FAIR ISAAC CORP FICO

Fair Isaac's strongest current rail is the official SEC record, not market chatter. The supplied evidence names a 2026-06-08 8-K, several Form 4 filings dated 2026-06-08, 2026-05-27 and 2026-05-19, two Schedule 13G filings dated 2026-04-29, and the latest parsed 10-Q for the period ending 2026-03-31. The daily file therefore starts with filings, ownership disclosures and operating numbers rather than rumours or invented price action.

Fair Isaac Corporation is the issuer behind FICO, with the official issuer website supplied as the company source rail. The product evidence in the filing points to Scores and Software, including on-premises and SaaS software, professional services, and higher-margin Scores products. That matters because the earnings story is not just a ticker label; it is a business built around credit scoring, analytics and software revenue that shows up directly in the segment language of the 10-Q.

The latest available SEC EDGAR financial facts are substantial. For the 10-Q period ending 2026-03-31, revenue from contracts with customers was $691.7M, operating income was $402.5M, net income attributable to the parent was $264.5M, and diluted EPS was $11.14 on 23.7M diluted shares. Cash and cash equivalents were $219.4M, net cash provided by operating activities was $397.4M, and payments to acquire property, plant and equipment were $492,000. Research and development expense was $53.9M.

The balance sheet carries the main tension in the supplied rail. Assets were $2.05B, liabilities were $4.15B, and stockholders' equity attributable to the parent was negative $2.10B for the 10-Q period ending 2026-03-31. The evidence does not supply a chart route, trading levels, moving averages or volume context, so this report does not invent technical colour. The market mechanism that can be described from the rail is the operating business turning Scores and Software demand into income and cash while the capital structure remains an important part of the story.

The Software evidence adds useful product texture. The 10-Q says Software segment revenues increased $15.0M because on-premises and SaaS software revenue rose $15.4M, partly offset by a $0.4M decrease in professional services revenue. It also says Software segment revenues increased $18.1M, with a $17.6M increase in on-premises and SaaS software revenue and a $0.5M increase in professional services revenue. Cost of revenues as a percentage of revenues fell to 13% in the quarter ended 2026-03-31 from 18% in the quarter ended 2025-03-31, primarily due to increased sales of higher-margin Scores products.

What remains unproved by this pack is as important as what is proved. The evidence names filing events and official source routes, but it does not supply management guidance, a conference-call transcript, debt maturity detail, share repurchase figures, analyst estimates, customer wins, litigation updates or a chart source. A deeper file would need those official rails before making claims about valuation, momentum, management intent or forward demand.