as of Q3 FY2026, older structures remain in the expandable part. NadirAlpha methodology

Fair Isaac: revenue by segment, as of 2026-Q3, in USD million. Compiled by NadirAlpha from SEC filings.
SegmentSinceRevenueGrowthSource
Period 2026-Q2
Scores B2B–––28
Scores B2C–––28
Period 2026-Q1 (3M)
Scores2022-Q3304.529%26
Software2022-Q3207.52%26
Period 2022-Q2 (3M)
Scores (prior year)2022-Q2183.7–4
Software (prior year)2022-Q2173.5–4

Fair Isaac Products & announcements (3/16 active+recent)

What Fair Isaac launched, had approved or announced, from the filings up to Q3 FY2026, each row with the date of first mention. NadirAlpha methodology

Status: LaunchedPlanned

Fair Isaac: product announcements from the filings, 16 entries. Compiled by NadirAlpha from SEC filings.
Product/LineSinceStatusSource
2025
FICO Score in Kenya202524
FICO Score Mortgage Simulator202524
FICO Platform Marketplace202524
2024
UltraFICO Score202415
FICO Strategy Director on FICO Platform202415
FICO Score based on Ukrainian Bureau of Credit Histories data202415
FICO Resilience Index expansion202415
FICO Platform cloud-delivered product expansion geographically and by customer type202415
FICO Originations Solution on FICO Platform (4x)202415
FICO Fraud Solutions capabilities on FICO Platform202415
FICO Educational Analytics Challenge for HBCUs202415
Alternative data scores and credit score layering with UltraFICO and Score XD202415
2023
FICO Platform strategy to migrate substantially all software products20237
FICO Decision Modeler (2x)202315
2021
Bankcard and Auto Industry versions of FICO Score 10202115
2020
FICO Score XD (6x)202015

Fair Isaac Transactions & Events (2)

All recorded acquisitions, divestitures and exits of Fair Isaac, plus partnerships, contracts and regulatory events affecting the business, each with date and source. NadirAlpha methodology

Divestitures and exits by Fair Isaac

Fair Isaac: Divestitures / exits, 1 entries. Compiled by NadirAlpha from SEC filings.
Transaction / stakeDateTypeSource
2022
Siron compliance business assets sale (2x)2022-03Divested13

Regulation and legislation at Fair Isaac

Fair Isaac: Regulation & legislation, 1 entries. Compiled by NadirAlpha from SEC filings.
Transaction / stakeDateTypeSource
2025
Multi-year US license renewal on insurance score product (2x)2025-09Regulation21

Fair Isaac Risks (37 since the annual report of 2025-11-07, 123 tracked in total)

Which risks Fair Isaac has named since the annual report, company-specific first, generic standard risks in the expandable part; first mention refers to the document base from 2023. NadirAlpha methodology

Category: LegalFinancialCustomersRegulatoryTechnologyCompetitionCyberStrategyPeopleMacroGeopoliticsMarket

