The earnings call highlighted strong financial performance with significant revenue growth, net income increase, and record-breaking free cash flow. However, challenges in the software segment growth, CCS business headwinds, and concerns over the FHFA decision slightly tempered the positive outlook.

Company Guidance -

Q4 2025

During FICO's third quarter 2025 earnings call, the company reported substantial growth and revised its fiscal year 2025 guidance upwards. The company achieved Q3 revenues of $536 million, marking a 20% increase year-over-year, with GAAP net income rising by 44% to $182 million. In terms of earnings, GAAP EPS increased by 47% to $7.40, while non-GAAP EPS grew by 37% to $8.57. Record-breaking free cash flow of $276 million was also reported for the quarter. The Scores segment revenues surged by 34% to $324 million, driven primarily by a 42% increase in B2B Scores revenues, while the Software segment saw a 3% revenue rise to $212 million. The company repurchased 284,000 shares, investing over $0.5 billion in buybacks during the quarter. FICO also highlighted the strong adoption of its FICO Score 10 T and introduced new credit scores incorporating Buy Now, Pay Later data. With innovations in its software business, FICO anticipates further growth, supported by strategic collaboration with AWS to enhance AI-driven decision workflows.

Strong Revenue Growth

FICO reported Q3 revenues of $536 million, up 20% over last year.

Significant Increase in Net Income

GAAP net income was $182 million, up 44% from the prior year, and GAAP earnings per share were $7.40, up 47% from the prior year.

Record-Breaking Free Cash Flow

FICO delivered record-breaking free cash flow of $276 million in Q3, a 34% increase from the prior year.

Successful Share Buybacks

FICO repurchased over $0.5 billion of shares this quarter, the largest single quarter buyback in FICO history.

Growth in Scores Segment

The Scores segment reported third quarter revenues of $324 million, up 34% versus the prior year, driven by B2B Scores.

Launch of New Products

FICO launched FICO Score 10 BNPL and FICO Score 10 T BNPL, the first credit scores to incorporate Buy Now, Pay Later data.

Partnership with Amazon Web Services

FICO signed a new strategic collaboration agreement with Amazon Web Services to bring AI-driven automated decision workflows to more organizations.

Fair Isaac (FICO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

FICO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 05, 2025	2025 (Q4)	7.35 / -	6.54	―	―	―
Jul 30, 2025	2025 (Q3)	7.71 / 8.57	6.25	37.12% (+2.32)
Apr 29, 2025	2025 (Q2)	7.48 / 7.81	6.14	27.20% (+1.67)
Feb 04, 2025	2025 (Q1)	6.09 / 5.79	4.81	20.37% (+0.98)
Nov 06, 2024	2024 (Q4)	6.36 / 6.54	5.01	30.54% (+1.53)
Jul 31, 2024	2024 (Q3)	6.37 / 6.25	5.66	10.42% (+0.59)
Apr 25, 2024	2024 (Q2)	5.81 / 6.14	4.78	28.45% (+1.36)
Jan 25, 2024	2024 (Q1)	5.06 / 4.81	4.26	12.91% (+0.55)
Nov 08, 2023	2023 (Q4)	5.29 / 5.01	4.4	13.86% (+0.61)
Aug 02, 2023	2023 (Q3)	5.25 / 5.66	4.47	26.62% (+1.19)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FICO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$1527.80	$1436.72	-5.96%
Apr 29, 2025	$1961.50	$1989.68	+1.44%
Feb 04, 2025	$1809.70	$1847.80	+2.11%
Nov 06, 2024	$2090.63	$2176.10	+4.09%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.