Fair Isaac stock holds firm as credit scores stay central

Fair Isaac Corp. (US3032501047) remains a closely watched credit analytics name because its recurring scoring and software businesses continue to anchor results. In fiscal 2025, the company reported revenue of $1.73 billion and net income of $577.5 million, while the business model still centers on the FICO score and related decisioning tools.

Fiscal 2025 revenue reached $1.73 billion

The latest annual figures give a clear baseline for Fair Isaac stock. Fiscal 2025 revenue was $1.73 billion, compared with $1.56 billion in fiscal 2024, and net income rose to $577.5 million from $530.2 million a year earlier.

That puts year-over-year revenue growth at about 10.9%, a useful comparison for a company whose valuation often reflects stable cash generation more than headline expansion. The same annual report shows that operating leverage remained intact as profit kept pace with sales.

Profit stayed above $500 million

Fair Isaac reported fiscal 2025 diluted earnings per share of $20.80, up from $18.54 in fiscal 2024. The company also generated operating income of $781.9 million in fiscal 2025, versus $728.0 million a year earlier, which points to a business still converting revenue into earnings at a high rate.

For investors, the comparison matters because Fair Isaac is often judged less like a cyclical software vendor and more like a cash-producing infrastructure provider for credit decisions. The 2025 numbers support that view: higher revenue, higher net income, and higher EPS all moved in the same direction.

FICO score remains the anchor

The FICO score is still the most recognizable product in the portfolio and the main reason Fair Isaac retains pricing power in mortgage and consumer credit workflows. The company said in its fiscal 2025 materials that its scoring and software franchises continue to support recurring revenue across lenders, issuers, and other financial institutions.

The mix matters because recurring score usage can smooth results even when lending volumes vary. In fiscal 2025, that translated into a revenue base of $1.73 billion and net income of $577.5 million, both of which remain central reference points for the stock.

Capital returns and balance sheet

Fair Isaac also continued to return cash to shareholders. In fiscal 2025, the company repurchased shares and ended the year with a balance sheet that management described as supporting ongoing capital deployment alongside investment in the platform.

The operating story therefore combines a high-margin core franchise with earnings that advanced from $530.2 million to $577.5 million in one year. That is the type of progression market participants usually want to see from a premium-rated software and analytics company.

FICO score still drives the product mix

Fair Isaac is best known for the FICO score, the credit metric used across lending and risk decisions. That product sits at the center of the company’s economics, with software and decisioning tools extending the same platform into underwriting and portfolio management.

Because the score franchise is so widely embedded, the company’s fiscal 2025 figures remain the best immediate guide to the stock: $1.73 billion in revenue, $577.5 million in net income, and $20.80 in diluted EPS. Those numbers frame the business far better than any short-term narrative.

Stock level and market context

Fair Isaac stock trades on the NYSE under the ticker FICO. The company is a component of the S&P 500, and that large-cap status keeps the name on the radar of index and factor investors even when the immediate focus stays on operating performance.

As of 22 July 2026, the most recent dated market context in this article is the companys fiscal 2025 base: $1.73 billion in revenue, $781.9 million in operating income, and $577.5 million in net income. Those figures remain the cleanest evidence set for assessing Fair Isaac stock today.