FAIR ISAAC CORP
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FICO Q4 2025 request
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Income Statement
| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Revenue | 515,751 | 453,809 | +13.6% |
Show Product Lines breakouts |
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| Business-to-business Scores · Scores | 255,231 | 197,139 | +29.5% |
| Business-to-consumer Scores · Scores | 56,321 | 52,064 | +8.2% |
| Non-platform software · Software | 117,102 | 125,981 | -7.0% |
| On-premises and SaaS software | 182,393 | 181,707 | +0.4% |
| On-premises and SaaS software · Software | 182,393 | 181,707 | +0.4% |
| On-premises and SaaS software · Software | 182,393 | 181,707 | +0.4% |
| On-premises and SaaS software · Software | 17,336 | 17,687 | -2.0% |
| On-premises and SaaS software · Software | 165,057 | 164,020 | +0.6% |
| On-premises software · Software | 73,617 | 77,688 | -5.2% |
| Platform software · Software | 65,291 | 55,726 | +17.2% |
| SaaS software · Software | 108,776 | 104,019 | +4.6% |
| Scores | 311,552 | 249,203 | +25.0% |
| Scores · Scores | 311,552 | 249,203 | +25.0% |
| Technology Service | 21,806 | 22,899 | -4.8% |
| Technology Service · Software | 21,806 | 22,899 | -4.8% |
Show Business Segments breakouts |
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| Scores | 311,552 | 249,203 | +25.0% |
| Scores · Americas | 308,368 | 247,276 | +24.7% |
| Scores · Asia Pacific | 1,297 | 374 | +246.8% |
| Scores · EMEA | 1,887 | 1,553 | +21.5% |
| Scores · Operating Segments | 311,552 | 249,203 | +25.0% |
| Software | 204,199 | 204,606 | -0.2% |
| Software · Americas | 144,983 | 138,763 | +4.5% |
| Software · Asia Pacific | 22,456 | 22,856 | -1.8% |
| Software · EMEA | 36,760 | 42,987 | -14.5% |
| Software · Operating Segments | 204,199 | 204,606 | -0.2% |
Show Geography breakouts |
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| Americas | 453,351 | 386,039 | +17.4% |
| Asia Pacific | 23,753 | 23,230 | +2.3% |
| EMEA | 38,647 | 44,540 | -13.2% |
| Cost of Revenue | 91,176 | 89,574 | +1.8% |
| Research & Development | 50,953 | 44,208 | +15.3% |
| Selling, General & Administrative | 125,544 | 122,757 | +2.3% |
| Total Costs & Expenses | 278,595 | 256,631 | +8.6% |
Show Business Segments breakouts |
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| Scores · Operating Segments | 38,761 | 29,700 | +30.5% |
| Software · Operating Segments | 148,513 | 136,701 | +8.6% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 48,020 | 50,156 | -4.3% |
| Operating Segments | 53,796 | 29,659 | +81.4% |
| Operating Income | 237,156 | 197,178 | +20.3% |
Show Business Segments breakouts |
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| Scores · Operating Segments | 272,791 | 219,503 | +24.3% |
| Software · Operating Segments | 55,686 | 67,905 | -18.0% |
Show Consolidation Items breakouts |
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| Operating Segments | 461,955 | 424,150 | +8.9% |
| Interest Expense | -39,882 | -28,515 | -39.9% |
| Other Non-Operating Income (Expense) | 5,185 | 2,720 | +90.6% |
| Income Before Taxes | 202,459 | 171,383 | +18.1% |
| Income Tax Expense (Benefit) | 47,445 | 35,692 | +32.9% |
| Net Income | 155,014 | 135,691 | +14.2% |
Show Equity Components breakouts |
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| Retained Earnings | 155,014 | 135,691 | +14.2% |
| Other Comprehensive Income Loss Foreign Currency Transaction And Translation Adjustment Net Of Tax | -3,777 | 10,068 | -137.5% |
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| Accumulated Other Comprehensive Income | -3,777 | 10,068 | -137.5% |
| Comprehensive Income | 151,237 | 145,759 | +3.8% |
| EPS (Basic) | 6.49 | 5.54 | +17.1% |
| EPS (Diluted) | 6.42 | 5.44 | +18.0% |
| Wtd Avg Shares (Basic) | -111 | -67 | -65.7% |
| Wtd Avg Shares (Diluted) | -135 | -50 | -170.0% |
Balance Sheet
| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 134,136 | 150,667 | -11.0% |
Show Cash And Cash Equivalents breakouts |
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| Cash | 134,130 | 142,768 | -6.1% |
| Money Market Funds | 6 | 731 | -99.2% |
| Accounts Receivable | 529,148 | 426,642 | +24.0% |
| Prepaid Expenses & Other Current Assets | 41,881 | 40,104 | +4.4% |
| Total Current Assets | 705,165 | 617,413 | +14.2% |
| Non-Current Assets | |||
| Marketable Securities (Non-Current) | 54,625 | 45,289 | +20.6% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · Fair Value Measurements Recurring | 54,625 | 45,289 | +20.6% |
Show Fair Value By Measurement Frequency breakouts |
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| Fair Value Measurements Recurring | 54,625 | 45,289 | +20.6% |