Fair Isaac: risk factors as reported, 37 since the last annual report, 123 tracked. Compiled by NadirAlpha from SEC filings.
RiskCategoryLast reported
Fair Isaac: first mention in 10-Q quarterly report of 2025-02-04 (2025-Q1), source 17
FICO defendant in consolidated putative class action antitrust lawsuits in Northern District of Illinois.2026-Q3
2026-07-29 29
Fair Isaac: first mention in 10-Q quarterly report of 2026-04-28 (2026-Q2), source 27
Foreign currency exposure on receivables and cash balances mitigated by forward contracts.=
Fair Isaac: first mention in 10-Q quarterly report of 2026-01-28 (2026-Q1), source 25
Credit agreement contains maximum consolidated leverage ratio covenant of 3.5 to 1.0.=
$400.0 million principal payment due on 2018 Senior Notes within next 12 months.=
FICO Score distribution subject to ongoing Sherman Act Section 2 claims and state law claims.=
Fair Isaac: first mention in 10-K annual report of 2025-11-07 (FY2025), source 24
Acquisition activities may disrupt ongoing business, involve unexpected contingent liabilities, or fail to achieve expected returns.=
92% of fiscal 2025 revenues derived from banking industry; financial institution bankruptcies or credit deterioration could harm business.=
Long and variable sales cycles make quarterly revenue forecasting difficult.=
Use of FICO Score by Fannie Mae and Freddie Mac is subject to ongoing validation and approval; changes in their policies could materially affect revenues.=
Various proceedings, lawsuits and claims relating to products, services, technology, labor matters; potential material impact on financial position.=
Industry subject to patent infringement claims; defending claims requires significant resources.=
Increased regulatory focus on residential mortgage closing costs may limit ability to increase FICO Score pricing.=
Dependency on external data centers; disruptions could interrupt service availability.=
Experian, TransUnion and Equifax have developed competing credit scoring product (VantageScore joint venture).=
Cybersecurity breaches could expose customer data, trigger regulatory fines, and damage reputation.=
Divestitures involve risks including revenue reductions, operational disruption and loss of key personnel.=
Demand for decisioning solutions sensitive to economic conditions and credit market volumes.=
Success depends on ability to move substantially all software products to FICO Platform; market receptiveness is uncertain.=
Many competitors have greater financial, technical and marketing resources; industry consolidation creating larger competitors.=
Fair Isaac: first mention in 10-Q quarterly report of 2025-07-30 (2025-Q3), source 21
Foreign tax law changes related to transfer pricing impacted results in Q3 2025=
Fair Isaac: first mention in 10-K annual report of 2024-11-06 (FY2024), source 15
Company subject to data privacy and regulatory requirements across multiple jurisdictions.2026-Q2
2026-04-28 27
Future growth depends on introducing new products and enhancements; delays or errors could harm business.FY2025
2025-11-07 24
Rapid changes in AI technologies may require continuous product enhancements or risk obsolescence.FY2025
2025-11-07 24
Fair Isaac: first mention in 8-K-EX99.1 earnings release of 2023-11-08 (2023-Q4), source 8
Competitive labor market for software engineers, data scientists and cybersecurity specialists.FY2025
2025-11-07 24
Global economic stress, tariffs and inflation could reduce customer technology purchases.FY2025
2025-11-07 24
Fair Isaac: first mention in 10-K annual report of 2023-11-08 (FY2023), source 7
Revenues from Experian, TransUnion and Equifax collectively accounted for 51% of total revenues in fiscal 2025.FY2025
2025-11-07 24
Failure to maintain data sourcing relationships could limit access to data required for product development.FY2025
2025-11-07 24
Proprietary technology could be used by others without consent; patent protection is limited and evolving for AI technologies.FY2025
2025-11-07 24
EU AI Act provisions take effect 2026; requirements for credit scoring systems using AI technologies.FY2025
2025-11-07 24
Key distributors including Experian, TransUnion and Equifax compete with FICO by developing and selling competitive products.FY2025
2025-11-07 24
Interest rate changes impact fair value of Senior Notes and borrowing costs.2026-Q2
2026-04-28 27
23% of revenues from international sales; exposed to geopolitical tensions and currency risk.FY2025
2025-11-07 24
International markets present greater risks; FICO is less well-known in some markets that have experienced disruption.FY2025
2025-11-07 24
Changes in technology, including increased use of AI, may affect market acceptance of scoring and software products.FY2025
2025-11-07 24
Fair Isaac: first mention in 10-Q quarterly report of 2023-01-26 (2023-Q1), source 1
Foreign exchange rate fluctuations on foreign-currency-denominated receivables and cash balances.2026-Q1
2026-01-28 25
Changes in interest rates could affect fair value of Senior Notes and borrowing costs under revolving credit facility.2026-Q1
2026-01-28 25
Demand depends heavily on macroeconomic conditions including U.S. mortgage and credit card market volumes.FY2025
2025-11-07 24
= last mention identical with the first mention (same source)

