Slide 1: © 2022 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only
© 2022 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent.
Slide 2: Q3 2025 key results summary
Scores Revenues $241.4 $297.0 $324.3 9% 34% Software Revenues $206.4 $201.7 $212.1 5% 3% Total Revenues $447.8 $498.7 $536.4 8% 20% Software ARR $709.6 $714.6 $739.1 3% 4% Software ACV Bookings $27.5 $21.8 $26.7 22% -3% Non-GAAP Op. Margin* 52% 58% 57% -1% 5% Non-GAAP Net Margin* 35% 39% 39% 0% 4% N
Slide 3: Revenue, bookings, adjusted EBITDA and non-GAAP EPS trends
$600 $30 $500 $25 $400 $20 $300 $15 $498.7 $536.4 $27.5 $26.7 $200 $447.8 $453.8 $440.0 $22.1 $21.8 $10 $21.2 $100 $5 $0 $0 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Non-GAAP $350 $9.0 $8.57 $300 $7.81 $8.0 $1.17 $6.25 $6.54 $250 $7.0 $5.79 $1.22 $6.0 $1.10 $200 $1.20 $5.0 $150 $28
Slide 4: Revenue by Scores and Software
$600 $536.4 $498.7 $500 $447.8 $453.8 Scores $440.0 $400 $324.3 $297.0 $241.4 $249.2 $235.7 Professional $300 Services $200 $22.6 $22.9 $18.3 $17.9 $24.2 On-Premises and SaaS Software $100 $183.8 $181.7 $186.0 $183.8 $187.9 $0 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 © 2025 Fair Isaac Corporation. Confidential
Slide 5: Operating expenses by category
$300 $273.9 $257.3 $256.5 $260.4 $6.0 $253.1 $4.3 $4.0 $5.3 $250 $4.5 $54.7 $47.3 $51.5 $49.2 $45.5 Travel & $200 Entertainment $34.1 $30.5 $30.9 $31.5 $32.4 Materials & $150 Services Equipment, $100 Facilities $175.2 $170.1 $174.4 $170.7 $179.1 $50 Personnel $0 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 © 2025
Slide 6: Scores revenue growth by channel
Total Scores revenues up 34% vs. Q3 24 B2B revenue up 42% vs. Q3 24 B2C revenue up 6% vs. Q3 24 Mortgage Originations revenues up 53% vs. Q3 24 Auto Originations revenues up 23% vs. Q3 24 Card, Personal Loan and Other Originations revenues up 3% vs. Q3 24 © 2025 Fair Isaac Corporation. Confidential.
Slide 7: Annual recurring revenue by Platform and Non-Platform
September 30, December 31, March 31, June 30, September 30, December 31, March 31, June 30, 2023 2023 2024 2024 2024 2024 2025 2025 (In millions) ARR Platform $ 173.2 $ 190.3 $ 201.4 $ 215.1 $ 227.0 $ 227.7 $ 234.7 $ 254.2 Non-Platform 496.2 497.4 495.6 494.5 494.2 501.6 479.9 484.9 Total $ 669.4 $
Slide 8: Dollar-Based Net Retention Rate
September 30, December 31, March 31, June 30, September 30, December 31, March 31, June 30, 2023 2023 2024 2024 2024 2024 2025 2025 DBNRR Platform 145% 136% 126% 124% 123% 112% 110% 115% Non-Platform 111% 108% 106% 101% 99% 100% 96% 97% Total 120% 114% 112% 108% 106% 105% 102% 103% Dollar-Based Net
Slide 9: Total ACV Bookings
Q4-23 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 (In millions) Total ACV Bookings $ 28.0 $ 18.3 $ 16.8 $ 27.5 $ 22.1 $ 21.2 $ 21.8 $ 26.7 Annual Contract Value Bookings (ACV Bookings) are the average annualized value of software contracts signed in the current reporting period that generate current a
Slide 10: Adjusted EBITDA and free cash flow
Adj. EBITDA Free Cash Flow $350 $300 $250 $200 $205.7 $150 $312.3 $287.8 $276.2 $236.8 $242.2 $219.4 $223.1 $100 $186.8 $50 $65.5 $0 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 © 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared with
Slide 11: Balance sheet and metrics
(In millions) Q3-24 Q2-25 Q3-25 YoY Var QoQ Var ASSETS Cash & Investments $ 198.8 $ 192.0 $ 239.8 21% 25% Accounts Receivable & Other Current Assets 475.1 578.3 520.8 10% -10% Goodwill & Intangibles, net 776.8 779.3 785.4 1% 1% Other 258.1 286.2 316.0 22% 10% Total Assets $ 1,708.8 $ 1,835.8 $ 1,862
Slide 12: Segment operating income and margins
Segment Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 QoQ $ QoQ % YoY $ YoY % (In Millions) Scores Revenue $ 241.5 $ 249.2 $ 235.7 $ 297.0 $ 324.3 $ 27.3 9% $ 82.9 34% Operating Expenses (28.5) (29.7) (31.9) (32.1) (39.6) (7.5) 23% (11.1) 39% Scores Operating Income 213.0 219.5 203.8 265.0 284.7 19.7 7% 71.7 34% Sc
Slide 13: Fiscal year guidance
Revenues – $1.98 billion GAAP Net Income – $630 million GAAP Earnings per Share – $25.60 Non-GAAP Net Income – $718 million Non-GAAP Earnings per Share – $29.15 © 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared withou
Slide 14: © 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only
© 2022 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. © 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be repro