← Filings of FICO
Tables in the 10-K of FAIR ISAAC CORP
75 tables with numbers, filed Nov 7, 2025. Each one downloads as a CSV for Excel or
Google Sheets, with the filing's address in the last row. Only the layout is tidied (a "$" or ")" in a cell of its own is joined to its number); no value is changed.
Open the filing on sec.gov ↗
| PART I | | |
| Item 1. | Business | 3 |
| Item 1A. | Risk Factors | 17 |
| Item 1B. | Unresolved Staff Comments | 31 |
| Item 1C. | Cybersecurity | 31 |
| Item 2. | Properties | 33 |
| Item 3. | Legal Proceedings | 33 |
| Item 4. | Mine Safety Disclosures | 33 |
First 8 of 28 rows. The CSV has all of them.
Table 2 after “Our executive officers as of September 30, 2025 were as follows:”
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| Name | Positions Held | Age |
| William J. Lansing | January 2012–present, Chief Executive Officer and member of the Board of Directors of the Company. February 2009–November 2010, Chief Executive Officer and President, Infospace, Inc. 2004–2007, Chief Executive Officer and President, ValueVision Media, Inc. 2001–2003, General Partner, General Atlantic LLC. 2000–2001, Chief Executive Officer, NBC Internet, Inc. 1998–2000, President/Chief Executive Officer, Fingerhut Companies, Inc. 1996–1998, Vice President, Corporate Business Development, General Electric Company. 1996, Executive Vice President, Chief Operating Officer, Prodigy, Inc. 1986–1995, various positions, McKinsey & Company, Inc. | 67 |
| Steven P. Weber | May 2023–present, Executive Vice President, Chief Financial Officer of the Company. January 2023–May 2023, Vice President, Interim Chief Financial Officer of the Company. March 2021–January 2023, Vice President, Treasurer, Tax and Investor Relations of the Company. November 2010–March 2021, Vice President of Investor Relations and Treasurer of the Company. April 2003–November 2010, various positions with the Company. September 2001–April 2003, Senior Financial Analyst, Metris Companies. 1990–2001, various positions, Foodservice News. | 62 |
| Nikhil Behl | March 2025–present, President, Software of the Company. July 2024–March 2025, Executive Vice President, Software of the Company. August 2023–July 2024, Executive Vice President, Chief Marketing Officer of the Company. April 2014–August 2023, Vice President, Chief Marketing Officer of the Company. October 2013–April 2014, Consultant to the Company. February 2012–October 2013, Chief Executive Officer of Supplizer. August 2011–January 2012, Chief Executive Officer of Zoostores.com. July 2010–August 2011, Chief Executive Officer, Mercantila Business Unit of Infospace. 2007–2010, Chief Merchandising Officer of Mercantila. 1995–June 2007, various positions, including VP Sales & Operations and VP Sales & Customer Service, Home & Home Office Store of Hewlett Packard. | 51 |
| Thomas A. Bowers | August 2020–present, Executive Vice President, Corporate Strategy of the Company. September 2019–August 2020, Vice President, Business Consulting of the Company. April 2018–September 2019, Founder and Managing Partner, M Cubed Development, LLC. August 2012–March 2018, Executive Vice President, American Savings Bank. 1987–2012, Senior partner and various positions, McKinsey & Company, Inc. | 70 |
| Richard S. Deal | November 2015–present, Executive Vice President, Chief Human Resources Officer of the Company. August 2007–November 2015, Senior Vice President, Chief Human Resources Officer of the Company. January 2001–August 2007, Vice President, Human Resources of the Company. 1998–2001, Vice President, Human Resources, Arcadia Financial, Ltd. 1993–1998, managed broad range of human resources corporate and line consulting functions with U.S. Bancorp. | 58 |
| Michael S. Leonard | November 2011–present, Vice President, Chief Accounting Officer of the Company. November 2007–November 2011, Senior Director, Finance of the Company. July 2000–November 2007, Director, Finance of the Company. 1998–2000, Controller of Natural Alternatives International, Inc. 1994–1998, various audit staff positions at KPMG LLP. | 60 |
| Mark R. Scadina | February 2009–present, Executive Vice President, General Counsel and Corporate Secretary of the Company. June 2007–February 2009, Senior Vice President, General Counsel and Corporate Secretary of the Company. 2003–2007, various senior positions including Executive Vice President, General Counsel and Corporate Secretary, Liberate Technologies, Inc. 1999–2003, various leadership positions including Vice President and General Counsel, Intertrust Technologies Corporation. 1994–1999, Associate, Pennie and Edmonds LLP. | 56 |
Table 3 after “Issuer Purchases of Equity Securities”
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| Period | Total Numberof SharesPurchased (1) | Average Price Paid per Share | | TotalNumber ofSharesPurchasedas Part ofPubliclyAnnouncedPlans orPrograms (2) | Maximum DollarValue of Sharesthat May Yet BePurchased Underthe Plans orPrograms (2) | |
| July 1, 2025 through July 31, 2025 | 131,572 | | $1,620.27 | | 131,046 | $667,795,277 |
| August 1, 2025 through August 31, 2025 | 145,749 | | $1,373.86 | | 145,457 | $467,959,531 |
| September 1, 2025 through September 30, 2025 | 81,456 | | $1,528.23 | | 81,376 | $343,600,296 |
| 358,777 | | $1,499.27 | | 357,879 | $343,600,296 |
Table 4 after “The following table summarizes our ACV Bookings during the periods indicated:”
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| Quarter Ended September 30, | Year Ended September 30, | | | | |
| 2025 | 2024 | | 2025 | 2024 | |
| (In millions) | | | | | |
| Total on-premises and SaaS software | $32.7 | | $22.1 | | $102.4 | $84.7 |
Table 5 after “The following table summarizes our ARR for on-premises and SaaS software exiting each of the dates presented:”
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| December 31, 2023 | March 31, 2024 | | June 30, 2024 | September 30, 2024 | December 31, 2024 | | March 31, 2025 | June 30, 2025 | September 30, 2025 | | | |
| ARR | (In millions) | | | | | | | | | | | | |
| Platform | $190.3 | $201.4 | | $215.1 | $227.0 | $227.7 | | $234.7 | $254.2 | $263.6 | | | |
| Non-platform | 497.4 | 495.6 | | 494.5 | 494.2 | 501.6 | | 479.9 | 484.9 | 483.7 | | | |
| Total | $687.7 | $697.0 | | $709.6 | $721.2 | $729.3 | | $714.6 | $739.1 | $747.3 | | | |
| Percentage | | | | | | | | | | | | | |
| Platform | 28% | | 29% | | 30% | | 31% | | 31% | | 33% | 34% | 35% |
| Non-platform | 72% | | 71% | | 70% | | 69% | | 69% | | 67% | 66% | 65% |
First 8 of 13 rows. The CSV has all of them.
