Fair Isaac (NYSE: FICO) lifts 2026 guidance after strong Q3 revenue of $674M

Rhea-AI Filing Summary

Fair Isaac Corporation reported strong results for its third fiscal quarter ended June 30, 2026, with revenue of $674.2 million, up 26% from $536.4 million a year earlier. GAAP net income was $237.2 million, or $10.45 per diluted share, versus $181.8 million, or $7.40, and non-GAAP EPS was $12.18 versus $8.57. Free cash flow reached $370.3 million compared with $276.2 million.

Scores revenue grew 41% to $458.9 million, led by a 49% increase in B2B scoring, while Software revenue rose 2% to $215.3 million. On June 30, 2026, Software Annual Recurring Revenue was up 10% year over year, including a 62% rise in platform ARR and a 17% decline in non-platform ARR; total Software Dollar-Based Net Retention Rate was 109%.

For fiscal 2026, the company raised guidance, targeting revenue of $2.53 billion, GAAP net income of $850 million and GAAP EPS of $36.86, with non-GAAP net income of $979 million and non-GAAP EPS of $42.43, all above its previous outlook.

Positive

• Revenue and earnings growth: Q3 fiscal 2026 revenue was $674.2 million, up 26%, with GAAP diluted EPS of $10.45 versus $7.40 and non-GAAP EPS of $12.18 versus $8.57, indicating substantially higher profitability year over year.
• Scores segment strength: Scores revenue rose to $458.9 million, a 41% increase, driven by a 49% jump in B2B scoring and 5% growth in B2C, highlighting strong demand for the company’s core scoring solutions.
• Robust cash generation: Q3 free cash flow was $370.3 million versus $276.2 million, and nine‑month free cash flow was $750.0 million, providing significant financial flexibility.
• Recurring software metrics: Software Annual Recurring Revenue grew 10% year over year, with platform ARR up 62% and total Software Dollar-Based Net Retention Rate at 109%, underscoring healthy expansion within existing customers.
• Raised full-year guidance: Fiscal 2026 revenue guidance increased from $2.45 billion to $2.53 billion, with GAAP EPS raised from $35.60 to $36.86 and non-GAAP EPS from $40.45 to $42.43, signaling improved expectations.

Negative

• Higher leverage and deficit: Long-term debt increased to $5,282,389 (in thousands) from 2,656,150 (in thousands) since September 30, 2025, and stockholders’ deficit widened to $(4,097,135) (in thousands), reflecting a more levered balance sheet.
• Large share repurchases: In the first nine months of fiscal 2026, the company repurchased common stock totaling $3,045,992 (in thousands), a substantial use of capital alongside increased borrowing.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Q3 2026 Revenue: $674.2 million Q3 2026 GAAP Net Income: $237.2 million Q3 2026 GAAP Diluted EPS: $10.45 +5 more

8 metrics

Q3 2026 Revenue $674.2 million Quarter ended June 30, 2026; up 26% from $536.4 million

Q3 2026 GAAP Net Income $237.2 million Quarter ended June 30, 2026; versus $181.8 million prior year

Q3 2026 GAAP Diluted EPS $10.45 Quarter ended June 30, 2026; versus $7.40 prior year

Q3 2026 Non-GAAP Diluted EPS $12.18 Quarter ended June 30, 2026; versus $8.57 prior year

Q3 2026 Free Cash Flow $370.3 million Quarter ended June 30, 2026; versus $276.2 million prior year

Updated 2026 Revenue Guidance $2.53 billion Fiscal 2026 revenue guidance raised from $2.45 billion

Long-Term Debt $5,282,389 (in thousands) Balance at June 30, 2026; up from 2,656,150 (in thousands) at September 30, 2025

Stock Repurchases (Nine Months 2026) $3,045,992 (in thousands) Repurchases of common stock in cash flow statement (in thousands)

Key Terms

Annual Recurring Revenue (ARR), Dollar-Based Net Retention Rate, free cash flow, Non-GAAP diluted earnings per share, +1 more

5 terms

Annual Recurring Revenue (ARR) financial

"On June 30, 2026, Software Annual Recurring Revenue (ARR) was up 10% year-over-year"

Annual Recurring Revenue (ARR) is the predictable amount of money a company expects to earn in a year from its ongoing services or subscriptions. It helps businesses understand their steady income stream, much like knowing how much rent they can count on each year, which is important for planning and growth.

