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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Faiza Alwy | Deutsche Bank | 16 questions · 6% challenging |
| Manav Patnaik | Barclays | 16 questions · 19% challenging |
| Surinder Thind | Jefferies | 15 questions · 20% challenging |
| Jason Haas | Wells Fargo | 15 questions · 20% challenging |
| George Tong | Goldman Sachs | 14 questions · 14% challenging |
| Owen Lau | Clear Street | 13 questions · 8% challenging |
| Kyle Peterson | Needham | 13 questions · 0% challenging |
| Ashish Sabadra | RBC Capital Markets | 13 questions · 23% challenging |
| Simon Clinch | Redburn Atlantic | 12 questions · 33% challenging |
| Scott Wurtzel | Wolfe Research | 11 questions · 9% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Deutsche Bank | 1 analyst | 16 questions · 6% challenging |
| Barclays | 1 analyst | 16 questions · 19% challenging |
| RBC Capital Markets | 2 analysts | 15 questions · 20% challenging |
| Jefferies | 1 analyst | 15 questions · 20% challenging |
| Wells Fargo | 1 analyst | 15 questions · 20% challenging |
| Goldman Sachs | 1 analyst | 14 questions · 14% challenging |
| Needham | 1 analyst | 13 questions · 0% challenging |
| Clear Street | 1 analyst | 13 questions · 8% challenging |
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.
Demand | Pricing | Competitive Dynamics | Cloud & AI | Regulation Policy | Product Launch | Guidance Reliability | Revenue Growth | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 5 | 6 | 4 | 1 | 2 | 3 | 4 | |
| 2025Q1 | 10 | 1 | 3 | 6 | 3 | 2 | 3 | 3 |
| 2025Q2 | 12 | 2 | 2 | 10 | 1 | 2 | 1 | 3 |
| 2025Q3 | 7 | 4 | 7 | 5 | 9 | 6 | 2 | 3 |
| 2025Q4 | 5 | 10 | 6 | 2 | 1 | 2 | 3 | |
| 2026Q1 | 8 | 9 | 7 | 8 | 7 | 8 | 2 | |
| 2026Q2 | 7 | 9 | 12 | 2 | 8 | 7 | 2 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | '26Q2 | |
|---|---|---|---|---|---|---|---|
| Demand | 5 | 10 | 12 | 7 | 5 | 8 | 7 |
| Pricing | 6 | 1 | 2 | 4 | 10 | 9 | 9 |
| Competitive Dynamics | 4 | 3 | 2 | 7 | 6 | 7 | 12 |
| Cloud & AI | 1 | 6 | 10 | 5 | 2 | 8 | 2 |
| Regulation Policy | 2 | 3 | 1 | 9 | 1 | 7 | 8 |
| Product Launch | 2 | 2 | 6 | 2 | 8 | 7 | |
| Guidance Reliability | 3 | 3 | 1 | 2 | 3 | 2 | 2 |
| Revenue Growth | 4 | 3 | 3 | 3 |
What FICO and other companies said about each other on FY2026 Q2 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“If you use that $1 versus the $10 FICO score, that's $1 billion worth of run rate annual cost savings for the industry.”
Equifax cut VantageScore mortgage pricing to $1 versus FICO's $10, positioning ~$1B of industry cost savings to accelerate conversion away from FICO once FHFA activates VantageScore.
“As a reminder, we make no margin on the sale of FICO scores.”
Equifax earns zero margin reselling FICO mortgage scores; a shift to VantageScore would be margin-accretive to Equifax, an adverse signal for FICO's mortgage-score royalty stream.
“the experiment with AI and some of the black box underwriting that was undertaken several years ago by Upstart ended with the CFPB shutting it down.”
FICO cites Upstart's black-box AI underwriting effort being halted by the CFPB as evidence that AI faces major regulatory hurdles displacing the FICO score.
“with our strategic partner, Plaid and the FICO mortgage direct licensing our reseller partners.”
FICO is advancing toward go-live of its next-generation Cash Flow UltraFICO Score in partnership with data-network provider Plaid.
“We have a better score than Vantage. There's not a good reason for them to take any share at all.”
FICO dismisses competitive threat from VantageScore in the conforming mortgage market, arguing FICO is superior on predictiveness and at parity on price, and estimates Vantage's paid share at roughly 2%.
No 8-K events recorded for this window.
Calendar quarter Q1 2026Earnings call Apr 28, 2026
FY2026 Q2 in brief
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.
Newest quarter FY2026 Q3 is part of Pro · see what Pro adds →
Sources. Tellvest earnings-call sentiment score for Fair Isaac (FICO), FY2026 Q2: 9/10. Scores: Fair Isaac’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: FICO daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
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| 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 Q2Selected | $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 |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
GAAP revenue YoY +38.7% → base 8. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
FICO Fair Isaac | 9 | +38.7% | |
| ADSK Autodesk | 10 | +19.8% | |
| AI C3.ai, Inc. | 1 | -46.1% | |
| APP Applovin Corp | 9 | +59.0% | |
| CDNS Cadence Design Systems | 9 | +18.7% | |
| CHYM Chime Financial, Inc. Class A Common Stock | 10 | +24.8% | |
| CRM Salesforce, Inc. | 9 | +12.1% | |
| DDOG Datadog | 10 | +32.1% | |
| DUOL Duolingo, Inc. | 9 | +26.5% | |
| FIG Figma, Inc. | 9 | +46.1% | |
| INTU Intuit | 9 | +17.4% | |
| MSTR MicroStrategy Inc. | 7 | +11.9% | |
| NOW ServiceNow | 7 | +22.1% | |
| PTC PTC Inc. | 9 | +21.7% | |
| SHOP Shopify | 8 | +34.3% | |
| SNOW Snowflake Inc. | 9 | +30.1% | |
| SOUN SoundHound AI, Inc. | 8 | +51.7% | |
| TEAM Atlassian | 7 | +31.7% | |
| TTD The Trade Desk, Inc. | 8 | +11.8% | |
| TYL Tyler Technologies | 8 | +8.6% | |
| U Unity Software Inc. | 9 | +16.8% | |
| UBER Uber | 8 | +14.5% | |
| WDAY Workday, Inc. | 7 | +14.5% |