Fair Isaac Reported KPIs (as disclosed) (224)

NadirAlpha collects 224 reported KPIs of Fair Isaac from the filings up to Q3 FY2026; the definition comes from the company, period and source are stated at every value. NadirAlpha methodology

Company-specific KPIs verbatim from the filings (English, as disclosed; not normalised). Balance-sheet and boilerplate items filtered.
Fair Isaac: reported KPIs as disclosed, 224 entries. Compiled by NadirAlpha from SEC filings.
KPIValue / changeSource
Fair Isaac, published 2026-07-29, period 2026-Q3
platform software Net Retention Rate148%30
platform ARR growth62% increase30
non-platform software Net Retention Rate82%30
non-platform ARR17% decline30
Total Software Dollar-Based Net Retention Rate109%30
Total Debt Balance5.629
Term Loan Interest Rate5.863 %29
Term Loan Balance1,500.029
Software Annual Recurring Revenue (ARR)up 10% year-over-year30
Share Repurchases Quarter2.329
Share Repurchases3.129
Senior Notes Total Face Value3,400,00029
Senior Notes 2026 Face Value1,000,00029
Senior Notes 2025 Face Value1,500,00029
Senior Notes 2019 2021 Face Value900,00029
Senior Notes 2018 Face Value029
Revolving Line of Credit Balance710.029
Revolving Credit Weighted Average Rate5.643 %29
DBNRR Total June109 %29
DBNRR Total June103 %29
DBNRR Platform June148 %29
DBNRR Platform June115 %29
DBNRR Non-Platform June82 %29
DBNRR Non-Platform June97 %29
Cash and Equivalents Yield2.97 %29
Cash and Equivalents Investment248,44429
Cash and Cash Equivalents248.429
ASR Agreement Amount1.529
ARR Total June815.829
ARR Total June739.129
ARR Platform June412.829
ARR Platform June254.229
ARR Non-Platform June403.029
ARR Non-Platform June484.929
ACV Bookings Total29.129
ACV Bookings Prior Year26.729
ACV Bookings69.729
ACV Bookings95.229
Fair Isaac, published 2026-04-28, period 2026-Q2
Total debt$3.627
Software Dollar-Based Net Retention Rate109%28
Software ARR growth10%28
Platform software Net Retention Rate136%28
Platform ARR growth49%28
Platform ARR$348.827
Non-platform software Net Retention Rate90%28
Non-platform ARR decline-8%28
Non-platform ARR$440.027
Dollar-Based Net Retention Rate109%27
Cash and cash equivalents$219.427
Annual Recurring Revenue$788.827
Fair Isaac, published 2026-01-28, period 2026-Q1
Software Dollar-Based Net Retention Rate103%26
Software Annual Recurring Revenue (ARR)up 5% year-over-year26
Platform software net retention122%26
Platform ARR33% increase26
Non-platform software net retention91%26
Non-platform ARR8% decline26
DBNRR103%25
ARR$766.025
ACV Bookings$37.825
Fair Isaac, published 2025-11-07, period FY2025
DBNRR102%24
ARR747.324
ACV Bookings102.424
Fair Isaac, published 2025-11-05, period 2025-Q4
Total Software Dollar-Based Net Retention Rate102%23
Software Annual Recurring Revenueup 4% year-over-year23
Platform software Net Retention Rate112%23
Platform ARR16% increase23
Non-platform software Net Retention Rate97%23
Non-platform ARR2% decline23
Fair Isaac, published 2025-07-30, period 2025-Q3