Dollar-Based Net Retention Rate financial

"The total Software Dollar-Based Net Retention Rate was 109% on June 30, 2026"

Dollar-based net retention rate measures how much recurring revenue a company keeps and grows from its existing customers over a set period, after accounting for upgrades, downgrades, and churn. Think of it like checking whether a group of current customers are spending more, the same, or less this year compared with last year; investors use it as a thermometer for revenue health and the business’s ability to expand sales without finding new customers.

free cash flow financial

"Free cash flow was $370.3 million for the current quarter versus $276.2 million"

Free cash flow is the amount of money a company has left over after paying all its expenses and investing in its business, like buying equipment or updating facilities. It shows how much cash is available to reward shareholders, pay down debt, or save for future growth. This helps investors understand if a company is financially healthy and able to grow.

Non-GAAP diluted earnings per share financial

"Non-GAAP diluted earnings per share | $ | 12.18 | | | $ | 8.57"

Non-GAAP diluted earnings per share is a company’s per-share profit figure that starts with reported net income but then removes or alters certain items (like one-time charges, stock-based pay, or other adjustments) and divides by the number of shares after accounting for things that could dilute ownership. Investors use it as a “cleaned-up” measure to judge ongoing profit on a per-share basis, but because companies choose what to adjust, it can be more subjective than the standard GAAP metric—like comparing a regular bank statement to one that omits irregular expenses to show a steadier month-to-month picture.

share-based compensation expense financial

"Share-based compensation expense | 52,331 | | | 41,930"

Share-based compensation expense is the accounting cost a company records when it pays employees or executives with stock, stock options, or other equity instead of cash. It matters to investors because it reduces reported profits and can dilute existing owners’ stake over time — like a bakery paying workers with slices of cake instead of money, leaving fewer slices for original owners and changing each slice’s value.

Offering Details

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Offering

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FAQ

How did Fair Isaac (FICO) perform in its third fiscal quarter of 2026?

Fair Isaac reported Q3 2026 revenue of $674.2 million, up 26% year over year, with GAAP net income of $237.2 million. GAAP diluted EPS was $10.45 and non-GAAP EPS was $12.18, while free cash flow reached $370.3 million.

What drove Fair Isaac (FICO) revenue growth in Q3 fiscal 2026?

Growth was led by the Scores segment, where revenue rose to $458.9 million, a 41% increase. B2B scoring revenue increased 49%, mainly from higher mortgage origination scores pricing, and B2C scoring revenue grew 5% on higher royalties via credit reporting agencies.

What is Fair Isaac’s (FICO) updated fiscal 2026 guidance?

Updated 2026 guidance calls for revenue of $2.53 billion, GAAP net income of $850 million, and GAAP EPS of $36.86. Non-GAAP net income is guided to $979 million with non-GAAP EPS of $42.43, all higher than previous guidance.

How are Fair Isaac’s (FICO) Software ARR and retention metrics trending?

As of June 30, 2026, Software Annual Recurring Revenue was up 10% year over year, with platform ARR up 62% and non-platform ARR down 17%. Total Software Dollar-Based Net Retention Rate was 109%, including 148% for platform software.

What were Fair Isaac’s (FICO) cash flow and capital allocation highlights for 2026 year-to-date?

For the first nine months of fiscal 2026, Fair Isaac generated $777.9 million in operating cash flow and $750.0 million in free cash flow. The company repurchased $3,045,992 (in thousands) of common stock and issued $1,000,000 (in thousands) of senior notes.

