Fair Isaac Corp.

Strong Revenue Growth: FICO reported Q2 2025 revenues of $499 million, a 15% increase year-over-year, driven primarily by a 25% rise in Scores segment revenues to $297 million. The B2B revenue within the Scores segment saw substantial growth of 31% fueled by mortgage origination revenues, which increased by 48% year-on-year, indicating solid performance in the mortgage market.

Earnings and Cash Flow: GAAP net income for the quarter was $163 million, up 25%, and non-GAAP net income was $193 million, also up 25%. Non-GAAP earnings per share reached $7.81, reflecting a 27% increase from the prior year. Free cash flow for the quarter was strong at $65 million, contributing to a total of $677 million over the past year, up 45% compared to the previous 12-month period, showcasing the company's cash-generating capabilities.

Reaffirmed Guidance Amid Uncertainty: Despite a healthy performance, FICO management has decided to maintain its fiscal 2025 guidance due to macroeconomic uncertainties. Both CEO Will Lansing and CFO Steve Weber emphasized caution regarding potential volatility in credit origination volumes, which could influence future revenue performance.