Q2 2025 FINANCIAL HIGHLIGHTS | Metric | Q2- | 24 | Q1- 25 | Q2- 25 | % Q/Q | % Y/Y | | --- | --- | --- | --- | --- | --- | --- | | (In millions, except for EPS) | | | | | | | | Scores Revenues | | $236.9 | $235.7 | $297.0 | 26% | 25% | | Software Revenues | | $196.9 | $204.3 | $201.7 | -1% | 2% | | Total Revenues | | $433.8 | $440.0 | $498.7 | 13% | 15% | | Software ARR | | $697.0 | $729.3 | $714.6 | -2% | 3% | | Software ACV Bookings | | $16.8 | $21.2 | $21.8 | 3% | 30% | | Non-GAAP Op. Margin* | | 53% | 5 ...

Core Insights - Fair Isaac (FICO) reported revenue of $498.74 million for the quarter ended March 2025, marking a year-over-year increase of 15% and an EPS of $7.81 compared to $6.14 a year ago, exceeding Zacks Consensus Estimates for both revenue and EPS [1][2] Financial Performance - The reported revenue of $498.74 million surpassed the Zacks Consensus Estimate of $496.22 million, resulting in a surprise of +0.51% [1] - The EPS of $7.81 exceeded the consensus estimate of $7.39, delivering a surprise of +5.68% [1] - Annual Recurring Revenue (ARR) for the platform was $234.70 million, below the average estimate of $248.73 million [4] - Total ARR was reported at $714.60 million, compared to the estimated $751.38 million [4] - Non-platform ARR was $479.90 million, lower than the average estimate of $502.65 million [4] Revenue Breakdown - Professional services revenue was $17.87 million, below the average estimate of $19.18 million, reflecting a year-over-year decline of -9.5% [4] - Software revenue reached $201.70 million, slightly below the average estimate of $211.53 million, with a year-over-year increase of +2.4% [4] - Scores revenue was $297.04 million, exceeding the average estimate of $286 million, with a year-over-year increase of +25.4% [4] - On-premises and SaaS software revenue was $183.83 million, below the average estimate of $192.35 million, with a year-over-year increase of +3.8% [4] - Business-to-consumer scores revenue was $54.55 million, surpassing the average estimate of $52.90 million, with a year-over-year increase of +6.2% [4] - Business-to-business scores revenue was $242.49 million, exceeding the average estimate of $235.89 million, with a year-over-year increase of +30.7% [4] Operating Income - Operating income for software was reported at $63.32 million, below the average estimate of $69.19 million [4] - Operating income for scores was $264.97 million, exceeding the average estimate of $254.48 million [4] Stock Performance - Fair Isaac's shares returned +5.4% over the past month, while the Zacks S&P 500 composite experienced a -0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Fair Isaac (FICO) came out with quarterly earnings of $7.81 per share, beating the Zacks Consensus Estimate of $7.39 per share. This compares to earnings of $6.14 per share a year ago. These figures are adjusted for non- recurring items. This quarterly report represents an earnings surprise of 5.68%. A quarter ago, it was expected that this financial services company would post earnings of $6.21 per share when it actually produced earnings of $5.79, delivering a surprise of -6.76%. Empirical research shows ...

Fair Isaac Corporation (FICO) Q2 2025 Earnings Call April 29, 2025 05:00 PM ET Company Participants Dave Singleton - Vice President - IRWilliam Lansing - CEOSteve Weber - Executive VP & CFOSimon Clinch - PartnerFaiza Alwy - Managing Director, US Company ResearchJoshua Dennerlein - Head of Business & Information Services equity researchScott Wurtzel - SVP - Equity ResearchKevin McVeigh - Managing DirectorMatthew O'Neill - Managing Director Conference Call Participants Manav Patnaik - Managing Director, Equit ...

Exhibit 99.1 FICO Announces Earnings of $6.59 per Share for Second Quarter Fiscal 2025 Revenue of $499 million vs. $434 million in prior year BOZEMAN, Mont.--(BUSINESS WIRE)--April 29, 2025--FICO (NYSE:FICO), a global analytics software leader, today announced results for its second fiscal quarter ended March 31, 2025. Second Quarter Fiscal 2025 GAAP Results Net income for the quarter totaled $162.6 million, or $6.59 per share, versus $129.8 million, or $5.16 per share, in the prior year period. Net cash pr ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-11689 Fair Isaac Corporation (Exact name of registrant as specified in its charter) Delaware 94-1499887 (State or o ...

