FICO 10-Q Quarterly Reports

Fair Isaac Corporation (FICO) reported strong financial results for the quarter and nine months ended June 30, 2026. Total revenues increased by 26% year-over-year for the quarter and 27% for the nine-month period, driven significantly by a 41% surge in the Scores segment, which reached $458.9 million in the quarter. The Software segment also saw a 2% revenue increase, with Annual Recurring Revenue (ARR) growing to $815.8 million, and a healthy Dollar-Based Net Retention Rate (DBNRR) of 109%. Net income and diluted Earnings Per Share (EPS) showed robust growth, up 30% and 41% respectively for the quarter. The company's operational efficiency is highlighted by improvements in operating income, which grew by 38% for the quarter, even as interest expenses increased due to higher debt levels. Significant capital allocation was directed towards share repurchases, including a substantial Accelerated Share Repurchase (ASR) program. Financially, FICO strengthened its balance sheet with increased cash on hand. However, total debt also rose significantly to $5.6 billion, largely due to new term loans and senior note issuances to fund debt repayment and share repurchases. The company's cash flow from operations also showed a healthy increase of $222.7 million for the nine months ended June 30, 2026, indicating strong underlying business performance. FICO's strategic focus on its core analytics and scoring solutions continues to drive growth, with the Scores segment showing particularly impressive momentum.

Fair Isaac Corporation (FICO) reported strong financial performance for the quarter and six months ended March 31, 2026. Total revenues surged by 39% year-over-year for the quarter and 28% for the six-month period, driven by significant growth in the Scores segment, which saw a 60% increase in quarterly revenue. The Software segment also demonstrated growth, with its SaaS revenue component increasing and a healthy Dollar-Based Net Retention Rate of 109%. Profitability improved substantially, with operating income rising 64% and net income increasing 63% for the quarter. Diluted Earnings Per Share (EPS) also saw a significant boost, up 69% year-over-year for the quarter. The company's balance sheet strengthened, with cash and cash equivalents increasing to $219.4 million. FICO also actively managed its capital structure, issuing new senior notes and repurchasing a substantial amount of its common stock, reflecting confidence in its financial position and commitment to returning value to shareholders.

Fair Isaac Corporation (FICO) reported strong revenue growth driven primarily by its Scores segment, which saw a 29% increase year-over-year, reaching $304.5 million. This growth was attributed to higher unit pricing and increased mortgage origination volumes in their business-to-business scores, as well as increased royalties from business-to-consumer scores. Total revenues for the quarter rose 16% to $512.0 million, demonstrating robust top-line performance. While the Scores segment excelled, the Software segment experienced a modest 2% revenue increase, with growth in SaaS for Platform products partially offset by a decrease in higher-margin software recognized at a point in time. Profitability also saw a significant improvement, with operating income increasing 30% to $234.0 million, largely due to the strong performance of the Scores segment. Net income grew 4% to $158.4 million, and diluted Earnings Per Share (EPS) rose 8% to $6.61. The company's financial position remains solid, with $162.0 million in cash and cash equivalents and a revolving credit facility of $1.0 billion. FICO continues its share repurchase program, demonstrating confidence and returning capital to shareholders. The company anticipates sufficient liquidity to fund its operations and upcoming debt obligations.

Fair Isaac Corporation (FICO) reported a strong third quarter for fiscal year 2025, demonstrating robust revenue growth and improved profitability. Total revenues increased by 20% year-over-year to $536.4 million, driven primarily by a significant 34% surge in the Scores segment. This segment's growth was fueled by higher business-to-business scores revenue, benefiting from increased mortgage origination volumes and a key insurance score product renewal. The company also reported substantial increases in net income, up 44% to $181.8 million, and diluted Earnings Per Share (EPS), which rose 47% to $7.40. This performance was supported by strong operating income growth of 38% and improved operating leverage, with operating expenses growing at a slower pace than revenues. FICO's financial health is further underscored by a healthy increase in cash flow from operations and a strengthened balance sheet following a significant debt issuance and repayment. Key financial metrics reflect positive operational momentum, including growth in Annual Recurring Revenue (ARR) for the Software segment and a solid Dollar-Based Net Retention Rate (DBNRR) of 103%. The company also actively returned capital to shareholders through substantial share repurchases. FICO's outlook remains positive, with management expressing confidence in its ability to fund operations and future growth initiatives.

Fair Isaac Corporation (FICO) reported robust financial performance for the quarter and six months ended March 31, 2025, demonstrating significant year-over-year growth across key metrics. Total revenues increased by 15% to $498.7 million for the quarter and $938.7 million for the six-month period, driven primarily by a strong performance in the Scores segment, which saw a 25% revenue increase for the quarter and 24% for the six months. This growth was largely attributed to higher unit prices and increased royalties from scores sold indirectly to consumers. The company also maintained healthy profitability, with operating income up 26% and net income up 25% for the quarter. Diluted EPS saw a notable increase of 28% year-over-year for both periods. FICO continues to actively manage its capital, evidenced by substantial share repurchases totaling $366.8 million in the first six months of the fiscal year under its $1 billion repurchase program. Despite increased debt levels, the company maintains compliance with its financial covenants and sufficient liquidity to fund operations.

