Fair Isaac (FICO) Q4 2025 10-Q Quarterly Report

Filed: Jan 28, 2026Period ending Dec 31, 2025

Information Technology

Services-Business Services, NECSEC EDGAR

Fair Isaac (FICO) 10-Q quarterly report for Q4 2025, filed with SEC EDGAR on Jan 28, 2026 for the fiscal period ending Dec 31, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.

Fair Isaac Q4 2025 10-Q Analysis

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

Fair Isaac Q4 2025 Quarterly Financials
XBRL

Revenue

$512M

▲ +16.4% YoY

Net Income

$158M

▲ +3.8% YoY

Operating Margin

45.7%

▲ +491bp YoY

Net Margin

30.9%

▼ -373bp YoY

ROE

-8.8%

▲ +464bp YoY

Total Assets

$1.9B

▲ +8.6% YoY

EPS (Diluted)

$6.61

▲ +7.7% YoY

Operating Cash Flow

$174M

▼ -10.3% YoY

Source: XBRL data from Fair Isaac Q4 2025 10-Q filing on SEC EDGAR. All figures in USD.

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