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Fair Isaac FICO Q3 2025 earnings

Reported July 30, 2025 · After market close

Revenue$536.4MBeat by $21.1M
EPS$8.57Beat by $0.86
Revenue estimate$515.3M
EPS estimate$7.71

Next report

Nov 4, 2026 (In 3 weeks)
Revenue estimate$659.5M
EPS estimate$10.91

Financials

Q3 2025

Income statement

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Revenue$536.4M+19.8%
Gross profit$448.8M+24.8%
Operating income$262.5M+38.0%
Net income$181.8M+44.0%
EPS (diluted)$7.40+46.5%

Balance sheet

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Cash & equivalents$156.7M+29.0%
Total debt$2.8B+29.3%
Total equity-$1.4B-68.5%
Total assets$1.9B+9.0%

Cash flow

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Operating cash flow$286.2M+34.2%
CapEx$1.8M+3.7%
Free cash flow$284.4M+34.4%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$46.89B+26.9%
Enterprise value$49.54B+27.0%
P/E74.1×-3.1×
P/S24.3×+2.0×

Profitability

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Gross margin81.7%+2.4pp
Operating margin45.9%+3.4pp
Net margin32.8%+3.9pp
FCF margin40.2%+6.2pp

Returns & leverage

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Current ratio0.9×-1.0×

Segments

By product

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Business-to-business Scores$268.5M+42.2%
Non-platform software$126.4M-4.2%
SaaS software$106.2M+6.2%
On-premises software$81.7M-2.5%
Platform software$61.5M+18.7%

By geography

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Americas$470.2M+23.3%
Europe, Middle East and Africa$41.4M-10.7%
Asia Pacific$24.9M+23.3%

By segment

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Scores$324.3M+34.3%
Software$212.1M+2.8%

FAQ

When did Fair Isaac report Q3 2025 earnings?
Fair Isaac (FICO) reported Q3 2025 earnings on July 30, 2025 after market close.
What were Fair Isaac's Q3 2025 revenue and EPS?
Fair Isaac reported revenue of $536.4M and eps of $8.57 for Q3 2025.
Did Fair Isaac beat estimates in Q3 2025?
Revenue beat the consensus estimate of $515.3M by $21.1M. EPS beat the consensus estimate of $7.71 by $0.86.
How did Fair Isaac's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.8% from $447.8M a year earlier and eps grew 69.7% from $5.05.
Where can I find Fair Isaac's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000814547-25-000024) and the 10-Q periodic report (0000814547-25-000022) directly on SEC EDGAR. The filing index links above go to sec.gov.