FICO at a glance
Fair Isaac (FICO, SEC CIK 814547) filed its latest 10-K annual report on November 7, 2025, a 10-Q quarterly report on July 29, 2026, an 8-K current report on October 6, 2026 and Form 4 insider filings as recently as August 25, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended September 30, 2025 (FY2025), Fair Isaac (FICO) reported revenue of $2.0 billion (up 15.9% from FY2024) and net income of $651.9 million. Diluted EPS was $26.54.
- As of June 30, 2026, 42 institutional investment managers tracked by SignalX reported holding Fair Isaac (FICO) shares worth $10.1 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Manolis Eva on July 29, 2026 of 967 shares at $1400.00 per share.
- In the last 90 days, FICO insiders reported 0 open-market purchases ($0) and 1 open-market sale ($1.4M) on Form 4, a net sale of $1.4M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $2.0B
- +15.9% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$1.4M
- 13F holders
- 42 funds
- $10.1B · +1 vs prior quarter
- Latest 8-K
- Jul 29, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Sep 30, 2025
Business Overview
- Core business: Global analytics software leader delivering predictive credit scoring and decision management solutions to financial services and other industries
- New emphasis on expanding FICO® Platform, with $263.6M ARR (35% of software ARR) to enable modular, cloud-native analytics and decisioning
- Strategic shift increasing indirect channel sales via value-added resellers and systems integrators to target medium-sized businesses
- Fiscal 2025 revenues from Experian, TransUnion, Equifax agreements grew to 51% of total revenues, up from 45% in 2024 and 41% in 2023
- Consumer-focused innovation in alternative data scoring with UltraFICO® and FICO® Score XD to expand credit access and empower financially underserved populations
Management Discussion & Analysis
- Revenue $2.0B, up 16% YoY; Scores segment $1.17B (+27%), Software $822M (+3%)
- Operating margin 46% vs 43%; Scores operating margin 88% stable; Software margin 30% vs 32%
- Best segment: Scores revenue +$249M, operating income +$213M; Worst segment: Software margin down 2pts, operating income -$9.8M
- Operating cash flow $779M vs $633M; share repurchases $1.4B vs $0.8B; capex (software development) up $13.8M to $43.7M
- Outlook: $134M cash, $1B credit line; expects sufficient liquidity for 12+ months; issued $1.5B senior notes, repaid term loans; potential acquisition or investment opportunities noted; key risks include financing availability and refinancing terms
Risk Factors
- Regulatory risk: FHFA approval affecting FICO Score use by Fannie Mae/Freddie Mac, with July 2025 policy allowing mortgage originators choice of credit scores
- Macroeconomic risk: 92% revenues from banking industry exposed to global economic volatility, inflation, interest rates, and credit market disruptions
- Operational vulnerability: Revenue concentration in three consumer reporting agencies (Experian, TransUnion, Equifax) with risk from relationship loss or changes
- Competitive risk: Joint venture by Experian, TransUnion, Equifax selling competitive credit scoring products undermining FICO market share
- Financial risk: Acquisition integration risks including goodwill impairment, undiscovered cybersecurity issues, and failure to realize anticipated revenue benefits
AI summary of the FICO 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $674.2M, up 26% YoY from $536.4M
- Operating margin 54% vs 49% YoY; net income $237.2M, up 30%
- Best segment Scores revenue $458.9M, up 41%; Software revenue $215.3M, up 2%
- Operating cash flow $777.9M for nine months vs $555.1M; share repurchases $2.3B
- Debt $5.6B vs $3.1B at September 30, 2025 after $1.5B term loan and ASR financing
Risk Factors
- No Risk Factors section provided; supplied text covers issuer repurchases and exhibits only
- Financial risk: $1.5 billion ASR agreement with Wells Fargo, final share count pending fourth-quarter settlement
- Capital-allocation risk: June 2026 program authorized up to $2.0 billion in repurchases
- Credit-agreement change: First amendment to Third Amended and Restated Credit Agreement dated June 5, 2026
AI summary of the FICO 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Fiscal-year 2026 results covered by July 29, 2026 press release in Exhibit 99.1
- Investor focus: financial results and management commentary contained in the referenced press release
Item EX-99.1: Item EX-99.1
- Q3 revenue $674.2M, up 26%; GAAP EPS $10.45 versus $7.40 year over year
- Scores revenue $458.9M, up 41%, driven by 49% B2B growth and higher mortgage origination pricing
Item 1.01: Entry into a Material Definitive Agreement
- $1.5B unsecured incremental term loan borrowed June 5, 2026
- Debt maturity: May 15, 2028, increasing leverage and refinancing requirements
Item 8.01: Other Events
- New $2.0B repurchase authorization replaces prior $1.5B program, signaling substantial capital return commitment
- $1.5B ASR with Wells Fargo Securities funded June 8, 2026
AI summaries of FICO 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FICO
Don't miss the next FICO filing
- Alerts as it files. A push when FICO files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut FICO, by share count.
