Jun 2026 (Q3 FY26) — Jul 29, 2026
FICO Q3 FY26 — Strong Scores Growth and Raised Full-Year Guidance
Read the full callFair Isaac (FICO) earnings
- Jun 2026
- Jun 2026 (Q3 FY26)
- Sep 2025
Fair Isaac earnings: last reported Wed, 29 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 674 | +25.7% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | 53.8 | +4.9 pts YoY | Operating profit / revenue | Quarter to Jun 2026 | For the quarter; a change is in percentage points. |
| Net profit | 237 | +30.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
9 of 10 judged targets kept · 24 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Next-generation UltraFICO Score (Plaid) launch | launch for distribution with Plaid in the first half of calendar 2026 | Dec 2025 | We recently announced the general availability of the next-generation UltraFICO Score developed in partnership with Plaid. | Achieved |
| FICO Score 10T available for Direct Licensing (conforming and nonconforming) | available for Direct Licensing in both conforming and nonconforming in the first half of calendar '26 | Dec 2025 | it's not yet live because it's waiting on the certification from one of the GSEs. | Delayed |
| FY26 ACV bookings vs. FY25 | significantly higher than FY25 | Dec 2025 | On a trailing 12-month basis, ACV bookings reached $128 million this quarter, an increase of 39% from the same period last year. | On Track |
1 of FAIR ISAAC CORP's 34 targets was missed. See which ones, and which are quietly gone. The 3 above are the free sample; 31 more targets are in the full ledger.
Claimed
- Q3 revenues of $674 million, up 26% over last year.
- Non-GAAP EPS of $12.18, up 42% from the prior year.
- Free cash flow of $370 million in Q3, with TTM FCF up 28% to $961 million.
- Scores segment revenues up 41% YoY to $459 million, driven by B2B Scores (up 49%).
- Platform ARR grew 62% YoY to $413 million, now exceeding non-platform ARR for the first time.
- Full-year revenue guidance raised to $2.53 billion, an increase of 20% versus prior year.
Qualified
- Non-platform revenue declined 25% YoY, and non-platform ARR declined 17% YoY.
- Software segment revenue grew only 2% YoY, with on-premises revenue down 16% and professional services down 24%.
- Mortgage origination revenue growth decelerated YoY and QoQ due to softer mortgage volumes.
- Operating expenses increased 8% QoQ, outpacing overall software revenue growth, due to marketing and personnel expenses.
- The FICO Mortgage Direct Licensing Program (DLP) is still under review by the GSEs, delaying its go-live.
Price
$781.07 +1.28% · +$9.88
Performance −51.7% 1Y
1Y: $1,616 on 17 Oct 2025 → $781.07. High $1,844.98 (12 Dec 2025), low $592.47 (30 Sept 2026).
- Previous close
- $771.19
- 52-week range
- $592.47 – $1,844.98
- One year
- −51.80%
Overview
- Symbol
- FICO
- Sector
- Information Technology
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
9 of 10 judged targets kept · 24 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Next-generation UltraFICO Score (Plaid) launch | launch for distribution with Plaid in the first half of calendar 2026 | Dec 2025 | We recently announced the general availability of the next-generation UltraFICO Score developed in partnership with Plaid. | Achieved |
| FICO Score 10T available for Direct Licensing (conforming and nonconforming) | available for Direct Licensing in both conforming and nonconforming in the first half of calendar '26 | Dec 2025 | it's not yet live because it's waiting on the certification from one of the GSEs. | Delayed |
| FY26 ACV bookings vs. FY25 | significantly higher than FY25 | Dec 2025 | On a trailing 12-month basis, ACV bookings reached $128 million this quarter, an increase of 39% from the same period last year. | On Track |
Claimed
- Q3 revenues of $674 million, up 26% over last year.
- Non-GAAP EPS of $12.18, up 42% from the prior year.
- Free cash flow of $370 million in Q3, with TTM FCF up 28% to $961 million.
- Scores segment revenues up 41% YoY to $459 million, driven by B2B Scores (up 49%).