How did Fair Isaac’s (FICO) Software segment revenue perform in Q3 2026?

Software revenue reached $215.3 million in Q3 fiscal 2026, up 2% from $212.1 million a year earlier. This segment includes analytics and digital decisioning technology and complements the faster-growing Scores business, contributing to overall revenue expansion.

What is the difference between Fair Isaac’s (FICO) GAAP and non-GAAP results?

In Q3 2026, GAAP diluted EPS was $10.45, while non-GAAP diluted EPS was $12.18. Non-GAAP metrics adjust for items such as share-based compensation expense, income tax adjustments, and excess tax benefits, and are reconciled to GAAP in the company’s financial tables.

0000814547false00008145472026-07-292026-07-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported) July 29, 2026

FAIR ISAAC CORPORATION

(Exact name of registrant as specified in its charter)

Delaware						1-11689			94-1499887
(State or other jurisdiction of incorporation)						(Commission  File Number)			(IRS Employer Identification Number)
5 West Mendenhall, Suite 105
Bozeman,			Montana						59715
(Address of principal executive offices)									(Zip Code)

Registrant’s telephone number, including area code 406-982-7276  

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $0.01 par value per share			FICO			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b‑2 of this chapter).

Emerging growth company ☐

    

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

TABLE OF CONTENTS

Item 2.02. Results of Operations and Financial Condition.

Item 9.01. Financial Statements and Exhibits.

                 Exhibit 99.1

Signature

Item 2.02. Results of Operations and Financial Condition.

On July 29, 2026, Fair Isaac Corporation (the “Company”) reported its financial results for the quarter ended June 30, 2026. See the Company’s press release dated July 29, 2026, which is furnished as Exhibit 99.1 hereto and incorporated by reference in this Item 2.02.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits.

Exhibit						Description
99.1						Press Release dated July 29, 2026
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

						FAIR ISAAC CORPORATION
						By:			/s/ STEVEN P. WEBER
									Steven P. Weber
									Executive Vice President and Chief Financial Officer
Date:			July 29, 2026

Exhibit 99.1

FICO Announces Earnings of $10.45 per Share

for Third Quarter Fiscal 2026

Revenue of $674 million vs. $536 million in prior year

BOZEMAN, Mont.--(BUSINESS WIRE)--July 29, 2026--FICO (NYSE:FICO), a global analytics software leader, today announced results for its third fiscal quarter ended June 30,2026.

Third Quarter Fiscal 2026 GAAP Results

Net income for the quarter totaled $237.2 million, or $10.45 per share, versus $181.8 million, or $7.40 per share, in the prior year period.

Net cash provided by operating activities for the quarter was $380.4 million versus $286.2 million in the prior year period.

Third Quarter Fiscal 2026 Non-GAAP Results

Non-GAAP Net Income for the quarter was $276.6 million versus $210.6 million in the prior year period. Non-GAAP EPS for the quarter was $12.18 versus $8.57 in the prior year period. Free cash flow was $370.3 million for the current quarter versus $276.2 million in the prior year period. The Non-GAAP financial measures are described in the financial table captioned “Non-GAAP Results” and are reconciled to the corresponding GAAP results in the financial tables at the end of this release.

Third Quarter Fiscal 2026 GAAP Revenue

The company reported revenues of $674.2 million for the quarter as compared to $536.4 million reported in the prior year period, an increase of 26%.

“We delivered another quarter of strong performance, driven by the successful execution of our strategic priorities,” said Will Lansing, chief executive officer. “We are pleased to announce that we are raising our full year guidance.”

