FICO

EX-99.1

2 exhibit991erq22026.htm

EX-99.1 Q2-26

Document

Exhibit 99.1

FICO Announces Earnings of $11.14 per Share

for Second Quarter Fiscal 2026

Revenue of $692 million vs. $499 million in prior year

BOZEMAN, Mont.--(BUSINESS WIRE)--April 28, 2026--FICO (NYSE:FICO), a global analytics software leader, today announced results for its second fiscal quarter ended March 31,2026.

Second Quarter Fiscal 2026 GAAP Results

Net income for the quarter totaled $264.5 million, or $11.14 per share, versus $162.6 million, or $6.59 per share, in the prior year period.

Net cash provided by operating activities for the quarter was $223.4 million versus $74.9 million in the prior year period.

Second Quarter Fiscal 2026 Non-GAAP Results

Non-GAAP Net Income for the quarter was $296.8 million versus $192.7 million in the prior year period. Non-GAAP EPS for the quarter was $12.50 versus $7.81 in the prior year period. Free cash flow was $214.3 million for the current quarter versus $65.5 million in the prior year period. The Non-GAAP financial measures are described in the financial table captioned “Non-GAAP Results” and are reconciled to the corresponding GAAP results in the financial tables at the end of this release.

Second Quarter Fiscal 2026 GAAP Revenue

The company reported revenues of $691.7 million for the quarter as compared to $498.7 million reported in the prior year period, an increase of 39%.

“We continue to deliver strong revenue and earnings growth,” said Will Lansing, chief executive officer. “We are pleased to announce that we are raising our full year guidance.”

Revenues for the second quarter of fiscal 2026 for the company’s two operating segments were as follows:

•Scores revenues, which include the company’s business-to-business (B2B) scoring solutions, and business-to-consumer (B2C) solutions, were $475.0 million in the second quarter, compared to $297.0 million in the prior year period, an increase of 60%. B2B revenue increased 72%, primarily attributable to a higher mortgage origination scores unit price and an increase in volume of mortgage originations. B2C revenue increased 5% from the prior year period due mainly to increased revenue from our indirect channel partners.

•Software revenues, which include the company’s analytics and digital decisioning technology, were up 7% year-over-year with $216.7 million in the second quarter, compared to $201.7 million in the prior year period. On March 31, 2026, Software Annual Recurring Revenue was up 10% year-over-year, consisting of a 49% increase in platform ARR and an 8% decline in non-platform ARR. The total Software Dollar-Based Net Retention Rate was 109% on March 31, 2026, with platform software at 136% and non-platform software at 90%.

Outlook

The company is updating its previously provided guidance for fiscal 2026:

Previous Fiscal 2026 GuidanceUpdated Fiscal 2026 Guidance

Revenues$2.35 billion$2.45 billion

GAAP Net Income$795 million$825 million

GAAP EPS$33.47$35.60

Non-GAAP Net Income$907 million$946 million

Non-GAAP EPS$38.17$40.45

The Non-GAAP financial measures are described in the financial table captioned “Reconciliation of Non-GAAP Guidance.”

Company to Host Conference Call

The company will host a webcast on April 28, 2026, at 4:30 p.m. Eastern Time (1:30 p.m. Pacific Time) to report its second quarter fiscal 2026 results and provide various strategic and operational updates. The call can be accessed at FICO’s web site at www.fico.com/investors. A replay of the webcast will be available on our Past Events page through April 28, 2027.

About FICO

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.

Learn more at https://www.fico.com/en

Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/

For FICO news and media resources, visit https://www.fico.com/en/newsroom

FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.

Statement Concerning Forward-Looking Information

Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the

fico-202601280000814547false00008145472026-01-282026-01-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported) January 28, 2026

FAIR ISAAC CORPORATION

(Exact name of registrant as specified in its charter)

Delaware

1-11689

94-1499887

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification Number)

5 West Mendenhall, Suite 105 Bozeman,Montana59715 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code 406-982-7276 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, $0.01 par value per shareFICONew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b‑2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

TABLE OF CONTENTS

Item 2.02. Results of Operations and Financial Condition. Item 9.01. Financial Statements and Exhibits. Exhibit 99.1 Signature

Item 2.02. Results of Operations and Financial Condition.

On January 28, 2026, Fair Isaac Corporation (the “Company”) reported its financial results for the quarter ended December 31, 2025. See the Company’s press release dated January 28, 2026, which is furnished as Exhibit 99.1 hereto and incorporated by reference in this Item 2.02.

Item 9.01    Financial Statements and Exhibits. (d) Exhibits.

ExhibitDescription 99.1Press Release dated January 28, 2026

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FAIR ISAAC CORPORATION

By: /s/ STEVEN P. WEBER Steven P. Weber Executive Vice President and Chief Financial Officer

Date:January 28, 2026

fico-202511050000814547false00008145472025-11-052025-11-05

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported) November 5, 2025

FAIR ISAAC CORPORATION

(Exact name of registrant as specified in its charter)

Delaware

1-11689

94-1499887

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification Number)

5 West Mendenhall, Suite 105 Bozeman,Montana59715 (Address of principal executive offices)(Zip Code)

Registrant’s telephone number, including area code 406-982-7276 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, $0.01 par value per shareFICONew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b‑2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

TABLE OF CONTENTS

Item 2.02. Results of Operations and Financial Condition. Item 9.01. Financial Statements and Exhibits. Exhibit 99.1 Signature

Item 2.02. Results of Operations and Financial Condition.

On November 5, 2025, Fair Isaac Corporation (the “Company”) reported its financial results for the quarter ended September 30, 2025. See the Company’s press release dated November 5, 2025, which is furnished as Exhibit 99.1 hereto and incorporated by reference in this Item 2.02.

Item 9.01    Financial Statements and Exhibits. (d) Exhibits.

ExhibitDescription 99.1Press Release dated November 5, 2025

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FAIR ISAAC CORPORATION

By: /s/ STEVEN P. WEBER Steven P. Weber Executive Vice President and Chief Financial Officer

Date:November 5, 2025