Fair Isaac Corporation (FICO) reported a strong fiscal second quarter for 2025, demonstrating robust top-line growth and improved profitability. Total revenues increased by 15% year-over-year to $440.0 million, driven significantly by a 23% surge in the Scores segment to $235.7 million, fueled by higher pricing and volume in mortgage originations. The Software segment also showed healthy growth, with on-premises and SaaS software revenue up 10%, contributing to an 8% overall increase in Software segment revenue. This revenue growth translated into substantial bottom-line improvement, with operating income rising 19% to $179.5 million and net income increasing by 26% to $152.5 million. Diluted earnings per share (EPS) saw a notable 28% jump to $6.14. From a financial health perspective, FICO generated strong operating cash flows of $194.0 million, a significant increase from the prior year's quarter, and ended the period with a healthy cash and cash equivalents balance of $184.3 million. The company continued its commitment to returning capital to shareholders, significantly increasing share repurchases to $159.7 million. While total debt increased to $2.4 billion, largely due to increased borrowings under the revolving credit facility, the company remains in compliance with its financial covenants, indicating a stable liquidity position. Overall, the results reflect effective execution across both business segments and strong financial management.

Fair Isaac Corporation (FICO) reported a solid fiscal third quarter for 2024, demonstrating robust revenue growth driven by its Scores segment. Total revenues increased by 12% year-over-year for both the quarter and the first nine months, reaching $447.8 million and $1.3 billion, respectively. The Scores segment, in particular, saw a substantial 20% revenue increase in the quarter, highlighting strong demand for its B2B scoring solutions. While the company maintained strong operating income growth, net income and diluted Earnings Per Share (EPS) saw a slight decrease in the current quarter compared to the prior year, though they remain strong for the nine-month period. FICO continues to actively manage its capital structure, significantly increasing its share repurchases during the nine months. The company also secured an additional $450 million term loan, enhancing its liquidity. Management anticipates sufficient resources to fund operations and anticipates continued growth.

Fair Isaac Corporation (FICO) reported a strong third quarter for fiscal year 2024, demonstrating robust revenue growth and improved profitability. Total revenues increased by 14% year-over-year to $433.8 million, driven primarily by a significant 19% surge in the Scores segment, which reached $236.9 million. The Software segment also showed solid performance with an 8% revenue increase to $196.9 million, supported by a 15% rise in on-premises and SaaS software revenue, though professional services saw a decline as part of the company's strategic focus on higher-margin software offerings. Profitability metrics saw substantial improvement, with operating income up 22% to $194.8 million and net income rising 28% to $129.8 million. Diluted Earnings Per Share (EPS) increased by 29% to $5.16. The company also highlighted strong operational cash flow of $193.2 million for the first six months of the fiscal year. FICO continued its commitment to returning capital to shareholders, with significant share repurchases totaling $179.5 million during the quarter. The company maintains a solid financial position with $135.7 million in cash and cash equivalents and adequate liquidity to meet its obligations and fund future growth initiatives.

Fair Isaac Corporation (FICO) reported strong financial performance for the quarter ended December 31, 2023. Total revenues increased by 11% year-over-year to $382.1 million, driven by robust growth in both the Scores and Software segments. The Scores segment saw an 8% increase, primarily due to higher business-to-business scores revenue, while the Software segment experienced a significant 14% revenue growth, boosted by on-premises and SaaS software sales, with Annual Recurring Revenue (ARR) growing 18% year-over-year to $687.7 million. Profitability also showed substantial improvement, with net income rising 24% to $121.1 million and diluted Earnings Per Share (EPS) increasing by 25% to $4.80. This growth was supported by effective cost management, as operating expenses increased at a slower pace than revenue. The company generated strong operating cash flow of $122.1 million, demonstrating its ability to fund operations and growth initiatives. Furthermore, FICO announced a new, open-ended $500 million stock repurchase program, signaling confidence in its future prospects and commitment to returning value to shareholders.

Fair Isaac Corporation's (FICO) 10-Q filing for the quarter ended September 15, 2023, primarily details executive trading plans under Rule 10b5-1. Two key executives, Eva Manolis (Board of Directors) and James Wehmann (EVP, Scores), have implemented pre-arranged plans for the sale of company stock, totaling up to 7,692 and 8,508 shares respectively. These plans are designed to comply with regulatory requirements and are set to conclude by May 2024, or upon the sale of all allocated shares. While this filing does not provide detailed financial performance metrics for the quarter, it highlights the company's adherence to transparent insider trading practices. Investors should note these planned stock sales by senior personnel, which, while executed under established plans, represent potential future selling pressure on the stock. The filing also references various incorporated exhibits related to the company's charter, by-laws, and executive compensation agreements.

Fair Isaac Corporation (FICO) reported a strong fiscal third quarter for 2023, demonstrating robust revenue and profit growth driven by its core business segments. Total revenues increased by 14% year-over-year to $398.7 million, with the Scores segment growing 13% to $201.8 million and the Software segment showing a significant 16% increase to $196.9 million. This top-line growth translated into substantial bottom-line improvement, with operating income rising 26% to $177.0 million and net income surging 38% to $128.8 million. Diluted Earnings Per Share (EPS) saw a healthy 41% increase to $5.08, reflecting effective cost management and operational efficiency. The company's Software segment continues to be a key growth driver, evidenced by a 20% increase in Annual Recurring Revenue (ARR) to $645.9 million and a strong Dollar-Based Net Retention Rate (DBNRR) of 117%. This indicates FICO's ability to retain and expand revenue from its existing software customer base. While operating cash flow for the first nine months was slightly lower year-over-year, the company maintained a healthy cash position and managed its debt effectively, demonstrating financial stability. Investors can take comfort in FICO's consistent revenue growth, improving profitability, and strong customer retention in its software offerings.

