Fair Isaac Corp

Company facts

Industry

Services-Business Services, NEC

Headquarters

Bozeman, Montana

Most recent report

10-Q, filed Jul 29, 2026

Incorporated

Delaware

Filings on record

1,002+ filings

On EDGAR

CIK 814547

Fiscal year ends

September

Filer status

Large accelerated filer

What to read: Jun 2026 10-Q

SECSift found 2 of 13 sections worth reading, with 2 positive, 2 notable, and 2 negative flags.

• Financial Statements (Item 1)

  Full financial statements with key Q3 results, major debt and buyback activity.
  Negative

  • Three consumer reporting agencies are 63% of Q3 2026 revenue, up from 54% last year.

• Management's Discussion (Item 2)

  MD&A with strong revenue and EPS growth, but debt soared to $5.6B for buybacks.
  Positive

  • Scores segment revenue up 41% to $458.9M in Q3 2026, driven by higher mortgage origination scores unit price.
  • Diluted EPS grew 41% to $10.45 in Q3 2026; operating cash flow up 40% to $777.9M for nine months.
  Notable

  • Software segment operating margin fell to 26% from 32% in Q3 2026 due to higher cloud costs and lower point-in-time license sales.
  • Board approved $2.0B buyback program in June 2026, replacing $1.5B program; $800M remaining including ASR prepayment.
  Negative

  • Total debt more than doubled to $5.6B from $3.1B in September, funded by $1.5B term loan for buybacks.

What changed: Jun 2026 vs. Mar 2026

About 8% of FICO's Jun 2026 10-Q is new information. 17 paragraphs were added, 136 changed, and 19 removed. Below are the most important lines SECSift identified.

• Item 2 59
• Item 1 40
• Item 3 5
• Item 6 2
• Item 5 1
• Item 4 1