Fair Isaac Corporation (FICO) Earnings Call Transcripts

Fair Isaac Corporation's Latest Earnings Call - Q3 FY2026

In Q3 2026, Fair Isaac Corporation (FICO) reported revenues of $674 million, a 26% increase year-over-year, and GAAP net income of $237 million, up 30%. The company raised its fiscal 2026 guidance, now expecting revenues of $2.53 billion, a 20% increase from the prior year, and GAAP earnings per share of $36.86, a 39% increase. The strong performance was driven by growth in the Scores segment, particularly in B2B scores, and an increase in free cash flow, which reached $370 million for the quarter.

Reported metrics

Guidance from management

FICO raised its fiscal 2026 revenue guidance to $2.53 billion and GAAP net income guidance to $850 million, with GAAP earnings per share of $36.86. Non-GAAP net income guidance is now $979 million, with non-GAAP earnings per share of $42.43.

What management said

Yes. So with respect to the DLP, not a lot of new news. We're literally waiting on certification from one of the GSEs so that we can go live. The operational stuff is all set up, ready to go. And as we've pointed out, we have agreements already covering 60% of the reseller volume. We are also very close to signing 2 additional resellers. So that's -- we're literally waiting for their okay. The -- in terms of interest...

Well, they now have an opportunity to test the 10T data as provided by the GSEs. And although we'd like to see 10T approved sooner rather than later, there is kind of a time, an elapsed time between releasing the data and doing the analysis and then approving 10T. There's a lot of interest. And as you know from my earlier remarks today, third parties like Milliman and others have done the analysis and 10T is more pre...

What analysts pressed on

Analysts expressed concerns about the impact of elevated interest rates on mortgage origination volumes, which have been below historical norms. There was also inquiry into the potential gaming behavior in the market due to the introduction of VantageScore alongside FICO scores.

Main topics on the call

• Revenue Growth Acceleration — FICO achieved Q3 revenues of $674 million, representing a 26% increase from the prior year. CEO Will Lansing stated, "With another strong quarter, we are increasing our fiscal 2026 guidance."
• Strong Earnings Performance — GAAP earnings per share reached $10.45, up 41% year-over-year, while non-GAAP earnings per share were $12.18, up 42%. This reflects robust profitability amid revenue growth, as noted by Lansing.
• Guidance Increase — FICO raised its full-year revenue guidance to $2.53 billion, a 20% increase from the prior year. Lansing mentioned, "We are raising our full year guidance as we enter the fourth quarter."
• Segment Performance — The Scores segment revenues were $459 million, up 41% year-over-year, driven by B2B scores. CFO Steve Weber highlighted that B2B revenues were up 49%, primarily due to a higher mortgage origination score unit price.

Read the full Fair Isaac Corporation transcript (Q3 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 44 Fair Isaac Corporation earnings call transcripts on record, spanning January 30, 2020 to July 29, 2026. Based on this history, Fair Isaac Corporation reports quarterly. The most recent call on file is dated July 29, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

FICO

Exchange

NYSE

Country

US

Sector

Information Technology

Industry

Software

Calls on record

44

First call

January 30, 2020

Most recent

July 29, 2026

Reporting cadence

quarterly