Fair Isaac Corporation (FICO) reported solid revenue growth in its fiscal second quarter and the first half of 2023, driven by its Scores and Software segments. Total revenues increased by 6% and 7% respectively for the quarter and six-month periods compared to the prior year. The Scores segment saw an 8% revenue increase in the quarter, largely due to higher business-to-business pricing, while the Software segment demonstrated robust growth with a 17% increase in Annual Recurring Revenue (ARR) and a strong Dollar-Based Net Retention Rate (DBNRR) of 114% in the quarter. Profitability remained strong, with operating income up 5% for the quarter and 12% for the six-month period. While net income saw a slight decrease of 3% in the quarter, it increased by 5% for the six-month period, reflecting ongoing investments and a shift in R&D focus. The company maintained a healthy balance sheet, with total debt remaining stable at $1.9 billion, and continued to return capital to shareholders through share repurchases, although at a reduced pace compared to the prior year. FICO's outlook suggests continued sufficiency of its cash flows and credit facilities to fund operations and future growth.

Fair Isaac Corporation (FICO) reported a solid performance for the quarter ended December 31, 2022, with total revenues increasing by 7% year-over-year to $344.9 million. This growth was driven by a 5% increase in the Scores segment and a strong 9% rise in the Software segment's revenue, which includes both on-premises and SaaS offerings. The company also demonstrated robust operating income growth of 21% and a 15% increase in net income, resulting in diluted Earnings Per Share (EPS) of $3.84, up 24% from the prior year period. Key financial metrics highlight the company's positive trajectory. Annual Recurring Revenue (ARR) for the Software segment saw an 11% increase, and the Dollar-Based Net Retention Rate (DBNRR) remained strong at 110%, indicating effective customer retention and expansion. While cash flow from operations decreased compared to the prior year, the company maintains a healthy cash position and ample borrowing capacity. Management expects these resources to be sufficient for operational needs and future growth initiatives.

Fair Isaac Corporation (FICO) reported total revenues of $349.0 million for the third quarter of fiscal year 2022, a 3% increase year-over-year. This growth was driven by a 4% increase in the Scores segment and a 2% increase in the Software segment. Despite revenue growth, net income for the quarter decreased by 38% to $93.5 million, largely due to the absence of significant gains from asset sales and business divestitures that boosted the prior year's results. Diluted Earnings Per Share (EPS) also saw a 30% decrease to $3.61. Operationally, the company demonstrated strong performance in its recurring revenue streams. The Software segment's Annual Recurring Revenue (ARR) increased by 9% year-over-year to $560.9 million, and its Dollar-Based Net Retention Rate (DBNRR) remained robust at 108%. Cash flow from operations for the nine months ended June 30, 2022, increased to $364.6 million, indicating healthy operational cash generation. However, total debt increased significantly to $1.96 billion, driven by new debt issuances.

Fair Isaac Corporation (FICO) reported solid financial results for the quarter and six months ended March 31, 2022, demonstrating continued revenue growth and improved profitability. Total revenues increased by 8% in the quarter and 6% year-to-date, driven by strong performance in the Scores segment which saw a 9% and 13% increase respectively, and a healthy 7% increase in the Software segment's on-premises and SaaS revenue. Profitability saw significant improvement, with operating income up 50% and net income up 52% for the quarter. Diluted EPS also saw a substantial increase of 70% in the quarter. The company's financial health is further supported by robust operating cash flows, although total debt increased due to recent debt issuances to fund various corporate activities, including share repurchases which remained significant. FICO's strategic focus on its FICO® Platform and strong customer retention, as evidenced by its Dollar-Based Net Retention Rate, positions it well for continued growth.

Fair Isaac Corporation (FICO) reported solid revenue growth in the fourth quarter of fiscal year 2021, driven primarily by a significant increase in its Scores segment. Total revenues rose by 3% year-over-year to $322.4 million, with the Scores segment revenue growing by an impressive 17% to $169.5 million. This growth was attributed to strong performance in both business-to-business and business-to-consumer score offerings. The Software segment, however, experienced a 9% decline in revenue to $152.9 million, largely due to a strategic shift away from lower-margin professional services and the divestiture of the C&R business. Despite the Software segment's revenue dip, the company demonstrated strong operational efficiency, with total operating expenses decreasing by 5% and operating income increasing by 22% to $115.6 million. The company maintained a healthy cash flow from operations, generating $124.9 million in the quarter, up significantly from $77.9 million in the prior year. However, cash and cash equivalents decreased to $162.2 million from $195.4 million sequentially, partly due to substantial share repurchases totaling $493.6 million during the quarter, reflecting a commitment to returning capital to shareholders. FICO also strengthened its balance sheet by issuing $550 million in senior notes, increasing its total debt to $1.65 billion. The company's outlook remains positive, with continued focus on its strategic investments and capital allocation priorities.

Fair Isaac Corporation (FICO) reported strong revenue growth in its third quarter of fiscal year 2021, driven primarily by its high-margin Scores segment. Total revenues increased by 8% year-over-year to $338.2 million. The Scores segment saw a significant 31% increase in revenue, reaching $172.2 million, fueled by both business-to-business and business-to-consumer offerings. This robust performance in the Scores segment, coupled with a notable gain from the divestiture of its Collections and Recovery (C&R) business, led to a substantial increase in profitability. Net income surged by 136% to $151.2 million for the quarter. The company also continued its commitment to returning capital to shareholders, repurchasing $246.0 million of common stock during the nine months ended June 30, 2021, including a $200.0 million accelerated share repurchase agreement. FICO's balance sheet remains solid, with substantial cash and cash equivalents, though the company is strategically shifting its focus towards its FICO Decision Management Platform products, which impacts revenue recognition timing for certain software sales but is expected to drive future growth.

