Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, ...
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Est. EPS $42.94 · Revenue $2.54B · 13 analysts
Est. EPS $10.51 · Revenue $644.00M · 10 analysts
Est. EPS $14.50 · Revenue $752.34M · 8 analysts
Est. EPS $14.46 · Revenue $768.59M · 8 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $2.0B | +15.9% | -2.5% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $651.9M | +27.1% | -10.3% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +82.2% | +3.1% | +0.3% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +46.5% | +8.8% | -7.6% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +32.7% | +9.7% | -8.0% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $769.9M | +26.7% | +70.1% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +38.7% | +9.3% | +74.6% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | -176.1% | +24.4% | +21.5% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.83x | -48.9% | -46.8% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $1.9B | +8.7% | -0.5% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 26.54 vs 29.49 | -10.0% | 10.45 vs 11.76 | -11.1% |
| Revenue Surprise | $2.0B vs $2.0B | +0.1% | $674.2M vs $679.2M | -0.7% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 24, 2026 | KELLY BRADEN R | director | Common Stock | A | 1,285 | $475.46 |
| Aug 24, 2026 | KELLY BRADEN R | director | Common Stock | A | 1,386 | $455.13 |
| Aug 24, 2026 | KELLY BRADEN R | director | Non-Qualified Stock Options (right to buy) | D | 1,386 | $455.13 |
| Aug 24, 2026 | KELLY BRADEN R | director | Non-Qualified Stock Options (right to buy) | D | 1,285 | $475.46 |
| Aug 22, 2026 | Stansbury Henry Tayloe | director | Common Stock | A | 91 | — |
Operator: Good day and welcome to the Q3 2026 FICO Earnings Conference Call. Please be advised that today's conference is being recorded. It is now my pleasure to introduce Dave Singleton. Please go ahead. Dave Singleton: Good afternoon and thank you for attending FICO's third quarter earnings call. I'm Dave Singleton, Vice President of Investor Relations and I'm joined today by our CEO, Will Lansing; and our CFO, Steve Weber. Today, we issued a press release that describes financial results compared to the prior year. On this call, management will also discuss results in comparison with the prior quarter to facilitate an understanding of the run rate of the business. Certain statements made in this presentation are forward-looking under the Private Securities Litigation Reform Act of 1995. Those statements involve many risks and uncertainties that could cause actual results to differ materially. Information concerning these risks and uncertainties is contained in the company's filings with the SEC, particularly in the risk factors and forward-looking statements portions of such filings. Copies are available from the SEC, from the FICO website or from our Investor Relations team. This call will also include statements regarding certain non-GAAP financial measures. Please refer to the company's earnings release and Regulation G schedule issued today for a reconciliation of these non-GAAP financial measures to the most comparable GAAP measure. The earnings release and Regulation G schedule are available on the Investor Relations page of the company's website at fico.com or on the SEC's website at sec.gov. A replay of this webcast will be available through July 29, 2027. Our quarterly investor presentation is available in the Investor Relations section of our website. We will refer to this presentation during today's earnings announcement. I will now turn the call over to our CEO, Will Lansing. William Lansing: Thanks, Dave and thank you, everyone, for joining us for our third quarter earnings call. With another strong quarter, we are increasing our fiscal 2026 guidance. We reported Q3 revenues of $674 million, up 26% over last year, as shown on Page 5 of our investor presentation. For the quarter, we reported $237 million in GAAP net income, up 30% and GAAP earnings of $10.45 per share, up 41% from the prior year. We reported $277 million in non-GAAP net income, up 31% and non-GAAP earnings of $12.18 per share, up 42% from the prior year. We delivered free cash flow of $370 million in our third quarter. Over the last 4 quarters, we delivered $961 million in free cash flow, an increase of 28% over the prior 4-quarter period. In Q3, we returned significant capital to shareholders through share repurchases with repurchase spending exceeding 3x the historical record quarter. Including our accelerated share repurchase plan, we bought back $1.96 billion or 1.705 million shares at an average price of $1,149 per share. At the segment level shown on Page …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
William J. Lansing | President, Chief Executive Officer & Director | USD 1,953,407 | Male | 1958 | Active |
Nikhil Behl | President of Software | USD 909,490 | Male | 1974 | Active |
Mark Russell Scadina | Executive Vice President, General Counsel & Corporate Secretary | USD 884,176 | Male | 1969 | Active |
Richard Shawn Deal | Executive Vice President & Chief Human Resources Officer | USD 708,177 | Male | 1967 | Active |
Steven Weber | Executive Vice President & Chief Financial Officer | USD 703,585 | Male | — | Active |
Michael S. Leonard | Vice President & Chief Accounting Officer | — | Male | 1965 | Active |
Dave Singleton | Vice President of Investor Relations | — | — | — | Active |
John Chen | Managing Director of China Operations | — | Male | — | Active |
Amir Hermelin | Vice President & Chief Technology Officer | — | Male | — | Active |
Thomas A. Bowers | Executive Vice President of Corporate Strategy | — | Male | 1956 | Active |
Situational Awareness, an AI-focused hedge fund, rapidly liquidated much of its $16B public equity portfolio after steep losses in AI-related stocks. Arm (ARM) is rallying after posting solid Q1 results and issuing upbeat guidance, while Fair Isaac (FICO) is tumbling after Q3 revenue missed consensus estimates.
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 - Get Free Report) and Telos (NASDAQ: TLS - Get Free Report) are both computer and technology companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, risk, dividends, profitability, earnings, institutional ownership and valuation. Analyst Recommendations This is a summary of
Revenue: Q3 revenues of $674 million, up 26% year-over-year.GAAP Net Income: $237 million, up 30% year-over-year.GAAP Earnings Per Share: $10.45, up 41% year-ov
