FAIR ISAAC CORP(FICO)— Stock Profile, AI Score & Financials
Technology · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
FAIR ISAAC CORP (FICO) stock profile, AI quality score, and SEC EDGAR financial data, a Technology sector company. 13F Pro's AI-powered ranking engine scores FICO at 77.7/100 on a 32-signal composite quality model, placing it at rank #61 of 2,960 stocks — the top 5% of the AI-ranked universe. FICO scores in the top quartile across balance sheet strength (99.2), institutional flow (93.6), profitability (92.6). Shareholder dilution risk is elevated at 19.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), FAIR ISAAC CORP reports quarterly revenue of $674.2M, net income of $237.2M, an operating margin of 53.8%. Top institutional holders of FICO by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, Capital Research Global Investors, based on the most recent SEC filings. FICO trades on the NYSE exchange and files with the SEC under CIK 814547. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FICO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FAIR ISAAC CORP directly from SEC EDGAR.
AI Quality Score
77.7/100
AI Rank
#61
Revenue
$674.2M
Net Income
$237.2M
Free Cash Flow
$379.6M
Operating Margin
53.8%
FICO key financials by period
FAIR ISAAC CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$2.0B
$651.9M
46.5%
FY 2024
10-K
$1.7B
$512.8M
42.7%
FY 2023
10-K
$1.5B
$429.4M
42.5%
FY 2022
10-K
$1.4B
$373.5M
39.4%
FY 2021
10-K
$1.3B
$392.1M
38.4%
FY 2020
10-K
$1.3B
$236.4M
22.9%
Institutions holding FICO
Institutional investors reporting a position in FAIR ISAAC CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-29 — Q3 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Total revenues rose 26% to $674.2 million as Scores jumped 41% to $458.9 million on higher mortgage origination scores unit price, while Software grew just 2%.
Biggest Revenue Drivers
Scores$458.9M+41% YoY
Increase in business-to-business scores revenue primarily attributable to a higher mortgage origination scores unit price
Software$215.3M+2% YoY
On-premises and SaaS software up $9.1M, partially offset by a $5.9M decrease in professional services revenue
Biggest Revenue Drivers
Total revenue: $674.2M+26% YoY
Scores$458.9M+41% YoY
Increase in business-to-business scores revenue primarily attributable to a higher mortgage origination scores unit price
Within Scores
Business-to-business Scores$400.0M87% of Scores revenue
Increased $131.6 million on higher mortgage origination scores unit price
Business-to-consumer Scores$58.9M13% of Scores revenue
Increased $3.0 million on higher royalties from scores sold indirectly to consumers through credit reporting agencies
Software$215.3M+2% YoY
On-premises and SaaS software up $9.1M, partially offset by a $5.9M decrease in professional services revenue
Within Software
Platform software$101.8M52% of on-premises and SaaS software rev
SaaS growth for Platform products drove revenue recognized over time
Largest Expense Items
Selling, general and administrative$170.8M+23% YoY
$25.6M increase in personnel and labor costs and $6.1M increase in marketing and other costs
Cost of revenues$87.0M-1% YoY
Remained consistent quarter-over-prior year quarter; fell to 13% of revenues from 16%
Research and development$53.7M+14% YoY
$5.4M increase in infrastructure and facilities costs and $2.2M increase in personnel and labor costs
Interest expense, net$59.9M+82% YoY
Higher average outstanding debt balance from 2025 and 2026 Senior Notes and the $1.5 billion term loan
Margins: Cost of revenues fell to 13% of revenues from 16% on increased sales of higher-margin Scores products. Scores segment operating margin rose to 91% from 88%; Software margin fell to 26% from 32%.
Watch Items from the Filing
Experian, TransUnion and Equifax collectively generated 63% of total revenues this quarter, up from 54%, each contributing more than 10%.
Total debt reached $5.6 billion versus $3.1 billion at September 30, 2025; stockholders' deficit widened to $4.1 billion after $2.3 billion of quarterly buybacks.
Non-platform ARR fell 17% YoY to $403.0 million with non-platform DBNRR of 82%, offsetting platform ARR growth of 62% to $412.8 million.
Software segment operating income fell 19% to $55.0 million; professional services revenue declined 24% to $18.3 million.
Consolidated antitrust class action in Northern District of Illinois proceeds on a Sherman Act Section 2 claim; no material exposure determined, amount unquantified.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