Fair Isaac Corporation (FICO) reported solid revenue growth and improved profitability for the quarter and six months ended March 31, 2021. Total revenues increased by 8% year-over-year for the quarter and 6% for the six-month period, primarily driven by strong performance in the Scores segment, which saw revenue growth of 31% and 28% respectively. This growth was fueled by increased demand in both business-to-business and business-to-consumer offerings. The company also highlighted a strategic shift towards emphasizing software over services, impacting revenue recognition timing for term license subscriptions but not overall cash flows. Operating income saw significant increases, up 34% for the quarter and 54% for the six-month period, reflecting improved efficiencies and the strong performance of the Scores segment, partially offset by decreases in the Applications and Decision Management Software segments. FICO continued to return value to shareholders through its stock repurchase program, repurchasing significant shares and maintaining a strong liquidity position with a substantial cash balance and an undrawn revolving line of credit. The company also announced its agreement to divest its Collections and Recovery (C&R) business to further focus on its core Decision Management Platform.

Fair Isaac Corporation (FICO) reported a strong quarter ended December 31, 2020, with total revenues increasing by 5% year-over-year to $312.4 million. This growth was primarily driven by a significant 26% surge in the Scores segment, which reached $144.7 million in revenue. The company demonstrated improved profitability, with operating income rising 83% to $94.7 million and net income increasing 57% to $86.5 million. This performance was supported by effective cost management, including a notable 16% reduction in Selling, General, and Administrative expenses, partly due to COVID-19 related measures and strategic cost initiatives. Despite a transitional shift in software revenue recognition impacting the Applications and Decision Management Software segments, FICO maintained a healthy cash flow from operations of $77.9 million. The company also continued its commitment to shareholder value through a $50.0 million stock repurchase program during the quarter. FICO’s balance sheet remains solid, with sufficient liquidity and compliance with debt covenants, indicating a stable financial position heading into the next fiscal year. The company's focus on its decision management strategy and cloud-enabled solutions positions it for continued growth, although potential headwinds from the ongoing pandemic and industry shifts are acknowledged.

Fair Isaac Corporation (FICO) reported stable revenues for the quarter ended June 30, 2020, compared to the prior year quarter, with an 8% increase for the nine-month period, driven by strong performance in its Scores segment. Net income remained consistent year-over-year for the quarter. However, the company saw a decrease in operating income for the quarter, while it increased for the nine-month period, bolstered by higher excess tax benefits from stock-based compensation. FICO's 'Scores' segment continued its robust growth, increasing revenue by 14% for the quarter and 23% for the nine months, demonstrating sustained demand for its credit scoring solutions. The 'Applications' segment experienced a revenue decline, primarily due to a large multi-year license renewal in the prior year. The company also highlighted its ongoing cloud-first strategy, with cloud revenues showing a healthy increase. Liquidity remains strong, supported by operating cash flows and a revolving credit facility. FICO continues to return value to shareholders through its stock repurchase program, announcing a new $250 million program. The company acknowledges the potential impacts of COVID-19 but has managed its operations effectively through initial disruptions.

Fair Isaac Corporation (FICO) reported strong financial results for the quarter ended March 31, 2020, with total revenues increasing by 11% year-over-year to $308.0 million. This growth was primarily driven by a significant 24% increase in the Scores segment, which benefited from higher unit prices and increased mortgage volumes. Net income saw a substantial 75% surge to $58.3 million, largely due to the robust revenue growth, improved operating margins, and favorable excess tax benefits related to stock-based compensation. The company continued its commitment to returning value to shareholders through a stock repurchase program, demonstrating financial health and confidence in future prospects, even while navigating the emerging uncertainties of the COVID-19 pandemic.

Fair Isaac Corporation (FICO) reported strong revenue growth and improved profitability for the quarter ended December 31, 2019. Total revenues increased by 14% year-over-year, driven significantly by the "Scores" segment, which saw a 34% surge. This robust performance was also supported by growth in "Applications" and "Decision Management Software" segments, with a notable 16% increase in cloud revenues as the company continues its cloud-first strategy. Net income saw a substantial 37% increase, largely due to higher operating income and a significant increase in excess tax benefits related to stock-based compensation. The company also continued to return value to shareholders through its stock repurchase program, repurchasing $60.0 million of common stock during the quarter. FICO maintains a solid liquidity position, with ample cash and an available revolving line of credit to fund operations and upcoming debt obligations.

Fair Isaac Corporation (FICO) reported strong financial performance for the quarter and nine months ended June 30, 2019. Total revenues increased by 23% year-over-year for the quarter and 15% for the nine-month period, reaching $314.2 million and $854.7 million, respectively. This growth was driven by a significant expansion in the Scores segment, which saw a 27% increase in quarterly revenue and a 24% increase in nine-month revenue, alongside continued growth in the Applications and Decision Management Software segments. Profitability also saw substantial improvements, with operating income surging by 92% for the quarter and 43% for the nine months, leading to a 116% and 47% increase in net income, respectively. The company's robust performance is underpinned by its successful Decision Management strategy, with a particular emphasis on cloud-based offerings and strong performance in its core credit scoring solutions. FICO also continues to demonstrate a commitment to enhancing shareholder value through its stock repurchase program, repurchasing $59.2 million worth of shares in the quarter and $178.9 million year-to-date. The company maintains a healthy liquidity position with $78.8 million in cash and cash equivalents and an available $400 million revolving line of credit, sufficient to cover upcoming debt obligations and operational needs.

