Fair Isaac Corporation (NYSE: FICO) reported a strong financial performance for the fiscal year ending September 30, 2025, with total revenues reaching $2.0 billion, marking a 16% increase from the previous year. The Scores segment, which includes the widely recognized FICO® Score, generated $1.2 billion in revenue, a 27% increase compared to fiscal 2024. Operating income also saw significant growth, rising to $924.9 million, a 26% increase year-over-year, while net income reached $651.9 million, up 27% from the prior year. Diluted earnings per share increased by 30% to $26.54.
The company experienced notable changes in its revenue streams, particularly in its Scores segment, which benefited from a higher volume of mortgage originations and a multi-year license renewal for its insurance score product. The Software segment's revenue increased by 3% to $822.3 million, driven primarily by growth in on-premises and SaaS software offerings. Annual Recurring Revenue (ARR) for the Software segment was reported at $747.3 million, reflecting a 4% increase from the previous year.
Strategically, Fair Isaac launched several new products, including the FICO® Score 10 and 10 T, which incorporate Buy Now, Pay Later (BNPL) data, and expanded its international footprint with the introduction of FICO Scores in Kenya. The company also enhanced its FICO® Platform, which supports advanced analytics and decision-making, and introduced the FICO® Marketplace to facilitate access to AI models and optimization tools. Additionally, Fair Isaac continued its stock repurchase program, buying back $1.4 billion worth of shares during the fiscal year.
Operationally, Fair Isaac employed 3,811 individuals across 28 countries as of September 30, 2025, a 6% increase from the previous year. The company reported a Dollar-Based Net Retention Rate of 102% for its Software segment, indicating strong customer retention and expansion. The Americas remained the largest geographic market, accounting for 87% of total revenue, while the company also saw growth in its international markets.
Looking ahead, Fair Isaac expressed confidence in its ability to sustain growth, supported by its innovative product offerings and strategic initiatives. The company anticipates continued demand for its scoring solutions and software products, particularly as it expands into new markets and enhances its existing offerings. However, it acknowledged potential risks related to economic conditions and competition, which could impact future performance.
About FAIR ISAAC CORP
Fair Isaac Corporation (FICO) is a global analytics company specializing in credit scoring, decision management, and predictive analytics. Its core products include the FICO Score, widely used in U.S. credit decisions, and software solutions for fraud detection, customer engagement, and risk management. Serving financial institutions, insurers, retailers, and government agencies worldwide, FICO enables data-driven decisions to improve business outcomes and financial literacy.
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