---
title: "Fair Isaac: Business Model"
description: "Fair Isaac revenue by business segment and geography from its fiscal 2025 Form 10-K, with each part's share, growth and profitability explained."
canonical: https://www.getswoopr.com/stocks/companies/fair-isaac/business-model/
source: "Swoopr Investment: https://www.getswoopr.com"
---

# Fair Isaac: Business Model & Revenue Engine

## Direct Answer

Fair Isaac reports revenue across 2 business segments in its fiscal 2025 Form 10-K. Scores is the largest, with $1.2 billion of revenue (59% of the total), followed by Software at $822 million (41%).

## How Does Fair Isaac Make Money?

No single line supplies a majority of revenue: the largest, Scores, is 59%, which spreads Fair Isaac's exposure across several demand drivers. Between fiscal 2024 and 2025, Scores grew fastest (+27.1%) and Software slowest (+3.1%), so the revenue mix tilts toward Scores while that gap lasts.

| Segment | FY2025 revenue | FY2024 revenue | Share of revenue | Change |
| --- | --- | --- | --- | --- |
| Scores | $1.2 billion | $920 million | 58.7% | 27.1% |
| Software | $822 million | $798 million | 41.3% | 3.1% |

![Bar chart of Fair Isaac revenue by segment for fiscal 2025: Scores 58.7%, Software 41.3%.](https://www.getswoopr.com/images/charts/fair-isaac-business-model-segment-mix.webp)
*Fair Isaac revenue by segment as a share of total revenue, from the table above. The largest is highlighted. Select the chart to open it full size.*

## Which Fair Isaac Segments Earn the Most?

| Segment | FY2025 segment operating income | Segment margin |
| --- | --- | --- |
| Scores | $1.0 billion | 87.8% |
| Software | $248 million | 30.1% |

Segment operating income is the profit measure Fair Isaac reports to its chief operating decision maker for each segment. It usually leaves out corporate costs that are not allocated to a segment, so the segments usually add up to more than consolidated operating income, and margins are comparable within Fair Isaac more safely than against another company.

## What Does Fair Isaac Sell?

Fair Isaac also breaks revenue down by product and service line, which shows what customers pay for rather than how management organizes the business.

| Product or service | FY2025 revenue | FY2024 revenue | Share of revenue | Change |
| --- | --- | --- | --- | --- |
| Scores Products | $1.2 billion | $920 million | 58.7% | 27.1% |
| On Premises and Saa S Software | $740 million | $711 million | 37.2% | 4.0% |
| Technology Service | $82 million | $87 million | 4.1% | -5.1% |

## Where Does Fair Isaac's Revenue Come From?

Regions follow the definitions in the filing; most companies assign revenue by customer location.

| Region | FY2025 revenue | FY2024 revenue | Share of revenue | Change |
| --- | --- | --- | --- | --- |
| Americas | $1.7 billion | $1.4 billion | 87.0% | 19.5% |
| EMEA | $160 million | $170 million | 8.0% | -5.7% |
| Asia Pacific | $99 million | $98 million | 5.0% | 0.6% |

## What the Segment Figures Do Not Show

The rows above add up to 100% of Fair Isaac's reported revenue for fiscal 2025; the difference is intersegment eliminations, corporate revenue or items the company reports outside its segments. Segment definitions are management's choice and change when a company reorganizes, in which case it restates prior years in the next filing, so a multi-year comparison should use the figures from a single filing. Revenue shows where sales come from, not where profit or cash is earned: a small segment can carry most of the margin.

## Where These Numbers Come From

Every figure on this page is a value Fair Isaac reported in the segment note and revenue disclosures of its Form 10-K filed November 7, 2025 (accession 0000814547-25-000030), read from the SEC's Financial Statement Data Sets. The prior-year column is the comparative figure from that same filing, so it reflects any restatement for a change in segments. Category names are the company's own XBRL labels, lightly reformatted for reading.

Rows that only total other rows (for example a "Products" line beside the individual products) are left out so nothing is counted twice. This page is educational and describes reported history for fiscal 2025; it is not a forecast or a recommendation.

## Frequently Asked Questions

### What are Fair Isaac's business segments?

In its fiscal 2025 Form 10-K, Fair Isaac reports revenue for Scores and Software.

### Which part of Fair Isaac brings in the most revenue?

Scores, with $1.2 billion of revenue in fiscal 2025, or 59% of the total.

### Where does Fair Isaac report its segment results?

In the segment note to the financial statements in its Form 10-K, most recently filed November 7, 2025, alongside management's discussion of each segment's results.

## References

- [SEC EDGAR: FAIR ISAAC CORP Form 10-K filed November 7, 2025](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm)
- [SEC EDGAR: FAIR ISAAC CORP annual and quarterly filings](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=814547&type=10-K)
- [SEC: EDGAR application programming interfaces (XBRL frames and submissions data)](https://www.sec.gov/search-filings/edgar-application-programming-interfaces)
- [SEC: Financial Statement Data Sets](https://www.sec.gov/data-research/sec-markets-data/financial-statement-data-sets)

## Related Pages

- [Fair Isaac company dossier](https://www.getswoopr.com/stocks/companies/fair-isaac/)
- [Fair Isaac financial metrics](https://www.getswoopr.com/stocks/companies/fair-isaac/metrics/)
- [Fair Isaac financial risk indicators](https://www.getswoopr.com/stocks/companies/fair-isaac/risks/)
- [Fair Isaac peer comparison](https://www.getswoopr.com/stocks/companies/fair-isaac/competitors/)
- [Fair Isaac business model and revenue mix](https://www.getswoopr.com/stocks/companies/fair-isaac/business-model/)
- [Fundamental analysis guides](https://www.getswoopr.com/learn/fundamental-analysis/)

**[Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/)**

Swoopr's editorial team produces independent investment education content reviewed for accuracy and clarity. We do not provide personalized financial advice. See our [editorial policy](https://www.getswoopr.com/legal/editorial-policy/) and [corrections policy](https://www.getswoopr.com/legal/corrections-policy/).