- Platform ARR grew 62% YoY to $413 million, now exceeding non-platform ARR for the first time.
- Full-year revenue guidance raised to $2.53 billion, an increase of 20% versus prior year.
Qualified
- Non-platform revenue declined 25% YoY, and non-platform ARR declined 17% YoY.
- Software segment revenue grew only 2% YoY, with on-premises revenue down 16% and professional services down 24%.
- Mortgage origination revenue growth decelerated YoY and QoQ due to softer mortgage volumes.
- Operating expenses increased 8% QoQ, outpacing overall software revenue growth, due to marketing and personnel expenses.
- The FICO Mortgage Direct Licensing Program (DLP) is still under review by the GSEs, delaying its go-live.
The full ledger
Open FAIR ISAAC CORP’s full ledger
A free account opens 5 company ledgers a month. All 34 tracked commitments, with each call’s wording and source.
Call summaries
Mar 2026 (Q2 FY26) — Apr 28, 2026
FICO Q2 FY26 — Scores surge 60% on mortgage; FY26 guidance raised to $2.45B
Read the full callDec 2025 (Q1 FY26) — Jan 28, 2026
Fair Isaac Corporation Q1 FY26 — Strong Scores Growth and Software Platform Momentum
Read the full callEvery analysed call
Fair Isaac earnings calls (FICO)
Financials
What the filings say
Net profit, year on year: +30% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 454 | 440 | 499 | 536 | 516 | 512 | 692 | 674 |
| Expenses | 257 | 260 | 253 | 274 | 279 | 278 | 289 | 312 |
| Operating profit | 197 | 180 | 246 | 263 | 237 | 234 | 402 | 363 |
| Operating margin | 43.5% | 40.8% | 49.3% | 48.9% | 46.0% | 45.7% | 58.2% | 53.8% |
| Interest | 29 | 29 | 31 | 33 | 40 | 42 | 45 | 60 |
| Profit before tax | 171 | 150 | 213 | 237 | 202 | 192 | 356 | 315 |
| Tax rate | 20.8% | −1.6% | 23.7% | 23.3% | 23.4% | 17.5% | 25.7% | 24.6% |
| Net profit | 136 | 153 | 163 | 182 | 155 | 158 | 264 | 237 |
| EPS ($ per share) | — | 6.26 | 6.67 | 7.49 | — | 6.68 | 11.19 | 10.46 |
| Line item | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Reserves | 1,765 | 1,957 | 2,193 | 2,585 | 2,959 | 3,388 | 3,901 | 4,553 |
| Total liabilities | 1,043 | 1,144 | 1,275 | 1,679 | 2,244 | 2,263 | 2,681 | 3,614 |
| Fixed assets | 49 | 53 | 46 | 28 | 18 | 11 | 38 | 68 |
| Total assets | 1,330 | 1,433 | 1,606 | 1,568 | 1,442 | 1,575 | 1,718 | 1,868 |
| Line item | Sep 2018 | Sep 2019 | Sep 2020 | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 223 | 260 | 365 | 424 | 509 | 469 | 633 | 779 |
| Cash from investing | -14 | -43 | -25 | 138 | -6 | -16 | -28 | -44 |
| Cash from financing | -219 | -200 | -289 | -524 | -547 | -455 | -593 | -750 |
| Net cash flow | -16 | 16 | 51 | 38 | -62 | 4 | 14 | -17 |
| Capital expenditure | -31 | -24 | -22 | -8 | -6 | -4 | -9 | -9 |
| Free cash flow | 192 | 236 | 343 | 416 | 503 | 465 | 624 | 770 |
FICO revenue by segment
Software shrank from 46% to 32% of revenue over the last two years.
