Short answer
Fair Isaac (FICO) filed its Q4 2025 10-Q quarterly report on Jan 28, 2026 for the quarter ended Dec 31, 2025. Quarterly revenue was $512M (up 16.4% year over year) with net income of $158M.
Q4 2025 key financials · XBRL
- Revenue
- $512M
- +16.4% YoY
- Net income
- $158M
- +3.8% YoY
- Operating margin
- 45.7%
- EPS (diluted)
- $6.61
- +7.7% YoY
Source: XBRL data from the Fair Isaac (FICO) Q4 2025 10-Q on SEC EDGAR. USD.
Fair Isaac Q4 2025 10-Q analysis
AI summary of MD&A and risk factor updates
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
- Best segment Scores: $304.5M revenue (+$68.9M), $267.9M operating income (+$64.1M); Worst segment Software: $207.4M revenue (+$3.1M), $58.6M operating income (-$2.1M)
- Operating cash flow $174.1M, down $19.9M YoY; Cash and equivalents $162.0M, up from $134.1M last quarter; Share repurchases $162.7M vs $159.7M YoY
- Management expects sufficient liquidity for 12+ months including $400M debt maturity; new $1.5B senior notes issued in May 2025; focus on SaaS growth despite margin pressure in Software segment
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
- Operational risk remains from competitive pressure in AI-driven analytics market
- Market risk from customer concentration in financial services sector unchanged
- Financial risk from currency exposure in EMEA region persists without material change
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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