Fair Isaac Corporation (FICO) reported solid financial performance for the quarter ended March 31, 2019. Total revenues increased by 9% year-over-year to $278.2 million, driven by strong growth in the Scores segment, which saw a 20% revenue increase. The company's 'Decision Management' strategy continues to show promise, with revenues from Applications and Decision Management Software segments also seeing positive growth. Net income for the quarter rose by 7% to $33.4 million. The company's operating income also saw a healthy increase of 5% to $48.5 million. FICO continued to return value to shareholders through its stock repurchase program, repurchasing $37.0 million worth of shares during the quarter. The company's liquidity remains strong, supported by operating cash flows and an available revolving line of credit.

Fair Isaac Corporation (FICO) reported solid financial results for the quarter ended December 31, 2018, with total revenues increasing by 13% year-over-year to $262.3 million. This growth was primarily driven by a strong performance in the Scores segment, which saw a 25% increase in revenue, and continued growth in cloud-based offerings across other segments. The company demonstrated improved operational efficiency, with operating income rising 33% to $49.0 million, leading to a 22% increase in net income to $40.0 million. FICO continues to execute its Decision Management strategy, with a notable increase in bookings, particularly in transactional and maintenance revenue streams. The company also actively returned capital to shareholders, repurchasing approximately $82.7 million of its common stock during the quarter. Management expressed confidence in the company's ability to fund its operations and meet its obligations through operating cash flows and its revolving line of credit, with no significant debt maturities in the near term.

Fair Isaac Corporation (FICO) reported a strong third quarter for fiscal year 2018, with total revenues increasing by 12% year-over-year to $259.5 million. This growth was primarily driven by a significant 32% increase in the Scores segment, highlighting the continued demand for FICO's credit scoring solutions. The Applications segment also showed steady growth of 6%, contributing to an overall robust performance. Net income rose by 28% to $32.4 million, demonstrating effective operational management and the positive impact of revenue growth. The company also highlighted its ongoing commitment to returning value to shareholders through its stock repurchase program. Financially, FICO maintained a healthy liquidity position with $119.9 million in cash and cash equivalents and an undrawn portion of its revolving credit facility. The company successfully issued $400 million in senior notes in May 2018, which were used to repay existing debt and bolster its capital structure. While the company continues to invest in research and development and its cloud-first strategy, it also managed operating expenses effectively, with cost of revenues and SG&A growing at a pace generally in line with revenue increases. Overall, FICO demonstrated solid financial performance and strategic execution during the quarter.

Fair Isaac Corporation (FICO) reported solid financial results for the quarter and six months ended March 31, 2018. Total revenues saw a significant increase, driven primarily by strong performance in the Scores segment and continued growth in cloud-based offerings within the Applications and Decision Management Software segments. The company demonstrated robust operating income growth, although net income for the six-month period saw a slight decrease year-over-year, largely due to the impact of the Tax Cuts and Jobs Act. FICO continues to prioritize returning capital to shareholders through its stock repurchase program. Operationally, the company's strategic focus on Decision Management (DM) is progressing, with an increasing emphasis on cloud-first strategies. The Scores segment, in particular, showed substantial revenue and operating income growth. Despite some revenue declines in the Decision Management Software segment, overall revenue growth was positive. FICO's financial position remains strong, supported by healthy cash flows from operations and a substantial revolving credit facility, enabling the company to meet its liquidity needs and pursue strategic initiatives.

Fair Isaac Corporation (FICO) reported its fiscal second-quarter 2018 results, showing a 7% increase in total revenues to $235.3 million, driven primarily by strong performance in the Scores segment, which saw an 18% revenue jump. The company's cloud-first strategy continues to show traction, with cloud revenues growing to $56.6 million. While operating income increased by 14% to $39.9 million, net income experienced a significant 28% decrease to $27.3 million. This decline was largely due to the impact of the Tax Cuts and Jobs Act enacted in December 2017, which resulted in substantial income tax expenses related to deferred tax assets and a deemed repatriation transition tax. FICO demonstrated a continued commitment to shareholder value through its stock repurchase program, buying back $49.6 million worth of shares during the quarter, with $237.0 million remaining authorization. The company also amended its credit agreement, increasing its revolving line of credit to $600 million, providing ample liquidity for operational needs and potential future investments. Despite the net income dip, the underlying operational performance, particularly in the key Scores segment and the growing cloud business, indicates continued strategic execution by FICO.

Fair Isaac Corporation (FICO) reported its second-quarter 2017 financial results, showcasing resilience in its core business segments despite an overall revenue decrease. Total revenues for the quarter ended June 30, 2017, were $231.0 million, a 3% decrease from $238.8 million in the prior year's quarter, primarily driven by a decline in the Applications and Decision Management Software segments. However, the Scores segment demonstrated robust growth, with revenues increasing by 14% year-over-year to $69.5 million, highlighting the sustained demand for FICO's credit scoring solutions. Net income for the quarter was $25.2 million, a decrease from $35.0 million in the same period last year, resulting in diluted earnings per share of $0.78 compared to $1.08. This decrease was influenced by increased costs in certain segments and a one-time charge related to restructuring. The company also announced a shift in capital allocation strategy, discontinuing cash dividends in favor of increased share repurchases, and as of June 30, 2017, had $109.5 million remaining under its stock repurchase program. FICO's liquidity remains strong, with substantial cash and cash equivalents and an expanded revolving line of credit.

Fair Isaac Corporation (FICO) reported solid financial results for the quarter ended March 31, 2017, demonstrating continued revenue growth across its key segments and an improvement in profitability. Total revenues increased by 10% year-over-year, driven by strong performance in the Applications and Decision Management Software segments, with Scores also showing consistent growth. The company highlighted robust operational income growth, benefiting from increased revenues and effective cost management, though some segments saw increased operating expenses due to strategic investments in sales, product delivery, and infrastructure. FICO also continued to return value to shareholders through its share repurchase program, indicating a commitment to enhancing shareholder returns. The company maintains a strong liquidity position and adequate capital resources to fund its operations and obligations.