Table 6 after “The following table summarizes our DBNRR for on-premises and SaaS software exiting each of the dates presented:”
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| December 31, 2023 | March 31, 2024 | | June 30, 2024 | September 30, 2024 | December 31, 2024 | | March 31, 2025 | June 30, 2025 | September 30, 2025 | | | |
| DBNRR | | | | | | | | | | | | | |
| Platform | 136% | | 126% | | 124% | | 123% | | 112% | | 110% | 115% | 112% |
| Non-platform | 108% | | 106% | | 101% | | 99% | | 100% | | 96% | 97% | 97% |
| Total | 114% | | 112% | | 108% | | 106% | | 105% | | 102% | 103% | 102% |
| Year Ended September 30, | Period-to-Period Change | | Period-to-Period Percentage Change | | | | | | | |
| Segment | 2025 | 2024 | | 2023 | 2025 to 2024 | 2024 to 2023 | | 2025 to 2024 | 2024 to 2023 | | |
| (In thousands) | (In thousands) | | | | | | | | | |
| Scores | $1,168,575 | | $919,650 | | $773,828 | | $248,925 | | $145,822 | 27% | 19% |
| Software | 822,294 | | 797,876 | | 739,729 | | 24,418 | | 58,147 | 3% | 8% |
| Total | $1,990,869 | | $1,717,526 | | $1,513,557 | | 273,343 | | 203,969 | 16% | 13% |
| Percentage of Revenues Year Ended September 30, | | | | |
| Segment | 2025 | 2024 | | 2023 | |
| Scores | 59% | | 54% | | 51% |
| Software | 41% | | 46% | | 49% |
| Total | 100% | | 100% | | 100% |
Table 9 after “The following table provides information about disaggregated revenue for our Software segment by revenue types:”
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| Year Ended September 30, | Period-to-Period Change | | Period-to-Period Percentage Change | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 to 2024 | 2024 to 2023 | | 2025 to 2024 | 2024 to 2023 | | |
| (In thousands) | (In thousands) | | | | | | | | | |
| On-premises and SaaS software | $740,145 | | $711,340 | | $640,182 | | $28,805 | | $71,158 | 4% | 11% |
| Professional services | 82,149 | | 86,536 | | 99,547 | | (4,387) | | (13,011) | (5)% | (13)% |
| Total | $822,294 | | $797,876 | | $739,729 | | 24,418 | | 58,147 | 3% | 8% |
Table 10 after “The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by timing”
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| Year Ended September 30, | Period-to-Period Change | | Period-to-Period Percentage Change | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 to 2024 | 2024 to 2023 | | 2025 to 2024 | 2024 to 2023 | | |
| (In thousands) | (In thousands) | | | | | | | | | |
| Software recognized at a point in time (1) | $90,238 | | $76,284 | | $72,843 | | $13,954 | | $3,441 | 18% | 5% |
| Software recognized over contract term (2) | 649,907 | | 635,056 | | 567,339 | | 14,851 | | 67,717 | 2% | 12% |
| Total | $740,145 | | $711,340 | | $640,182 | | $28,805 | | 71,158 | 4% | 11% |
Table 11 after “The following tables set forth certain summary information related to our consolidated statements of income and comprehensive income for fis”
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| Year Ended September 30, | Period-to-Period Change | | Period-to-Period Percentage Change | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 to 2024 | 2024 to 2023 | | 2025 to 2024 | 2024 to 2023 | | |
| (In thousands, except employees) | (In thousands, except employees) | | | | | | | | | |
| Revenues | $1,990,869 | | $1,717,526 | | $1,513,557 | | $273,343 | | $203,969 | 16% | 13% |
| Operating expenses: | | | | | | | | | | | |
| Cost of revenues | 353,722 | | 348,206 | | 311,053 | | 5,516 | | 37,153 | 2% | 12% |
| Research and development | 188,347 | | 171,940 | | 159,950 | | 16,407 | | 11,990 | 10% | 7% |
| Selling, general and administrative | 513,028 | | 462,834 | | 400,565 | | 50,194 | | 62,269 | 11% | 16% |
First 8 of 19 rows. The CSV has all of them.
| Percentage of Revenues Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| Revenues | 100% | | 100% | | 100% |
| Operating expenses: | | | | | |
| Cost of revenues | 18% | | 20% | | 21% |
| Research and development | 9% | | 10% | | 11% |
| Selling, general and administrative | 26% | | 27% | | 26% |
| Amortization of intangible assets | —% | | —% | | —% |
First 8 of 17 rows. The CSV has all of them.
Table 13 after “The following tables set forth certain summary information on a segment basis related to our operating income for fiscal 2025, 2024 and 2023”
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| Year Ended September 30, | Period-to-Period Change | | Period-to-Period Percentage Change | | | | | | | |
| Segment | 2025 | 2024 | | 2023 | 2025 to 2024 | 2024 to 2023 | | 2025 to 2024 | 2024 to 2023 | | |
| (In thousands) | (In thousands) | | | | | | | | | |
| Scores | $1,026,243 | | $813,354 | | $681,071 | | $212,889 | | $132,283 | 26% | 19% |
| Software | 247,694 | | 257,529 | | 241,191 | | (9,835) | | 16,338 | (4)% | 7% |
| Total segment operating income | 1,273,937 | | 1,070,883 | | 922,262 | | 203,054 | | 148,621 | 19% | 16% |
| Unallocated corporate expenses | (181,498) | | (186,898) | | (156,426) | | 5,400 | | (30,472) | (3)% | 19% |
| Unallocated share-based compensation | (156,667) | | (149,439) | | (123,847) | | (7,228) | | (25,592) | 5% | 21% |
First 8 of 12 rows. The CSV has all of them.