Total Software Dollar-Based Net Retention Rate103%22
Software ARR growth4%22
Platform software Net Retention Rate115%22
Platform ARR percentage34%21
Platform ARR growth18%22
Non-platform software Net Retention Rate97%22
Non-platform ARR decline-2%22
Non-platform ARR percentage66%21
DBNRR Total103%21
DBNRR Platform115%21
DBNRR Non-platform97%21
ARR739.121
ACV Bookings Platform26.721
Fair Isaac, published 2025-04-29, period 2025-Q2
Software Dollar-Based Net Retention Rate102%20
Software ARR growth3%20
Platform software net retention rate110%20
Platform ARR growth17%20
Non-platform software net retention rate96%20
Non-platform ARR decline-3%20
Dollar-Based Net Retention Rate (DBNRR) - Platform110%19
Dollar-Based Net Retention Rate (DBNRR) - Non-platform96%19
Dollar-Based Net Retention Rate (DBNRR)102%19
Annual Recurring Revenue (ARR) - Platform234.719
Annual Recurring Revenue (ARR) - Non-platform479.919
Annual Recurring Revenue (ARR)714.619
ACV Bookings35.119
ACV Bookings43.019
ACV Bookings - Prior Year16.819
ACV Bookings21.819
Fair Isaac, published 2025-02-04, period 2025-Q1
Software Dollar-Based Net Retention Rate105%18
Software ARR growth6%18
Platform software Net Retention Rate112%18
Platform ARR growth20%18
Non-platform software Net Retention Rate100%18
Non-platform ARR growth1%18
DBNRR105%17
ARR729.317
ACV Bookings21.217
Fair Isaac, published 2024-11-06, period FY2024
US trademarks registered2415
US patents held19815
Scores segment revenue pct45%15
Scores segment revenue pct41%15
Scores segment revenue pct39%15
Promotion rate annual20%15
Platform ARR pct of total software ARR31%15
Patent applications pending7515
Foreign patents held2915
Financial services revenue pct92%15
Equity program participation33%15
Annual Recurring Revenue platform$227.0 million15
Americas revenue pct84%15
Dollar Based Net Retention Rate DBNRR106%15
Annual Recurring Revenue ARR721.2 million15
ACV Bookings Total84.7 million15
Fair Isaac, published 2024-11-06, period 2024-Q4
Software Dollar-Based Net Retention Rate106%16
Software Annual Recurring Revenueup 8% year-over-year16
Platform software net retention rate123%16
Platform ARR growth31%16
Non-platform software net retention rate99%16
Fair Isaac, published 2024-07-31, period 2024-Q3
Software Dollar-Based Net Retention Rate108%14
Software ARR growth10%14
Platform software Dollar-Based Net Retention Rate124%14
Platform ARR growth31%14
Non-platform software Dollar-Based Net Retention Rate101%14
Non-platform growth3%14
DBNRR108%13
ARR709.613
ACV Bookings27.513
Fair Isaac, published 2024-04-25, period 2024-Q2
Software Dollar-Based Net Retention Rate112%12
Software ARR growth14%12
Platform software Dollar-Based Net Retention Rate126%12
Platform ARR growth32%12
Non-platform software Dollar-Based Net Retention Rate106%12
Non-platform ARR growth8%12
Dollar Based Net Retention Rate Software112%11
DBNRR Total112%11
DBNRR Platform126%11
DBNRR Non-Platform106%11
Annual Recurring Revenue Software697.0 million11