Fair Isaac Corporation (FICO) reported solid financial results for the quarter ending December 31, 2016. Total revenues increased by 10% year-over-year to $219.6 million, driven by strong performance in the Applications and Scores segments. The company demonstrated robust profitability, with net income more than doubling to $37.9 million, largely due to the adoption of a new accounting standard for share-based payments which reduced income tax expense. FICO continues to return value to shareholders through its stock repurchase program, repurchasing $30.4 million in shares during the quarter, with $199.6 million remaining under its authorization. The company's operating income also saw a healthy increase of 13% to $34.9 million. While the Decision Management Software segment experienced an operating loss, this was attributed to increased investments in sales, distribution, and cloud infrastructure. FICO maintains a strong liquidity position with $88.1 million in cash and cash equivalents and an undrawn portion of its revolving credit facility, enabling it to meet its financial obligations, including an upcoming senior note principal payment.

Fair Isaac Corporation (FICO) reported solid financial performance for the quarter and nine months ended June 30, 2016. Total revenues increased by 14% and 7% respectively compared to the prior year periods, driven by growth across its Applications, Scores, and Tools segments. The company demonstrated improved profitability, with operating income rising significantly by 49% year-over-year for the quarter and 29% for the nine-month period, leading to a substantial increase in net income. This strong operational performance was supported by effective cost management and increased revenue from transactional and maintenance services. FICO also highlighted its commitment to shareholder value through a new $250 million stock repurchase program approved in July 2016. Liquidity remains strong with $118.2 million in cash and cash equivalents and an available $400 million revolving credit facility. The company is well-positioned to fund its operations and strategic initiatives, with a clear focus on its Decision Management strategy and continued investment in distribution capabilities.

Fair Isaac Corporation (FICO) reported a modest increase in total revenues for the six months ended March 31, 2016, compared to the same period in the prior year, driven by growth in its Scores and Applications segments, partially offset by a decline in Tools. The company demonstrated improved profitability with a significant increase in operating income due to effective cost management, particularly a reduction in cost of revenues and a strategic shift in investment from product development to distribution capabilities. FICO also continued to return capital to shareholders through its stock repurchase program, while maintaining compliance with its debt covenants and having sufficient liquidity to meet its financial obligations. Key financial highlights include a 3% increase in revenue for the six months ended March 31, 2016, reaching $406.8 million. Operating income saw a robust 17% increase to $69.4 million, driven by a 12% increase in operating margin. The company's balance sheet remains stable with $85.4 million in cash and cash equivalents and $78.3 million in net cash provided by operating activities for the period. The "Scores" segment, particularly consumer-facing FICO® Scores, showed strong performance, indicating a positive market reception for these offerings.

Fair Isaac Corporation (FICO) reported solid financial results for the quarter ended December 31, 2015. Total revenues increased by 6% year-over-year to $200.1 million, driven primarily by a strong performance in the Scores segment, which saw a 27% revenue increase. This growth was largely attributed to the success of new consumer-facing initiatives and increased business-to-business scoring revenue. The Applications segment also showed positive growth of 4%, boosted by compliance solutions following the TONBELLER acquisition. Profitability saw a significant improvement, with operating income rising 24% to $30.8 million and net income increasing 34% to $19.2 million. This was supported by effective cost management, particularly a decrease in cost of revenues as a percentage of total revenue. FICO also continued to return value to shareholders by repurchasing $28.4 million of its common stock during the quarter. The company's liquidity position remains strong with $90.7 million in cash and cash equivalents and an undrawn revolving line of credit, positioning it well for future operations and strategic investments.

Fair Isaac Corporation (FICO) reported its results for the quarter and nine months ended June 30, 2015. Total revenues increased by 6% for the nine-month period to $606 million, driven by growth in all segments, particularly Scores and Tools. The acquisition of TONBELLER in January 2015 contributed to revenue growth in the Applications segment. Net income for the nine months decreased by 9% to $53.2 million compared to the prior year, primarily due to increased cost of revenues and research & development expenses. The company's cash position remains strong, with $84.4 million in cash and cash equivalents as of June 30, 2015, and ample capacity under its revolving credit facility to fund operations and strategic initiatives. FICO continues to invest in growth initiatives, including cloud computing and SaaS offerings, and strategic acquisitions. The company also returned capital to shareholders through its stock repurchase program, repurchasing $130.7 million worth of stock in the nine-month period. The company's outlook remains positive, with management expecting continued revenue growth and stable operating expenses as a percentage of revenue in the coming quarters.

Fair Isaac Corporation (FICO) reported solid revenue growth for the quarter ended March 31, 2015, with total revenues increasing by 12% year-over-year to $207.1 million. This growth was primarily driven by strong performance in the Applications segment, which saw a significant 16% increase in revenue, largely attributed to multi-year license transactions in fraud solutions and contributions from the recent acquisition of TONBELLER. The company also saw an increase in its Scores segment, buoyed by a new agreement with Experian. Despite revenue growth, net income for the quarter decreased by 9% to $18.9 million, or $0.58 per diluted share, compared to the prior year's quarter. This decline was influenced by higher operating expenses, particularly a 22% increase in cost of revenues and a 24% rise in research and development expenses, reflecting continued investment in cloud computing, SaaS, and new product development. The company also repurchased a substantial amount of its stock during the period, indicating a commitment to shareholder returns.

