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.
Revenue
$447.8M
Gross Profit
$359.6M
Operating Profit
$190.3M
Net Profit
$126.3M
Gross Margin
80.3%
Operating Margin
42.5%
Net Margin
28.2%
YoY Growth
12.3%
EPS
$5.05
Fair Isaac Q3 FY2024 Financial Summary
Fair Isaac reported revenue of $447.8M (up 12.3% YoY) for Q3 FY2024, with a net profit of $126.3M (down 1.9% YoY) (28.2% margin). Cost of goods sold was $88.2M, operating expenses totaled $169.4M.
Key Financial Metrics
| Total Revenue | $447.8M |
|---|---|
| Net Profit | $126.3M |
| Gross Margin | 80.3% |
| Operating Margin | 42.5% |
| Report Period | Q3 FY2024 |
Revenue Breakdown
Fair Isaac Q3 FY2024 revenue of $447.8M breaks down across 6 segments, led by Non Platform Software at $132.0M (29.5% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Non Platform Software | $132.0M | 29.5% |
| Saa S Products | $100.0M | 22.3% |
| On Premises Products | $83.8M | 18.7% |
| Business To Consumer Scores | $52.7M | 11.8% |
| Platform Software | $51.8M | 11.6% |
| Technology Service | $22.6M | 5.0% |
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 Non Platform Software and Saa S Products) has evolved quarter over quarter.
| Segment | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 |
|---|---|---|---|---|
| Non Platform Software | — | $117.1M | $126.4M | $127.4M |
| Saa S Products | $115.7M | $108.8M | $106.2M | $101.5M |
| Business To Consumer Scores | $55.9M | $56.3M | $55.8M | $54.5M |
| Platform Software | $73.9M | $65.3M | $61.5M | $56.5M |
Fair Isaac Annual Revenue by Year
Fair Isaac annual revenue history includes year-by-year totals (for example, 2025 revenue was $2.0B).
| Year | Annual Revenue |
|---|---|
| 2025 | $2.0B |
| 2024 | $1.7B |
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 |