Slide 1: Fair Isaac Corporation Q4 Financial Highlights
Fair Isaac Corporation Q4 25 Financial Highlights September 30, 2025 © 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: Q4 2025 Financial Highlights
Q4 2025 FINANCIAL HIGHLIGHTS Metric Q4 - 24 Q3 - 25 Q4 - 25 % Q/Q % Y/Y (In millions, except for EPS) Scores Revenues $249.2 $324.3 $311.6 -4% 25% Software Revenues $204.6 $212.1 $204.2 -4% 0% Total Revenues $453.8 $536.4 $515.8 -4% 14% Software ARR $721.2 $739.1 $747.3 1% 4% Software ACV Bookings $
Slide 3: Key Operating Results
KEY OPERATING RESULTS (In millions, except for EPS) Revenues ACV Bookings $600 $35 $500 $30 $400 $25 $20 $300 $498.7 $536.4 $515.8 $15 $32.7 $200 $453.8 $440.0 $26.7 $10 $22.1 $21.2 $21.8 $100 $5 $0 $0 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 Adjusted EBITDA GAAP EPS Non-GAAP $350
Slide 4: Revenue Type Mix
REVENUE TYPE MIX (In millions) $600 $536.4 $515.8 $498.7 $500 $453.8 Scores $440.0 $400 $324.3 $311.6 $297.0 $249.2 $235.7 Professional $300 Services $200 $22.9 $18.3 $17.9 $24.2 $21.8 On-Premises and SaaS Software $100 $181.7 $186.0 $183.8 $187.9 $182.4 $0 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 © 2025 Fair
Slide 5: Expense Review
EXPENSE REVIEW (In millions) $300 $273.9 $260.4 $267.7* $256.5 $6.0 $253.1 $5.2 $4.0 $5.3 $250 $4.5 $54.7 $52.9 $51.5 $49.2 $45.5 Travel & $200 Entertainment $34.1 $35.5 $30.9 $32.4 Materials & $150 Services Equipment, $100 Facilities $170.1 $174.4 $170.7 $179.1 $174.1 $31.5 Personnel $50 $0 Q4-24 Q
Slide 6: Scores Highlights
SCORES HIGHLIGHTS Total Scores revenues up 25% vs. Q4 24 B2B revenue up 29% vs. Q4 24 B2C revenue up 8% vs. Q4 24 Mortgage Originations revenues up 52% vs. Q4 24 Auto Originations revenues up 24% vs. Q4 24 Card, Personal Loan and Other Originations revenues up 7% vs. Q4 24 © 2025 Fair Isaac Corporat
Slide 7: Software ARR
SOFTWARE ARR December 31, March 31, June 30, September 30, December 31, March 31, June 30, September 30, 2023 2024 2024 2024 2024 2025 2025 2025 (In millions) ARR Platform $ 190.3 $ 201.4 $ 215.1 $ 227.0 $ 227.7 $ 234.7 $ 254.2 $ 263.6 Non-Platform 497.4 495.6 494.5 494.2 501.6 479.9 484.9 483.7 Tot
Slide 8: Software DBNRR
SOFTWARE DBNRR December 31, March 31, June 30, September 30, December 31, March 31, June 30, September 30, 2023 2024 2024 2024 2024 2025 2025 2025 DBNRR Platform 136% 126% 124% 123% 112% 110% 115% 112% Non-Platform 108% 106% 101% 99% 100% 96% 97% 97% Total 114% 112% 108% 106% 105% 102% 103% 102% Dol
Slide 9: Software ACV Bookings
SOFTWARE ACV BOOKINGS Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 (In millions) Total ACV Bookings $ 18.3 $ 16.8 $ 27.5 $ 22.1 $ 21.2 $ 21.8 $ 26.7 $ 32.7 Annual Contract Value Bookings (ACV Bookings) are the average annualized value of software contracts signed in the current reporting period t
Slide 10: Adjusted EBITDA & Free Cash Flow
ADJUSTED EBITDA & FREE CASH FLOW (In millions) Adj. EBITDA Free Cash Flow $350 $300 $250 $200 $219.4 $150 $312.3 $287.8 $276.2 $286.6 $242.2 $223.1 $210.8 $100 $186.8 $50 $65.5 $0 Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 © 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipie
Slide 11: Balance Sheet Review
BALANCE SHEET REVIEW (In millions) Q4-24 Q3-25 Q4-25 YoY Var QoQ Var ASSETS Cash & Investments $ 196.0 $ 239.8 $ 188.8 -4% -21% Accounts Receivable & Other Current Assets 466.7 520.8 571.0 22% 10% Goodwill 782.8 785.4 783.3 0% 0% Other 272.4 316.0 325.0 19% 3% Total Assets $ 1,717.9 $ 1,862.0 $ 1,86
Slide 12: Segment Profitability
SEGMENT PROFITABILITY Segment Q4-24 Q1-25 Q2-25 Q3-25 Q4-25 QoQ $ QoQ % YoY $ YoY % (In Millions) Scores Revenue $ 249.2 $ 235.7 $ 297.0 $ 324.3 $ 311.6 $ (12.8) -4% $ 62.3 25% Operating Expenses (29.7) (31.9) (32.1) (39.6) (38.8) 0.8 -2% (9.1) 31% Scores Operating Income 219.5 203.8 265.0 284.7 272
Slide 13: FY2026 Guidance
FY2026 GUIDANCE Revenues – $2.35 billion GAAP Net Income – $795 million GAAP Earnings per Share – $33.47 Non-GAAP Net Income – $907 million Non-GAAP Earnings per Share – $38.17 © 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced
Slide 14: Resources
Resources FICO Mortgage Direct License Program • FICO Launches Cost-Cutting Direct License Program for Mortgage Lending • FICO Mortgage Direct License Program FAQ Classic FICO vs VantageScore 4.0 • How Predictive Is VantageScore 4.0 Compared to Classic FICO? – by AEI Housing Center • VantageScore’s
Slide 15: Fair Isaac Corporation Q4 Financial Highlights
Fair Isaac Corporation Q4 25 Financial Highlights September 30, 2025 © 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. Thi