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© 2022 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent.
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 2 * For a detailed reconciliation, please refer to our Regulation G Disclosure Scores Revenues $241.4 $297.0 $324.3 9% 34% Software Revenues $206.4 $201.7 $212.1 5% 3% Total Revenues $447.8 $498.7 $536.4 8% 20% Software ARR $709.6 $714.6 $739.1 3% 4% Software ACV Bookings $27.5 $21.8 $26.7 22% -3% Non-GAAP Op. Margin* 52% 58% 57% -1% 5% Non-GAAP Net Margin* 35% 39% 39% 0% 4% Non-GAAP Diluted EPS* $6.25 $7.81 $8.57 10% 37% Adjusted EBITDA* $236.8 $287.8 $312.3 9% 32%
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 3 $5.05 $5.44 $6.14 $6.59 $7.40 $1.20 $1.10 $1.22 $1.17 $6.25 $6.54 $5.79 $7.81 $8.57 $0.0 $1.0 $2.0 $3.0 $4.0 $5.0 $6.0 $7.0 $8.0 $9.0 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Non-GAAP $27.5 $22.1 $21.2 $21.8 $26.7 $0 $5 $10 $15 $20 $25 $30 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 $447.8 $453.8 $440.0 $498.7 $536.4 $0 $100 $200 $300 $400 $500 $600 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 $236.8 $242.2 $223.1 $287.8 $312.3 $0 $50 $100 $150 $200 $250 $300 $350 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 4 $183.8 $181.7 $186.0 $183.8 $187.9 $22.6 $22.9 $18.3 $17.9 $24.2 $241.4 $249.2 $235.7 $297.0 $324.3 $447.8 $453.8 $440.0 $498.7 $536.4 $0 $100 $200 $300 $400 $500 $600 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Scores Professional Services On-Premises and SaaS Software
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 5 $175.2 $170.1 $174.4 $170.7 $179.1 $30.5 $30.9 $31.5 $32.4 $34.1 $47.3 $51.5 $49.2 $45.5 $54.7 $4.3 $4.0 $5.3 $4.5 $6.0$257.3 $256.5 $260.4 $253.1 $273.9 $0 $50 $100 $150 $200 $250 $300 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Travel & Entertainment Materials & Services Equipment, Facilities Personnel
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 6 Total Scores revenues up 34% vs. Q3 24 B2B revenue up 42% vs. Q3 24 B2C revenue up 6% vs. Q3 24 Mortgage Originations revenues up 53% vs. Q3 24 Auto Originations revenues up 23% vs. Q3 24 Card, Personal Loan and Other Originations revenues up 3% vs. Q3 24
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 7 ARR is defined as annualized revenue run-rate of on-premises and SaaS software agreements within a quarterly reporting period, and as such is different from the timing and amount of revenue recognized. All components of the licensing and subscription arrangements that are not expected to recur (primarily perpetual licenses) are excluded. If a customer contract contains invoicing amounts that increase over the contract term, then ARR ref lects the annualized invoicing amount outlined in the contract for the current reporting period. We calculate ARR as the quarterly recurring revenue multipl ied by four. Platform software is defined as products that can run on our platform today using shared platform capabilities without the ne ed for any custom integrations or modifications (other than what is normally required for products on the platform today). September 30, 2023 December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 March 31, 2025 June 30, 2025 ARR Platform 173.2$ 190.3$ 201.4$ 215.1$ 227.0$ 227.7$ 234.7$ 254.2$ Non-Platform 496.2 497.4 495.6 494.5 494.2 501.6 479.9 484.9 Total 669.4$ 687.7$ 697.0$ 709.6$ 721.2$ 729.3$ 714.6$ 739.1$ Percentage Platform 26% 28% 29% 30% 31% 31% 33% 34% Non-Platform 74% 72% 71% 70% 69% 69% 67% 66% Total 100% 100% 100% 100% 100% 100% 100% 100% YoY Change Platform 53% 43% 32% 31% 31% 20% 17% 18% Non-Platform 14% 11% 8% 3% 0% 1% -3% -2% Total 22% 18% 14% 10% 8% 6% 3% 4% (In millions)