| Segment | Q3 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|---|
| Scores | 54% | 54% | 60% | 60% | 60% | 59% | 69% | 68% | +41.5% |
| Software | 46% | 46% | 40% | 40% | 40% | 41% | 31% | 32% | +1.5% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
FICO operating KPIs by quarter
| KPI | Dec 2024 Q1 FY25 | Mar 2025 Q2 FY25 | Dec 2025 Q1 FY26 | Mar 2026 Q2 FY26 | Jun 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|---|---|
| Net revenue retention rate | 105%Total NRR for the quarter shown on Page 8, was 105% with platform NRR at 112% and non-platform at 100%.Source: earnings call transcript | 102%Total NRR for the quarter shown on Page 8 was 102% with platform NRR at 110% and non-platform at 96%.Source: earnings call transcript | 103%Our dollar-based net retention rate in the quarter was 103%, platform NRR was 122%, while our non-platform NRR was 91%.Source: earnings call transcript | 109%Our dollar-based net retention rate in the quarter was 109%.Source: earnings call transcript | 109%Our dollar-based net retention rate in the quarter was 109%.Source: earnings call transcript | 0 pt |
| Net revenue retention rate Platform | 112%Total NRR for the quarter shown on Page 8, was 105% with platform NRR at 112% and non-platform at 100%.Source: earnings call transcript | 110%Total NRR for the quarter shown on Page 8 was 102% with platform NRR at 110% and non-platform at 96%.Source: earnings call transcript | 122%Our dollar-based net retention rate in the quarter was 103%, platform NRR was 122%, while our non-platform NRR was 91%.Source: earnings call transcript | 136%Platform NRR was 136%, while our non-platform NRR was 90%.Source: earnings call transcript | 148%Platform NRR was 148%, while our non-platform NRR was 82%.Source: earnings call transcript | +12 pt |
| Net revenue retention rate Non-platform | 100%Total NRR for the quarter shown on Page 8, was 105% with platform NRR at 112% and non-platform at 100%.Source: earnings call transcript | 96%Total NRR for the quarter shown on Page 8 was 102% with platform NRR at 110% and non-platform at 96%.Source: earnings call transcript | 91%Our dollar-based net retention rate in the quarter was 103%, platform NRR was 122%, while our non-platform NRR was 91%.Source: earnings call transcript | 90%Platform NRR was 136%, while our non-platform NRR was 90%.Source: earnings call transcript | 82%Platform NRR was 148%, while our non-platform NRR was 82%.Source: earnings call transcript | -8 pt |
| ACV bookings | $21.2MACV bookings for the quarter were $21.2 million compared to $18.3 million in the prior year.Source: earnings call transcript | $21.8MACV bookings for the quarter were $21.8 million compared to $16.8 million in the prior year.Source: earnings call transcript | $38MOur software ACV bookings for the quarter were a record of $38 million, as shown on Page 15 of the presentation.Source: earnings call transcript | $28MOur software ACV bookings for the quarter were $28 million, as shown on Page 18 of our presentation.Source: earnings call transcript | $29MOur software ACV bookings for the quarter were $29 million, as shown on Page 19 of the presentation.Source: earnings call transcript | +3.6% |
| Annual recurring revenue (ARR) Software | $729MOur total Software ARR was $729 million, a 6% increase over the prior year.Source: earnings call transcript | $715MOur total software ARR was $715 million, a 3% increase over the prior year.Source: earnings call transcript | $766MOur total software ARR, as shown on Page 16, was $766 million, a 5% increase over the prior year.Source: earnings call transcript | $789MOur total software ARR, as shown on Page 19, was $789 million, a 10% increase over the prior year.Source: earnings call transcript | $816MOur total software ARR, as shown on Page 20, was $816 million, a 10% increase over the prior year.Source: earnings call transcript | +3.4% |