Revenues for the third quarter of fiscal 2026 for the company’s two operating segments were as follows:

•Scores revenues, which include the company’s business-to-business (B2B) scoring solutions, and business-to-consumer (B2C) solutions, were $458.9 million in the third quarter, compared to $324.3 million in the prior year period, an increase of 41%. B2B revenue increased 49%, primarily attributable to a higher mortgage origination scores unit price. B2C revenue increased 5% from the prior year period, primarily due to increased royalties derived from scores sold indirectly to consumers through credit reporting agencies.

•Software revenues, which include the company’s analytics and digital decisioning technology, were up 2% year-over-year with $215.3 million in the third quarter, compared to $212.1 million in the prior year period. On June 30, 2026, Software Annual Recurring Revenue (ARR) was up 10% year-over-year, consisting of a 62% increase in platform ARR and a 17% decline in non-platform ARR. The total Software Dollar-Based Net Retention Rate was 109% on June 30, 2026, with platform software at 148% and non-platform software at 82%.

Outlook

The company is updating its previously provided guidance for fiscal 2026:

			Previous Fiscal 2026 Guidance			Updated Fiscal 2026 Guidance
Revenues			$2.45 billion			$2.53 billion
GAAP Net Income			$825 million			$850 million
GAAP EPS			$35.60			$36.86
Non-GAAP Net Income			$946 million			$979 million
Non-GAAP EPS			$40.45			$42.43

The Non-GAAP financial measures are described in the financial table captioned “Reconciliation of Non-GAAP Guidance.”

Company to Host Conference Call    

The company will host a webcast on July 29, 2026, at 5:00 p.m. Eastern Time (2:00 p.m. Pacific Time) to report its third quarter fiscal 2026 results and provide various strategic and operational updates. The call can be accessed at FICO’s web site at www.fico.com/investors. A replay of the webcast will be available on our Past Events page through July 29, 2027.

About FICO

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.

Learn more at https://www.fico.com/en

Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/

For FICO news and media resources, visit https://www.fico.com/en/newsroom

FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.

Statement Concerning Forward-Looking Information

Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the impact of macroeconomic conditions on FICO’s business, operations and personnel, the success of the Company’s business strategies, the maintenance of its existing relationships and ability to create new relationships with customers, distributors and other business partners, its ability to continue to develop new and enhanced products and services and to enter new markets, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use or costs of consumer credit and other data, the failure to protect such data, the failure to realize the anticipated benefits of any acquisitions or divestitures, and material adverse developments or uncertainty in global economic conditions or in the markets or industries that the Company serves. Additional information on these risks and uncertainties and other factors that could affect FICO’s future results are described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2025 and its subsequent filings with the SEC. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. Investors are cautioned not to place undue reliance on any such forward-looking statements, which speak only as of the date they are made. FICO disclaims any intent or obligation to update these forward-looking statements, whether as a result of new information, future events or otherwise.

FAIR ISAAC CORPORATION

CONDENSED CONSOLIDATED BALANCE SHEETS

(Unaudited)

			June 30, 2026						September 30, 2025
			(In thousands)
Assets
Current assets:
Cash and cash equivalents			$	248,444					$	134,136
Accounts receivable, net			592,530						529,148
Prepaid expenses and other current assets			40,589						41,881
Total current assets			881,563						705,165
Marketable securities			56,093						54,625
Property and equipment, net			90,988						67,713
Operating lease right-of-use assets			23,087						26,213
Goodwill			791,815						783,340
Other assets			193,827						231,077
Total assets			$	2,037,373					$	1,868,133
Liabilities and Stockholders’ Deficit
Current liabilities:
Accounts payable and other accrued liabilities			$	128,904					$	146,933
Accrued compensation and employee benefits			110,863						115,369
Deferred revenue			205,424						187,372
Current maturities on debt			300,000						399,541
Total current liabilities			745,191						849,215
Long-term debt			5,282,389						2,656,150
Operating lease liabilities			15,621						19,187
Other liabilities			91,307						89,365
Total liabilities			6,134,508						3,613,917
Stockholders’ deficit			(4,097,135)						(1,745,784)
Total liabilities and stockholders’ deficit			$	2,037,373					$	1,868,133

