FICO Reports Q3 2025 Earnings, Sets Run Rate of Business
ByAinvest
Thursday, Jul 31, 2025 5:01 am ET1min read
AMZN--
Financial Highlights
FICO reported Q3 revenues of $536 million, marking a 20% increase over the same period last year. GAAP net income for the quarter was $182 million, up 44% year-over-year, while GAAP earnings per share (EPS) rose to $7.40, a 47% increase. Non-GAAP net income was $211 million, up 35%, with non-GAAP EPS reaching $8.57, a 37% increase. The company also generated record-breaking free cash flow of $276 million in Q3 and repurchased 284,000 shares, totaling over $0.5 billion in share buybacks, the largest single quarter buyback in FICO history.
Segment Performance
- Scores Segment: Revenue in this segment was $324 million, up 34% compared to the prior year. FICO Score 10 T, the most predictive broad-based credit scoring model, continues to gain traction, with new lender deals and increased adoption.
- Software Segment: Q3 revenue was $212 million, up 3% from the prior year. The revenue increase was driven by growth in platform SaaS, with total annual recurring revenue (ARR) increasing by 4% and total net recurring revenue (NRR) at 103%.
Innovation and Strategic Partnerships
FICO highlighted its strong innovation in the software business, particularly the FICO Platform, which transforms how organizations make decisions. The company hosted FICO World, unveiling advancements that will shape the future of decisioning and enterprise AI. Additionally, FICO signed a new strategic collaboration agreement with Amazon Web Services (AWS), further expanding its capabilities and reach.
Forward-Looking Statements and Risks
Certain statements made during the call were forward-looking and involved risks and uncertainties that could cause actual results to differ materially from those expected. These risks and uncertainties are detailed in the company's filings with the SEC, particularly in the risk factors and forward-looking statements portions of such filings.
Conclusion
FICO's Q3 2025 earnings demonstrate strong financial performance and growth, driven by innovation and strategic partnerships. The company's forward-looking statements and risk factors underscore the importance of ongoing vigilance and adaptability in the dynamic financial services landscape.
References
[1] https://investors.fico.com/
[2] https://seekingalpha.com/article/4806594-fair-isaac-corporation-fico-q3-2025-earnings-call-transcript
FICO--
FICO reported Q3 2025 earnings, with management discussing financial results compared to the prior year and the prior quarter. The company issued a press release detailing the financial results, and management will discuss the run rate of the business. Certain statements made during the call are forward-looking and involve risks and uncertainties that could cause actual results to differ materially.
Fair Isaac Corporation (NYSE: FICO), a leading provider of decisioning solutions, reported its third quarter (Q3) 2025 earnings, showcasing robust financial performance and significant growth. The company's earnings call, held on July 30, 2025, provided a comprehensive overview of the quarter's results and discussed the run rate of the business.Financial Highlights
FICO reported Q3 revenues of $536 million, marking a 20% increase over the same period last year. GAAP net income for the quarter was $182 million, up 44% year-over-year, while GAAP earnings per share (EPS) rose to $7.40, a 47% increase. Non-GAAP net income was $211 million, up 35%, with non-GAAP EPS reaching $8.57, a 37% increase. The company also generated record-breaking free cash flow of $276 million in Q3 and repurchased 284,000 shares, totaling over $0.5 billion in share buybacks, the largest single quarter buyback in FICO history.
Segment Performance
- Scores Segment: Revenue in this segment was $324 million, up 34% compared to the prior year. FICO Score 10 T, the most predictive broad-based credit scoring model, continues to gain traction, with new lender deals and increased adoption.
- Software Segment: Q3 revenue was $212 million, up 3% from the prior year. The revenue increase was driven by growth in platform SaaS, with total annual recurring revenue (ARR) increasing by 4% and total net recurring revenue (NRR) at 103%.
Innovation and Strategic Partnerships
FICO highlighted its strong innovation in the software business, particularly the FICO Platform, which transforms how organizations make decisions. The company hosted FICO World, unveiling advancements that will shape the future of decisioning and enterprise AI. Additionally, FICO signed a new strategic collaboration agreement with Amazon Web Services (AWS), further expanding its capabilities and reach.
Forward-Looking Statements and Risks
Certain statements made during the call were forward-looking and involved risks and uncertainties that could cause actual results to differ materially from those expected. These risks and uncertainties are detailed in the company's filings with the SEC, particularly in the risk factors and forward-looking statements portions of such filings.
Conclusion
FICO's Q3 2025 earnings demonstrate strong financial performance and growth, driven by innovation and strategic partnerships. The company's forward-looking statements and risk factors underscore the importance of ongoing vigilance and adaptability in the dynamic financial services landscape.
References
[1] https://investors.fico.com/
[2] https://seekingalpha.com/article/4806594-fair-isaac-corporation-fico-q3-2025-earnings-call-transcript
Stay ahead of the market.
Get curated U.S. market news, insights and key dates delivered to your inbox.
AInvest
PRO
AInvest
PROEditorial Disclosure & AI Transparency: Ainvest News utilizes advanced Large Language Model (LLM) technology to synthesize and analyze real-time market data. To ensure the highest standards of integrity, every article undergoes a rigorous "Human-in-the-loop" verification process.
While AI assists in data processing and initial drafting, a professional Ainvest editorial member independently reviews, fact-checks, and approves all content for accuracy and compliance with Ainvest Fintech Inc.’s editorial standards. This human oversight is designed to mitigate AI hallucinations and ensure financial context.
Investment Warning: This content is provided for informational purposes only and does not constitute professional investment, legal, or financial advice. Markets involve inherent risks. Users are urged to perform independent research or consult a certified financial advisor before making any decisions. Ainvest Fintech Inc. disclaims all liability for actions taken based on this information. Found an error?Report an Issue
Comments
No comments yet