| Operating Lease Right-of-Use Assets | 26,213 | 29,580 | -11.4% |
| Goodwill | 783,340 | 782,752 | +0.1% |
Show Business Segments breakouts |
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| Scores | 146,648 | 146,648 | 0.0% |
| Software | 636,692 | 636,104 | +0.1% |
| Deferred Tax Assets | 118,553 | 86,513 | +37.0% |
| Other Non-Current Assets | 112,524 | 117,872 | -4.5% |
| Total Assets | 1,868,133 | 1,717,884 | +8.7% |
| Property, Plant & Equipment | 67,713 | 38,465 | +76.0% |
| Other Assets | |||
| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization | 67,713 | 38,465 | +76.0% |
| Current Liabilities | |||
| Accounts Payable | 32,315 | 22,473 | +43.8% |
| Employee Related Liabilities Current | 115,369 | 106,103 | +8.7% |
| Accrued Liabilities | 114,618 | 79,812 | +43.6% |
| Deferred Revenue | 187,372 | 156,897 | +19.4% |
| Current Portion of Long-Term Debt | 399,541 | 15,000 | +2563.6% |
| Total Current Liabilities | 849,215 | 380,285 | +123.3% |
| Deferred Revenue (Current) | 187.4 | 156.9 | +19.4% |
| Non-Current Liabilities | |||
| Long-Term Debt | 2,656,150 | 2,194,021 | +21.1% |
| Operating Lease Liabilities | 19,187 | 21,963 | -12.6% |
| Other Non-Current Liabilities | 89,365 | 84,294 | +6.0% |
| Total Liabilities | 3,613,917 | 2,680,563 | +34.8% |
| Long-Term Debt | 3,055,691 | 2,209,021 | +38.3% |
Show Long-Term Debt Type breakouts |
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| Senior Notes | 2,800,000 | — | — |
| Contract With Customer Liability Noncurrent | 1.8 | 3.3 | -45.5% |
| Stockholders' Equity | |||
| Common Stock Value Outstanding | 238 | 244 | -2.5% |
| Additional Paid In Capital Common Stock | 1,331,120 | 1,366,572 | -2.6% |
| Treasury Stock Value | -7,537,908 | -6,138,736 | -22.8% |
| Retained Earnings | 4,552,816 | 3,900,870 | +16.7% |
| Accumulated Other Comprehensive Income | -92,050 | -91,629 | -0.5% |
| Total Stockholders' Equity | -1,745,784 | -962,679 | -81.3% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | -92,050 | -91,629 | -0.5% |
| Additional Paid In Capital | 1,331,120 | 1,366,572 | -2.6% |
| Common Stock | 238 | 244 | -2.5% |
| Retained Earnings | 4,552,816 | 3,900,870 | +16.7% |
| Treasury Stock Common | -7,537,908 | -6,138,736 | -22.8% |
| Total Liabilities & Equity | 1,868,133 | 1,717,884 | +8.7% |
Cash Flow Statement
| Metric | YTD Q4 2025 | YTD Q4 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation & Amortization | 4,021 | 3,815 | +5.4% |
| Stock-Based Compensation | 32,379 | 39,982 | -19.0% |
| Deferred Income Taxes | -13,059 | -8,317 | -57.0% |
| Marketable Securities Gain Loss Excluding Other Than Temporary Impairments | -3,395 | -2,074 | -63.7% |
| Operating Lease Right Of Use Asset Amortization Expense | 2,178 | 2,737 | -20.4% |
| Provision For Doubtful Accounts | 0 | 419 | -100.0% |
| Gain Loss On Sale Of Property Plant Equipment | 117 | 10 | +1070.0% |
| Change in Accounts Receivable | -67,593 | 13,539 | -599.2% |
| Change in Prepaid & Other Assets | 25,704 | 220 | +11583.6% |
| Change in Accounts Payable | 5,573 | -116 | +4904.3% |
| Increase Decrease In Employee Related Liabilities | 19,721 | 12,894 | +52.9% |
| Increase Decrease In Other Operating Liabilities | 48,146 | 25,758 | +86.9% |
| Increase Decrease In Deferred Revenue | 14,863 | 1,920 | +674.1% |
| Net Cash from Operations | 223,669 | 226,478 | -1.2% |
| Investing Activities | |||
| Capital Expenditures | -4,171 | -1,754 | -137.8% |
| Payments To Develop Software | -8,654 | -5,369 | -61.2% |
| Proceeds From Sale And Maturity Of Marketable Securities | 328 | 75 | +337.3% |
| Payments To Acquire Marketable Securities | -832 | -511 | -62.8% |
| Net Cash from Investing | -13,329 | -7,559 | -76.3% |
| Noncash Unsettled Repurchase Of Common Stock | -6,519 | 2,943 | -321.5% |
| Financing Activities | |||
| Proceeds From Lines Of Credit | 275,000 | 152,000 | +80.9% |
| Repayments Of Lines Of Credit | 0 | -63,750 | +100.0% |
| Debt Issuance Costs | 0 | 0 | — |
| Proceeds From Payments For Other Financing Activities | -65 | -22 | -195.5% |
| Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans Including Stock Options | 10,915 | 9,326 | +17.0% |
| Tax Withholding for Share Compensation | -1,405 | -1,965 | +28.5% |
| Share Repurchases | -547,982 | -323,531 | -69.4% |
| Net Cash from Financing | -263,537 | -227,942 | -15.6% |
| Supplemental | |||
| Income Taxes Paid | 33,011 | 36,435 | -9.4% |
| Interest Paid | 2,452 | 14,680 | -83.3% |
| Unpaid Capital Expenditures | -2,553 | -70 | -3547.1% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | -1,716 | 3,647 | -147.1% |
| Net Change in Cash | -54,913 | -5,376 | -921.4% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 134,136 | 150,667 | -11.0% |
Values in thousands USD. Source: SEC EDGAR 10-K filing.