FICO - Comprehensive Filing Intelligence

FYNone•10-Q•Filed Jan 28, 2026

7.0/10

Filing Health:GOOD

Solid fundamentals with minor concerns to monitor

Executive Summary

FICO reported strong revenue growth, particularly in its Scores segment, driven by increased pricing and volume.. The Software segment shows steady ARR growth and a healthy DBNRR, indicating good customer retention and expansion, though operating income declined due to increased expenses.. Debt maturing within 12 months: $400M in 2018 Senior Notes due May 2026.. Scores segment revenue increased 29.2% driven by B2B pricing and mortgage originations.

Top Concerns

!The Software segment shows steady ARR growth and a healthy DBNRR, indicating good customer retention and expansion, though operating income declined due to increased expenses.
!Significant increase in software capitalization year-over-year.
!Debt maturing within 12 months: $400M in 2018 Senior Notes due May 2026.
!Availability of Financing (medium)
!Reliance on Core Business Performance (medium)

Top Positives

+FICO reported strong revenue growth, particularly in its Scores segment, driven by increased pricing and volume.

Analysis Dimensions

Our 5-pass AI analysis examines this filing across multiple dimensions. Each dimension score is derived from direct analysis of SEC filing text.

Narrative Intelligence

7.0/10

Management tone is confidently optimistic.

Full analysis includes: tone changes vs prior quarter, margin driver breakdown, forward guidance analysis, strategic priorities.

Accounting Quality

7.0/10

Earnings quality shows moderate accounting practices.

Full analysis includes: reserve and allowance changes, non-recurring item analysis, stock-based compensation impact, disclosure concerns.

Hidden Liabilities

Off-balance sheet risk is low with Not Disclosed in identified exposure.

Full analysis includes: cloud and purchase commitments, VIE/SPE exposure, covenant compliance status, refinancing risk assessment.

Risk Landscape

6.0/10

Overall risk profile shows availability of financing as primary concern.

Full analysis includes: 8 risk categories with severity, new vs escalated risks, management response assessment, risk trend analysis.

Segment Performance

7.0/10

Segment health analysis shows Scores as strongest performer while Software lags.

Full analysis includes: segment-by-segment revenue breakdown, geographic concentration risk, customer concentration analysis, segment margin trends.