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Fair Isaac Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary28 Jan, 2026
Executive summary
Q1 2026 revenue was $512 million, up 16% year-over-year, with GAAP net income of $158 million and GAAP EPS of $6.61, both up 4% and 8% respectively; non-GAAP net income was $176 million and non-GAAP EPS was $7.33, up 22% and 27% respectively.
Scores segment drove growth, especially B2B Scores from mortgage originations, while Software saw modest gains from platform expansion.
Operating income increased 30% year-over-year to $234 million.
Free cash flow for the quarter was $165 million; trailing twelve-month free cash flow totaled $718 million, up 7% year-over-year.
Management reiterated fiscal 2026 guidance, expressing confidence in exceeding targets but citing macroeconomic uncertainty.
Financial highlights
Scores segment revenue was $305 million, up 29% year-over-year, and Software segment revenue was $207 million, up 2% year-over-year.
Software ACV bookings hit a record $38 million in Q1, with trailing 12-month ACV bookings at $119 million, up 36% year-over-year.
Total software ARR reached $766 million, up 5% year-over-year; platform ARR was $303 million, up 33%, while non-platform ARR declined 8%.
Non-GAAP operating margin was 54%, up 432 basis points year-over-year; adjusted EBITDA margin was 55%.
Cash and marketable investments at quarter end were $218 million; total debt was $3.2 billion at a 5.22% weighted average interest rate.
Outlook and guidance
Fiscal 2026 revenue guidance is $2.35 billion, with GAAP net income guidance at $795 million and GAAP EPS at $33.47; non-GAAP net income guidance is $907 million and non-GAAP EPS at $38.17.
Full-year net effective tax rate expected at 24%, operating tax rate at 25%.
Operating expenses are expected to trend upward modestly through the year.
Management expects current cash, cash equivalents, available borrowings, and operating cash flows to be sufficient for at least the next 12 months.
Explain B2B Scores revenue growth drivers
What is platform vs non-platform Software NRR?
What caused the operating cash flow decline?
How will MDLP pricing affect Scores revenue per unit?
What is the plan to offset Non-Platform revenue decline?
Outlook for operating margin given rising expenses?
How do LLPA grid issues affect 10T/Vantage?
Strategy for software growth outside financial services
Why no FY26 guidance raise despite confidence?
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Next Fair Isaac earnings date
Q2 202627 Apr, 2026
Fair Isaac
Next Fair Isaac earnings date
Q2 202627 Apr, 2026
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Frequently asked questions
The go-to credit rating system
Fico is the most recognizable name in credit scores and the most widely used credit scoring system in the US. When using a credit scoring algorithm, 90 percent of top US lenders in 90 percent of lending decisions use Fico’s systems. And 98.8 percent of dollars securitized in the US solely cite Fico scores as risk measurement, 300 million consumer accounts have access to Fico scores, and one billion consumers could get credit through the scores. Fico is the industry standard for consumer credit lending decisions, and there are high barriers to entry for new companies that seek to replicate similar services. Some of the company’s competitors include Fiserv, Western Union, and Experian.
The first low-cost producer of high accuracy scores
Fico’s sticky offering could be compared with getting Americans to start using the metric system or quoting temperature in Celsius. Fico is the low-cost producer of high accuracy scores; for example, it took Synchrony Financial three years to move away from using Fico. The company's fast-growing software business also has substantial switching costs. It becomes increasingly embedded in customer workflows, a software with over 90 percent retention rate and, thus, substantial amounts of recurring revenue.
Checks many of the wide moat criteria
The Fico score was introduced in 1989, and through the information found in the individual consumer's credit reports, the algorithm calculates credit scores for them. Lenders use these scores to evaluate the creditworthiness of their customers and thus determine whether to approve applications for loans, credit cards, and other borrowings.
As the creator and owner of the FICO credit-rating score with a world-class credit database, Fico checks many of the criteria when looking for a wide moat business:
High free cash flow
High return on capital employed
High return on equity
High operating margins
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