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FICO Fair Isaac

FY2025 10-K
Filed: Nov 7, 2025
Information Technology
Services-Business Services, NECSEC EDGAR
Fair Isaac Overview

Fair Isaac (FICO) filed its fiscal year 2025 10-K annual report with the SEC on Nov 7, 2025. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.

AI Filing Analysis
FY2025 10-K

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
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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%
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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
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Financial Summary
XBRL

Revenue

$2.0B

Net Income

$652M

Operating Margin

46.5%

Net Margin

32.7%

ROE

-37.3%

Total Assets

$1.9B

EPS (Diluted)

$26.54

Operating Cash Flow

$779M

Source: XBRL data from Fair Isaac FY2025 10-K filing on SEC EDGAR. All figures in USD.

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