Here's What Key Metrics Tell Us About Fair Isaac (FICO) Q4 Earnings

Core Insights - Fair Isaac (FICO) reported a revenue of $515.75 million for the quarter ended September 2025, reflecting a year-over-year increase of 13.7% and surpassing the Zacks Consensus Estimate by 0.78% [1] - The earnings per share (EPS) for the quarter was $7.74, up from $6.54 in the same quarter last year, exceeding the consensus EPS estimate of $7.34 by 5.45% [1] Financial Performance Metrics - Annual Recurring Revenue (ARR) for the Platform was reported at $263.6 million, slightly below the estimated $267.65 million [4] - Total ARR was $747.3 million, missing the average estimate of $761.69 million [4] - Non-Platform ARR stood at $483.7 million, compared to the estimated $494.05 million [4] - Revenue from Scores was $311.55 million, exceeding the average estimate of $303.78 million, with a year-over-year increase of 25% [4] - Software revenue was $204.2 million, slightly below the estimate of $210.53 million, showing a minor decline of 0.2% year-over-year [4] - Professional services revenue was $21.81 million, marginally below the average estimate of $21.87 million, reflecting a year-over-year decrease of 4.8% [4] - Business-to-consumer Scores revenue was $56.32 million, compared to the estimate of $57.73 million, with an increase of 8.2% year-over-year [4] - On-premises and SaaS software revenue was $182.39 million, below the estimate of $189.13 million, with a year-over-year increase of 0.4% [4] - Business-to-business Scores revenue was $255.32 million, exceeding the estimate of $247.78 million, with a significant year-over-year increase of 29.5% [4] - Operating income for Software was $55.69 million, below the average estimate of $68.79 million [4] - Operating income for Scores was $272.79 million, surpassing the estimate of $263.74 million [4] Stock Performance - Fair Isaac's shares have returned +7.2% over the past month, outperforming the Zacks S&P 500 composite's +1.4% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]