FICO beats Q3 earnings estimates as Scores demand fuels 26% revenue growth, margin expansion and a higher fiscal 2026 outlook despite softer software growth.
The stock is one of the worst performers in the S&P 500 on Thursday, according to Dow Jones Market Data.
Fair Isaac NYSE: FICO raised its fiscal 2026 outlook after reporting third-quarter revenue growth of 26%, supported by higher mortgage score pricing and continued expansion of its FICO Platform business.
Fair Isaac Corporation (FICO) Q3 2026 Earnings Call Transcript
Fair Isaac (FICO) came out with quarterly earnings of $12.18 per share, beating the Zacks Consensus Estimate of $12.02 per share. This compares to earnings of $8.57 per share a year ago.
The headline numbers for Fair Isaac (FICO) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
FICO is set to report Q3 earnings on July 29, with Scores strength in focus as higher mortgage pricing, Score 10T adoption and Platform growth support revenues.
Fair Isaac (FICO) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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Fair Isaac Corporation delivered outstanding Q2 2026 results, with revenue up 39% and Scores revenue surging 60%, driven by mortgage market strength. FICO's core Scores business boasts a 91% operating margin and strong pricing power, while the FICO Platform adds a high-growth, AI-driven software layer. Despite regulatory risks and competition from VantageScore, FICO's moat, buybacks, and forward EPS growth justify a Strong Buy rating at current valuation.
Fair Isaac Corporation (FICO) is initiated at Buy, with concerns over VantageScore competition and pricing seen as overblown. FICO's dominant market position, robust margins, and entrenched relationships make large-scale lender migration to VantageScore unlikely. Recent price cuts on FICO's 10T product neutralize VantageScore's pricing advantage, reinforcing the duopoly and supporting margin resilience.
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