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Fair Isaac FICO Q3 2026 earnings

Reported July 29, 2026 · After market close

Revenue$674.2MMiss by $5.0M
Adjusted EPS$12.18Beat by $0.42
Revenue estimate$679.2M
EPS estimate$11.76
“We are pleased to announce that we are raising our full year guidance.”
Will Lansing

Next report

Nov 4, 2026 (In 3 weeks)
Revenue estimate$659.5M
EPS estimate$10.91

Financials

Q3 2026

Income statement

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Revenue$674.2M+25.7%
Gross profit$587.2M+30.8%
Operating income$362.6M+38.1%
Net income$237.2M+30.5%
EPS (diluted)$10.45+41.2%

Balance sheet

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Cash & equivalents$235.2M+50.1%
Total debt$5.6B+99.9%
Total equity-$4.1B-193%
Total assets$2.0B+9.4%

Cash flow

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Operating cash flow$380.4M+32.9%
CapEx$863.0K-51.8%
Free cash flow$379.6M+33.5%

Valuation & ratios

Valuation

as of 10/09/26
See full
Market cap$15.28B-62.7%
Enterprise value$20.64B-53.1%
P/E18.8×-44.2×
P/S6.4×-14.2×

Profitability

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Gross margin85.1%+3.4pp
Operating margin51.7%+5.8pp
Net margin34.1%+1.3pp
FCF margin41.6%+1.4pp

Returns & leverage

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Current ratio1.2×+0.3×

Segments

By product

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Business-to-business Scores$400.0M+49.0%
SaaS software$128.7M+21.2%
Platform software$101.8M+65.7%
Non-platform software$95.1M-24.8%
On-premises software$68.2M-16.5%

By geography

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Americas$611.9M+30.2%
Europe, Middle East and Africa$41.4M+0.1%
Asia Pacific$20.8M-16.2%

By segment

See full
Scores$458.9M+41.5%
Software$215.3M+1.5%

FAQ

When did Fair Isaac report Q3 2026 earnings?
Fair Isaac (FICO) reported Q3 2026 earnings on July 29, 2026 after market close.
What were Fair Isaac's Q3 2026 revenue and EPS?
Fair Isaac reported revenue of $674.2M and adjusted eps of $12.18 for Q3 2026.
Did Fair Isaac beat estimates in Q3 2026?
Revenue missed the consensus estimate of $679.2M by $5.0M. EPS beat the consensus estimate of $11.76 by $0.42.
How did Fair Isaac's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.7% from $536.4M a year earlier.
Where can I find Fair Isaac's Q3 2026 SEC filings?
You can read the 8-K earnings release (0000814547-26-000031) and the 10-Q periodic report (0000814547-26-000030) directly on SEC EDGAR. The filing index links above go to sec.gov.