Core Viewpoint - Fair Isaac Corporation (FICO) is expected to report strong revenue and earnings growth for the second quarter of fiscal 2025, driven by innovations in its scoring business and increased adoption of its FICO Score 10T product. Financial Performance - The Zacks Consensus Estimate for second-quarter fiscal 2025 revenues is $496.22 million, indicating a 14.39% increase from the previous year [1] - The consensus estimate for earnings is $7.39 per share, reflecting a 20.36% year-over-year growth [1] Recent Performance Trends - FICO's earnings have missed the Zacks Consensus Estimate in three of the last four quarters, with an average negative surprise of 0.92% [2] - The company has seen sustained growth in Scores revenues, supported by continuous innovation and the incorporation of Buy Now, Pay Later loan data into its scoring models [3] Product Development and Market Position - The expansion of FICO Score 10T for non-GSE mortgages is likely to have driven revenue growth, supported by customer adoption and expansion among existing clients [4] - FICO's land-and-expand strategy and increased recurring revenues have strengthened its market position, contributing to sustained growth [5] Industry Leadership - FICO reported strong adoption momentum for FICO Score 10T in mortgage origination, with loans utilizing this score beginning to trade on the MCT Marketplace, indicating broader market acceptance [6] Earnings Expectations - According to the Zacks model, FICO has an Earnings ESP of -1.71% and a Zacks Rank of 3, suggesting a moderate likelihood of an earnings beat [7]

Core Viewpoint - Fair Isaac (FICO) is expected to report strong quarterly earnings and revenue growth, with analysts predicting earnings per share (EPS) of $7.39, a 20.4% increase year-over-year, and revenues of $496.22 million, reflecting a 14.4% increase compared to the same period last year [1]. Earnings Estimates - The consensus EPS estimate has been revised down by 0.1% over the last 30 days, indicating a slight reevaluation by analysts [2]. - Revisions to earnings estimates are crucial as they serve as indicators for potential investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock price performance [3]. Revenue Projections - Analysts estimate 'Revenues- Professional services' at $19.18 million, a decrease of 2.9% from the prior year [5]. - 'Revenues- Software' is projected to reach $211.53 million, an increase of 7.4% year-over-year [5]. - 'Revenues- Scores' are expected to be $286.00 million, reflecting a 20.7% increase from the previous year [5]. - 'Revenues- On-premises and SaaS software' are forecasted at $192.35 million, indicating an 8.6% year-over-year increase [6]. - 'Revenues- Scores- Business-to-consumer' is expected to be $52.90 million, a 3% increase from the prior year [6]. - 'Revenues- Scores- Business-to-business' is projected to reach $235.89 million, a significant increase of 27.2% year-over-year [6]. Annual Recurring Revenue (ARR) - 'Annual Recurring Revenue (ARR) - Platform' is estimated at $248.73 million, up from $201.40 million a year ago [7]. - The total 'Annual Recurring Revenue (ARR) - Total' is projected to be $751.38 million, compared to $697 million in the same quarter last year [7]. - 'Annual Recurring Revenue (ARR) - Non-Platform' is expected to reach $502.65 million, an increase from $495.60 million reported in the same quarter of the previous year [8]. Stock Performance - Fair Isaac shares have increased by 3.5% over the past month, contrasting with the Zacks S&P 500 composite's decline of 4.8% [9].

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Core Viewpoint - Fair Isaac (FICO) reported mixed financial results for Q1 fiscal 2025, with earnings per share missing estimates but revenues showing year-over-year growth. The company is experiencing a positive trend in its stock performance, outperforming the S&P 500, but there are concerns about future earnings guidance and downward estimate revisions [1][2][10]. Financial Performance - Q1 fiscal 2025 earnings were $5.79 per share, missing the Zacks Consensus Estimate by 6.76% but increasing 20.4% year over year [2]. - Revenues reached $440 million, a 15.2% increase year over year, but fell short of consensus estimates by 3.25% [2]. - Software revenues grew 8% year over year to $204.3 million, with Software Annual Recurring Revenues (ARR) increasing 6% [3]. Revenue Breakdown - The Americas contributed 87% to total revenues, while EMEA and Asia Pacific contributed 8% and 5%, respectively [2]. - On-premises and SaaS software revenues accounted for 42.3% of total revenues, increasing 10.3% year over year to $186 million [4]. - Scores, which include B2B and B2C scoring solutions, increased 22.7% year over year to $235.7 million, representing 53.6% of total revenues [4]. Segment Performance - B2B revenues surged 30% year over year, primarily due to higher unit prices and increased mortgage originations, while B2C revenues grew 3% [5]. - Mortgage originations revenues skyrocketed 110% year over year, making up 44% of B2B revenues and 34% of total scores revenues [5]. - Auto originations revenues increased by 5%, while credit card and personal loan revenues declined by 3% year over year [5]. Operating Metrics - Research & development expenses as a percentage of revenues decreased by 90 basis points to 10.3%, while selling, general, and administrative expenses increased by 180 basis points to 29.1% [7]. - Operating margin improved to 40.8%, expanding 120 basis points year over year [7]. Balance Sheet and Cash Flow - As of December 31, 2024, FICO had $184 million in cash and cash equivalents and total debt of $2.4 billion, up from $151 million in cash and $2.2 billion in debt as of September 30, 2024 [8]. - Cash flow from operations was $194 million, down from $226.4 million in the previous quarter, while free cash flow decreased to $187 million from $219.4 million [9]. Future Guidance - For fiscal 2025, FICO anticipates revenues of $1.98 billion and non-GAAP earnings of $28.58 per share [10]. - Recent estimates have trended downward, indicating a potential shift in market sentiment towards the stock [11][13].