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Screener / SEC EDGAR /CIK 0000814547 /10-K filed Nov 6, 2026, compared with Nov 7, 2025 /Numbers from the XBRL of the 10-Ks
Technology peers:
PTCFICOVRSNFFIVMPWRTYL
NYSE Technology · Business Services

Fair Isaac FICO

FICO quote by TradingView

Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the “Company,” which may also be referred to in this report as “we,” “us,” “our,” and “FICO”) is a global analytics software leader. 10-K, Item 1

Headquarters
Bozeman, MT
CEO
William J. Lansing
Next results
around Jan 27, 2027
Compare with peers Embed

Where each dollar of revenue went, FY2026

Revenue of $2.5B through the costs to a net profit of $835.0M · income statement of the 10-K

50% operating margin
Revenue to Gross profit: $2.2BRevenue to Cost of revenue: $351.5MGross profit to Operating profit: $1.3BGross profit to Operating expenses: $917.7MOperating profit to Net profit: $835.0MOperating profit to Tax & other: $430.7MOperating expenses to R&D: $209.3MOperating expenses to Sales, admin & other: $708.4M Revenue: $2.5B REVENUE $2.5B +27% Y/Y Gross profit: $2.2B · 86% margin GROSS PROFIT $2.2B 86% margin Cost of revenue: $351.5M · 14% of revenue COST OF REVENUE $351.5M 14% of revenue Operating profit: $1.3B · 50% margin OPERATING PROFIT $1.3B 50% margin · +37% Y/Y Operating expenses: $917.7M · 36% of revenue OPERATING EXPENSES $917.7M 36% of revenue Net profit: $835.0M · 33% margin NET PROFIT $835.0M 33% margin · +28% Y/Y Tax & other: $430.7M · 17% of revenue TAX & OTHER $430.7M 17% of revenue R&D: $209.3M · 8% of revenue R&D $209.3M 8% of revenue Sales, admin & other: $708.4M · 28% of revenue SALES, ADMIN & OTHER $708.4M 28% of revenue
Gross profit $2.2B 86% margin
Operating profit $1.3B 50% margin · +37% Y/Y
Net profit $835.0M 33% margin · +28% Y/Y
The full income statement, year by year

FICO among Technology peers

Six ratios from the latest 10-K. Each corner is the share of 74 peers the company is above, not a score.

Compare
Revenue growth: 27.3%, above 82% of 74 peers (their median 14.0%) REVENUE GROWTH 27.3% · above 82% Gross margin: 86.1%, above 96% of 67 peers (their median 56.4%) GROSS MARGIN 86.1% · above 96% Operating margin: 49.9%, above 94% of 70 peers (their median 22.2%) OPERATING MARGIN 49.9% · above 94% Net margin: 32.9%, above 82% of 74 peers (their median 18.9%) NET MARGIN 32.9% · above 82% FCF margin: 42.2%, above 93% of 70 peers (their median 22.3%) FCF MARGIN 42.2% · above 93%
FICO Peer median Below the median

What changed

10 new risk paragraphs. 10-K filed Nov 6, 2026 against Nov 7, 2025.

Risk factors
10 new paragraphs, nothing like them in the previous 10-K
10-K Item 1A
Accounting checks
10 other checks clear
10-K · XBRL
Insiders
1 open-market buy in the last 90 days
Form 4
Filings
3 in the last 30 days
EDGAR

Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.

Accounting checks

10 checks on the latest 10-K. Checks, not verdicts.

How it works

0facts worth reading about all 10 checks found nothing to note

  • Receivables +13.9% vs revenue +27.3% (-13.4 pts)
  • Cash from operations $1.1B vs net income $835.0M (FY ending Sep 30, 2026)
  • Same auditor in both 10-Ks: Deloitte & Touche LLP
7 more checks with nothing to note
  • No statement of substantial doubt about going concern
  • No 8-K item 4.02 in the last 2 years
  • No NT 10-K or NT 10-Q in the last 2 years
  • The same matters as last year: Revenue Recognition - Contracts with Customers
  • No sentence in the 10-K concludes that controls were not effective because of a material weakness
  • No 8-K item 2.06 in the last 2 years
  • No 8-K item 1.03 in the last 2 years

In their words

10 paragraphs in Risk Factors that were not in the 10-K filed Nov 7, 2025. Quoted as filed.

All 10 new paragraphs
  1. Item 1A · new paragraph · not in the 10-K filed Nov 7, 2025 10-K, ITEM 1A
    Our ability to increase our revenue depends, in part, on our ability to successfully develop and introduce new products and services, enhance and improve our existing offerings, and expand into new markets. If we are unable to successfully develop and commercialize new, enhanced, or improved products and services, or if the marketplace…
  2. Item 1A · new paragraph · not in the 10-K filed Nov 7, 2025 10-K, ITEM 1A
    We expect competition from both established and emerging companies to continue to increase. This competition may include our customers developing their own scoring models or other products, including through the use of AI-based offerings, which could eliminate or reduce their purchases of our products and services. For example, our…
  3. Item 1A · new paragraph · not in the 10-K filed Nov 7, 2025 10-K, ITEM 1A
    Our business relies on third-party technologies and service providers throughout the product lifecycle, from development to deployment to customers. In addition, we rely on distributors, resellers, or partners to market and distribute our products and we expect to continue expanding these relationships. We have recently expanded certain…
  4. Item 1A · new paragraph · not in the 10-K filed Nov 7, 2025 10-K, ITEM 1A
    In addition, due to our increasing reliance on third-party technology associated with our product development lifecycle, the failure of these relationships to have the results we expect or desire could have a material adverse effect on our business, operating results, and financial condition. Our strategic partnerships and other…

New risk paragraphs, against peers

Latest 10-K of each, Technology companies closest in revenue

Paragraphs in Risk Factors with nothing like them in the company's 10-K the year before. A count of text, not of risk.

Financial performance

Last 4 fiscal years · 10-K XBRL

All years
MetricFY2023FY2024FY2025FY2026
Revenue$1.5B$1.7B$2.0B$2.5B
Net income$429.4M$512.8M$651.9M$835.0M
Operating cash flow$468.9M$633.0M$778.8M$1.1B
Free cash flow$464.7M$624.1M$769.9M$1.1B

Revenue, FY2017 to FY2026

Ten fiscal years, each from its own 10-K · XBRL · USD

$2.5B ▲ 27.3% in FY2026

FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Every number, year by year

Recent filings

3 filings in the last 30 days · SEC EDGAR

All filings
New risks10 new paragraphs in Risk Factors in the new 10-K

About the company

Fair Isaac, Bozeman, MT · from the 10-K filed Nov 6, 2026

Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the “Company,” which may also be referred to in this report as “we,” “us,” “our,” and “FICO”) is a global analytics software leader. We were founded in 1956 on the premise that data, used intelligently, can improve business decisions. Today, FICO’s software and the widely used FICO® Score operationalize analytics, enabling thousands of businesses in more than 70 countries to uncover new opportunities, make timely decisions that matter, and execute them at scale.

Headquarters
Bozeman, MT
Country
United States
Reports in
USD
Listed on
NYSE
Fiscal year ends
September 30
Last results
Nov 4, 2026
Incorporated in
DE

Email alerts

Sources

The 10-K filed Nov 6, 2026 (open at SEC), compared with the 10-K filed Nov 7, 2025. Numbers from the XBRL of the 10-Ks; filings from SEC EDGAR.

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