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AI English summary of an SEC filing — figures as filed

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Fair Isaac said revenues for the quarter ended Q4 September 30, 2025 were $515.8 million, up 14% from $453.8 million in the prior year period. Net income for the quarter was $155.0 million, and diluted earnings per share were $6.42.

8-KResults of Operations and Financial ConditionFiled Period of report Summary published (UTC)

Key points

AI summary
  1. Fair Isaac said revenues for the quarter ended Q4 September 30, 2025 were $515.8 million, up 14% from $453.8 million in the prior year period. Net income for the quarter was $155.0 million, and diluted earnings per share were $6.42.

  2. The company said Scores revenues in Q4 were $311.6 million, up 25% from $249.2 million in the prior year period, and B2B revenue increased 29%. Fair Isaac cited higher mortgage origination scores unit price as a factor for B2B growth. Software revenues were $204.2 million, flat compared to $204.6 million in the prior year period.

  3. The company said restructuring charges in Q4 were $10.9 million pre-tax, or $0.34 per share after tax. Operating cash flow for the quarter was $223.7 million and free cash flow was $210.8 million, compared to $226.5 million and $219.4 million in the prior year period.

  4. Fair Isaac provided fiscal 2026 guidance of $2.35 billion in revenues, $795 million in GAAP net income, $33.47 in GAAP diluted earnings per share, $907 million in non-GAAP net income, and $38.17 in non-GAAP diluted earnings per share.

Summary

AI-written

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

Q4 revenues $515.8 million vs. $453.8 million in prior year

Fair Isaac said revenues for the quarter ended Q4 September 30, 2025 were $515.8 million, up 14% from $453.8 million in the prior year period. Net income for the quarter was $155.0 million, and diluted earnings per share were $6.42.

Source · Based on the filing body and exhibits

Scores revenues up 25%, Software revenues flat

The company said Scores revenues in Q4 were $311.6 million, up 25% from $249.2 million in the prior year period, and B2B revenue increased 29%. Fair Isaac cited higher mortgage origination scores unit price as a factor for B2B growth. Software revenues were $204.2 million, flat compared to $204.6 million in the prior year period.

Source · Based on the filing body and exhibits

Q4 restructuring charges and cash flow

The company said restructuring charges in Q4 were $10.9 million pre-tax, or $0.34 per share after tax. Operating cash flow for the quarter was $223.7 million and free cash flow was $210.8 million, compared to $226.5 million and $219.4 million in the prior year period.

Source · Based on the filing body and exhibits

Fiscal 2026 guidance

Fair Isaac provided fiscal 2026 guidance of $2.35 billion in revenues, $795 million in GAAP net income, $33.47 in GAAP diluted earnings per share, $907 million in non-GAAP net income, and $38.17 in non-GAAP diluted earnings per share.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

Source: SEC EDGAR (U.S. Securities and Exchange Commission). Item captions are the SEC's. The summary is for reference only and is not investment advice.