Here are the 10-K annual reports from Fair Isaac Corporation (FICO) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow FICO and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FICO filings page.
Fair Isaac Corporation (FICO) reported fiscal 2026 revenue of $2.5 billion, up 27% from fiscal 2025. Scores revenue rose 41% to $1.7 billion, primarily on higher pricing and volume for mortgage origination scores, while Software revenue increased 7% to $882.651 million. Net income reached $835.0 million, up 28%; operating income was $1.3 billion, up 37%, and diluted EPS was $36.32, up 37%.
Software ARR was $850.9 million as of September 30, 2026, up 14%; FICO Platform products represented $452.6 million, or 53% of Software ARR, and platform ARR grew 72% year over year. Operating cash flow was $1.1 billion, compared with $778.8 million in fiscal 2025. FICO repurchased $3.1 billion of shares, including $1.5 billion under an accelerated share repurchase agreement. Total debt was $5.3 billion as of September 30, 2026, versus $3.1 billion as of September 30, 2025; cash and cash equivalents were $217.6 million as of September 30, 2026. Fourth-quarter restructuring charges were $27.3 million following elimination of approximately 15% of positions across the company.
Fair Isaac Corporation (FICO) filed its Annual Report on Form 10‑K. The company operates two segments: Scores (the widely used FICO Score for lenders and direct-to-consumer offerings) and Software (analytic and decisioning tools, including the modular FICO Platform delivered via SaaS or on‑premises).
FICO reported FICO Platform annual recurring revenue (ARR) of $263.6 million as of September 30, 2025, representing 35% of total software ARR. The business remains concentrated in financial services, which accounted for 92% of total revenue in fiscal 2025, with the Americas at 87% of revenue. Agreements with Experian, TransUnion and Equifax collectively represented 51% of total revenues in fiscal 2025.
As context, the aggregate market value of non‑affiliate holdings was $36,060,682,209 as of March 31, 2025. Shares outstanding were 23,709,047 on October 23, 2025. FICO reported 204 U.S. and 26 foreign patents with 79 applications pending, and employed 3,811 people across 28 countries at September 30, 2025.