| Year Ended September 30, | Percentage of Revenues | | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 | 2024 | | 2023 | | |
| (In thousands) | | | | | | | | | |
| Segment revenues | $1,168,575 | | $919,650 | | $773,828 | | 100% | | 100% | 100% |
| Segment operating expenses | (142,332) | | (106,296) | | (92,757) | | (12)% | | (12)% | (12)% |
| Segment operating income | $1,026,243 | | $813,354 | | $681,071 | | 88% | | 88% | 88% |
| Year Ended September 30, | Percentage of Revenues | | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 | 2024 | | 2023 | | |
| (In thousands) | | | | | | | | | |
| Segment revenues | $822,294 | | $797,876 | | $739,729 | | 100% | | 100% | 100% |
| Segment operating expenses | (574,600) | | (540,347) | | (498,538) | | (70)% | | (68)% | (67)% |
| Segment operating income | $247,694 | | $257,529 | | $241,191 | | 30% | | 32% | 33% |
| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Cash provided by (used in): | | | | | |
| Operating activities | $778,807 | | $632,964 | | $468,915 |
| Investing activities | (43,719) | | (27,993) | | (15,954) |
| Financing activities | (750,329) | | (592,923) | | (455,001) |
| Effect of exchange rate changes on cash | (1,290) | | 1,841 | | 5,616 |
First 8 of 9 rows. The CSV has all of them.
Table 17 after “The following table presents a summary of our contractual obligations at September 30, 2025:”
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| Year Ending September 30, | Thereafter | | Total | | | | | | |
| 2026 | 2027 | | 2028 | 2029 | 2030 | | | | |
| (In thousands) | | | | | | | | | |
| Senior Notes (1) | $400,000 | | $— | | $900,000 | | $— | $— | $1,500,000 | $2,800,000 |
| Revolving line of credit (1) | — | | — | | — | | — | 275,000 | — | 275,000 |
| Interest due on Senior Notes | 147,500 | | 126,000 | | 126,000 | | 90,000 | 90,000 | 270,000 | 849,500 |
| Operating lease obligations | 11,214 | | 8,125 | | 5,576 | | 3,767 | 1,917 | 2,191 | 32,790 |
| Finance lease obligations | 3,625 | | 3,625 | | 441 | | — | — | — | 7,691 |
First 8 of 11 rows. The CSV has all of them.
Table 18 after “We maintain an investment portfolio consisting of bank deposits and money market funds. The funds provide daily liquidity and may be subject”
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| September 30, 2025 | September 30, 2024 | | | | | | | | |
| Cost Basis | Carrying Amount | | Average Yield | Cost Basis | Carrying Amount | | Average Yield | | |
| (Dollars in thousands) | | | | | | | | | |
| Cash and cash equivalents | $134,136 | | $134,136 | | 1.77% | | $150,667 | | $150,667 | 2.88% |
Table 19 after “The fair value of the Senior Notes may increase or decrease due to various factors, including fluctuations in market interest rates and fluc”
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| September 30, 2025 | September 30, 2024 | | | | |
| Face Value | Fair Value | | Face Value | Fair Value | |
| (In thousands) | | | | | |
| The 2018 Senior Notes | $400,000 | | 399,500 | | $400,000 | $399,500 |
| The 2019 Senior Notes and the 2021 Senior Notes | 900,000 | | 875,250 | | 900,000 | 864,000 |
| The 2025 Senior Notes | 1,500,000 | | 1,518,750 | | — | — |
| Total | $2,800,000 | | $2,793,500 | | $1,300,000 | $1,263,500 |
Table 20 after “The following tables summarize our outstanding foreign currency forward contracts, by currency, at September 30, 2025 and 2024:”
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| September 30, 2025 | | | | |
| Contract Amount | | Fair Value | | |
| Foreign Currency | | USD | USD | |
| (In thousands) | | | | |
| Sell foreign currency: | | | | | |
| Euro (EUR) | EUR | 7,700 | | $9,034 | — |
| Buy foreign currency: | | | | | |
| British pound (GBP) | GBP | 10,019 | | $13,500 | — |
First 8 of 9 rows. The CSV has all of them.
Table 21 after “The following tables summarize our outstanding foreign currency forward contracts, by currency, at September 30, 2025 and 2024:”
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| September 30, 2024 | | | | |
| Contract Amount | | Fair Value | | |
| Foreign Currency | | USD | USD | |
| (In thousands) | | | | |
| Sell foreign currency: | | | | | |
| Euro (EUR) | EUR | 13,000 | | $14,531 | — |
| Buy foreign currency: | | | | | |
| British pound (GBP) | GBP | 12,237 | | $16,400 | — |
First 8 of 9 rows. The CSV has all of them.
| September 30, | | |
| 2025 | 2024 | |
| (In thousands, except par value data) | | |
| Assets | | | |
| Current assets: | | | |
| Cash and cash equivalents | $134,136 | | $150,667 |
| Accounts receivable, net | 529,148 | | 426,642 |
| Prepaid expenses and other current assets | 41,881 | | 40,104 |
First 8 of 38 rows. The CSV has all of them.
Table 23 after “CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands, except per share data) | | | | |
| Revenues: | | | | | |
| On-premises and SaaS software | $740,145 | | $711,340 | | $640,182 |
| Professional services | 82,149 | | 86,536 | | 99,547 |
| Scores | 1,168,575 | | 919,650 | | 773,828 |
| Total revenues | 1,990,869 | | 1,717,526 | | 1,513,557 |
First 8 of 31 rows. The CSV has all of them.
Table 24 after “Years Ended September 30, 2025, 2024 and 2023”
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| Common Stock | Additional Paid-in-Capital | | Treasury Stock | Retained Earnings | Accumulated Other Comprehensive Loss | | Total Stockholders’ Deficit | | | |
| (In thousands) | Shares | Par Value | | | | | | | | | |
| Balance at September 30, 2022 | 25,154 | | $252 | | $1,299,588 | | $(4,935,769) | | $2,958,684 | $(124,702) | $(801,947) |
| Share-based compensation | — | | — | | 123,847 | | — | | — | — | 123,847 |
| Issuance of treasury stock under employee stock plans | 231 | | 2 | | (72,722) | | 18,245 | | — | — | (54,475) |
| Repurchases of common stock | (615) | | (6) | | — | | (407,341) | | — | — | (407,347) |
| Net income | — | | — | | — | | — | | 429,375 | — | 429,375 |
| Foreign currency translation adjustments | — | | — | | — | | — | | — | 22,557 | 22,557 |
First 8 of 21 rows. The CSV has all of them.