ARR Total697.011
ARR Platform201.411
ARR Non-Platform495.611
ACV Bookings Total16.811
Fair Isaac, published 2024-01-25, period 2024-Q1
Software Dollar-Based Net Retention Rate114%10
Software ARR growth18%10
Platform Software DBNRR136%10
Platform ARR growth43%10
Non-Platform Software DBNRR108%10
Non-platform ARR growth11%10
Dollar-Based Net Retention Rate114 %9
Annual Recurring Revenue687.7 million9
ACV Bookings18.39
Fair Isaac, published 2023-11-08, period FY2023
U.S. trademarks registered247
U.S. patents held1967
Revenues from Experian, TransUnion and Equifax collectively in fiscal41%7
Revenues from Experian, TransUnion and Equifax collectively in fiscal39%7
Revenues from Experian, TransUnion and Equifax collectively in fiscal38%7
Platform Percentage26%7
Patent applications pending697
Non-Platform Percentage74%7
Foreign patents held237
Financial services revenue percentage in91%7
DBNRR Total120%7
DBNRR Platform145%7
DBNRR Non-Platform111%7
Americas revenue percentage in85%7
ARR from FICO Platform based products as percentage of total software ARR26%7
ARR from FICO Platform based products173.2 million7
ARR Total$669.4 million7
ARR Platform$173.2 million7
ARR Non-Platform$496.2 million7
ACV Bookings Total$93.9 million7
Fair Isaac, published 2023-11-08, period 2023-Q4
Software Platform Dollar-Based Net Retention Rate145%8
Software Platform ARR growth53%8
Software Non-platform growth14%8
Software Non-platform Dollar-Based Net Retention Rate111%8
Software Dollar-Based Net Retention Rate120%8
Software ARR growth22%8
Fair Isaac, published 2023-08-02, period 2023-Q3
Software Dollar-Based Net Retention Rate117%6
Software ARR growth20%6
Platform software Dollar-Based Net Retention Rate142%6
Platform software ARR growth53%6
Platform percentage25%5
Platform YoY Growth53%5
Non-platform software Dollar-Based Net Retention Rate109%6
Non-platform ARR growth11%6
Non platform percentage75%5
Non platform YoY Growth11%5
DBNRR Total117%5
DBNRR Platform142%5
DBNRR Non-platform109%5
Cash and cash equivalents$163.0 million5
ARR YoY Growth20%5
ARR Platform$164.1 million5
ARR Non platform$481.8 million5
ARR$645.9 million5
ACV Bookings Quarter$21.1 million5
ACV Bookings$65.9 million5
Fair Isaac, published 2023-04-27, period 2023-Q2
Software Dollar-Based Net Retention Rate114%4
Software ARR growth17%4
Platform software net retention rate146%4
Platform ARR growth60%4
Non-platform software net retention rate105%4
Non-platform growth7%4
Dollar-Based Net Retention Rate114%3
Annual Recurring Revenue613.5 million3
ACV Bookings - Total on-premises and SaaS software23.3 million3
Fair Isaac, published 2023-01-26, period 2023-Q1
Software Dollar-Based Net Retention Rate110%2
Software ARR growth11%2
Platform software Dollar-Based Net Retention Rate130%2
Platform ARR growth46%2
Non-platform software Dollar-Based Net Retention Rate103%2
Non-platform ARR growth4%2
Dollar-Based Net Retention Rate110%1
Annual Recurring Revenue582.91
ACV Bookings21.51