| Annual recurring revenue (ARR) Platform | $228MPlatform ARR was $228 million, representing 31% of our total Q1 '25 ARR and was up 28% and up from 28% of total Q1 '24 ARR.Source: earnings call transcript | $235MPlatform ARR was $235 million, representing 33% of our total Q2 '25 ARR, up from 29% of total Q2 '24 ARR.Source: earnings call transcript | $303MPlatform ARR was $303 million, representing 40% of our total Q1 '26 ARR.Source: earnings call transcript | $349MPlatform ARR was $349 million, representing 44% of our total Q2 '26 ARR.Source: earnings call transcript | $413MPlatform ARR grew 62% versus the prior year to $413 million and represented 51% of our total Q3 '26 ARR, while non-platform declined 17% to $403 million for the quarter.Source: earnings call transcript | +18.3% |
| Annual recurring revenue (ARR) Non-platform | $501MPlatform ARR grew 20% versus the prior year, while nonplatform grew 1% to $501 million this quarter.Source: earnings call transcript | $480MPlatform ARR grew 17% versus the prior year, while non-platform declined 3% to $480 million this quarter.Source: earnings call transcript | $463MPlatform ARR grew 33% versus the prior year, while non-platform declined 8% to $463 million this quarter.Source: earnings call transcript | $440MPlatform ARR grew 49% versus the prior year, while nonplatform declined 8% to $440 million this quarter.Source: earnings call transcript | $403MPlatform ARR grew 62% versus the prior year to $413 million and represented 51% of our total Q3 '26 ARR, while non-platform declined 17% to $403 million for the quarter.Source: earnings call transcript | -8.4% |
| Customers Platform | — | — | 150+We now have over 150 customers on FICO platform with more than half leveraging FICO platform for multiple use cases.Source: earnings call transcript | 150+There are over 150 clients globally using the FICO Platform across multiple connected use cases to power their customer experience, business critical operations, risk management and fraud monitoring and prevention.Source: earnings call transcript | — | — |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Revenue by region
Q3 FY2026 · share of revenue
- US 82%
- EMEA 6% ↓ 4 pt
- Asia Pacific 3% ↓ 1 pt
As FICO cuts its regions in its filings; they can nest, so they need not add to 100%.
Insider filings
82 filings between Nov 10, 2025 and Aug 24, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$10.60M
21 sales by 5 insiders
14% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 37
- Option exercise — converted options into shares
- 20
- Tax withheld — shares kept back by the company to cover tax
Also filed: 4 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| LANSING WILLIAM J | — | $4.16M | Nov 10, 2025 |
| Manolis Eva | — | $2.94M | Jul 29, 2026 |
| Weber Steven P. | — | $2.58M | Dec 17, 2025 |
| Rees Joanna | — | $486.9K | Feb 13, 2026 |
| MCMORRIS MARC F | — | $434.3K | Nov 26, 2025 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 24, 2026 | KELLY BRADEN R Director | Option exercise | 1,285 | $611.0K |
| Aug 24, 2026 | KELLY BRADEN R Director | Option exercise | 1,386 | $630.8K |
| Aug 22, 2026 | Stansbury Henry Tayloe Director | Option exercise | 91 | $0 |
| Aug 21, 2026 | KELLY BRADEN R Director | Option exercise | 1,682 | $658.6K |
| Jul 29, 2026 | Manolis Eva Director | Sale 10b5-1 plan | 967 | $1.35M |
| Jul 29, 2026 | Manolis Eva Director | Option exercise 10b5-1 plan | 967 | $378.6K |
| Jul 5, 2026 | Behl Nikhil President, Software | Tax withheld | 124 | $157.6K |
