Tuesday 27 October 2026 Export FICO’s income statement to Excel — free account

Fair Isaac Corporation

Fair Isaac Corporation’s revenue for fiscal 2025 (year ended September 2025) was $2.0 billion, up 15.9% from fiscal 2024. In the quarter to June 2026, revenue grew 25.7%, EPS grew 39.7%, free cash flow grew 34.1% and total debt rose 100.8%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years, revenue growth for ten, operating cash flow growth for three.

703.61 111.70 −13.70%

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Market cap: $15.3B
P/E: 20.2×
Fwd P/E: 22.0×
Dividend yield: —
F-score: 7/9
Altman Z: 12.04
Beneish M: −2.65
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Segments Filings

Fair Isaac Corporation (FICO) revenue by segment, product and region

Where the money comes from and where it goes

Fiscal 2025: revenue by segment, and margins
Scores	1,169	58.70%
Software	822	41.30%
Gross margin		82.23%
Operating margin		46.45%
Pre-tax margin		40.31%

Revenue by product or service $m

Line	FY2025	FY2024	FY2023	FY2018	FY2017	FY2016
On-premises and SaaS software	740 37.18%	711 41.42%	640 42.30%	—	—	—
Professional services	82 4.13%	87 5.04%	100 6.58%	177 17.69%	178 19.03%	170 19.26%
Transactional and Maintenance	—	—	—	751 75.05%	634 67.80%	606 68.75%
License	—	—	—	73 7.26%	123 13.17%	106 11.99%
Also reported: a second breakdown of the same revenue
Scores	1,169 58.70%	920 53.55%	774 51.13%	336 33.58%	260 27.76%	—
On-Premises Products	—	—	—	423 42.33%	473 50.58%	—
SaaS Products	—	—	—	241 24.09%	203 21.66%	—
Revenue	1,991	1,718	1,514	1,000	935	881

Revenue by segment $m

Line	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010	FY2009
Scores	1,169 58.70%	920 53.55%	774 51.13%	707 51.31%	654 49.69%	529 40.83%	421 36.31%	336 33.58%	260 27.76%	241 27.35%	207 24.68%	186 23.63%	181 24.32%	176 25.96%	169 27.20%	172 28.46%	180 28.47%
Software	822 41.30%	798 46.45%	740 48.87%	671 48.69%	662 50.31%	766 59.17%	739 63.69%	—	—	—	—	—	—	—	—	—	—
Applications	—	—	—	—	—	—	—	564 56.43%	561 59.96%	533 60.43%	526 62.74%	504 63.91%	476 64.04%	425 62.77%	383 61.81%	367 60.64%	383 60.74%
Decision Management Software	—	—	—	—	—	—	—	100 9.99%	115 12.28%	108 12.21%	106 12.58%	98 12.45%	87 11.64%	76 11.26%	68 10.99%	66 10.91%	68 10.79%
Liquid Credit for Telecom	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	9 1.44%
RoamEx	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	7 1.05%
Eliminations	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	(16) (2.49%)
Revenue	1,991	1,718	1,514	1,377	1,317	1,295	1,160	1,000	935	881	839	789	743	676	620	606	631

Operating income by segment $m, and margin

	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010	FY2009
Scores	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Software	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Applications	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Decision Management Software	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Corporate	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Corporate and other	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Operating income	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡

Revenue by region $m

Line	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010
Americas	1,732 87.02%	1,450 84.42%	1,287 85.03%	1,131 82.10%	1,050 79.75%	992 76.65%	872 75.21%	—	—	—	—	—	—	—	—	—
Europe, Middle East and Africa	160 8.03%	170 9.87%	141 9.34%	147 10.69%	190 14.46%	204 15.73%	195 16.83%	170 16.96%	174 18.59%	—	—	—	—	—	—	—
Asia Pacific	99 4.96%	98 5.71%	85 5.63%	99 7.21%	76 5.79%	99 7.63%	92 7.97%	84 8.40%	78 8.30%	—	—	—	—	—	—	—
North America	—	—	—	—	—	—	—	701 70.09%	640 68.48%	—	—	—	—	—	—	—
Latin America	—	—	—	—	—	—	—	46 4.55%	43 4.64%	—	—	—	—	—	—	—
United States	—	—	—	—	—	—	—	—	—	567 64.38%	505 60.22%	457 57.96%	449 60.45%	410 60.64%	390 62.88%	396 65.39%
Other Country	—	—	—	—	—	—	—	—	—	227 25.80%	240 28.59%	233 29.52%	215 28.89%	199 29.46%	171 27.61%	—
United Kingdom	—	—	—	—	—	—	—	—	—	86 9.81%	94 11.19%	99 12.52%	79 10.66%	67 9.90%	59 9.51%	—
International	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	210 34.61%
Revenue	1,991	1,718	1,514	1,377	1,317	1,295	1,160	1,000	935	881	839	789	743	676	620	606

Operating figures as reported in each quarter’s results release or filing

Figure	Quarter	Latest	A year before	Change
Non-platform software Dollar-Based Net Retention Rate	Q3 FY2026	82.0%	97.0%	—
Platform ARR growth	Q3 FY2026	62.0%	18.0%	—
Platform software Dollar-Based Net Retention Rate	Q3 FY2026	148.0%	115.0%	—
Remaining performance obligations	Q3 FY2026	$680.4M	$593.3M	+14.68%
Software Annual Recurring Revenue growth	Q3 FY2026	10.0%	4.00%	—
Software Dollar-Based Net Retention Rate	Q3 FY2026	109.0%	103.0%	—

	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025	Q4 FY2024	Q3 FY2024	Q2 FY2024	Q1 FY2024	Q4 FY2023	Q3 FY2023	Q2 FY2023	Q1 FY2023	Q4 FY2022	Q3 FY2022	Q2 FY2022	Q1 FY2022	Q4 FY2021	Q3 FY2021	Q2 FY2021	Q1 FY2021	Q4 FY2020	Q3 FY2020	Q2 FY2020	Q1 FY2020	Q4 FY2019
Non-platform software Dollar-Based Net Retention Rate	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Platform ARR growth	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Platform software Dollar-Based Net Retention Rate	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Remaining performance obligations	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Software Annual Recurring Revenue growth	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Software Dollar-Based Net Retention Rate	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
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As each company reports them in its 10-K and 10-Q filings, in US dollars. Where a later filing recast a year's segments, the year is shown as recast; a period whose breakdown does not add up to the company's revenue is left out.