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 8 Dollar-Based Net Retention Rate (DBNRR) for any period is calculated by comparing the ARR at the end of the prior comparable quarter (base recurring revenue) to the ARR from that same cohort of customers at the end of the current quarter (retained recurring revenue); we then divide the retained recurring revenue by the base recurring revenue to arrive at the DBNRR. September 30, 2023 December 31, 2023 March 31, 2024 June 30, 2024 September 30, 2024 December 31, 2024 March 31, 2025 June 30, 2025 DBNRR Platform 145% 136% 126% 124% 123% 112% 110% 115% Non-Platform 111% 108% 106% 101% 99% 100% 96% 97% Total 120% 114% 112% 108% 106% 105% 102% 103%
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 9 Annual Contract Value Bookings (ACV Bookings) are the average annualized value of software contracts signed in the current re porting period that generate current and future on-premises and SaaS software revenue. We only include contracts with an initial term of at lea st 24 months and exclude perpetual licenses and other revenues that are non-recurring in nature. Q4-23 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Total ACV Bookings 28.0$ 18.3$ 16.8$ 27.5$ 22.1$ 21.2$ 21.8$ 26.7$ (In millions)
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 10 $236.8 $242.2 $223.1 $287.8 $312.3 $205.7 $219.4 $186.8 $65.5 $276.2 $0 $50 $100 $150 $200 $250 $300 $350 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Adj. EBITDA Free Cash Flow
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 11 Q3-24 Q2-25 Q3-25 YoY Var QoQ Var ASSETS Cash & Investments 198.8$ 192.0$ 239.8$ 21% 25% Accounts Receivable & Other Current Assets 475.1 578.3 520.8 10% -10% Goodwill & Intangibles, net 776.8 779.3 785.4 1% 1% Other 258.1 286.2 316.0 22% 10% Total Assets 1,708.8$ 1,835.8$ 1,862.0$ 9% 1% LIABILITIES Current Liabilities 337.2$ 343.2$ 770.6$ 129% 125% Noncurrent Liabilities 2,200.9 2,616.6 2,488.8 13% -5% Total Liabilities 2,538.1 2,959.8 3,259.4 28% 10% Stockholders' Deficit (829.3) (1,124.0) (1,397.4) 69% 24% Total Liabilities & Stockholders' Deficit 1,708.8$ 1,835.8$ 1,862.0$ 9% 1% METRICS Leverage Covenant (max 3.5) 2.38 2.49 2.47 0.09 (0.02) Days Sales Outstanding 97 days 95 days 85 days (12 days) (10 days) (In millions)
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 12 Segment (In Millions) Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 QoQ $ QoQ % YoY $ YoY % Scores Revenue $ 241.5 $ 249.2 $ 235.7 $ 297.0 $ 324.3 $ 27.3 9% $ 82.9 34% Operating Expenses (28.5) (29.7) (31.9) (32.1) (39.6) (7.5) 23% (11.1) 39% Scores Operating Income 213.0 219.5 203.8 265.0 284.7 19.7 7% 71.7 34% Scores Operating Margin 88% 88% 86% 89% 88% -1% 0% Software Revenue 206.4 204.6 204.3 201.7 212.1 10.4 5% 5.7 3% Operating Expenses (136.1) (136.7) (143.6) (138.4) (144.2) (5.8) 4% (8.1) 6% Software Operating Income 70.3 67.9 60.7 63.3 67.9 4.6 7% (2.4) -3% Software Operating Margin 34% 33% 30% 31% 32% 1% -2% Total Revenue 447.8 453.8 440.0 498.7 536.4 37.7 8% 88.6 20% Total Segment Operating Expenses (164.5) (166.4) (175.5) (170.4) (183.8) (13.3) 8% (19.2) 12% Unallocated Corporate Expense (50.4) (50.2) (44.3) (40.9) (48.2) (7.3) 18% 2.2 -4% Total Segment Operating Income 233.0 237.3 220.2 287.3 304.4 17.1 6% 71.5 31% Total Segment Operating Margin 52% 52% 50% 58% 57% -1% 5% Other Unallocated Expenses Share-based Compensation (42.4) (40.0) (40.7) (41.7) (41.9) (0.2) 1% 0.5 -1% Amortization (0.3) (0.1) - - - - 0% 0.3 -100% Operating Income $ 190.3 $ 197.2 $ 179.5 $ 245.6 $ 262.5 $ 16.9 7% $ 72.3 38%
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 13 Revenues – $1.98 billion GAAP Net Income – $630 million GAAP Earnings per Share – $25.60 Non-GAAP Net Income – $718 million Non-GAAP Earnings per Share – $29.15
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© 2025 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. 14 © 2022 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent.