FICO Fair Isaac

company

SEC Filings & Insider Trading Activity 2026

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

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

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%

Risk Factors

• • No new or changed risk factors this quarter from fiscal 2025 10-K
• • Continued legal risk from data privacy regulations impacting global operations

Management Discussion & Analysis

• • Revenue $512.0M, up 16% YoY from $440.0M; Scores $304.5M, up 29% YoY from $235.7M; Software $207.4M, up 2% YoY from $204.3M
• • Operating margin 45.7% ($234.0M/$512.0M) vs 40.8% ($179.5M/$440.0M) YoY; Scores operating margin 88% vs 86% YoY; Software operating margin 28% vs 30% YoY

What are the latest FICO SEC filings in 2026?

Fair Isaac (FICO) has filed a 10-K annual report on November 7, 2025, a 10-Q quarterly report on January 28, 2026, an 8-K current report on April 28, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did FICO file its most recent 10-K annual report?

Fair Isaac (FICO) filed its most recent 10-K annual report on November 7, 2025. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view FICO 10-Q quarterly reports?

Fair Isaac (FICO)'s most recent 10-Q quarterly report was filed on January 28, 2026. SignalX displays every FICO 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has FICO filed recently?

Fair Isaac (FICO)'s most recent 8-K was filed on April 28, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find FICO insider trading activity (Form 4)?

SignalX aggregates every FICO Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does FICO file with the SEC?

Fair Isaac (FICO) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new FICO filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs — such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Fair Isaac (FICO).

What is FICO's SEC CIK number?

Fair Isaac (FICO)'s SEC CIK (Central Index Key) number is 814547. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 814547 to look up all FICO filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find FICO return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Fair Isaac (FICO) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.