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Sep 30
FICO Q4 2025 Earnings Report
FICO delivered strong Q4 2025 results with double-digit revenue growth and record earnings per share.
Key Takeaways
FICO reported a solid fourth quarter with 14% revenue growth and improved profitability across both GAAP and non-GAAP measures. Scores revenues drove the top-line increase, while software revenues remained flat. Software platform ARR growth and retention metrics remained healthy.
Q4 revenue grew 14% YoY to $516 million, led by strong performance in Scores.
GAAP EPS increased to $6.42, while non-GAAP EPS rose to $7.74.
Free cash flow remained strong at $210.8 million, despite slightly lower than prior year.
Platform ARR grew 16% YoY; total software net retention rate held at 102%.
FICO
FICO
FICO Revenue by Segment
Revenue by Segment
Scores Revenues Revenue
CapyFin.comSoftware Revenues Revenue
CapyFin.com Forward Guidance
FICO expects strong financial performance in fiscal 2026 with continued top-line growth and profitability.
Positive Outlook
- FY26 revenue guidance set at $2.35 billion
- Non-GAAP EPS expected to grow to $38.17
- Platform ARR momentum remains strong
- Net income projected to rise significantly
- Operational efficiency driving improved margins
Challenges Ahead
- Software segment growth remained flat in Q4
- Non-platform ARR declined YoY
- Free cash flow slightly down from prior year
- Higher restructuring costs incurred in Q4
- Potential impact of macroeconomic conditions remains a risk
Revenue & Expenses
Visualization of income flow from segment revenue to net income