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- **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

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FICO

FICO fundamentals

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