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Fair Isaac Corporation
Fair Isaac Corporation (FICO) investor relations material
Fair Isaac Corporation Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Jul, 2026
Executive summary
Q3 FY2026 revenue reached $674.2 million, up 26% year-over-year, with GAAP net income of $237.2 million, up 30%, and GAAP EPS of $10.45, up 41%; non-GAAP net income was $277 million, up 31%, and non-GAAP EPS was $12.18, up 42%.
Free cash flow for the quarter was $370.3 million, with trailing twelve-month free cash flow at $961 million, up 28%.
Raised full-year 2026 guidance: revenue now expected at $2.53 billion (+20% to +27%), GAAP net income at $850 million (+30%), and non-GAAP net income at $979 million (+33%).
Scores segment led growth, driven by B2B mortgage revenue and adoption of FICO Score 10T.
Record share repurchases executed, totaling $1.96 billion in Q3 and $3.05 billion for the nine months, including a $1.5 billion accelerated share repurchase.
Financial highlights
Scores segment revenue was $458.9 million, up 41% year-over-year; B2B revenues up 49%, B2C up 5%.
Mortgage origination revenues surged 97% year-over-year, accounting for 71% of B2B and 62% of total Scores revenue.
Software segment revenue was $215.3 million, up 2% year-over-year; SaaS revenue grew 21%, on-premises declined 16%, and professional services declined 24%.
Platform ARR grew 62% to $413 million, surpassing non-platform ARR for the first time; total Software ARR was $816 million (+10%).
Non-GAAP operating margin was 62%, up from 57% a year ago; effective tax rate for the quarter was 24.6%.
Outlook and guidance
Full-year revenue guidance raised to $2.53 billion (+20% to +27% YoY), GAAP net income to $850 million (+30%), and non-GAAP net income to $979 million (+33%).
GAAP EPS guidance increased to $36.86 and non-GAAP EPS to $42.43.
Q4 operating expenses expected to be modestly higher due to marketing and one-time restructuring charges.
Management expects current cash, credit, and operating cash flows to be sufficient for capital needs for at least the next 12 months.
Near-term focus on deleveraging; additional share repurchases unlikely in Q4 beyond current ASR.
Analyze mortgage unit price impact on B2B growth
Address platform vs non-platform ARR divergence
Evaluate debt increase for stock repurchases
Platform ARR growth excluding migrations
Status of GSE certification for Direct Licensing
UltraFICO performance lift for prime applicants
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Latest events from Fair Isaac Corporation
- Q3 revenue up 20% with strong net income, raised full-year guidance, and robust buybacks.FICO
Q3 20259 Jul 2026 - Q2 2025 revenue up 15% and net income up 25%, driven by strong Scores segment growth.FICOQ2 20258 Jul 2026
- Q1 FY25 revenue up 15%, net income up 26%, mortgage origination revenue up 110%, FY25 outlook strong.FICOQ1 20258 Jul 2026
- New mortgage pricing, rapid software growth, and strong industry ties drive future outlook.FICOBarclays 18th Annual Americas Select Conference11 May 2026
- Q2 FY26 revenue up 39%, net income up 63%, and guidance raised on strong Scores growth.FICOQ2 202629 Apr 2026
- Revenue up 16% to $512M, Scores up 29%, platform ARR up 33%, guidance reaffirmed.FICOQ1 20263 Feb 2026
- Q3 revenue up 12% to $447.8M, guidance raised, and $1B buyback program authorized.FICOQ3 20242 Feb 2026
- Shareholders to vote on key governance, compensation, and charter changes at the 2026 annual meeting.FICOProxy Filing27 Jan 2026
- Q4 revenue up 16% year-over-year; double-digit growth expected in fiscal 2025.FICOQ4 202416 Jan 2026
Next Fair Isaac Corporation earnings date
Q4 20264 Nov, 2026
Fair Isaac Corporation
Next Fair Isaac Corporation earnings date
Q4 20264 Nov, 2026
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One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
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