FICO · 10-K · 2026A

FAIR ISAAC CORP

Filed 2026-11-06 · Other · View original filing on EDGAR

Everything FICO's SEC filings said, ranked

Ranked Events

• Balance Sheet and LiquidityImportance 89 · Surprise 82
  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…
• Share Repurchase ProgramImportance 89 · Surprise 82
  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…
• FICO Platform AdoptionImportance 69 · Surprise 64
  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 · Surprise 56
  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 · Surprise 64
  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 · Surprise 82
  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 · Surprise 48
  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 · Surprise 60
  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 · Surprise 38
  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 · Surprise 24
  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 · Surprise 60
  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 · Surprise 32
  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…
• International Market GrowthImportance 31 · Surprise 24
  FICO said it continued pursuing international expansion and development, building on the blueprint established through prior FICO Score launches in Kenya and Mongolia. The filing provides no specific regional growth…
• Credit Score Product ExpansionImportance 31 · Surprise 42
  FICO announced a Mortgage Direct License Program giving tri-merge resellers, platform providers, and other third-party distributors an option to calculate and distribute FICO Scores directly to customers without…
• Credit Scoring CompetitionImportance 23 · Surprise 24
  FICO said the FICO Score remained the standard measure of consumer credit risk used by U.S. lenders for credit decisioning. Independent analyses during fiscal 2026 continued to show strong predictive performance for…

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