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Fair Isaac Corporation (FICO)
NYSE:FICO
Earnings Data
Report Date
May 06, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
10.62Last Year’s EPS
7.81Same Quarter Last Year
Moderate Buy
Based on 11 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a predominantly positive operational and financial picture: strong overall revenue growth (+16% YoY), significant outperformance in the Scores business (+29% YoY) and momentum in software bookings and platform ARR (record ACV, platform ARR +33% YoY). Profitability and margins expanded materially (non-GAAP operating margin +432 bps), free cash flow and buybacks were robust, and strategic product/partner progress (Direct Licensing expansion, Plaid partnership, Gartner recognition) supports future growth. Counterbalancing items include declines in non-platform revenues/ARR, modestly rising operating expenses, a substantial debt balance, regional revenue concentration, and uncertainty around timing for regulatory approvals and LLPA/grid changes. Overall, the positive growth, margin expansion, cash generation and platform traction outweigh the challenges and uncertainty discussed on the call.Company Guidance
Revenue Growth
Q1 fiscal 2026 revenues of $512 million, up 16% year-over-year.
Earnings Expansion
GAAP net income of $158 million, up 4% YoY; GAAP EPS $6.61, up 8% YoY. Non-GAAP net income $176 million, up 22% YoY; non-GAAP EPS $7.33, up 27% YoY.
Strong Free Cash Flow and Share Repurchases
Delivered $165 million free cash flow in Q1 and $718 million over the last four quarters (up 7% YoY). Repurchased 95,000 shares in Q1 for $163 million (average price $1,707/share).
Scores Segment Outperformance
Scores revenues $305 million, up 29% YoY; B2B Scores up 36% YoY (driven by higher mortgage origination unit price and volume); B2C Scores up 5% YoY. Mortgage originations revenue up 60% YoY and accounted for 51% of B2B revenue (42% of total Scores revenue).
Software Booking and ARR Momentum
Record quarterly ACV bookings of $38 million; trailing 12-month ACV bookings $119 million, up 36% YoY. Total software ARR $766 million, up 5% YoY.
Platform Growth and Retention
Platform ARR $303 million (40% of total ARR) grew 33% YoY; platform revenues grew ~37% YoY. Platform dollar-based net retention rate 122% versus non-platform NRR 91%; overall dollar-based NRR 103%.
Margin Expansion
Non-GAAP operating margin of 54% in the quarter versus 50% a year ago, representing an expansion of 432 basis points YoY.
Strategic Partnerships and Product Advancements
Expanded FICO Mortgage Direct Licensing Program with 4 new reseller participants plus MeridianLink DLP agreement; partnership with Plaid to launch enhanced UltraFICO in H1 2026; FICO Score 10T Adopter Program now includes lenders representing >$377B in annual originations and >$1.6T in servicing volume.
Industry Recognition
Named a Leader in the January 2026 Gartner Magic Quadrant for Decision Intelligence Platforms and positioned highest for ability to execute.
FICO Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FICO Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 28, 2026 | $1525.67 | $1501.75 | -1.57% |
Nov 05, 2025 | $1629.20 | $1674.80 | +2.80% |
Jul 30, 2025 | $1527.80 | $1436.72 | -5.96% |
Apr 29, 2025 | $1961.50 | $1989.68 | +1.44% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Fair Isaac Corporation (FICO) report earnings?
Fair Isaac Corporation (FICO) is schdueled to report earning on May 06, 2026, After Close (Confirmed).
What is Fair Isaac Corporation (FICO) earnings time?
Fair Isaac Corporation (FICO) earnings time is at May 06, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FICO EPS forecast?
FICO EPS forecast for the fiscal quarter 2026 (Q2) is 10.62.