Fair Isaac Development

How Fair Isaac has developed since 2023: one paragraph per period on revenue, earnings, cash flow and drivers, most recent period first, grouped by year. NadirAlpha methodology

FY2026: Fair Isaac

Fair Isaac reported revenues of USD 512 million in the first fiscal quarter, up 16% year-over-year, with the Scores segment growing 29% on higher mortgage origination unit prices and volumes 25. Second-quarter revenues reached USD 691.7 million, up 39%, as Scores segment revenue grew 60% and B2B Scores grew 72%, while Software segment Platform ARR grew 49% year-over-year 28. Third-quarter revenues were USD 674.2 million, up 26%, with Scores up 41% and Software ARR reaching $815.8 million, of which Platform ARR represented 51% of the total 29 30. Fair Isaac raised its full-year fiscal 2026 revenue guidance twice during the year, from $2.35 billion following Q1 to $2.45 billion after Q2, then to $2.53 billion following Q3 26 28 30. Operating cash flow for the nine months ended June 30, 2026 reached $777.9 million, while the company executed $3.1 billion in share repurchases over the same period, funded in part by new debt issuances 29.

FY2025: Fair Isaac

Fair Isaac reported total revenues of 1,990.9 million in fiscal 2025, up 16% year-over-year, with Scores segment revenues rising 27% to $1.2 billion on higher unit pricing and increased mortgage origination volume 24. Operating income increased 26% to 924.9 million and net income grew 27% to 651.9 million, with diluted EPS up 30% to 26.54 24. Software segment Annual Recurring Revenue grew 4% to $747.3 million as of fiscal year end, with the FICO Platform component reaching $263.6 million or 35% of total Software ARR 24. Cash flow from operating activities rose to 778.8 million from $633.0 million in fiscal 2024, and Fair Isaac repurchased 0.8 million shares for $1.4 billion during the year 24. The company issued fiscal 2026 guidance of revenues of $2.35 billion, GAAP EPS of $33.47, and Non-GAAP EPS of $38.17 23.

FY2024: Fair Isaac

Fair Isaac delivered full-year fiscal 2024 revenues of USD 1,717.5 million, a 13% increase year-over-year, with the Scores segment contributing $919.7 million, up 19%, driven by higher unit prices and increased international expansion, and the Software segment ending the year with annual recurring revenue of $721.2 million, up 8% 15. Operating income grew 14% to USD 733.6 million and net income rose 19% to USD 512.8 million, with diluted EPS of 20.45, up 21% year-over-year 15. The FICO Platform annual recurring revenue reached $227.0 million, representing 31% of total Software ARR as of September 30, 2024, with FICO Score 10 and 10T adoption advancing for non-conforming mortgages and conforming mortgage implementation planned per FHFA timeline 15. Cash flow from operating activities reached USD 633 million, and the company returned $833.3 million to shareholders through stock repurchases during the year 15. For fiscal 2025, the company initiated guidance with revenues of $1.98 billion and non-GAAP EPS of $28.58 16.

FY2023: Fair Isaac

Fair Isaac reported total revenue of USD 1,513.6 million for fiscal 2023, up 10% year-over-year, as operating income rose 19% to USD 642.8 million 7. The Scores segment benefited from higher unit prices, while Software annual recurring revenue reached $669.4 million, up 22% from fiscal 2022, and FICO Platform ARR grew 53% to $173.2 million 7. Net income increased 15% to USD 429.4 million, with diluted EPS rising 19% to 16.93 7. Free cash flow for the full year was USD 464.7 million, compared with $503.4 million in the prior year 8, while the company also repurchased 0.6 million shares for $407.3 million and expanded FICO Score offerings to Canada, South Africa, and Mexico 7.

Glossary

  • Revenue: Revenue from contracts with customers, net of sales deductions, as the company itself reports it; not total output, gross revenue, GMV or order intake.
  • Op. income: The operating line of the income statement; EBIT only as a marked fallback, never pre-tax or ordinary income.
  • Net income: Net income attributable to the shareholders of the parent, after discontinued operations; not the result including minority interests, not comprehensive income.
  • EPS: Diluted earnings per share attributable to the shareholders of the parent; a printed figure always beats a calculated one, calculated values are marked.
  • EPS adj.: Adjusted earnings per share, verbatim and company-defined (non-GAAP).
  • FCF: Free cash flow = operating cash flow minus capital expenditure on property, plant and equipment; the company's own free cash flow figure is shown separately.
  • OCF: Cash flow from operating activities as reported; IFRS companies may show interest paid in financing cash flow, so the figure is not always comparable.
  • Cash: Cash and cash equivalents, without securities unless the company reports them as part of the position.
  • Net Debt: Net debt = financial debt excluding lease liabilities minus cash at the same reporting date; the company's own net position may differ.
  • *: derived, the formula is in the hover
  • ≈: calculated, approximation
  • ~: uncertain; the value stays visible, verdicts do not use it
  • °: repaired by a targeted query against the document, or curated with documentary evidence
  • EBIT: EBIT as a fallback: the income statement carries no operating line
  • basic: basic earnings per share as a fallback when diluted is missing

