)
Visual24 Oct 2025
The rise of Alphabet
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.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.
Explain the drivers of B2B scores revenue growth.
Detail the platform vs. non-platform ARR trends.
What is driving the increase in share-based compensation?
Assess FICO 10 T adoption retooling needs.
Detail drivers for auto B2B origination revenue.
How will AWS partnership impact distribution?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Fair Isaac Corporation earnings date
Q4 20255 Nov, 2025
Next Fair Isaac Corporation earnings date
Q4 20255 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage