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- **Revenue Growth**: Q1 2026 revenue up 16% YoY to $512M, driven by 29% Scores segment growth and record software bookings. 
- **Innovation Momentum**: FICO Score 10T for Direct Licensing launching mid-2026, UltraFICO Score with Plaid for real-time cash flow data. 
- **Financial Strength**: Non-GAAP EPS of $7.33 (27% YoY growth), 54% operating margin, $165M free cash flow. 
- **Software Expansion**: Platform ARR up 33% YoY, 122% platform NRR, and 36% YoY growth in trailing 12-month bookings. 
- **Strategic Wins**: 5 major resellers in Direct Licensing testing, 51% of lenders in FICO 10T Adopter Program, and $377B in originations.

**【CEO Summary Section】**
- Q1 2026 revenue reached $512 million, up 16% YoY, driven by 29% growth in the Scores segment ($305 million) and 2% growth in the Software segment ($207 million). 
- Scores segment growth fueled by B2B Scores (36% YoY) and B2C Scores (5% YoY), with mortgage originations up 60% YoY. 
- Launched FICO Score 10T for Direct Licensing in both conforming and nonconforming markets by mid-2026, and expanded UltraFICO Score partnership with Plaid for real-time cash flow data integration. 
- Software segment bookings hit a record $38 million Q1, with platform ARR growing 33% YoY to $303 million. 
- Returned $163 million to shareholders via share buybacks, maintaining strong free cash flow of $165 million.

**【CFO Financial Commentary】**
- GAAP net income: $158 million (4% YoY growth), non-GAAP net income: $176 million (22% YoY growth). 
- Non-GAAP EPS: $7.33 (27% YoY growth), exceeding expectations. 
- Operating margin expanded 432 bps YoY to 54%, driven by cost control and platform efficiency. 
- Total ARR: $766 million (5% YoY growth), with platform ARR at 40% of total. 
- Software segment SaaS revenue grew 12%, offsetting 12% decline in on-premises revenue. 
- Platform NRR: 122%, non-platform NRR: 91%, reflecting strong customer retention in modernized solutions.

**【Q&A Highlights】**
- **FICO 10T Adoption**: 51% of lenders in the Adopter Program represent $377B in annual originations. Conforming market approval timeline uncertain, but nonconforming adoption is accelerating. 
- **Direct Licensing Program**: 5 major resellers (Xactus, Cotality, Ascend, CIC, MeridianLink) in advanced testing, with live launches expected soon. 
- **Software Growth**: Platform bookings up 36% YoY on a trailing 12-month basis, with multi-use case adoption at 150+ customers. 
- **Market Risks**: Mortgage volumes sensitive to interest rates; card APR cap proposals could shift lending to FICO-dependent alternatives. 
- **Guidance**: Reaffirmed FY26 guidance, citing macroeconomic uncertainty but confidence in exceeding targets.

Fair Isaac Corporation (FICO) Q1 2026 Earnings Call Transcript

- **Revenue Growth**: Q4 2025 revenue up 14% YoY to $516M, FY25 total $1.991B (+16% YoY). Scores segment drove 27% FY25 growth. 
- **AI Innovation Lead**: FICO FFM delivers 35%+ fraud detection improvement. FICO 10T adoption by 40+ lenders ($316B+ originations). 
- **Mortgage Cost Revolution**: Direct license program offers 50% cost reduction via $4.95/per score model. 
- **Financial Strength**: FY25 free cash flow $739M (+22% YoY). FY26 guidance: revenue +18%, non-GAAP EPS +28%. 
- **Strategic Momentum**: Platform ARR +16% YoY, ACV bookings highest in 6 years. Dollar-based NRR 102%.

**【CEO Summary Section】**
- **Revenue Growth**: Q4 2025 revenue of $516 million (+14% YoY), FY25 total of $1.991 billion (+16% YoY). Software segment revenue flat YoY, driven by 17% platform growth and 7% decline in legacy products. Scores segment up 25% Q4, FY25 total $1.169 billion (+27% YoY). 
- **Product Innovations**: Launched FICO Focused Foundation Model (FFM) for financial services, delivering 35%+ lift in fraud detection accuracy vs. conventional AI. Announced FICO 10T adoption by 40+ lenders ($316B+ annual originations). 
- **Mortgage Strategy**: Launched direct license program with Xactus, offering $4.95/per score performance model (50% cost reduction) and $10/per score legacy model. 
- **Market Positioning**: FICO scores used by 90% of U.S. lenders, outperforming VantageScore 4 in predictive accuracy. FICO 10T identified 18% more defaulters in critical mortgage decile vs. classic FICO. 

**【CFO Financial Commentary】**
- **Financial Highlights**: GAAP net income $155M (+14% YoY), non-GAAP EPS $7.74 (+18% YoY). FY25 free cash flow $739M (+22% YoY). 
- **Software Metrics**: Total ARR $747M (+4% YoY), platform ARR $263M (+16% YoY). Dollar-based NRR 102%, ACV bookings $32.7M Q4 (highest quarterly level). 
- **FY26 Guidance**: Revenue $2.35B (+18%), GAAP EPS $33.47 (+26%), non-GAAP EPS $38.17 (+28%).保守假设宏观环境无改善，不考虑市场份额流失。 
- **Expense Management**: Operating expenses $1.066B FY25 (+8% YoY). Non-GAAP margin 55% FY25 (vs. 52% FY24). 

**【Q&A Highlights】**
- **FHFA Engagement**: CEO Will Lansing noted constructive dialogue with FHFA on increasing competition via direct distribution. FICO 10T approval with GSEs expected but timing TBD. 
- **Pricing Model Feedback**: Resellers prefer performance model for cost savings, but 90%+ mortgage volume resellers engaged in direct program. Lenders testing FICO 10T vs. VantageScore 4 simultaneously. 
- **ARR Conversion**: CFO Steve Weber expects Q1 2026 ARR acceleration from FY25 ACV bookings ($102M annualized). 
- **Market Share Confidence**: Despite VantageScore 4 claims of broader coverage, FICO scores remain most predictive through economic cycles. FICO 10T adoption in nonconforming market validates long-term strategy.

Fair Isaac Corporation (FICO) Q4 2025 Earnings Call Transcript

- **Revenue Growth**: Q3 up 20% YoY to $536M, driven by 34% Scores segment growth and 4% Software ARR expansion. 
- **Innovation Leadership**: Launched FICO Score 10 T BNPL and Mortgage Simulator, with FICO 10 T adoption covering $313B in mortgage originations. 
- **Financial Strength**: Record $276M free cash flow, $0.5B share buybacks, and 37% non-GAAP EPS growth to $8.57. 
- **Market Dominance**: >95% market share in credit card, auto, and personal loans; FICO 10 T outperforms VantageScore 4.0. 
- **Strategic Focus**: Platform ARR growth (18% YoY) and 103% net retention rate highlight software momentum.

**【CEO Summary Section】**
- Q3 revenue of $536 million, up 20% YoY, driven by Scores segment growth (34% YoY) and Software ARR expansion (4% YoY). 
- Scores segment highlights: 
  - FICO Score 10 T BNPL launched, integrating Buy Now, Pay Later data into credit scoring. 
  - FICO Score Mortgage Simulator adoption growing with hundreds of lenders and thousands of orders. 
  - FICO Platform ARR reached $254 million (18% YoY growth). 
- Software segment: Platform land-and-expand strategy yields 103% net retention rate. 
- Record free cash flow of $276 million (34% YoY increase) and $0.5 billion in share buybacks, largest quarterly repurchase in company history. 
- Raised FY25 guidance to $1.98 billion revenue, $29.15 non-GAAP EPS. 

**【CFO Financial Commentary】**
- GAAP net income: $182 million (44% YoY), non-GAAP net income: $211 million (35% YoY). 
- Non-GAAP EPS: $8.57 (37% YoY), exceeding expectations. 
- Operating expenses: $274 million (8% QoQ increase due to FICO World event and headcount). 
- Free cash flow: $276 million (34% YoY), trailing 12-month total $748 million. 
- Debt: $2.78 billion (5.25% weighted average rate), 100% fixed-rate. 
- Cash and investments: $240 million. 

**【Q&A Key Highlights】**
- **FICO 10 T Adoption**: 30+ lenders using FICO 10 T for underwriting, loan production, and servicing; adoption represents $313B in mortgage originations. 
- **VantageScore Competition**: FICO maintains >95% market share in credit card, auto, and personal loan scores; FICO 10 T outperforms VantageScore 4.0 in FHFA analysis. 
- **FHFA Lender Choice Rule**: Industry concerns over "race to the bottom" in credit risk; FICO 10 T's superior predictiveness expected to limit share shift. 
- **Software Growth**: Platform ARR growth driven by new use cases (e.g., fraud detection) and expanded customer usage. 
- **Capital Allocation**: Share buybacks remain top priority; FY25 free cash flow expected to drive continued repurchases.

Fair Isaac Corporation (FICO) Q3 2025 Earnings Call Transcript

- **Revenue up 15% YoY to $499 million, driven by 25% Scores segment growth and 17% Platform ARR expansion.
- **Profitability**: Non-GAAP EPS of $7.81 (+27% YoY), with operating margin improving 450 bps to 58%.
- **Software Momentum**: Platform NRR of 110% vs. 96% for non-platform, despite macro-driven CCS usage decline.
- **Strategic Initiatives**: FICO Score 10 T adoption covers $284B in mortgages, Kenya-specific score launch, and dacadoo partnership for AI-powered insurance solutions.
- **Cash Flow & Capital Return**: $677M trailing free cash flow, $193M in share buybacks, and 51% fixed-rate debt cushioning against interest rate volatility.

**【CEO Summary Section】**
- Q2 2025 revenue reached $499 million, up 15% YoY, driven by ($297 million) and 2% growth in Software segment ($202 25% growth in Scores segment million). Mortgage originations in Scores grew 48% YoY, accounting for 44% of total Scores revenue.
- Software ARR was $715 million (+3% YoY), with Platform ARR at was  $235 million (+17% YoY). Platform NRR110%, while non-platform NRR was 96%.
- Key initiatives include FICO Score 10 T adoption (covering $284 billion in annualized mortgage originations), partnerships with Fujitsu and dacadoo, and the Kenya-specific FICO score launch.

**【CFO Financial Commentary】**
- GAAP net income: $163 million (+25% YoY); Non-GAAP EPS: $7.81 (+27% YoY). Free cash flow: $65 million (+6% YoY), with trailing 12-month free cash flow at $677 million (+45% YoY).
- Operating expenses: $253 million (-3% QoQ), with non-GAAP operating margin at 58% (+450 bps YoY). Share buybacks: 112,000 shares ($1.849M) returned to shareholders.
- Debt: $2.53 billion (51% fixed-rate); effective tax rate: 23.7% for Q2, with full-year guidance of 22%.

**【Q&A Highlights】**
- **Revenue Drivers**: Mortgage originations growth (48% YoY) offset slower auto and credit card origination revenues. Pricing increases (e.g., auto) are being feathered into results.
- **Software Challenges**: Non-platform CCS usage declined due to macroeconomic conservatism, though platform ARR growth remained Confidence**:. to increase.
- **Guidance Despite macro uncertainty, management reiterates FY2 Q3 professional services revenue expected strong5 guidance, citing healthy pipeline and strategic importance of FICO platform to customers.
- **FICO World Event**: Expected to boost sales pipeline through customer-driven showcases of FICO platform capabilities, with updates on FICO Growth**: Q2 revenue Score 11 and AI innovations.

Fair Isaac (FICO)-29 Apr 25-2025 Q2 Earnings call transcript

- **Revenue Growth**: 15% YoY driven by 30% B2B scores growth (mortgage originations) and 3% B2C expansion.
- **FICO 10 T Momentum**: $261B+ mortgage originations adopt FICO 10 T, despite GSE delay.
- **Software Strength**: Platform ARR +20% YoY, NRR 105%, with H2 acceleration expected.
- **Cash Flow Excellence**: $673M LTM free cash flow, $126M buybacks in Q1/Jan.
- **Strategic Focus**: Integrating BNPL data to improve financial inclusion; FICO World event to showcase innovation.

**【CEO Summary Section】**
- Q1 2025 revenue reached $440 million, up 15% YoY, driven by 30% growth in B2B scores (mortgage originations) and 3% growth in B2C scores.
- FICO Score 10 T adoption expanded to $261 billion in annualized mortgage originations, with GSE implementation delayed by FHFA.
- Software ARR grew 6% to $729 million, with platform ARR up 20% and NRR at 105%.
- Free cash flow of $187 million (Q1) and $673 million (LTM) reflects strong cash generation.
- FICO World event in Q3 will drive engagement with clients and partners.

**【CFO Financial Commentary】**
- GAAP net income: $153 million (26% YoY), Non-GAAP EPS: $5.79 (20% YoY).
- Scores segment revenue: $236 million (23% YoY), Software segment: $204 million (8% YoY, excluding FX).
- Platform ARR growth of 20% offset by 3% FX impact; non-platform ARR grew 1%.
- Operating expenses: $260 million (1.5% QoQ increase), with non-GAAP margin at 50%.
- Free cash flow utilization includes $126 million in share buybacks (Q1 + Jan).

**【Q&A Key Themes】**
1. **FHFA & GSE Impact**: FHFA delayed FICO Score 10 T implementation, but FICO remains the industry standard for risk assessment.
2. **Software ARR Growth**: Platform ARR expected to accelerate in H2, driven by strong bookings pipeline and FX recovery.
3. **Mortgage Volume Sensitivity**: Guidance assumes conservative rate environment; 110% YoY mortgage originations growth in Q1 reflects rate stability.
4. **Capital Allocation**: Share buybacks remain attractive, with $2.42 billion debt at 5% WACC.
5. **Innovation**: Buy Now Pay Later (BNPL) data integration study shows potential to enhance credit scoring accuracy for underserved consumers.

Actual											2.14	2.58	3.25	2.74	3.06	3.38	3.92	3.7	4.68	4.47	4.4	4.26	4.78	5.66	5.01	4.81	6.14	6.25	6.54	5.79	7.81	8.57	7.74	7.33
Forecast											1.7617	2.1586	2.3171	2.2918	2.6619	2.8082	3.1798	3.3625	3.7335	3.984	4.0845	4.0611	5.0389	5.2467	5.2904	5.0629	5.8098	6.3719	6.3641	6.0922	7.4779	7.7115	7.3215	7.085
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+21.47%	+19.52%	+40.26%	+19.56%	+14.96%	+20.36%	+23.28%	+10.04%	+25.35%	+12.20%	+7.72%	+4.90%	-5.14%	+7.88%	-5.30%	-5.00%	+5.68%	-1.91%	+2.76%	-4.96%	+4.44%	+11.13%	+5.72%	+3.46%

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