FAIR ISAAC CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

			Quarter Ended June 30,												Nine Months Ended June 30,
			2026						2025						2026						2025
			(In thousands, except per share data)
Revenues:
On-premises and SaaS software			$	196,969					$	187,915					$	584,421					$	557,752
Professional services			18,322						24,191						54,999						60,343
Scores			458,897						324,309						1,238,404						857,023
Total revenues			674,188						536,415						1,877,824						1,475,118
Operating expenses:
Cost of revenues			87,017						87,571						265,477						262,546
Research and development			53,708						47,212						157,536						137,394
Selling, general and administrative			170,835						139,114						455,669						387,484
Total operating expenses			311,560						273,897						878,682						787,424
Operating income			362,628						262,518						999,142						687,694
Other expense, net			(47,969)						(25,527)						(136,523)						(87,558)
Income before income taxes			314,659						236,991						862,619						600,136
Provision for income taxes			77,487						55,202						202,616						103,204
Net income			$	237,172					$	181,789					$	660,003					$	496,932
Earnings per share:
Basic			$	10.46					$	7.49					$	28.28					$	20.41
Diluted			$	10.45					$	7.40					$	28.12					$	20.12
Shares used in computing earnings per share:
Basic			22,670						24,284						23,341						24,350
Diluted			22,703						24,575						23,470						24,696

FAIR ISAAC CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

			Nine Months Ended June 30,
			2026						2025
			(In thousands)
Cash flows from operating activities:
Net income			$	660,003					$	496,932
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization			12,123						10,931
Share-based compensation			141,910						124,288
Changes in operating assets and liabilities			(66,268)						(64,961)
Other, net			30,112						(12,052)
Net cash provided by operating activities			777,880						555,138
Cash flows from investing activities:
Purchases of property and equipment			(1,355)						(4,751)
Capitalized internal-use software costs			(26,491)						(21,831)
Net activity from marketable securities			1,380						(3,808)
Other, net			(12,810)						—
Net cash used in investing activities			(39,276)						(30,390)
Cash flows from financing activities:
Proceeds from revolving line of credit and term loans			2,950,000						450,000
Payments on revolving line of credit and term loans			(1,015,000)						(1,368,750)
Proceeds from issuance of senior notes			1,000,000						1,500,000
Payments on senior notes			(400,000)						—
Proceeds from issuance of treasury stock under employee stock plans			14,935						21,908
Taxes paid related to net share settlement of equity awards			(111,275)						(203,188)
Repurchases of common stock			(3,045,992)						(866,520)
Other, net			(15,013)						(20,242)
Net cash used in financing activities			(622,345)						(486,792)
Effect of exchange rate changes on cash			(1,951)						426
Increase in cash and cash equivalents			114,308						38,382
Cash and cash equivalents, beginning of period			134,136						150,667
Cash and cash equivalents, end of period			$	248,444					$	189,049

FAIR ISAAC CORPORATION

NON-GAAP RESULTS

(Unaudited)

			Quarter Ended June 30,												Nine Months Ended June 30,
			2026						2025						2026						2025
			(In thousands, except per share data)
GAAP net income			$	237,172					$	181,789					$	660,003					$	496,932
Share-based compensation expense			52,331						41,930						141,910						124,288
Income tax adjustments			(13,434)						(10,332)						(36,521)						(30,560)
Excess tax benefit			537						(2,836)						(16,372)						(43,630)
Non-GAAP net income			$	276,606					$	210,551					$	749,020					$	547,030
GAAP diluted earnings per share			$	10.45					$	7.40					$	28.12					$	20.12
Share-based compensation expense			2.31						1.71						6.05						5.03
Income tax adjustments			(0.59)						(0.42)						(1.56)						(1.24)
Excess tax benefit			0.02						(0.12)						(0.70)						(1.77)
Non-GAAP diluted earnings per share			$	12.18					$	8.57					$	31.91					$	22.15
Free cash flow
Net cash provided by operating activities			$	380,440					$	286,223					$	777,880					$	555,138
Capital expenditures			(10,097)						(9,984)						(27,845)						(26,582)
Free cash flow			$	370,343					$	276,239					$	750,035					$	528,556

Note: The numbers may not sum to total due to rounding.

