FICOFair Isaac

Technology · Business Services · NYSE

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

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The biggest changes in the 10-K filed 2026-11-06, this fiscal year against the last, and the sentences in the MD&A (Item 7) where management explains them, quoted word for word. Tickdelta picks sentences that name the line, a direction and a cause. It does not write explanations of its own.

Cash from operations

+37.7% Big change FY to 2026-09-30 vs 2025-09-30

The MD&A has no sentence that names a cause for this change. That can be worth a question: ask about the filing.

Operating margin

46.5% → 49.9% (+3.5 pts) Big change FY to 2026-09-30 vs 2025-09-30

“The fiscal 2026 over 2025 increase in research and development expenses of $21.0 million was primarily attributable to a $21.9 million increase in infrastructure and facilities costs and a $4.8 million increase in personnel and labor costs, partially offset by a $5.7 million decrease in outside services and other costs.”
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“The fiscal 2026 over 2025 increase in selling, general and administrative expenses of $168.1 million was primarily attributable to a $68.3 million increase in personnel and labor costs, a $68.0 million increase in outside services costs, and a $31.8 million increase in marketing and other costs.”
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Net income

+28.1% Big change FY to 2026-09-30 vs 2025-09-30

“Other income, net consists primarily of unrealized investment gains/losses and realized gains/losses on marketable securities classified as trading securities, exchange rate gains/losses resulting from remeasurement of foreign-currency-denominated receivables and cash balances held by our various reporting entities into their respective functional currencies at period-end market rates, net of the impact of offsetting foreign currency forward contracts, and other non-operating items.”
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“The increase in our effective tax rate in fiscal 2026 compared to fiscal 2025 was due to a decrease in excess tax benefits related to share-based compensation.”
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Revenue

+27.3% Big change FY to 2026-09-30 vs 2025-09-30

“Scores segment revenues increased $483.6 million in fiscal 2026 from 2025 due to an increase of $473.6 million in our business-to-business scores revenue and an increase of $10.0 million in our business-to-consumer scores revenue.”
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“Software segment revenues increased $60.4 million in fiscal 2026 from 2025 due to a $68.0 million increase in our on-premises and SaaS software revenue, partially offset by a $7.6 million decrease in our professional services revenue.”
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Changes are computed from the XBRL figures in the same 10-K. Hover a number to see the line item. Open the 10-K ↗

Work on FICO in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/FICO/export.csv") into a cell.