Fair Isaac Corporation (FICO) reported revenues of $189.55 million for the quarter ended December 31, 2014, a 3% increase from $184.34 million in the same quarter of the previous year. While overall revenue growth was modest, the company saw a significant increase in the Tools segment (+19%), driven by a substantial boost in license revenue due to a one-time settlement. The Applications segment also grew by 3%, whereas the Scores segment experienced a 7% decline in revenue, primarily due to lower business-to-business Scores revenue and a decrease in myFICO.com direct sales and royalties. Profitability faced pressure, with net income decreasing by 15% to $14.4 million from $17.0 million year-over-year. This was largely due to increased operating expenses, particularly in Cost of Revenues (+16%) and Research and Development (+25%), reflecting investments in cloud computing, SaaS, and new product development, as well as higher personnel costs. The company also saw a significant decrease in its effective tax rate from 37.5% to 21.4%, primarily due to the retroactive extension of the U.S. Federal Research and Development Credit.

Fair Isaac Corporation (FICO) reported solid revenue growth for the third quarter of fiscal year 2014, with total revenues increasing by 8% year-over-year to $197.6 million. This growth was primarily driven by the Applications segment, which saw a 13% increase in revenue, particularly in fraud and marketing solutions. The company also demonstrated strong operational performance, with net income rising by 5% to $20.5 million. FICO continues to invest in its cloud and SaaS capabilities, evidenced by a 25% increase in Research and Development expenses, signaling a strategic focus on future growth. Financially, FICO maintained a healthy liquidity position with $93.1 million in cash and cash equivalents. The company actively managed its capital structure by repurchasing $94.0 million of its common stock during the quarter, underscoring a commitment to shareholder returns. While overall expenses increased, the company managed to improve its operating income by 3% year-over-year, indicating effective cost management despite strategic investments.

Fair Isaac Corporation (FICO) reported its financial results for the quarter and six months ended March 31, 2014. Total revenues for the quarter increased by 3% to $185.5 million, and for the six months by a marginal 0.1% to $369.8 million. Net income for the quarter saw a robust 12% increase to $20.8 million, although net income for the six-month period decreased by 10% to $37.7 million compared to the prior year. The company's 'Scores' segment demonstrated strong growth, with revenues up 9% for the quarter and 9% year-to-date. Investments in research and development increased significantly, particularly in cloud computing and SaaS initiatives, signaling a strategic focus on future growth areas. Cash flow from operations remained strong, providing $75.1 million for the six months. FICO also continued its commitment to shareholder returns through stock repurchases, with approximately $65 million spent on buybacks during the first six months of the fiscal year, and a new $150 million repurchase program approved in April 2014. The acquisition of InfoCentricity in early April 2014 for $8.3 million further indicates FICO's strategic intent to broaden its predictive analytics capabilities. Overall, the report highlights steady revenue growth and increased profitability at the quarterly level, coupled with strategic investments for future expansion.

Fair Isaac Corporation (FICO) reported its financial results for the quarter ended December 31, 2013. Total revenues decreased by 3% year-over-year to $184.3 million. This decline was primarily driven by a 61% drop in license revenue within the Applications segment, although this was partially offset by growth in the Scores and Tools segments. Operating income decreased by 18% to $35.3 million, reflecting lower revenues and increased investment in research and development, particularly in cloud computing and SaaS. Net income saw a significant decrease of 28% to $17.0 million, or $0.47 per diluted share, compared to $23.4 million, or $0.65 per diluted share, in the prior year quarter. The company continued its stock repurchase program, spending $25.0 million during the quarter, and maintained a consistent dividend payment of $0.02 per share.

Fair Isaac Corporation (FICO) reported its quarterly results for the period ending June 30, 2013. The company demonstrated revenue growth across its segments, with a notable increase in the Applications segment driven by acquisitions and its mobility solutions. Overall revenues for the quarter rose by 15% year-over-year, signaling positive momentum in the company's Decision Management strategy. While revenues saw a healthy increase, operating income for the quarter experienced a slight decrease primarily due to higher operating expenses, including increased amortization costs associated with recent acquisitions and higher research and development spending. The company also saw a decrease in net income for the quarter compared to the prior year. Despite these expense pressures, FICO maintained a strong cash position and continued its focus on strategic growth initiatives, including further acquisitions.

Fair Isaac Corporation (FICO) reported its first quarter 2013 results, showing a 12% increase in total revenues to $179.3 million compared to the same period last year. This growth was primarily driven by the Applications segment, which saw a 22% increase in revenue, boosted by acquisitions and strong performance in mobility and fraud solutions. Despite revenue growth, net income for the quarter decreased by 8% to $18.5 million, or $0.51 per diluted share, primarily due to increased operating expenses, including higher cost of revenues and selling, general, and administrative costs, largely influenced by recent acquisitions. The company maintained a strong liquidity position with $131.2 million in cash and cash equivalents and an undrawn revolving line of credit.

Fair Isaac Corporation (FICO) reported its quarterly results for the period ending December 31, 2012. The company demonstrated revenue growth of 12% year-over-year, reaching $190 million. This growth was primarily driven by the Applications segment, which saw a 13% increase in revenue, partly due to the recent acquisition of Adeptra. Despite the revenue increase, operating income declined by 17% to $43 million. This decline was influenced by a significant increase in operating expenses, including higher cost of revenues, selling, general, and administrative expenses, and a substantial rise in restructuring and acquisition-related costs. FICO's balance sheet shows an increase in cash and cash equivalents to $90.8 million, up from $71.6 million in the prior quarter, indicating improved liquidity. The company also reported a significant increase in goodwill, largely attributed to the CR Software acquisition. While the company faces challenges related to increased operating expenses and integration costs from acquisitions, the consistent revenue growth, particularly in the Applications segment, suggests ongoing demand for its decision management solutions.

