Earnings summaries and quarterly performance for FAIR ISAAC.
Executive leadership at FAIR ISAAC.
Board of directors at FAIR ISAAC.
Research analysts who have asked questions during FAIR ISAAC earnings calls.
Jason Haas
Wells Fargo
9 questions for FICO
Also covers: ASGN, CTAS, ECL +12 more
ST
Surinder Thind
Jefferies Financial Group
9 questions for FICO
Also covers: ASGN, CLVT, CSGP +25 more
Ashish Sabadra
RBC Capital Markets
8 questions for FICO
Also covers: ADP, CBOE, CLVT +20 more
MP
Manav Patnaik
Barclays
8 questions for FICO
Also covers: BFAM, CLVT, CTAS +17 more
Scott Wurtzel
Wolfe Research
8 questions for FICO
Also covers: ADP, BR, CLVT +12 more
Faiza Alwy
Deutsche Bank
7 questions for FICO
Also covers: ABM, ADV, ARMK +18 more
KM
Kevin McVeigh
Credit Suisse Group AG
7 questions for FICO
Also covers: ACN, ADP, ALIT +15 more
Kyle Peterson
Needham & Company
7 questions for FICO
Also covers: AFRM, ALIT, AX +14 more
OL
Owen Lau
Oppenheimer & Co. Inc.
6 questions for FICO
Also covers: BLSH, CLVT, CME +9 more
CH
Craig Huber
Huber Research Partners
5 questions for FICO
Also covers: CSGP, DNB, EFX +12 more
RG
Ryan Griffin
BMO Capital Markets
5 questions for FICO
Also covers: AMN, ASGN, COUR +5 more
AH
Alexander Hess
JPMorgan Chase & Co.
4 questions for FICO
Also covers: MSCI, NIQ
George Tong
Goldman Sachs
3 questions for FICO
Also covers: ADT, BCO, BFAM +25 more
Jeff Meuler
Robert W. Baird & Co.
3 questions for FICO
Also covers: EFX, IT, KLC +3 more
KF
Keen Fai Tong
Goldman Sachs Group Inc.
3 questions for FICO
Also covers: ADT, BCO, BFAM +21 more
Matthew O'Neill
Financial Technology Partners
3 questions for FICO
Also covers: AFRM, EFX, ETOR +7 more
SA
Simon Alistair Clinch
Redburn Atlantic
3 questions for FICO
Also covers: CME, EFX, ICE +3 more
SC
Simon Clinch
Redburn Atlantic
3 questions for FICO
Also covers: CME, EFX, ICE +4 more
GA
Guru Ariel
Oppenheimer
2 questions for FICO
JM
Jeffrey Miller
Baird
2 questions for FICO
Also covers: IT
JD
Joshua Dennerlein
BofA Securities
2 questions for FICO
Also covers: AHR, AMH, ARE +20 more
Rayna Kumar
Oppenheimer & Co. Inc.
2 questions for FICO
Also covers: AFRM, BLSH, CPAY +14 more
SP
Stephen Polk
Robert W. Baird & Co. Incorporated
2 questions for FICO
AE
Alexander EM Hess
JPMorgan Chase & Co.
1 question for FICO
Also covers: ARMK, BV, DNB +4 more
AS
Andrew Stein
FT Partners
1 question for FICO
Also covers: EFX, HOOD, LMND
David Paige
RBC Capital Markets
1 question for FICO
Also covers: ADP, APG, AXON +6 more
F
Faisal
Goldman Sachs
1 question for FICO
Also covers: SSL
Jeffrey Meuler
Robert W. Baird & Co. Incorporated
1 question for FICO
Also covers: BFAM, CSGP, EFX +7 more
John Mazzoni
Seaport Research Partners
1 question for FICO
KM
Kevin McVay
UBS
1 question for FICO
KS
Kwun Sum Lau
Oppenheimer
1 question for FICO
Also covers: CBOE, CLVT, CME +9 more
SN
Sami Nasir
Goldman Sachs
1 question for FICO
Also covers: KFY
SZ
Sammy Zhang
Goldman Sachs
1 question for FICO
Recent press releases and 8-K filings for FICO.
