Quarterly Period Covered: Quarter ended December 31, 2025 (Q1 of fiscal year 2026, which ends September 30, 2026) Business Segments: Company operates three main product/service segments - On-Premises and SaaS Software, Technology Services, and Scores Products Financial Data Included: Consolidated financial statements with comparative periods including Q1 FY2025 (quarter ended December 31, 2024)…

Our analysis rates this filing NEUTRAL. Fair Isaac Corp presents a balanced risk profile consistent with a stable, established financial services company. The two identified risks are moderate in severity and represent normal business activities for a multinational enterprise: strategic debt…

Concern level: ELEVATED (4.2/10). Key factors: New senior notes issuance (May 2025) increases financial leverage and fixed interest obligations, requiring monitoring of debt service capacity; Foreign exchange derivative exposure across EUR, GBP, and SGD indicates expanded international operations with mark-to-market volatility risk; Overall risk score of 4.2/10 reflects stable but monitored…

Notable risk changes: New debt issuance in Q1 FY2026 (May 2025 senior notes) increases financial leverage and interest expense obligations; Foreign exchange hedging activity expanded with multiple currency forward contracts (EUR, GBP, SGD) indicating increased international revenue exposure; No material negative events, litigation, breaches, or regulatory actions disclosed in Q1 FY2026 filing.

The model predicts FICO will underperform the S&P 500 by about 0.0% over 30 days (model confidence 85%). This is model analysis for research, not investment advice.