FAIR ISAAC CORP

FICO 10-K · Q4 2025

FICO Q4 2025 request

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Income Statement

Income Statement
Metric Q4 2025 Q4 2024 YoY
Revenue 515,751 453,809 +13.6%
Show Product Lines breakouts
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
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
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
Scores · Operating Segments 38,761 29,700 +30.5%
Software · Operating Segments 148,513 136,701 +8.6%
Show Consolidation Items breakouts
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
Scores · Operating Segments 272,791 219,503 +24.3%
Software · Operating Segments 55,686 67,905 -18.0%
Show Consolidation Items breakouts
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
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%
Show Equity Components breakouts
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

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
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
Fair Value Inputs Level1 · Fair Value Measurements Recurring 54,625 45,289 +20.6%
Show Fair Value By Measurement Frequency breakouts
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
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
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
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

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.

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