Loading
Sentiment · FY2026 Q3
As of FY2026 Q2, the Tellvest earnings-call sentiment score for Fair Isaac (FICO) is 9/10.
FICO delivered a very strong quarter, with revenue of $692 million up 39% and GAAP EPS of $11.14 up 69%, driven by a 60% surge in Scores revenue as mortgage originations revenue rose 127% on full rack-rate pricing and a rebound in volume. Management repriced the FICO 10T performance model to $0.99 per score plus a $65 funding fee to reach price parity with VantageScore and encourage adoption ahead of the FHFA's expected release of 10T data. Platform ARR grew 49% to $349 million with 136% net retention, though non-platform revenue declined 12% on migrations and end-of-life products. Non-GAAP operating margin expanded 712 basis points to 65%, and the company executed a record $605 million quarterly buyback. FICO raised full-year FY2026 guidance to $2.45 billion in revenue (+23%), GAAP EPS of $35.60 (+34%), and non-GAAP EPS of $40.45 (+35%), while reiterating that its guide assumes no share loss to VantageScore.
Scored from Fair Isaac’s FY2026 Q2 earnings call. The newest quarter is available with Tellvest Pro.
Full Pro access for 30 days when you create a free account. No credit card required.
All prior quarters are free.
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Gross margin | Op margin | Net margin | FCF |
|---|---|---|---|---|---|---|---|---|
| FY2024 Q4 | $454M | +16.4% | $5.44 | +35.7% | 80.3% | 43.4% | 29.9% | $219M |
| FY2025 Q1 | $440M | +15.2% | $6.14 | +27.9% | 80.1% | 40.8% | 34.7% | $187M |
| FY2025 Q2 | $499M | +15.0% | $6.59 | +27.7% | 82.4% | 49.3% | 32.6% | $65M |
| FY2025 Q3 | $536M | +19.8% | $7.40 | +46.5% | 83.7% | 48.9% | 33.9% | $276M |
| FY2025 Q4 | $516M | +13.6% | $6.42 | +18.0% | 82.3% | 46.0% | 30.1% | $219M |
| FY2026 Q1 | $512M | +16.4% | $6.61 | +7.7% | 83.0% | 45.7% | 30.9% | $174M |
| FY2026 Q2 | $692M | +38.7% | $11.14 | +69.0% | 86.8% | 58.2% | 38.2% | $223M |
| FY2026 Q3 | $674M | +25.7% | $10.45 | +41.2% | 87.1% | 53.8% | 35.2% | $380M |