FAIR ISAAC CORP

Listed Company

FICOCIK 0000814547NYSELarge AcceleratedServices-Business Services, NecDelawareFY ends Sep 30

Period

FY 2025

Revenue

$1.99B

Net Income

$651.95M

Total Assets

$1.87B

Equity

$-1.75B

Shares Out

23.19M

Op. Cash Flow

$778.81M

Business

FAIR ISAAC CORP is a global analytics software leader that operationalizes data-driven decisioning and scoring for businesses across industries. It offers the FICO® Score and other B2B and B2C scoring solutions, pre-configured analytic and decision management software, the modular FICO® Platform, and associated professional services. The company reports two operating segments: Scores, which provides predictive credit and alternative scoring solutions, and Software, which delivers analytic, decisioning and pre-configured solutions. Its products are distributed through consumer reporting agencies, direct-to-consumer channels, a direct global salesforce, and SaaS or on-premises deployments in more than 80 countries.

Summary from filing dated 2025-11-07

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Total revenues	1,991	1,718	1,514	1,377	1,317
Cost of revenues	354	348	311	302	332
Research and development	188	172	160	147	171
Selling, general and administrative	513	463	401	384	396
Amortization of intangible assets	0	917,000	1	2	3
Restructuring charges	11	0	0	—	—
Gain on product line asset sale	0	0	−2	0	−100
Total operating expenses	1,066	984	871	835	811
Operating income	925	734	643	542	505
Interest expense, net	−134	−106	−96	—	—
Other income, net	11	14	6	−2	8
Income before income taxes	803	642	554	471	473
Provision for income taxes	151	129	124	98	81
Net income	652	513	429	374	392
Foreign currency translation adjustments	−421,000	11	23	−49	7
Comprehensive income	652	523	452	325	399
Basic (in dollars per share)	26.9	20.78	17.18	14.34	13.65
Diluted (in dollars per share)	26.54	20.45	16.93	14.18	13.4
Basic (in shares)	24	25	25	26	29
Diluted (in shares)	25	25	25	26	29

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Cash and cash equivalents	134	151	137	133	195
Accounts receivable, net	529	427	388	322	312
Prepaid expenses and other current assets	42	40	32	29	44
Total current assets	705	617	556	485	551
Marketable securities	55	45	33	25	32
Property and equipment, net	68	38	—	—	—
Operating lease right-of-use assets	26	30	26	37	47
Goodwill	783	783	773	761	788
Deferred income taxes	119	87	59	12	21
Other assets	113	118	116	103	96
Total assets	1,868	1,718	1,575	1,442	1,568
Accounts payable	32	22	19	17	21
Accrued compensation and employee benefits	115	106	102	98	104
Other accrued liabilities	115	80	59	66	80
Deferred revenue	187	157	137	120	105
Current maturities on debt	400	15	—	—	—
Total current liabilities	849	380	368	331	559
Long-term debt	2,656	2,194	1,812	1,824	1,009
Operating lease liabilities	19	22	24	39	54
Other liabilities	89	84	60	50	57
Total liabilities	3,614	2,681	2,263	2,244	1,679
Commitments and contingencies	—	—	—	—	—
Preferred stock ($0.01 par value; 1,000 shares authorized; none issued and outstanding)	0	0	0	0	0
Common stock ($0.01 par value; 200,000 shares authorized, 88,857 shares issued and 23,764 and 24,392 shares outstanding at September 30, 2025 and September 30, 2024, respectively)	238,000	244,000	248,000	252,000	276,000
Additional paid-in-capital	1,331	1,367	1,351	1,300	1,237
Treasury stock, at cost (65,093 and 64,465 shares at September 30, 2025 and September 30, 2024, respectively)	−7,538	−6,139	−5,325	−4,936	−3,858
Retained earnings	4,553	3,901	3,388	2,959	2,585
Accumulated other comprehensive loss	−92	−92	−102	−125	−76
Total stockholders deficit	−1,746	−963	−688	−802	−111
Total liabilities and stockholders deficit	1,868	1,718	1,575	1,442	1,568

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Depreciation and amortization	15	14	15	20	26
Share-based compensation	157	149	124	115	112
Deferred income taxes	−32	−27	−47	8	−6
Net gain on marketable securities	−5	−10	−3	9	−5
Non-cash operating lease costs	10	12	15	16	16
Provision of doubtful accounts	1	2	1	3	652,000
Net loss on sales and abandonment of property and equipment	210,000	438,000	547,000	193,000	333,000
Accounts receivable	−100	−34	−70	−32	24
Prepaid expenses and other assets	610,000	−14	−12	7	−6
Accounts payable	10	3	2	−3	−2
Accrued compensation and employee benefits	10	3	5	−4	−13
Other liabilities	32	7	−7	−29	−21
Deferred revenue	30	14	19	24	4
Net cash provided by operating activities	779	633	469	509	424
Purchases of property and equipment	−9	−9	−4	−6	−8
Capitalized internal-use software costs	−30	−17	0	0	—
Proceeds from sales of marketable securities	2	16	5	8	7
Purchases of marketable securities	−6	−18	−11	−10	−9
Cash transferred, net of proceeds, from product line asset sale	0	0	−6	2	—
Net cash used in investing activities	−44	−28	−16	−6	138
Proceeds from revolving line of credit and term loans	725	947	407	1,039	682
Payments on revolving line of credit and term loans	−1,369	−602	−402	−988	−259
Proceeds from issuance of senior notes	1,500	0	0	550	0
Payments on debt issuance costs	−17	−706,000	0	−9	−1
Payments on finance leases	−3	−1	0	—	—
Proceeds from issuance of treasury stock under employee stock plans	33	25	22	16	21
Taxes paid related to net share settlement of equity awards	−205	−139	−77	−51	−92
Repurchases of common stock	−1,415	−822	−406	−1,104	−874
Net cash used in financing activities	−750	−593	−455	−547	−524
Effect of exchange rate changes on cash	−1	2	6	−19	−136,000
Increase (decrease) in cash and cash equivalents	−17	14	4	−62	38
Cash paid for income taxes, net of refunds of $8,649, $859 and $640 during the years ended September 30, 2025, 2024 and 2023, respectively	162	134	153	65	71
Cash paid for interest	104	106	97	57	38
Unsettled repurchases of common stock	18	13	2	—	—
Purchase of property and equipment included in accounts payable	47,000	62,000	106,000	22,000	71,000
Finance lease obligation incurred	0	12	0	0	0

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