What FAIR ISAAC CORP's SEC filings said

10-K for 2026, filed 6 Nov 2026. Each line is something a filing stated, ranked by score and linked to its source.

Ranked highest

Guidance withdrawn90 · rule score among filings · 8-K Item 2.02 · 4 Nov 2026
Because of these factors, we are not providing fiscal year 2027 guidance at this time.
Share Repurchase Program89 · importance in its document · 10-K · 2026
FICO repurchased 2.5 million shares for $3.1 billion in fiscal 2026, compared with $1.4 billion in fiscal 2025. The June 2026 program authorizes up to $2.0 billion of repurchases and had $500.0 million remaining at September 30, 2026. The…
Balance Sheet and Liquidity89 · importance in its document · 10-K · 2026
At September 30, 2026, FICO had $217.6 million of cash and cash equivalents, including $165.9 million held by foreign subsidiaries, and total debt of $5.3 billion, compared with $3.1 billion a year earlier. Outstanding debt included…
FICO Platform Adoption69 · importance in its document · 10-K · 2026
Software-segment annual recurring revenue reached $850.9 million at September 30, 2026, up 14% year over year, while platform ARR rose from $263.6 million to $452.6 million. Dollar-Based Net Retention Rate was 112%, indicating growth from…
Operating Cash Flow Trends64 · importance in its document · 10-K · 2026
Cash provided by operating activities increased $293.3 million, or approximately 38%, to $1.072 billion in fiscal 2026 from $778.8 million in fiscal 2025. The increase reflected $183.0 million of higher net income, $69.8 million from…

Ranked by score, 0–100. A topic read from a document carries its importance within that document; an 8-K event carries the rule score that ranks a filing among filings. Neither is about the share price, and the two scales are named on each row because they are not the same measure.

Latest report: 10-K · 2026 filed 6 Nov 2026

Full report · Filing on EDGAR

Share Repurchase ProgramImportance 89
FICO repurchased 2.5 million shares for $3.1 billion in fiscal 2026, compared with $1.4 billion in fiscal 2025. The June 2026 program authorizes up to $2.0 billion of repurchases and had $500.0 million remaining at…
Balance Sheet and LiquidityImportance 89
At September 30, 2026, FICO had $217.6 million of cash and cash equivalents, including $165.9 million held by foreign subsidiaries, and total debt of $5.3 billion, compared with $3.1 billion a year earlier. Outstanding…
FICO Platform AdoptionImportance 69
Software-segment annual recurring revenue reached $850.9 million at September 30, 2026, up 14% year over year, while platform ARR rose from $263.6 million to $452.6 million. Dollar-Based Net Retention Rate was 112%,…
Operating Cash Flow TrendsImportance 64
Cash provided by operating activities increased $293.3 million, or approximately 38%, to $1.072 billion in fiscal 2026 from $778.8 million in fiscal 2025. The increase reflected $183.0 million of higher net income,…
Income Tax Rate ChangesImportance 63
FICO’s effective income tax rate increased to 24.1% in fiscal 2026 from 18.8% in fiscal 2025, a 5.3 percentage-point increase. The company attributed the higher rate to a decrease in excess tax benefits related to…
Restructuring and HeadcountImportance 59
In the fourth quarter of fiscal 2026, FICO recorded $27.3 million of employee-separation charges for eliminating approximately 15% of positions across the Company. The remaining cash payments for those separation costs…
Revenue Performance and MixImportance 59
Fiscal 2026 revenue was $2.535 billion, up $544.0 million, or 27%, from fiscal 2025. Scores revenue rose $483.6 million to $1.652 billion, driven by higher unit prices and volume of mortgage origination scores in…
Antitrust Class Action SettlementImportance 53
In the fourth quarter of fiscal 2026, Fair Isaac recorded a $65.0 million accrual in selling, general and administrative expenses for antitrust lawsuits. The accrual followed a September 29, 2026 term sheet proposing a…
Operating Expense TrendsImportance 51
Research and development expense increased $21.0 million, or 11%, to $209.3 million in fiscal 2026, mainly from $21.9 million of additional infrastructure and facilities costs, including third-party data center…
Mortgage Market Demand TrendsImportance 50
Scores segment business-to-business revenue increased $473.6 million in fiscal 2026, primarily from both higher unit pricing and increased volume of mortgage origination scores. The filing links the growth to mortgage…
FICO Score 10T AdoptionImportance 47
In April 2026, the Federal Housing Finance Agency confirmed that FICO Score 10T was approved for future use in the conforming mortgage market served by Fannie Mae and Freddie Mac. On July 1, 2026, the two…
Gross Margin DriversImportance 41
Cost of revenues decreased $2.2 million to $351.5 million in fiscal 2026, while revenue increased 27%. Cost of revenues fell to 14% of revenue from 18%, primarily because higher-margin Scores products represented a…

8-K filings last 12 months

Guidance withdrawn4 Nov 2026 · 8-K Item 2.02 · Flagged · rule score 90
“Because of these factors, we are not providing fiscal year 2027 guidance at this time.”
Read from the attached exhibit: Capital Return Program · Free Cash Flow · Headcount / Restructuring
Restructuring, first in three years6 Oct 2026 · 8-K Item 2.05 · Flagged · rule score 65
Results (release not read)29 Jul 2026 · 8-K Item 2.02 · Routine · rule score 20
New debt8 Jun 2026 · 8-K Items 1.01, 2.03 · Routine · rule score 25
Results (release not read)28 Apr 2026 · 8-K Item 2.02 · Routine · rule score 20
New debt20 Mar 2026 · 8-K Items 1.01, 2.03 · Routine · rule score 25
Results (release not read)28 Jan 2026 · 8-K Item 2.02 · Routine · rule score 20

Topics are read from the text of the 10-K, 10-Q or the exhibit attached to an 8-K, each linked to the passage it came from. 8-K events are labelled by fixed rules from the item codes and the filing text — the same rules for every company and every year. The Full Picture merges these with earnings calls and news.