Sources: quarterly reports, annual reports and investor relations documents

All original documents NadirAlpha used for this report on Fair Isaac stock: quarterly and annual reports, earnings releases and investor relations documents, sorted by publication, the document type is the link. NadirAlpha methodology

50 documents · 2016 to 2026 · SEC EDGAR (USA)
Sources for Fair Isaac stock: 50 original documents, 2016 to 2026. Compiled by NadirAlpha.
#Document typePublished
#110-Q quarterly report2023-01-26
#28-K-EX99.1 earnings release2023-01-26
#310-Q quarterly report2023-04-27
#48-K-EX99.1 earnings release2023-04-27
#510-Q quarterly report2023-08-02
#68-K-EX99.1 earnings release2023-08-02
#710-K annual report2023-11-08
#88-K-EX99.1 earnings release2023-11-08
#910-Q quarterly report2024-01-25
#108-K-EX99.1 earnings release2024-01-25
#1110-Q quarterly report2024-04-25
#12 / #1128-K-EX99.1 earnings release2024-04-25
#1310-Q quarterly report2024-07-31
#14 / #1148-K-EX99.1 earnings release2024-07-31
#1510-K annual report2024-11-06
#168-K-EX99.1 earnings release2024-11-06
#1710-Q quarterly report2025-02-04
#18 / #1188-K-EX99.1 earnings release2025-02-04
#1910-Q quarterly report2025-04-29
#20 / #1208-K-EX99.1 earnings release2025-04-29
#2110-Q quarterly report2025-07-30
#22 / #1228-K-EX99.1 earnings release2025-07-30
#23 / #1238-K-EX99.1 earnings release2025-11-05
#2410-K annual report2025-11-07
#2510-Q quarterly report2026-01-28
#26 / #1268-K-EX99.1 earnings release2026-01-28
#2710-Q quarterly report2026-04-28
#28 / #1288-K-EX99.1 earnings release2026-04-28
#2910-Q quarterly report2026-07-29
#30 / #1308-K-EX99.1 earnings release2026-07-29
Older sources (+20)
Older sources for Fair Isaac, 20 documents
#Document typePublished
#20110-Q quarterly report2016-05-04
#20210-K annual report2016-05-04
#20510-K annual report2016-11-10
#20810-K annual report2016-11-10
#20310-Q quarterly report2017-04-27
#20610-Q quarterly report2018-01-25
#20710-Q quarterly report2018-04-26
#20410-Q quarterly report2018-07-26
#20910-Q quarterly report2019-01-30
#21010-Q quarterly report2019-04-30
#21110-Q quarterly report2019-07-31
#21210-K annual report2019-11-08
#21610-K annual report2019-11-08
#21310-Q quarterly report2020-01-30
#21410-Q quarterly report2020-04-29
#21510-Q quarterly report2020-07-29
#22010-K annual report2020-11-12
#21710-Q quarterly report2021-01-28
#21810-Q quarterly report2021-05-05
#21910-Q quarterly report2021-08-03

Fair Isaac Stock FAQ

Is there a management forecast (guidance) for FY2026?

Yes. Management has issued targets for FY2026, including Revenue. The guidance tracking chapter shows all targets and checks them against the actuals reported later; neutral, with no estimate of our own.

Which additional key figures does Fair Isaac report?

As reported for Q3 FY2026 (Apr to Jun 2026): ACV Bookings Total, Total Software Dollar-Based Net Retention Rate, Software Annual Recurring Revenue (ARR), ACV Bookings Nine Months, Total Debt Balance, Term Loan Interest Rate. The chapter Reported KPIs lists every value with its source. Revenue is broken down by Scores, Software, Scores (prior year), Software (prior year).

Where can I find the official investor relations documents of Fair Isaac?

NadirAlpha links all 50 original filings used (SEC filings) in the sources chapter: quarterly report, earnings release, annual report, each with type, publication date and a direct link; every figure in the report carries a source number.

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