About Non-GAAP Financial Measures

To supplement the consolidated GAAP financial statements, the company uses the following non-GAAP financial measures: non-GAAP net income, non-GAAP EPS, and free cash flow. Non-GAAP net income and non-GAAP EPS exclude, to the extent applicable, such items as the impact of amortization expense, share-based compensation expense, restructuring and acquisition-related, excess tax benefit, and adjustment to tax valuation allowance items. Free cash flow excludes capital expenditures. The presentation of these financial measures is not intended to be considered in isolation or as a substitute for, or superior to, the financial information prepared and presented in accordance with GAAP.

Management uses these non-GAAP financial measures for financial and operational decision-making and as a means to evaluate period-to-period comparisons. Our management believes these non-GAAP financial measures provide meaningful supplemental information regarding our performance and liquidity by excluding certain items that may not be indicative of recurring business results including significant non-cash expenses. We believe management and investors benefit from referring to these non-GAAP financial measures in assessing our performance when planning, forecasting and analyzing future periods. These non-GAAP financial measures also facilitate management’s internal comparisons to historical performance and liquidity as well as comparisons to our competitors’ operating results. We believe these non-GAAP financial measures are useful to investors because they allow for greater transparency with respect to key measures used by management in its financial and operating decision-making.

FAIR ISAAC CORPORATION

RECONCILIATION OF NON-GAAP GUIDANCE

(Unaudited)

						Previous Fiscal 2026 Guidance						Updated Fiscal 2026 Guidance
						(In millions, except per share data)
GAAP net income						$	825					$	850
Share-based compensation expense						185						188
Income tax adjustments						(45)						(46)
Excess tax benefit						(19)						(13)
Non-GAAP net income						$	946					$	979
GAAP diluted earnings per share						$	35.60					$	36.86
Share-based compensation expense						7.44						8.15
Income tax adjustments						(1.83)						(2.00)
Excess tax benefit						(0.76)						(0.59)
Non-GAAP diluted earnings per share						$	40.45					$	42.43

Note: The numbers may not sum to total due to rounding.

About Non-GAAP Financial Measures

To supplement the consolidated GAAP financial statements, the company uses the following non-GAAP financial measures: non-GAAP net income, non-GAAP EPS, and free cash flow. Non-GAAP net income and non-GAAP EPS exclude, to the extent applicable, such items as the impact of amortization expense, share-based compensation expense, restructuring and acquisition-related, excess tax benefit, and adjustment to tax valuation allowance items. Free cash flow excludes capital expenditures. The presentation of these financial measures is not intended to be considered in isolation or as a substitute for, or superior to, the financial information prepared and presented in accordance with GAAP.

Management uses these non-GAAP financial measures for financial and operational decision-making and as a means to evaluate period-to-period comparisons. Our management believes these non-GAAP financial measures provide meaningful supplemental information regarding our performance and liquidity by excluding certain items that may not be indicative of recurring business results including significant non-cash expenses. We believe management and investors benefit from referring to these non-GAAP financial measures in assessing our performance when planning, forecasting and analyzing future periods. These non-GAAP financial measures also facilitate management’s internal comparisons to historical performance and liquidity as well as comparisons to our competitors’ operating results. We believe these non-GAAP financial measures are useful to investors because they allow for greater transparency with respect to key measures used by management in its financial and operating decision-making.

Contacts

Investors/Analysts:

Dave Singleton

Fair Isaac Corporation

(800) 459-7125

investor@fico.com

Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99.1 EX-99.1 Q3-26 185.5 KB

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