FICO had a strong quarter with significant revenue and earnings growth, driven by robust performance in both the Scores and Software segments. Despite challenges in the mortgage market and some uncertainties related to the FHFA decision, the company's innovation and adoption of new products reflect a positive outlook.

Company Guidance

During FICO's Third Quarter 2025 Earnings Conference Call, management provided an optimistic outlook, raising their fiscal year 2025 guidance following a strong quarter. The company reported Q3 revenues of $536 million, a 20% increase from the previous year, and a record-breaking free cash flow of $276 million, up 34%. The Scores segment led growth with revenues of $324 million, a 34% rise, primarily driven by B2B Scores. FICO's innovative FICO Score 10 T, which has been widely adopted with lenders representing over $313 billion in annualized mortgage originations, is noted for its predictive accuracy. Additionally, the Software segment saw a 3% increase in revenue, with the total ARR growing by 4% to $739 million. FICO's strategic initiatives, including product innovations and a partnership with Amazon Web Services, are expected to enhance AI-driven decision workflows, contributing to a robust pipeline and future growth.

Strong Revenue Growth

FICO reported Q3 revenues of $536 million, up 20% over last year, reflecting strong performance in both the Scores and Software segments.

Record Net Income and Earnings Growth

The company reported GAAP net income of $182 million, up 44%, and GAAP earnings of $7.40 per share, up 47% from the prior year.

Significant Share Buybacks

FICO repurchased 284,000 shares in Q3, totaling over $0.5 billion, the largest single quarter buyback in FICO history.

FICO Score 10 T Adoption

FICO Score 10 T has been adopted by institutions representing over $313 billion in annualized mortgage originations.

Innovation and Product Launches

FICO launched FICO Score 10 BNPL and FICO Score 10 T BNPL, incorporating Buy Now, Pay Later data for the first time from a leading credit scoring provider.

Free Cash Flow Increase

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

Strong Software Segment Performance

The Software segment reported $212 million in revenue, up 3% from the prior year, driven by growth in platform SaaS.

Fair Isaac (FICO) Earnings, Revenues Date & History

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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.