Fair Isaac (FICO) 10-K Summaries & Annual Filing History
Review Fair Isaac Corporation (FICO) 10-K filings from 2023 through the latest annual report, including business, financial performance, risks, and liquidity.
Key takeaway
Year ended Sep 30, 2025 · FY2025 10-K
Fair Isaac reported another year of revenue growth and strong profitability. The company continues to generate substantial operating cash flow.
Financial snapshot
Selected annual figures reported with the filing, shown separately from the narrative summary.
Annual revenue
$2B
Revenue reported for the fiscal year.
Operating income
$924.9M
Income from operations reported for the year.
Net income
$651.9M
Net income reported for the year.
Operating cash flow
$778.8M
Cash generated by operating activities.
Annual revenue trend
Reported annual revenue and its change from the preceding fiscal year.
| Period ended | Revenue | Year-over-year change |
|---|---|---|
| Sep 30, 2022 | $1.4B | +4.6% |
| Sep 30, 2023 | $1.5B | +9.9% |
| Sep 30, 2024 | $1.7B | +13.5% |
| Sep 30, 2025 | $2B | +15.9% |
Business overview
Fair Isaac provides analytics and decision management solutions, including the FICO Score. It serves businesses globally to improve credit risk and fraud management.
Financial performance
Revenue increased compared to the prior year, continuing a multi-year trend of growth. Operating income and net income both improved, reflecting solid operational performance. Cash flow from operations remained robust.
Material risks
The filing outlines several risk factors, including competitive pressures, dependency on key data sources, and regulatory changes. These could impact future results.
Liquidity and capital
The filing discusses the company's capital resources and liquidity, noting that operating cash flows fund investments and share repurchases. However, specific capital allocation plans are not detailed.
What to watch
Investors should monitor whether revenue growth accelerates or decelerates in the upcoming period.