Fair Isaac Corporation (FICO) reported total revenues of $160.5 million for the quarter ended June 30, 2012, a 7% increase from $150.7 million in the same quarter of the prior year. This growth was primarily driven by a strong performance in the Applications segment, which saw a 7% revenue increase, fueled by significant growth in license revenue. The Scores segment remained relatively flat, while the Tools segment experienced a robust 20% revenue increase. Net income for the quarter was $20.7 million, a decrease from $23.2 million in the prior year's quarter, impacting diluted EPS to $0.59 from $0.58. For the nine months ended June 30, 2012, total revenues increased by 7% to $490.3 million, compared to $459.4 million in the prior year. The Applications segment continued to be a key driver, with a 7% increase driven by large multi-year license transactions. The Scores segment saw a modest 4% increase, while the Tools segment grew by 13%. Net income for the nine-month period significantly increased to $70.8 million from $46.9 million in the prior year. The company also highlighted strategic growth initiatives, including the acquisition of Entiera Inc. in May 2012, aimed at strengthening its marketing solutions.

Fair Isaac Corporation (FICO) reported a strong financial performance for the quarter ended March 31, 2012, with net income increasing significantly to $20.0 million, or $0.55 per diluted share, compared to $7.7 million, or $0.19 per diluted share, in the prior year's quarter. This growth was driven by a 4% increase in total revenues to $159.5 million, bolstered by robust performance in the Scores and Tools segments. The company successfully managed its operating expenses, notably reducing R&D and restructuring costs, which contributed to a substantial rise in operating income to $38.2 million. Financially, FICO maintained a healthy liquidity position with $146.0 million in cash and cash equivalents. The company also demonstrated a commitment to shareholder returns through active share repurchases, spending $99.4 million in the quarter for buybacks. Despite the positive results, the company's outlook acknowledges ongoing economic uncertainties, particularly impacting the banking and insurance sectors, which are key revenue drivers. FICO continues to focus on its Decision Management strategy, aiming for growth through strategic resource allocation and cost management.

Fair Isaac Corporation (FICO) reported solid financial results for the quarter ended December 31, 2011, with a notable increase in total revenues to $170.3 million, up 9% year-over-year, driven primarily by a significant surge in license revenue within the Applications segment. Operating income saw a substantial increase of 76% to $52.1 million, reflecting improved revenue and effective cost management, including reduced R&D and SG&A expenses. Net income more than doubled to $30.0 million, or $0.81 per diluted share, demonstrating strong operational efficiency. The company's liquidity remains robust, with $175.4 million in cash and cash equivalents and no borrowings outstanding on its revolving credit facility, underscoring a stable financial position. FICO's strategic focus on its Decision Management (DM) strategy appears to be yielding positive results, particularly in its Applications and Scores segments.

Fair Isaac Corporation (FICO) reported its third-quarter and nine-month results for the period ended June 30, 2011. Total revenues for the quarter decreased by 3% to $150.7 million compared to the same period in the prior year, while year-to-date revenues saw a modest 2% increase to $459.4 million. The company experienced a decline in its Scores segment revenue, particularly in business-to-business offerings, partly due to a true-up of royalty fees. However, the Applications segment showed growth in fraud solutions and originations solutions, contributing positively to the overall revenue picture. Net income for the quarter rose by 29% to $23.2 million ($0.58 per diluted share) from $17.9 million ($0.40 per diluted share) in the prior year, driven by a significant reduction in operating expenses, including lower research and development and amortization costs, despite an increase in interest expense. Year-to-date net income decreased by 3% to $46.9 million ($1.16 per diluted share) from $48.6 million ($1.04 per diluted share) in the prior year, impacted by restructuring charges and higher interest expenses. The company maintained a strong cash position and positive operating cash flow, ending the period with $263.4 million in cash, cash equivalents, and marketable securities.

Fair Isaac Corporation (FICO) filed its 10-Q for the period ending March 31, 2011. The company demonstrated strong operational performance during the quarter, reflecting continued demand for its decision management software and services. Revenue growth was primarily driven by its software segment, which benefits from recurring license and maintenance fees, alongside growth in its professional services offerings. The company's profitability metrics remained robust, indicating effective cost management and a favorable product mix. Investors should note the company's focus on recurring revenue streams, which provides a degree of stability and predictability to its financial performance. The filing also highlighted potential risks, including economic uncertainties and competitive pressures, but the overall financial health and strategic positioning appear sound for the reporting period.

Fair Isaac Corporation (FICO) filed its 10-Q for the period ending December 31, 2010, on February 9, 2011. The report details a stable financial performance during the quarter, with a continued focus on its core scoring and decision management software and services. Investors should note the company's ongoing efforts to adapt to the evolving market landscape, particularly in credit risk and fraud detection, which remain central to its business model. While the filing doesn't highlight dramatic shifts, it underscores FICO's position as a critical provider of analytics and decision-making tools for various industries, especially financial services. The company's financial health appears sound, with management emphasizing operational efficiency and strategic growth initiatives. Investors should monitor FICO's ability to innovate and maintain its competitive edge in a dynamic technological and regulatory environment.

Fair Isaac Corporation (FICO) reported its financial results for the quarter ended June 30, 2010, demonstrating continued strength in its core business segments. The company saw robust revenue growth, driven primarily by its software and related services, reflecting the increasing demand for credit risk management and decision management solutions. Profitability also improved, with strong operating margins indicating effective cost management and operational efficiency. FICO's consistent performance suggests a positive outlook, supported by its established market position and ongoing innovation in its product offerings.