Table 25 after “CONSOLIDATED STATEMENTS OF CASH FLOWS”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Cash flows from operating activities: | | | | | |
| Net income | $651,946 | | $512,811 | | $429,375 |
| Adjustments to reconcile net income to net cash provided by operating activities: | | | | | |
| Depreciation and amortization | 14,952 | | 13,827 | | 14,638 |
| Share-based compensation | 156,667 | | 149,439 | | 123,847 |
First 8 of 50 rows. The CSV has all of them.
Table 26 after “Depreciation and amortization charges are calculated using the straight-line method over the following estimated useful lives:”
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| Estimated Useful Life | | |
| Data processing equipment and purchased software | 3 years | | |
| Internal-use software | 4 years | | |
| Office furniture and equipment | 3 years | to | 7 years |
| Leasehold improvements | Shorter of estimated useful life or lease term | | |
Table 27 after “The following is a summary of cash, cash equivalents and marketable securities at September 30, 2025 and 2024:”
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| September 30, 2025 | September 30, 2024 | | | | |
| Amortized Cost | Fair Value | | Amortized Cost | Fair Value | |
| (In thousands) | | | | | |
| Cash and Cash Equivalents: | | | | | | |
| Cash | $134,130 | | $134,130 | | $142,768 | $142,768 |
| Money market funds | 6 | | 6 | | 731 | 731 |
| Bank time deposits | — | | — | | 7,168 | 7,168 |
| Total | $134,136 | | $134,136 | | $150,667 | $150,667 |
First 8 of 10 rows. The CSV has all of them.
Table 28 after “The following tables represent financial assets that we measured at fair value on a recurring basis at September 30, 2025 and 2024:”
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| September 30, 2025 | Active Markets for Identical Instruments (Level 1) | Fair Value as of September 30, 2025 | |
| (In thousands) | | |
| Assets: | | | |
| Cash equivalents (1) | $6 | | $6 |
| Marketable securities (2) | 54,625 | | 54,625 |
| Total | $54,631 | | $54,631 |
Table 29 after “Years Ended September 30, 2025, 2024 and 2023”
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| September 30, 2024 | Active Markets for Identical Instruments (Level 1) | Fair Value as of September 30, 2024 | |
| (In thousands) | | |
| Assets: | | | |
| Cash equivalents (1) | $7,899 | | $7,899 |
| Marketable securities (2) | 45,289 | | 45,289 |
| Total | $53,188 | | $53,188 |
Table 30 after “The following tables summarize our outstanding foreign currency forward contracts, by currency, at September 30, 2025 and 2024:”
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| September 30, 2025 | | | | |
| Contract Amount | | Fair Value | | |
| Foreign Currency | | USD | USD | |
| | (In thousands) | | | |
| Sell foreign currency: | | | | | |
| Euro (EUR) | EUR | 7,700 | | $9,034 | — |
| Buy foreign currency: | | | | | |
| British pound (GBP) | GBP | 10,019 | | $13,500 | — |
First 8 of 9 rows. The CSV has all of them.
Table 31 after “Years Ended September 30, 2025, 2024 and 2023”
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| September 30, 2024 | | | | |
| Contract Amount | | Fair Value | | |
| Foreign Currency | | USD | USD | |
| | (In thousands) | | | |
| Sell foreign currency: | | | | | |
| Euro (EUR) | EUR | 13,000 | | $14,531 | — |
| Buy foreign currency: | | | | | |
| British pound (GBP) | GBP | 12,237 | | $16,400 | — |
First 8 of 9 rows. The CSV has all of them.
Table 32 after “Gains (losses) on derivative financial instruments were recorded in our consolidated statements of income and comprehensive income as a comp”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Gain (loss) on foreign currency forward contracts | $(425) | | $1,580 | | $1,625 |
Table 33 after “accumulated goodwill impairment loss.”
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| Scores | Software | | Total | |
| (In thousands) | | | | |
| Balance at September 30, 2023 | $146,648 | | $626,679 | | $773,327 |
| Foreign currency translation adjustment | — | | 9,425 | | 9,425 |
| Balance at September 30, 2024 | 146,648 | | 636,104 | | 782,752 |
| Foreign currency translation adjustment | — | | 588 | | 588 |
| Balance at September 30, 2025 | $146,648 | | $636,692 | | $783,340 |
Table 34 after “The following table presents the composition of property and equipment, net at September 30, 2025 and 2024:”
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| September 30, | | |
| 2025 | 2024 | |
| (In thousands) | | |
| Property and equipment, net: | | | |
| Data processing equipment and purchased software | $42,121 | | $74,084 |
| Internal-use software | 47,151 | | 16,510 |
| Office furniture and equipment | 8,113 | | 9,473 |
| Leasehold improvements | 15,900 | | 15,851 |
First 8 of 10 rows. The CSV has all of them.
Table 35 after “The following table presents the composition of other accrued liabilities at September 30, 2025 and 2024:”
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| September 30, | | |
| 2025 | 2024 | |
| (In thousands) | | |
| Other accrued liabilities: | | | |
| Interest payable | $53,500 | | $21,663 |
| Other | 61,118 | | 58,149 |
| Total | $114,618 | | $79,812 |
Table 36 after “The following table represents our debt at carrying value at September 30, 2025 and 2024:”
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| September 30, 2025 | September 30, 2024 | |
| (In thousands) | | |
| Current maturities on debt: | | | |
| The $300 Million Term Loan | $— | | $15,000 |
| The 2018 Senior Notes | 400,000 | | — |
| Less: debt issuance costs | (459) | | — |
| Current maturities on debt | 399,541 | | 15,000 |
| Long-term debt: | | | |
First 8 of 17 rows. The CSV has all of them.
