EarningsQ3 2026 Earnings Report
MX:FICO1 Q3 2026 EPS Results
Actual EPS$221.41
Consensus EPS$213.79
Beat/MissBeat by +$7.62
One Year Ago EPS$155.79
MX:FICO1 Q3 2026 Revenue Results
Actual Revenue$12.26B
Expected Revenue$12.35B
Beat/MissMissed by -$90.60M
YoY Revenue Growth+25.68%
Earnings Announcement Details
QuarterQ3 2026
Date07/29/2026
TimeAfter Close
Conference CallWednesday, July 29, 2026
MX:FICO1 Upcoming Earnings
Fair Isaac's next earnings date is estimated for November 11, 2026, based on past reporting schedules.
Q3 2026 Earnings Call Audio
MX:FICO1 Q3 2026 Earnings Call
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Q3 2026 Earnings Slide Deck
Q3 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlights very strong financial performance (double-digit revenue and earnings growth), robust cash generation, record capital returns, and accelerating platform momentum and ARR — all of which drove an upward revision to FY guidance. Counterbalancing these positives are sector-specific headwinds (soft mortgage volumes due to higher rates), declines in legacy/non-platform revenues and professional services, elevated leverage with higher near-term interest expense, and ongoing competitive/operational risks (GSE certification delay for the DLP and score-shopping pressure from VantageScore). Overall, the positives (revenue/earnings growth, platform adoption, cash generation and strategic partnerships) outweigh the challenges, but there are clear near-term risks to monitor.Company Guidance
Strong Top-Line and Earnings Growth
Q3 revenue of $674 million, up 26% year-over-year; GAAP net income $237 million, up 30% YoY; GAAP EPS $10.45, up 41% YoY; non-GAAP net income $277 million, up 31% YoY; non-GAAP EPS $12.18, up 42% YoY.
Robust Cash Generation and Record Share Repurchase
Q3 free cash flow of $370 million and $961 million over the last four quarters (up 28% vs prior 4-quarter period); repurchased $1.96 billion (1.705 million shares at an average $1,149/share) including an accelerated share repurchase (ASR).
Scores Segment Outperformance
Scores revenues of $459 million, up 41% YoY; B2B Scores growth (noted up ~49% normalized) and mortgage origination revenues up 97% YoY (mortgage origination revenues represented 71% of B2B and 62% of total Scores revenues); auto originations +15% and card/personal loan +9% YoY.
Platform Momentum and ARR Expansion
Total software ARR $816 million, up 10% YoY; platform ARR $413 million, up 62% YoY and now represents 51% of total ARR; platform revenues grew 66% YoY and exceeded non-platform revenues for the first time; trailing 12-month ACV bookings $128 million, up 39% YoY.
High Dollar-Based Net Retention and SaaS Growth
Company dollar-based net retention rate 109% overall; platform NRR 148% (strong land-and-expand traction); SaaS revenues grew 21% YoY reflecting platform adoption.
Non-GAAP Margin Expansion and Strong Guidance Raise
Non-GAAP operating margin of 62% for the quarter, up 479 basis points YoY; raised full-year revenue guidance to $2.53 billion (up 20% vs prior year) and increased GAAP and non-GAAP EPS/net income guidance (GAAP EPS guidance $36.86, non-GAAP EPS guidance $42.43).
Product and Ecosystem Progress: FICO Score 10T & UltraFICO
FICO Score 10T data release and adopter program: ~70 lenders in program representing ~55% of volume from the top 50 mortgage originators and $587 billion in eligible annual originations (2025 HMDA basis); independent analysis (Milliman) found 10T outperforms Vantage 4 (e.g., >10% predictive advantage for first-time homebuyers and >8% for recent origination years). UltraFICO GA availability with Plaid integration showed 79% of nonprime applicants with positive balances saw higher scores and a 7% relative increase in approvals with no incremental risk.
Strategic Partnerships and Distribution Expansion
Expanded integration of FICO Score 10T into Optimal Blue and LoanPASS; announced expanded collaboration with Accenture to accelerate enterprise-scale AI decisioning adoption and broaden platform distribution.
MX:FICO1 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