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Jun 30, 2025
FICO Q3 2025 Earnings Report
FICO reported strong financial results for the third fiscal quarter of 2025, with significant increases in revenue and earnings per share compared to the prior year.
Key Takeaways
FICO delivered robust performance in the third fiscal quarter of 2025, with total revenues increasing by 20% year-over-year to $536.4 million. GAAP diluted EPS rose to $7.40, and Non-GAAP diluted EPS reached $8.57, demonstrating strong earnings growth. The company also raised its full-year fiscal 2025 guidance.
Total revenues for Q3 fiscal 2025 increased by 20% to $536.4 million, up from $447.8 million in the prior year.
GAAP diluted EPS for the quarter was $7.40, a significant increase from $5.05 in the prior year period.
Non-GAAP diluted EPS for the quarter was $8.57, compared to $6.25 in the prior year period.
The company's Scores segment revenue grew by 34% to $324.3 million, driven by higher unit prices, increased mortgage originations, and a US license renewal.
Revenue by Segment
Forward Guidance
FICO has updated its fiscal 2025 guidance, raising its outlook for GAAP Net Income, GAAP EPS, Non-GAAP Net Income, and Non-GAAP EPS, while maintaining its revenue guidance.
Positive Outlook
- Updated GAAP Net Income guidance increased to $630 million from $624 million.
- Updated GAAP EPS guidance increased to $25.60 from $25.05.
- Updated Non-GAAP Net Income guidance increased to $718 million from $712 million.
- Updated Non-GAAP EPS guidance increased to $29.15 from $28.58.
- The company's strong Q3 performance led to the raised full-year guidance, indicating confidence in continued growth.
Challenges Ahead
- Revenue guidance for fiscal 2025 remained unchanged at $1.98 billion, suggesting no further upside expected in total revenue for the year.
- No specific negative factors or risks were highlighted in the forward guidance section of the report.
- The report does not provide detailed reasons for the specific magnitude of the guidance increase, beyond general strong performance.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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