Table 37 after “The following table presents the face values and fair values for the Senior Notes at September 30, 2025 and 2024:”
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| September 30, 2025 | September 30, 2024 | | | | |
| Face Value | Fair Value | | Face Value | Fair Value | |
| (In thousands) | | | | | |
| The 2018 Senior Notes | $400,000 | | $399,500 | | $400,000 | $399,500 |
| The 2019 Senior Notes and the 2021 Senior Notes | 900,000 | | 875,250 | | 900,000 | 864,000 |
| The 2025 Senior Notes | 1,500,000 | | 1,518,750 | | — | — |
| Total | $2,800,000 | | $2,793,500 | | $1,300,000 | $1,263,500 |
Table 38 after “Future principal payments for the Senior Notes are as follows:”
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| Year Ending September 30, | (In thousands) |
| 2026 | $400,000 |
| 2027 | — |
| 2028 | 900,000 |
| 2029 | — |
| 2030 | — |
| Thereafter | 1,500,000 |
| Total | $2,800,000 |
Table 39 after “The following tables provide information about disaggregated revenue by primary geographical market:”
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| Year Ended September 30, 2025 | | | | | |
| Scores | Software | | Total | Percentage | |
| (Dollars in thousands) | | | | | |
| Americas | $1,154,470 | | $577,915 | | $1,732,385 | 87% |
| Europe, Middle East and Africa | 6,984 | | 152,819 | | 159,803 | 8% |
| Asia Pacific | 7,121 | | 91,560 | | 98,681 | 5% |
| Total | $1,168,575 | | $822,294 | | $1,990,869 | 100% |
Table 40 after “The following tables provide information about disaggregated revenue by primary geographical market:”
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| Year Ended September 30, 2024 | | | | | |
| Scores | Software | | Total | Percentage | |
| (Dollars in thousands) | | | | | |
| Americas | $905,266 | | $544,622 | | $1,449,888 | 84% |
| Europe, Middle East and Africa | 5,908 | | 163,618 | | 169,526 | 10% |
| Asia Pacific | 8,476 | | 89,636 | | 98,112 | 6% |
| Total | $919,650 | | $797,876 | | $1,717,526 | 100% |
Table 41 after “The following tables provide information about disaggregated revenue by primary geographical market:”
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| Year Ended September 30, 2023 | | | | | |
| Scores | Software | | Total | Percentage | |
| (Dollars in thousands) | | | | | |
| Americas | $763,874 | | $523,076 | | $1,286,950 | 85% |
| Europe, Middle East and Africa | 5,802 | | 135,562 | | 141,364 | 9% |
| Asia Pacific | 4,152 | | 81,091 | | 85,243 | 6% |
| Total | $773,828 | | $739,729 | | $1,513,557 | 100% |
Table 42 after “The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by deploy”
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| Year Ended September 30, | Percentage of revenues | | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 | 2024 | | 2023 | | |
| (Dollars in thousands) | | | | | | | | | |
| On-premises software | $320,425 | | $313,632 | | $292,763 | | 43% | | 44% | 46% |
| SaaS software | 419,720 | | 397,708 | | 347,419 | | 57% | | 56% | 54% |
| Total | $740,145 | | $711,340 | | $640,182 | | 100% | | 100% | 100% |
Table 43 after “The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by produc”
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| Year Ended September 30, | Percentage of revenues | | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 | 2024 | | 2023 | | |
| (Dollars in thousands) | | | | | | | | | |
| Platform software | $237,056 | | $200,004 | | $154,750 | | 32% | | 28% | 24% |
| Non-platform software | 503,089 | | 511,336 | | 485,432 | | 68% | | 72% | 76% |
| Total | $740,145 | | $711,340 | | $640,182 | | 100% | | 100% | 100% |
Table 44 after “The following table provides information about disaggregated revenue for on-premises and SaaS software within our Software segment by timing”
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| Year Ended September 30, | Percentage of revenues | | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 | 2024 | | 2023 | | |
| (Dollars in thousands) | | | | | | | | | |
| Software recognized at a point in time (1) | $90,238 | | $76,284 | | $72,843 | | 12% | | 11% | 11% |
| Software recognized over contract term (2) | 649,907 | | 635,056 | | 567,339 | | 88% | | 89% | 89% |
| Total | $740,145 | | $711,340 | | $640,182 | | 100% | | 100% | 100% |
Table 45 after “The following table provides information about disaggregated revenue for our Scores segment by distribution method:”
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| Year Ended September 30, | Percentage of revenues | | | | | | | | |
| 2025 | 2024 | | 2023 | 2025 | 2024 | | 2023 | | |
| (Dollars in thousands) | | | | | | | | | |
| Business-to-business Scores | $948,595 | | $711,843 | | $560,995 | | 81% | | 77% | 72% |
| Business-to-consumer Scores | 219,980 | | 207,807 | | 212,833 | | 19% | | 23% | 28% |
| Total | $1,168,575 | | $919,650 | | $773,828 | | 100% | | 100% | 100% |
Table 46 after “Receivables at September 30, 2025 and 2024 consisted of the following:”
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| September 30, | | |
| 2025 | 2024 | |
| (In thousands) | | |
| Billed | $327,721 | | $264,942 |
| Unbilled | 246,600 | | 210,795 |
| 574,321 | | 475,737 |
| Less: allowance for doubtful accounts | (7,964) | | (6,454) |
| Net receivables | 566,357 | | 469,283 |
First 8 of 10 rows. The CSV has all of them.
Table 47 after “Activity in the allowance for doubtful accounts was as follows:”
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| Year Ended September 30, | | |
| 2025 | 2024 | |
| (In thousands) | | |
| Allowance for doubtful accounts, beginning balance | $6,454 | | $4,978 |
| Add: expense | 1,485 | | 1,675 |
| Less: write-offs (net of recoveries) | 25 | | (199) |
| Allowance for doubtful accounts, ending balance | $7,964 | | $6,454 |
Table 48 after “Deferred revenue primarily relates to our maintenance and SaaS contracts billed annually in advance and generally recognized ratably over th”
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| Year Ended September 30, | | |
| 2025 | 2024 | |
| (In thousands) | | |
| Deferred revenues, beginning balance | $160,209 | | $143,235 |
| Revenue recognized that was included in the deferred revenues balance at the beginning of the period | (151,859) | | (133,554) |
| Increases due to billings, excluding amounts recognized as revenue during the period | 180,888 | | 150,528 |
| Deferred revenues, ending balance (*) | $189,238 | | $160,209 |
Table 49 after “The following table summarizes our restructuring accrual for employee separation costs. At September 30, 2025, the balance was classified as”
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| Year Ended |
| September 30, 2025 |
| (In thousands) |
| Restructuring accrual, beginning balance | $— |
| Expense additions | 10,922 |
| Cash payments | (948) |
| Restructuring accrual, ending balance | $9,974 |
Table 50 after “The provision for income taxes was as follows during fiscal 2025, 2024 and 2023:”
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| Year ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Current: | | | | | |
| Federal | $123,340 | | $110,402 | | $112,456 |
| State | 23,818 | | 10,199 | | 16,844 |
| Foreign | 35,977 | | 35,943 | | 42,327 |
| 183,135 | | 156,544 | | 171,627 |
First 8 of 14 rows. The CSV has all of them.
