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Fair Isaac Corporation (FICO) investor relations material

Fair Isaac Corporation Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary30 Jul, 2025

Executive summary

  • Q3 revenue reached $536.4M, up 20% year-over-year, with GAAP net income of $181.8M, up 44%, and GAAP EPS of $7.40, up 47% from the prior year.

  • Non-GAAP net income was $211M, up 35%, and non-GAAP EPS was $8.57, up 37% year-over-year.

  • Free cash flow for Q3 was $276.2M, a 34% increase from the prior year.

  • Adjusted EBITDA rose to $312.3M, a 32% year-over-year increase.

  • Raised full-year guidance: revenue at $1.98B, GAAP net income at $630M, and non-GAAP net income at $718M.

Financial highlights

  • Scores segment revenue was $324.3M, up 34% year-over-year, with B2B up 42% and B2C up 6%.

  • Software segment revenue was $212.1M, up 3% year-over-year, driven by platform SaaS growth.

  • Software ARR reached $739.1M, up 4% year-over-year; platform ARR up 18% to $254M, now 34% of total ARR.

  • Non-GAAP operating margin expanded to 57%, up 5 percentage points year-over-year.

  • Free cash flow for the trailing twelve months was $748M, up 36% from the prior period.

Outlook and guidance

  • FY2025 revenue guidance updated to $1.98B; GAAP net income expected at $630M; non-GAAP net income at $718M.

  • Full-year GAAP EPS guidance is $25.60; non-GAAP EPS guidance is $29.15.

  • Q4 revenue guidance set at $505M, reflecting expected seasonality and lower point-in-time revenues.

  • Anticipates increased interest and marketing expenses, plus one-time items exceeding $10M in Q4.

  • Management expects cash and available borrowings, along with operating cash flows, to be sufficient for capital requirements for at least the next 12 months.

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Frequently asked questions

The go-to credit rating system

Fico is the most recognizable name in credit scores and the most widely used credit scoring system in the US. When using a credit scoring algorithm, 90 percent of top US lenders in 90 percent of lending decisions use Fico’s systems. And 98.8 percent of dollars securitized in the US solely cite Fico scores as risk measurement, 300 million consumer accounts have access to Fico scores, and one billion consumers could get credit through the scores. Fico is the industry standard for consumer credit lending decisions, and there are high barriers to entry for new companies that seek to replicate similar services. Some of the company’s competitors include Fiserv, Western Union, and Experian.

The first low-cost producer of high accuracy scores

Fico’s sticky offering could be compared with getting Americans to start using the metric system or quoting temperature in Celsius. Fico is the low-cost producer of high accuracy scores; for example, it took Synchrony Financial three years to move away from using Fico. The company's fast-growing software business also has substantial switching costs. It becomes increasingly embedded in customer workflows, a software with over 90 percent retention rate and, thus, substantial amounts of recurring revenue.

Checks many of the wide moat criteria

The Fico score was introduced in 1989, and through the information found in the individual consumer's credit reports, the algorithm calculates credit scores for them. Lenders use these scores to evaluate the creditworthiness of their customers and thus determine whether to approve applications for loans, credit cards, and other borrowings.

As the creator and owner of the FICO credit-rating score with a world-class credit database, Fico checks many of the criteria when looking for a wide moat business:

  • High free cash flow

  • High return on capital employed

  • High return on equity

  • High operating margins

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