FICO announces $1.5B stock repurchase program
FICO
Share Buyback
- FICO’s Board approved a new stock repurchase program to acquire up to $1.5 billion of common stock.
- The open-ended program allows repurchases in the open market and in negotiated transactions.
- This program succeeds a prior repurchase plan that ran from June 2025 until February 2026.
2 days ago
FICO publishes UK credit card market report for December 2025
FICO
- December spending rose by 5.6% month-on-month to £830, though it remained 3.5% below December 2024 levels.
- Average active balances hit a record £1,950, up 1.7% from November and 4.8% year-on-year.
- The share of balance paid stabilized at 33.4%, a 0.1% monthly increase but 6.8% lower than a year earlier.
- Delinquency rates climbed, with accounts missing one payment up 6.4% month-on-month and those missing three payments up 3.7% month-on-month and 4.9% year-on-year.
Feb 17, 2026, 9:00 AM
FICO Score 10T adoption accelerates among mortgage lenders
FICO
Product Launch
- Fair Isaac reports that over 40 lenders have joined the FICO® Score 10T Adopter Program for non-conforming mortgage loans, driven by community lenders serving underserved markets.
- The program’s early adopters include TLC Community Credit Union, Magnolia Bank, William Raveis Mortgage, Nation One Mortgage, and others.
- Spring EQ became the first HELOC lender to implement FICO® Score 10T, demonstrating its applicability across home-equity products.
- FICO estimates Score 10T can deliver up to 5% more loan approvals or a 17% reduction in delinquencies, with no extra fee for dual processing alongside the Classic FICO Score.
- FICO’s Mortgage and Capital Markets team will support lenders in maximizing Score 10T benefits to expand sustainable homeownership.
Feb 3, 2026, 1:00 PM
FICO reports UK credit card trends for November 2025
FICO
Demand Weakening
- Average UK credit card spending rose 2.6% month-on-month to £785, but remained 2.4% below November 2024 levels.
- Average active balances climbed 0.8% month-on-month to £1,915, up 5% year-on-year.
- Payment rates dropped to 33.4%, the lowest since 2021, down 2.8% month-on-month and 7.4% year-on-year.
- Accounts over their credit limit increased 6.4% month-on-month and 5.9% year-on-year, signaling rising cardholder stress.
- The share of customers using cards for cash declined 12.3% month-on-month and 15.2% year-on-year.
Jan 30, 2026, 9:00 AM
FICO reports Q1 2026 results
FICO
Earnings
Share Buyback
Guidance Update
- Q1 revenues of $512 M (+16% YoY); GAAP net income $158 M (+4%), GAAP EPS $6.61 (+8%); non-GAAP net income $176 M (+22%), non-GAAP EPS $7.33 (+27%); free cash flow $165 M
- Scores segment revenue $305 M (+29% YoY) led by B2B mortgage originations; Software revenue $207 M (+2%), including 37% platform growth
- Record ACV bookings of $38 M; total software ARR $766 M (+5%), platform ARR $303 M (+33%); platform NRR 122% vs non-platform 91%
- Non-GAAP operating margin 54% (+432 bps YoY); cash and marketable securities $218 M; repurchased 95,000 shares at avg. $1,707
- Reiterated fiscal 2026 guidance, with update to be provided on the Q2 earnings call
Jan 28, 2026, 10:00 PM
FICO reports Q1 2026 earnings results
FICO
Earnings
Share Buyback
Guidance Update
- Q1 revenues of $512 million, up 16% YoY; GAAP net income $158 million (+4%) and GAAP EPS $6.61 (+8%); non-GAAP net income $176 million (+22%) and non-GAAP EPS $7.33 (+27%).