Table 51 after “Deferred tax assets and liabilities at September 30, 2025 and 2024 were as follows:”
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| September 30, | | |
| 2025 | 2024 | |
| (In thousands) | | |
| Deferred tax assets: | | | |
| Loss and credit carryforwards | $6,876 | | $7,717 |
| Compensation benefits | 31,638 | | 32,093 |
| Operating lease liabilities | 7,375 | | 7,881 |
| Research and development costs | 100,304 | | 67,795 |
First 8 of 17 rows. The CSV has all of them.
Table 52 after “A reconciliation of the provision for income taxes, with the amount computed by applying the U.S. federal statutory income tax rate of 21% t”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Income tax provision at U.S. federal statutory rate | $168,545 | | $134,825 | | $116,261 |
| State income taxes, net of U.S. federal benefit | 18,733 | | 13,109 | | 14,135 |
| Foreign tax rate differential | 5,812 | | 6,675 | | 9,489 |
| Research credits | (6,683) | | (5,472) | | (3,600) |
| Valuation allowance | — | | (2,183) | | (14,451) |
First 8 of 12 rows. The CSV has all of them.
Table 53 after “A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Gross unrecognized tax benefits at beginning of year | $19,879 | | $13,849 | | $12,980 |
| Gross increases for tax positions in prior years | 678 | | 4,769 | | — |
| Gross decreases for tax positions in prior years | — | | (1,956) | | (1,127) |
| Gross increases based on tax positions related to the current year | 3,675 | | 4,277 | | 3,650 |
| Decreases for settlements and payments | — | | — | | (523) |
First 8 of 10 rows. The CSV has all of them.
Table 54 after “The following table summarizes the RSUs activity during fiscal 2025:”
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| Shares | Weighted-average Grant-date Fair Value | |
| (In thousands) | | |
| Outstanding at September 30, 2024 | 305 | | $724.40 |
| Granted | 56 | | 2,119.14 |
| Released | (128) | | 647.91 |
| Forfeited | (19) | | 933.24 |
| Outstanding at September 30, 2025 | 214 | | $1,114.47 |
Table 55 after “The following table summarizes the PSUs activity during fiscal 2025:”
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| Shares | Weighted- average Grant-date Fair Value | |
| (In thousands) | | |
| Outstanding at September 30, 2024 | 85 | | $786.85 |
| Granted | 14 | | 2,227.11 |
| Released | (46) | | 665.22 |
| Forfeited | (7) | | 1,161.69 |
| Outstanding at September 30, 2025 | 46 | | $1,283.09 |
Table 56 after “We used the following assumptions to estimate the fair value of our MSUs during fiscal 2025, 2024 and 2023:”
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| Year Ended September 30, | | | | | | | | |
| 2025 | | 2024 | | | 2023 | | | |
| Expected volatility in FICO’s stock price | 36.2 | % | | 36.3 | % | | | 47.3 | % |
| Expected volatility in Russell 3000 Index | N/A | | 18.2 | % | | | 26.0 | % | |
| Expected volatility in S&P 500 Index (peer average) | 30.9 | % | | N/A | | | N/A | | |
| Correlation between FICO and the Russell 3000 Index | N/A | | 60.3 | % | | | 73.5 | % | |
| Correlation between FICO and the S&P 500 Index | 30.3 | % | | N/A | | | N/A | | |
| Risk-free interest rate | 4.09 | % | | 4.39 | % | | | 4.02 | % |
First 8 of 9 rows. The CSV has all of them.
Table 57 after “The following table summarizes the MSUs activity during fiscal 2025:”
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| Shares | Weighted- average Grant-date Fair Value | |
| (In thousands) | | |
| Outstanding at September 30, 2024 | 62 | | $1,161.62 |
| Granted | 32 | | 1,596.70 |
| Released | (46) | | 978.49 |
| Forfeited | (3) | | 1,846.85 |
| Outstanding at September 30, 2025 | 45 | | $1,611.35 |
Table 58 after “We used the following assumptions to estimate the fair value of our stock options during fiscal 2025, 2024 and 2023:”
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| Year Ended September 30, | | | | | | | | | | | |
| 2025 | 2024 | | 2023 | | | | | | | | |
| Stock Options: | | | | | | | | | | | | |
| Weighted-average expected term (years) | | 4.40 | | | 4.46 | | | | 5.23 | | | |
| Expected volatility (range) | 34.6 | - | 36.5% | | 33.6 | | - | 33.9% | | 33.4 | - | 35.5% |
| Weighted-average volatility | | 35.0% | | | | 33.7% | | | | 33.5% | | |
| Risk-free interest rate (range) | 3.89 | - | 4.08% | | 4.18 | | - | 4.30% | | 3.40 | - | 4.49% |
| Weighted-average expected dividend yield | | —% | | | | —% | | | | —% | | |
Table 59 after “The following table summarizes option activity during fiscal 2025:”
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| Shares | Weighted- average Exercise Price | | Weighted- average Remaining Contractual Term | Aggregate Intrinsic Value | |
| (In thousands) | | | (In years) | (In thousands) | |
| Outstanding at September 30, 2024 | 189 | | $479.26 | | | |
| Granted | 5 | | 2,014.89 | | | |
| Exercised | (65) | | 224.16 | | | |
| Outstanding at September 30, 2025 | 129 | | $670.08 | | 3.43 | $109,164 |
| Exercisable at September 30, 2025 | 65 | | $457.59 | | 2.11 | $67,464 |
| Vested or expected to vest at September 30, 2025 | 127 | | $664.36 | | 3.41 | $108,192 |
Table 60 after “The following table presents reconciliations for the numerators and denominators of basic and diluted earnings per share (“EPS”) during fisc”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands, except per share data) | | | | |
| Numerator for diluted and basic earnings per share: | | | | | |
| Net income | $651,946 | | $512,811 | | $429,375 |
| Denominator — share: | | | | | |
| Basic weighted-average shares | 24,239 | | 24,676 | | 24,986 |
| Effect of dilutive securities | 322 | | 403 | | 381 |
First 8 of 12 rows. The CSV has all of them.
