FICO's earnings call highlighted strong financial performance with significant growth in revenues and net income, particularly driven by the Scores segment. The company demonstrated ongoing innovation and strategic partnerships. However, challenges were noted in the Software segment's slower growth and macroeconomic factors affecting usage. Overall, the highlights outweigh the lowlights, indicating a positive sentiment.

Company Guidance

During the FICO Second Quarter 2025 Earnings Conference Call, the guidance provided was optimistic, with the company reiterating its fiscal 2025 guidance amidst a solid performance. The company reported second-quarter revenue of $499 million, which marked a 15% increase compared to the prior year. GAAP net income was $163 million, a 25% increase, and GAAP earnings per share rose by 28% to $6.59. Non-GAAP net income was $193 million, also up 25%, with non-GAAP earnings per share at $7.81, a 27% increase from the previous year. The company generated $65 million in free cash flow during the quarter, with a trailing twelve-month free cash flow of $677 million, reflecting a 45% increase. The Scores segment saw significant growth, with revenues of $297 million, up 25% year-over-year, driven by a 31% increase in B2B revenues, predominantly from mortgage originations. Meanwhile, the Software segment delivered $202 million in revenue, up 2% from the prior year. Overall, FICO maintains confidence in its strategic initiatives and financial prospects for the remainder of the fiscal year.

Strong Revenue and Income Growth

FICO reported Q2 2025 revenues of $499 million, up 15% from the prior year. GAAP net income increased by 25% to $163 million, and GAAP earnings per share rose by 28% to $6.59.

Scores Segment Performance

The Scores segment saw revenues increase by 25% to $297 million, driven by a 31% rise in B2B revenues, primarily due to a 48% increase in mortgage origination revenues.

Free Cash Flow Growth

FICO delivered free cash flow of $65 million in Q2 and $677 million over the last four quarters, marking a 45% increase over the prior trailing 12-month period.

Innovative Product Developments

FICO announced the Kenya-specific FICO score and continued to push financial literacy initiatives. The FICO Score 10 T adoption program showed strong results, with significant client engagement in mortgage originations.

Strategic Partnerships

New partnerships were established with Fujitsu in Japan and dacadoo in the life insurance industry, aiming to enhance digital transformation and precision in underwriting.

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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

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FICO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 30, 2025	2025 (Q3)	7.66 / -	6.25	―	―	―
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)
Apr 27, 2023	2023 (Q2)	5.04 / 4.78	4.68	2.14% (+0.10)

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

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FICO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
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%
Jul 31, 2024	$1600.00	$1578.95	-1.32%

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.

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