- Ask anything. An AI agent that reads every FICO filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| KELLY BRADEN R | M | Aug 24, 2026 | 1,285 | - |
| KELLY BRADEN R | M | Aug 24, 2026 | 1,285 | $475.46 |
| KELLY BRADEN R | M | Aug 24, 2026 | 1,386 | $455.13 |
| KELLY BRADEN R | M | Aug 24, 2026 | 1,386 | - |
| Stansbury Henry Tayloe | M | Aug 22, 2026 | 91 | - |
| Stansbury Henry Tayloe | M | Aug 22, 2026 | 91 | - |
| KELLY BRADEN R | M | Aug 21, 2026 | 1,682 | - |
| KELLY BRADEN R | M | Aug 21, 2026 | 1,682 | $391.57 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $1.7B | $2.0B |
| Operating Income | - | $733.6M | $924.9M |
| Net Income | $429.4M | $512.8M | $651.9M |
| Op. Margin | - | 42.7% | 46.5% |
| Net Margin | - | 29.9% | 32.7% |
| Balance Sheet | |||
| Total Assets | $1.6B | $1.7B | $1.9B |
| Equity | - | -$962.7M | -$1.7B |
| ROE | - | -53.3% | -37.3% |
| Per Share | |||
| EPS | $16.93 | $20.45 | $26.54 |
| Cash Flow | |||
| Operating CF | - | $633.0M | $778.8M |
| CapEx | $4.2M | $8.9M | $8.9M |
Source: XBRL data in Fair Isaac (FICO)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FICO share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 42 | $10.12B |
| Q1 2026 | 41 | $9.42B |
| Q4 2025 | 39 | $15.78B |
| Q3 2025 | 39 | $14.88B |
| Q2 2025 | 39 | $20.21B |
| Q1 2025 | 33 | $14.66B |
| Q4 2024 | 32 | $12.40B |
| Q3 2024 | 28 | $5.78B |
- Goldman Sachs Group+84.1K (+67%)
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- JPMorgan Chase & Co−42.0K (-40%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 293 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FICO filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Oct 6, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| SC 13G | Aug 12, 2026 | - | - | |
| SC 13G | Aug 12, 2026 | - | - | |
| 4 | Jul 31, 2026 | - | - | - |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 10-Q | Jul 29, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 7, 2026 | - | - | - |
| 4 | Jul 7, 2026 | - | - | - |
| 8-K | Jun 8, 2026 | - | Analysis | |
| 4 | Jun 8, 2026 | - | - | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 19, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| 10-Q | Apr 28, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 28, 2026 | - | Analysis | - |
| 8-K | Mar 20, 2026 | - | - | - |
| 8-K | Mar 11, 2026 | - | Analysis | - |
| 8-K | Mar 11, 2026 | - | Analysis | - |
| 4 | Mar 6, 2026 | - | - | - |
| 4 | Mar 6, 2026 | - | - | - |
| 4 | Mar 6, 2026 | - | - | - |
| 4 | Mar 6, 2026 | - | - | - |
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FICO SEC filings: frequently asked questions
Are FICO insiders buying or selling?
In the last 90 days, Fair Isaac (FICO) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $1.4 million by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold FICO stock?
As of June 30, 2026, the largest Fair Isaac (FICO) holders among the 13F filers tracked by SignalX were BlackRock ($2.5 billion), Vanguard Capital Management LLC ($1.8 billion), Vanguard Portfolio Management LLC ($1.5 billion), State Street Corp ($1.3 billion), Morgan Stanley ($692.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FICO's revenue in fiscal year 2025?
For the fiscal year ended September 30, 2025 (FY2025), Fair Isaac (FICO) reported revenue of $2.0 billion (up 15.9% from FY2024) and net income of $651.9 million. Diluted EPS was $26.54. The figures come from the XBRL data in the 10-K.
What are the main risks in FICO's latest 10-K?
In the 10-K filed November 7, 2025, Fair Isaac (FICO) flagged: Regulatory risk: FHFA approval affecting FICO Score use by Fannie Mae/Freddie Mac, with July 2025 policy allowing mortgage originators choice of credit scores. Macroeconomic risk: 92% revenues from banking industry exposed to global economic volatility, inflation, interest rates, and credit market disruptions. (AI summary of the Risk Factors section.)
What did FICO report in its latest 8-K?
Fair Isaac (FICO) filed an 8-K on July 29, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Fiscal-year 2026 results covered by July 29, 2026 press release in Exhibit 99.1.
What are the latest FICO SEC filings?
Fair Isaac (FICO) filed its latest 10-K annual report on November 7, 2025, a 10-Q quarterly report on July 29, 2026, an 8-K current report on October 6, 2026 and a Form 4 insider filing on August 25, 2026.
What is FICO's SEC CIK number?
Fair Isaac (FICO)'s SEC Central Index Key (CIK) is 814547. EDGAR lists every FICO filing under that number.
Ask anything about FICO
The research agent reads FICO's filings, financials, insider trades and 13F holders, then answers with sources.