Fair Isaac Corp 2026年季度报告

FORM 10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2025 ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF 1934 For the transition period fromto Commission File Number 1-11689 Fair Isaac Corporation (Exact name of registrant as specified in its charter) Registrant’s telephone number, including area code: 406-982-7276 Securities registered pursuant to Section 12(b) of the Act: Name of each exchange on which registeredNew York Stock Exchange Common Stock, $0.01 par value per share Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports),and (2)has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule405 of RegulationS-T (§ 232.405 of this chapter) during the preceding 12months (or for such shorter period that theregistrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act: Large accelerated filer Non-accelerated filer Emerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Table of Contents Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). The number of shares of common stock outstanding on January21, 2026 was 23,722,134 (excluding 65,134,649 shares held byus as treasury stock). TABLE OF CONTENTS PART I – FINANCIAL INFORMATION Item1.Unaudited Financial StatementsItem2.Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem3.Quantitative and Qualitative Disclosures About Market RiskItem4.Controls and ProceduresPART II – OTHER INFORMATIONItem1.Legal ProceedingsItem1A.Risk FactorsItem2.Unregistered Sales of Equity Securities and Use of ProceedsItem3.Defaults Upon Senior SecuritiesItem4.Mine Safety DisclosuresItem5.Other InformationItem6.ExhibitsSignatures FAIR ISAAC CORPORATIONCONDENSED CONSOLIDATED BALANCE SHEETS(Unaudited) December 31, 2025September 30, 2025(Inthousands,exceptparvaluedata) FAIR ISAAC CORPORATIONCONDENSED CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME(Unaudited) FAIR ISAAC CORPORATIONCONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited) FAIR ISAAC CORPORATIONNOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS(Unaudited) 1. Nature of Business Fair Isaac Corporation Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the “Company,” which may also be referred toin this report as “we,” “us,” “our,” or “FICO”) is a global analytics software leader. We were founded in 1956 on the premise that data,used intelligently, can improve business decisions. Today, FICO’s software and the widely used FICOScore operationalize analytics,enabling thousands of businesses in more than 80 countries to uncover new opportunities, make timely decisions that matter, andexecute them at scale. Most leading banks and credit card issuers rely on our solutions, as do insurers, retailers, telecommunicationsproviders, automotive lenders, consumer reporting agencies, public agencies, and organizations in other industries. We also serveconsumers through online services that enable people to access and understand their FICOScores — the standard measure ofconsumer credit risk in the United States (“U.S.”) — empowering them to increase financial literacy and manage their financial health.®® Principles of Consolidation and Basis of Presentation We have prepared the accompanying unaudited interim condensed consolidated financial statements in accordance with theinstructions to Form 10-Q and the applicable accounting guidance. Consequently, we have not necessarily included all information andfootnotes required for audited financial statements. In our opinion, the accompanying unaudited interim condensed consolidatedfinancial statements reflect all adjustments (consisting only of normal recurring adjustments, except as otherwise indicated) necessaryfor a fair presentation of our financial position and results of operations. These unaudited condensed consolidated financial statementsand notes thereto should be read in con