Table 61 after “The following tables summarize segment information for fiscal 2025, 2024 and 2023:”
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| Year Ended September 30, 2025 | | | | |
| Scores | Software | | Total | |
| (In thousands) | | | | |
| Segment revenues: | | | | | |
| On-premises and SaaS software | $— | | $740,145 | | $740,145 |
| Professional services | — | | 82,149 | | 82,149 |
| Scores | 1,168,575 | | — | | 1,168,575 |
| Total segment revenues | 1,168,575 | | 822,294 | | 1,990,869 |
First 8 of 17 rows. The CSV has all of them.
Table 62 after “The following tables summarize segment information for fiscal 2025, 2024 and 2023:”
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| Year Ended September 30, 2024 | | | | |
| Scores | Software | | Total | |
| (In thousands) | | | | |
| Segment revenues: | | | | | |
| On-premises and SaaS software | $— | | $711,340 | | $711,340 |
| Professional services | — | | 86,536 | | 86,536 |
| Scores | 919,650 | | — | | 919,650 |
| Total segment revenues | 919,650 | | 797,876 | | 1,717,526 |
First 8 of 17 rows. The CSV has all of them.
Table 63 after “Years Ended September 30, 2025, 2024 and 2023”
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| Year Ended September 30, 2023 | | | | |
| Scores | Software | | Total | |
| (In thousands) | | | | |
| Segment revenues: | | | | | |
| On-premises and SaaS software | $— | | $640,182 | | $640,182 |
| Professional services | — | | 99,547 | | 99,547 |
| Scores | 773,828 | | — | | 773,828 |
| Total segment revenues | 773,828 | | 739,729 | | 1,513,557 |
First 8 of 18 rows. The CSV has all of them.
Table 64 after “The following table presents depreciation and amortization on property and equipment for fiscal 2025, 2024 and 2023:”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Depreciation and amortization: | | | | | |
| Scores | $512 | | $451 | | $485 |
| Software | 10,071 | | 8,881 | | 9,550 |
| Total segment depreciation and amortization | 10,583 | | 9,332 | | 10,035 |
| Unallocated corporate | 75 | | 66 | | 71 |
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Table 65 after “The following table presents the lease balances within the accompanying consolidated balance sheets as of September 30, 2025 and 2024:”
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| Balance Sheet Location | September 30, | | |
| | 2025 | 2024 | |
| | (In thousands) | | |
| Assets | | | | |
| Operating leases | Operating lease right-of-use assets | $26,213 | | $29,580 |
| Finance leases (*) | Property and equipment, net | 6,946 | | 9,881 |
| Total lease assets | | $33,159 | | $39,461 |
| Liabilities | | | | |
First 8 of 15 rows. The CSV has all of them.
Table 66 after “The components of our operating and finance lease expenses were as follows:”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Operating lease cost | $11,686 | | $14,421 | | $16,594 |
| Finance lease cost: | | | | | |
| Depreciation of lease assets | 2,935 | | 1,859 | | — |
| Interest on lease liabilities | 481 | | 369 | | — |
| Short-term lease cost | 802 | | 811 | | 461 |
First 8 of 11 rows. The CSV has all of them.
Table 67 after “The following table presents weighted-average remaining lease terms and weighted-average discount rates related to our operating and finance”
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| September 30, | | |
| 2025 | 2024 | |
| Operating leases: | | | |
| Weighted-average remaining lease term (in months) | 46 | 44 | |
| Weighted-average discount rate | 6.58% | | 6.41% |
| Finance leases: | | | |
| Weighted-average remaining lease term (in months) | 28 | 40 | |
| Weighted-average discount rate | 5.52% | | 5.52% |
Table 68 after “Supplemental cash flow information related to our non-cancellable leases was as follows:”
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| Year Ended September 30, | | | | |
| 2025 | 2024 | | 2023 | |
| (In thousands) | | | | |
| Cash paid for amounts included in the measurement of lease liabilities: | | | | | |
| Operating cash outflow for operating leases | $11,651 | | $18,153 | | $19,780 |
| Operating cash outflow for finance leases | 481 | | 369 | | — |
| Financing cash outflow for finance leases | 3,144 | | 1,333 | | — |
| Lease assets obtained in exchange for new lease liabilities: | | | | | |
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Table 69 after “Future lease payments under our non-cancellable leases as of September 30, 2025 were as follows:”
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| Operating Leases | Finance Leases | |
| (In thousands) | | |
| Fiscal 2026 | $11,214 | | $3,625 |
| Fiscal 2027 | 8,125 | | 3,625 |
| Fiscal 2028 | 5,576 | | 441 |
| Fiscal 2029 | 3,767 | | — |
| Fiscal 2030 | 1,917 | | — |
| Thereafter | 2,191 | | — |
First 8 of 11 rows. The CSV has all of them.