| Jul 5, 2026 | Behl Nikhil President, Software | Option exercise | 242 | $0 |
| Jun 5, 2026 | LANSING WILLIAM J President and CEO | Option exercise | 784 | $0 |
| Jun 5, 2026 | LANSING WILLIAM J President and CEO | Tax withheld | 236 | $268.4K |
| May 23, 2026 | Behl Nikhil President, Software | Option exercise | 2,194 | $0 |
| May 23, 2026 | Behl Nikhil President, Software | Tax withheld | 998 | $1.24M |
| May 15, 2026 | Weber Steven P. Executive Vice President & CFO | Tax withheld | 310 | $340.6K |
| May 15, 2026 | Weber Steven P. Executive Vice President & CFO | Option exercise | 706 | $0 |
| Mar 4, 2026 | Stansbury Henry Tayloe Director | Option exercise | 77 | $0 |
| Mar 4, 2026 | ARREDONDO FABIOLA R Director | Option exercise | 154 | $0 |
| Mar 4, 2026 | KELLY BRADEN R Director | Option exercise | 171 | $0 |
| Mar 4, 2026 | Manolis Eva Director | Option exercise | 154 | $0 |
| Mar 4, 2026 | Rey David A Director | Option exercise | 94 | $0 |
| Mar 4, 2026 | MCMORRIS MARC F Director | Option exercise | 77 | $0 |
| Feb 25, 2026 | Manolis Eva Director | Sale 10b5-1 plan | 520 | $638.4K |
| Feb 25, 2026 | Manolis Eva Director | Option exercise 10b5-1 plan | 520 | $128.9K |
| Feb 24, 2026 | Rey David A Director | Option exercise | 3,192 | $791.0K |
| Feb 13, 2026 | Rees Joanna Director | Sale | 358 | $486.9K |
| Feb 13, 2026 | Rees Joanna Director | Option exercise | 358 | $140.2K |
| Jan 9, 2026 | Weber Steven P. Executive Vice President & CFO | Option exercise | 421 | $0 |
| Jan 9, 2026 | Weber Steven P. Executive Vice President & CFO | Tax withheld | 141 | $234.8K |
| Dec 18, 2025 | Weber Steven P. Executive Vice President & CFO | Gift | 562 | $0 |
| Dec 17, 2025 | Weber Steven P. Executive Vice President & CFO | Sale | 1,426 | $2.58M |
| Dec 12, 2025 | Manolis Eva Director | Sale 10b5-1 plan | 521 | $951.3K |
| Dec 12, 2025 | Manolis Eva Director | Option exercise 10b5-1 plan | 521 | $129.1K |
| Dec 10, 2025 | Leonard Michael S CAO and Vice President | Option exercise | 200 | $0 |
| Dec 10, 2025 | LANSING WILLIAM J President and CEO | Tax withheld | 1,412 | $2.47M |
| Dec 10, 2025 | LANSING WILLIAM J President and CEO | Option exercise | 3,120 | $0 |
| Dec 10, 2025 | Weber Steven P. Executive Vice President & CFO | Option exercise | 200 | $0 |
| Dec 10, 2025 | Weber Steven P. Executive Vice President & CFO | Tax withheld | 94 | $164.7K |
| Dec 10, 2025 | DEAL RICHARD Executive Vice President | Tax withheld | 405 | $709.7K |
| Dec 10, 2025 | DEAL RICHARD Executive Vice President | Option exercise | 891 | $0 |
| Dec 10, 2025 | Scadina Mark R EVP, Gen. Counsel & Sec. | Tax withheld | 492 | $862.1K |
| Dec 10, 2025 | Bowers Thomas A. Executive Vice President | Tax withheld | 247 | $432.8K |
| Dec 10, 2025 | Behl Nikhil President, Software | Option exercise | 468 | $0 |
| Dec 10, 2025 | Behl Nikhil President, Software | Tax withheld | 238 | $417.0K |
| Dec 10, 2025 | Leonard Michael S CAO and Vice President | Tax withheld | 102 | $178.7K |
| Dec 10, 2025 | Bowers Thomas A. Executive Vice President | Option exercise | 446 | $0 |
| Dec 10, 2025 | Scadina Mark R EVP, Gen. Counsel & Sec. | Option exercise | 891 | $0 |
| Dec 9, 2025 | Leonard Michael S CAO and Vice President | Tax withheld | 523 | $916.1K |
| Dec 9, 2025 | Leonard Michael S CAO and Vice President | Option exercise | 1,182 | $0 |
| Dec 9, 2025 | LANSING WILLIAM J President and CEO | Tax withheld | 16,357 | $28.65M |
| Dec 9, 2025 | LANSING WILLIAM J President and CEO | Option exercise | 36,140 | $0 |
| Dec 9, 2025 | DEAL RICHARD Executive Vice President | Tax withheld | 3,178 | $5.57M |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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