Fair IsaacFICOEarnings & Financial Report
FICO, originally Fair, Isaac and Company, is an American data analytics company based in Bozeman, Montana, focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956. Its FICO score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States.
FICO Q1 FY2026 Key Financial Metrics
Revenue
$512.0M
Gross Profit
$424.7M
Operating Profit
$234.0M
Net Profit
$158.4M
Gross Margin
83.0%
Operating Margin
45.7%
Net Margin
30.9%
YoY Growth
16.4%
EPS
$6.61
Fair Isaac Q1 FY2026 Financial Summary
Fair Isaac reported revenue of $512.0M (up 16.4% YoY) for Q1 FY2026, with a net profit of $158.4M (up 3.8% YoY) (30.9% margin). Cost of goods sold was $87.3M, operating expenses totaled $190.6M.
Key Financial Metrics
| Total Revenue | $512.0M |
|---|---|
| Net Profit | $158.4M |
| Gross Margin | 83.0% |
| Operating Margin | 45.7% |
| Report Period | Q1 FY2026 |
Revenue Breakdown
Fair Isaac Q1 FY2026 revenue of $512.0M breaks down across 5 segments, led by Business To Business Scores at $248.6M (48.6% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Business To Business Scores | $248.6M | 48.6% |
| Saa S Products | $115.7M | 22.6% |
| Platform Software | $73.9M | 14.4% |
| Business To Consumer Scores | $55.9M | 10.9% |
| Technology Service | $19.2M | 3.8% |
Fair Isaac Revenue by Segment — Quarterly Trend
Fair Isaac revenue by segment across the last 4 reported quarters, showing how each business line (such as Business To Business Scores and Saa S Products) has evolved quarter over quarter.
| Segment | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 |
|---|---|---|---|---|
| Business To Business Scores | $248.6M | — | — | — |
| Saa S Products | $115.7M | $108.8M | $106.2M | $101.5M |
| Platform Software | $73.9M | $65.3M | $61.5M | $56.5M |
| Business To Consumer Scores | $55.9M | $56.3M | $55.8M | $54.5M |
| Technology Service | $19.2M | $21.8M | $24.2M | $17.9M |
Fair Isaac Annual Revenue by Year
Fair Isaac annual revenue history includes year-by-year totals (for example, 2025 revenue was $2.0B).
Fair Isaac Quarterly Revenue & Net Profit History
Fair Isaac results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $512.0M | +16.4% | $158.4M | 30.9% |
| Q4 FY2025 | $515.8M | +13.6% | $155.0M | 30.1% |
| Q3 FY2025 | $536.4M | +19.8% | $181.8M | 33.9% |
| Q2 FY2025 | $498.7M | +15.0% | $162.6M | 32.6% |
| Q1 FY2025 | $440.0M | +15.2% | $152.5M | 34.7% |
| Q4 FY2024 | $453.8M | +16.4% | $135.7M | 29.9% |
| Q3 FY2024 | $447.8M | +12.3% | $126.3M | 28.2% |
| Q2 FY2024 | $433.8M | +14.1% | $129.8M | 29.9% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $433.8M | $447.8M | $453.8M | $440.0M | $498.7M | $536.4M | $515.8M | $512.0M |
| YoY Growth | 14.1% | 12.3% | 16.4% | 15.2% | 15.0% | 19.8% | 13.6% | 16.4% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.70B | $1.71B | $1.72B | $1.71B | $1.84B | $1.86B | $1.87B | $1.85B |
| Liabilities | $2.44B | $2.54B | $2.68B | $2.84B | $2.96B | $3.26B | $3.61B | $3.66B |
| Equity | $-735.7M | $-829.3M | $-962.7M | $-1.14B | $-1.12B | $-1.40B | $-1.75B | $-1.81B |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $71.0M | $213.3M | $226.5M | $194.0M | $74.9M | $286.2M | $223.7M | $174.1M |