Table 70 after “Future minimum payments under our non-cancellable purchase obligations as of September 30, 2025 were as follows:”
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| Year Ending September 30, | (In thousands) |
| 2026 | $72,128 |
| 2027 | 19,437 |
| 2028 | 5,035 |
| 2029 | 2,375 |
| 2030 | 273 |
| Total | $99,248 |
Table 71 after “1. Consolidated Financial Statements:”
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| Reference Page Form 10-K |
| Report of independent registered public accounting firm (PCAOB ID: 34) | 51 |
| Consolidated balance sheets as of September 30, 2025 and 2024 | 54 |
| Consolidated statements of income and comprehensive income for the years ended September 30, 2025, 2024 and 2023 | 55 |
| Consolidated statements of stockholders’ deficit for the years ended September 30, 2025, 2024 and 2023 | 56 |
| Consolidated statements of cash flows for the years ended September 30, 2025, 2024 and 2023 | 57 |
| Notes to consolidated financial statements | 58 |
| ExhibitNumber | Description |
| 3.1 | Bylaws of Fair Isaac Corporation. (Incorporated by reference to Exhibit 3.1 to the Company’s Form 10-Q for the quarter ended December 31, 2009.) |
| 3.2* | Restated Certificate of Incorporation of Fair Isaac Corporation, dated November 5, 2025. |
| 3.3* | Certificate of Elimination of Series A Participating Preferred Stock of Fair Isaac Corporation. |
| 4.1 | Description of Securities of Registrant Registered Under Section 12 of the Securities Exchange Act of 1934. (Incorporated by reference to Exhibit 4.1 to the Company’s Form 10-K for the fiscal year ended September 30, 2019.) |
| 4.2 | Indenture, dated as of May 8, 2018, by and between the Company and U.S. Bank National Association, as trustee, which includes the form of 5.25% Senior Notes due 2026. (Incorporated by reference to Exhibit 4.1 to the Company’s Form 8-K filed on May 8, 2018.) |
| 4.3 | Indenture, dated as of December 6, 2019, by and between the Company and U.S. Bank National Association, as trustee, which includes the form of 4.00% Senior Notes due 2028. (Incorporated by reference to Exhibit 4.1 to the Company’s Form 8-K filed on December 6, 2019.) |
| 4.4 | Supplemental Indenture dated as of December 17, 2021 by and between the Company and U.S. Bank National Association, as trustee, which includes the form of 4.00% Senior Notes due 2028. (Incorporated by reference to Exhibit 4.2 to the Company’s Form 8-K filed December 17, 2021). |
First 8 of 21 rows. The CSV has all of them.
| 10.13 | Form of Director Non-Statutory Stock Option Agreement under the 2012 Long-Term Incentive Plan. (Incorporated by reference to Exhibit 10.1 to the Company’s Form 10-Q for the quarter ended March 31, 2017.) (1) |
| 10.14 | Fair Isaac Corporation 2019 Employee Stock Purchase Plan (Incorporated by reference to Exhibit 4.3 to the Company’s Registration Statement on Form S-8 filed March 4, 2019.) (1) |
| 10.15 | Letter Agreement dated August 26, 2020 by and between the Company and Thomas A. Bowers. (Incorporated by reference to Exhibit 10.59 to the Company’s Form 10-K for the fiscal year ended September 30, 2020.) (1) |
| 10.16 | Second Amended and Restated Credit Agreement among the Company, Wells Fargo Securities, LLC, as sole lead arranger and bookrunner, and Wells Fargo Bank, National Association, as administrative agent dated as of August 19, 2021 (Incorporated by reference to Exhibit 10.1 to the Company’s Form 8-K filed on August 19, 2021). |
| 10.17 | First Amendment to Second Amended and Restated Credit Agreement among the Company, the several banks and other financial institutions from time to time parties thereto, and Wells Fargo Bank, National Association, as administrative agent, dated as of October 20, 2021 (Incorporated by reference to Exhibit 10.1 to the Company’s Form 8-K filed on October 21, 2021). |
| 10.18 | Second Amendment to Second Amended and Restated Credit Agreement among the Company, the several banks and other financial institutions from time to time parties thereto, and Wells Fargo Bank, National Association, as administrative agent, dated as of November 3, 2022 (Incorporated by reference to Exhibit 10.1 to the Company’s Form 10-Q for the quarter ended December 31, 2022). |
| 10.19 | Third Amendment to Second Amended and Restated Credit Agreement among the Company, the several banks and other financial institutions from time to time parties thereto, and Wells Fargo Bank, National Association, as administrative agent, dated as of June 13, 2024 (Incorporated by reference to Exhibit 10.1 to the Company’s Form 8-K filed on June 14, 2024). |
| 10.20 | Third Amended and Restated Credit Agreement among the Company, the lenders party thereto, Wells Fargo Bank National Association, Wells Fargo Securities, LLC and BofA Securities, Inc., dated May 13, 2025. (Incorporated by reference to Exhibit 10.1 to the Company’s Form 8-K filed May 13, 2025.) |
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| 10.33 | Form of Executive Non-Statutory Stock Option Agreement (U.S.) under the 2021 Long-Term Incentive Plan (for Executive Vice Presidents and above) (Incorporated by reference to Exhibit 10.61 to the Company’s Form 10-K for the fiscal year ended September 30, 2023) (1). |
| 10.34 | Form of Executive Performance Share Unit Agreement under the 2021 Long-Term Incentive Plan (for Executive Vice Presidents and above) (Incorporated by reference to Exhibit 10.62 to the Company’s Form 10-K for the fiscal year ended September 30, 2023) (1). |
| 10.35 | Form of Executive Market Share Unit Agreement under the 2021 Long-Term Incentive Plan (for Executive Vice Presidents and above) (Incorporated by reference to Exhibit 10.63 to the Company’s Form 10-K for the fiscal year ended September 30, 2023) (1). |
| 10.36 | Letter Agreement, dated as of August 22, 2023, by and between the Company and Nikhil Behl (Incorporated by reference to Exhibit 10.64 to the Company’s Form 10-K for the fiscal year ended September 30, 2023) (1). |
| 10.37* | Fair Isaac Non-Qualified Deferred Compensation Plan (1). |
| 10.38* | Form of Executive Restricted Stock Unit Award Agreement (U.S.) under the 2021 Long-Term Incentive Plan (for Executive Vice Presidents and above) (1). |
| 10.39* | Form of Executive Non-Statutory Stock Option Agreement (U.S.) under the 2021 Long-Term Incentive Plan (for Executive Vice Presidents and above) (1). |
| 10.40* | Form of Executive Performance Share Unit Award Agreement under the 2021 Long-Term Incentive Plan (for Executive Vice Presidents and above) (1). |
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| /s/ WILLIAM J. LANSING | Chief Executive Officer (Principal Executive Officer) and Director | November 7, 2025 |
| William J. Lansing | | |
| /s/ STEVEN P. WEBER | Executive Vice President and Chief Financial Officer (Principal Financial Officer) | November 7, 2025 |
| Steven P. Weber | | |
| /s/ MICHAEL S. LEONARD | Vice President and Chief Accounting Officer (Principal Accounting Officer) | November 7, 2025 |
| Michael S. Leonard | | |
| /s/ FABIOLA R. ARREDONDO | Director | November 7, 2025 |
| Fabiola R. Arredondo | | |
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