Fair Isaac Corporation (FICO)
NYSE:FICO
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Earnings Data
Report Date
Aug 05, 2026After Close (Confirmed)
Period Ending
2026 (Q3)Consensus EPS Forecast
11.62Last Year’s EPS
8.57Same Quarter Last Year
Strong Buy
Based on 15 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted multiple clear strengths: robust revenue and earnings growth, raised full-year guidance, strong platform momentum (high ARR growth and very high platform NRR), exceptional free cash flow and record share repurchases, plus strategic product and pricing moves to accelerate adoption of FICO Score 10T. Offsetting items include declines in legacy/non-platform ARR and revenues, regulatory/competitive uncertainty tied to FHFA and VantageScore developments, modestly rising operating and interest expenses, and geographic revenue concentration. On balance, the positive operational and financial beats, platform traction, and upgraded guidance materially outweigh the challenges noted, though management maintains conservative volume assumptions and is monitoring regulatory timing.Company Guidance
Strong Top-Line and Earnings Growth
Q2 revenue of $692 million, up 39% year-over-year; GAAP net income $264 million, up 63% YoY; GAAP EPS $11.14, up 69% YoY; non-GAAP net income $297 million, up 54% YoY; non-GAAP EPS $12.50, up 60% YoY.
Raised Full-Year Guidance
Fiscal 2026 revenue guidance raised to $2.45 billion (up 23% vs prior year); GAAP net income guidance $825 million (GAAP EPS $35.60, increases of ~27% and ~34% noted); non-GAAP net income guidance $946 million (non-GAAP EPS $40.45, increases of ~29% and ~35% noted).
Scores Segment Outperformance Driven by Mortgage
Scores revenue $475 million, up 60% YoY; B2B scores up 72% YoY; mortgage originations revenue up 127% YoY and comprised 72% of B2B revenue and 63% of total Scores revenue for the quarter.
Platform Momentum in Software Business
Total software revenue $217 million, up 7% YoY; Platform ARR $349 million, up 49% YoY and representing 44% of total software ARR ($789 million, +10% YoY); platform ARR growth includes migrations but excluding those migrations platform ARR grew in the mid-30% range; platform NRR 136% (company dollar-based NRR 109%).
Sales and Bookings Strength
Q2 software ACV bookings $28 million; trailing 12-month ACV bookings $126 million, up 36% YoY; SaaS revenues grew 19% YoY driven by FICO Platform.
Excellent Cash Generation and Share Repurchases
Q2 free cash flow $214 million; trailing four-quarter free cash flow $867 million, up 28% vs prior four-quarter period; repurchased $605 million of stock (484,000 shares, largest quarterly repurchase in dollar terms in company history) and an additional $170 million repurchased since April 1.
Operating Leverage and Margin Expansion
Non-GAAP operating margin expanded to 65% in the quarter from 58% a year ago, a year-over-year improvement of ~712 basis points.
Product & IP Strength / Strategic Positioning
Priced FICO Score 10T for broader adoption ($0.99 per score + $65 funding fee) and added 11 lenders to the early adopter program (55 lenders total, representing >$495 billion annual serviceable originations and >$1.6 trillion in eligible servicing); 137 AI-related patents and continued rollout of FICO Platform and UltraFICO/Cash Flow initiatives.
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 |
|---|---|---|---|
Apr 28, 2026 | $1010.50 | $1043.57 | +3.27% |
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% |
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 Aug 05, 2026, After Close (Confirmed).
What is Fair Isaac Corporation (FICO) earnings time?
Fair Isaac Corporation (FICO) earnings time is at Aug 05, 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 (Q3) is 11.62.