- Free cash flow of $165 million in Q1 and $718 million over the trailing four quarters (+7% YoY); repurchased 95,000 shares at $1,707 avg. price for $163 million in Q1.
- Scores segment revenue $305 million (+29% YoY), led by B2B (+36%) and mortgage originations (+60%); software segment revenue $207 million (+2% YoY), record ACV bookings of $38 million, ARR $766 million (+5%), platform ARR $303 million (+33%) and net retention 103%.
- Reiterated FY 2026 guidance; non-GAAP operating margin 54% (+432 bps YoY), cash and marketable investments $218 million, total debt $3.2 billion at a 5.22% weighted-avg. interest rate.
Jan 28, 2026, 10:00 PM
FICO reports Q1 FY26 results
FICO
Earnings
Guidance Update
Share Buyback
- Total revenue of $512 million, up 16% YoY; scores revenue $304.5 million (+29% YoY) and software revenue $207.4 million (+2% YoY).
- GAAP net income $158 million (+4% YoY) with GAAP EPS $6.61 (+8% YoY); non-GAAP net income $176 million (+22% YoY) and non-GAAP EPS $7.33 (+27% YoY).
- Trailing-twelve-month free cash flow $718 million (+7% YoY); returned $163 million to shareholders in Q1 via share repurchases.
- FY26 guidance: revenues $2.35 billion (+18% YoY), GAAP EPS $33.47 (+26% YoY), non-GAAP EPS $38.17 (+28% YoY).
Jan 28, 2026, 10:00 PM
FICO reports Q1 2026 results
FICO
Earnings
Share Buyback
Revenue Acceleration/Inflection
- FICO reported Q1 revenue of $512 M (+16% YoY), GAAP net income of $158 M (+4%), GAAP EPS of $6.61 (+8%), non-GAAP EPS of $7.33 (+27%), and free cash flow of $165 M.
- Scores segment revenue was $305 M (+29% YoY); Software segment revenue was $207 M (+2% YoY), including platform revenue growth of 37% and non-platform decline of 13%.
- Total software ARR reached $766 M (+5% YoY), with platform ARR of $303 M (+33% YoY); quarterly ACV bookings hit a record $38 M, and TTM ACV was $119 M (+36% YoY).
- Returned capital through repurchasing 95,000 shares at an average price of $1,707; reiterated fiscal 2026 guidance with continued margin expansion.
Jan 28, 2026, 10:00 PM
FICO announces Q1 FY2026 earnings
FICO
Earnings
Guidance Update
- FICO reported first-quarter fiscal 2026 revenue of $512.0 million, up 16% year-over-year, and GAAP EPS of $6.61, versus $6.14 in Q1 FY2025.
- Non-GAAP EPS was $7.33, with non-GAAP net income of $175.6 million and free cash flow of $165.4 million.
- Scores segment revenue rose 29% to $304.5 million, while Software revenue increased 2% to $207.5 million; Software ARR grew 5%, driving a 103% dollar-based net retention rate.
- The company reiterated FY2026 guidance for $2.35 billion in revenues, GAAP EPS of $33.47, and non-GAAP EPS of $38.17.
Jan 28, 2026, 9:15 PM
FICO reports Q1 FY26 earnings
FICO
Earnings
Guidance Update
- Revenue rose 16% year-over-year to $512.0 million in Q1 FY26 (vs. $440.0 million).
- GAAP net income was $158.4 million (EPS $6.61), up from $152.5 million (EPS $6.14) a year ago.
- Non-GAAP EPS reached $7.33 (vs. $5.79), with free cash flow of $165.4 million.
- Reiterated FY26 guidance: $2.35 billion revenue, GAAP EPS $33.47, non-GAAP EPS $38.17.
Jan 28, 2026, 9:15 PM
Quarterly earnings call transcripts for FAIR ISAAC.
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