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FICO · Fair Isaac Corp

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$720.19 +2.81 (+0.39%) At close · Nov 13
S&P 500 member Russell 1000 member Rebalance outlook locked
Market Cap
$15.40B
Shares
21.38M
Volume · Nov 13 502.7K Avg daily vol (3M) 779.47K

Price & Indicators

Drag to pan · scroll to zoom
Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$720.19 Open$727.00 Day$703.80–729.99 52W close$592.47–1,844.98 Avg vol 30d921K Short int2.5M · 11.8% of shares · 3.1d Short vol38% Last earningsNov 4, 2026 DataJan 2020–Nov 2026 Filing10-K · Nov 6

Up next

Next earnings call
Jan 27, 2027 Est · unconfirmed · in 10 wks
Q4 2026 earnings call transcript
call held Nov 4, 2026
Play latest call

Latest documents

2026
Nov 6
Annual report 10-K FY2026, ended Sep 30
Revenue and operating income climb in fiscal 2026

FICO generated fiscal 2026 revenue of $2.5 billion, up 27%, and operating income of $1.3 billion, up 37%; Software ARR reached $850.9 million as of September 30, 2026.

Revenue $2.53B ▲ 27.3% Net income $834.97M ▲ 28.1% Diluted EPS $36.32 ▲ 36.9%
Read from the MD&A section
4 source passages
Total revenues were $2.5 billion during fiscal 2026, a 27% increase from fiscal 2025. Operating income was $1.3 billion during fiscal 2026, a 37% increase from fiscal 2025. Annual Recurring Revenue for our Software segment as of September 30, 2026 was $850.9 million, a 14% increase from September 30, 2025. In fiscal 2026, the FICO® Score continued to be the standard measure of consumer credit risk in the U.S. Open the document at this passage
Nov 4
Earnings call
Fiscal 2026 revenue rose 27%, but no fiscal 2027 guidance

FICO called fiscal 2026 its most successful year, with revenue of $2.535 billion, up 27%, but withheld fiscal 2027 guidance amid custom mortgage-pricing negotiations.

3 source passages
FICO closed fiscal 2026 as the most successful financial year in FICO's history. For the full fiscal year, we delivered revenues of $2.535 billion, up 27% versus the prior year. Because of these factors, we are not providing fiscal year 2027 guidance at this time. Open the document at this passage
Nov 4
Current report 8-K
Revenue rises 27%, no fiscal year 2027 guidance

Fair Isaac Corporation reported fourth-quarter fiscal 2026 revenue of $657.0 million, up 27%, and GAAP diluted EPS of $8.12. Non-GAAP EPS was $11.10 and free cash flow was $284.3 million; the company is not providing fiscal year 2027 guidance.

Financial results
7 source passages
On November 4, 2026, Fair Isaac Corporation (the “Company”) reported its financial results for the quarter ended September 30, 2026. FICO (NYSE:FICO), a global analytics software leader, today announced results for its fourth fiscal quarter ended September 30, 2026. The company reported revenues of $657.0 million for the quarter as compared to $515.8 million reported in the prior year period, an increase of 27%. Net income for the quarter totaled $175.0 million, or $8.12 per share, versus $155.0 million, or $6.42 per share, in the prior year period. Non-GAAP EPS for the quarter was $11.10 versus $7.74 in the prior year period. Free cash flow was $284.3 million for the current quarter versus $210.8 million in the prior year period. Because of these factors, we are not providing fiscal year 2027 guidance at this time. Open the document at this passage
Oct 6
Current report 8-K Events of Oct 1
Exit or restructuring costs

Fair Isaac Corporation committed to a workforce reduction eliminating approximately 15% of positions. It expects approximately $27.0 million in pre-tax charges in the fourth quarter of fiscal 2026 and the plan to be substantially completed by the end of the third quarter of fiscal 2027.

All documents

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$2.53B
Trailing 12 months
Net income (TTM)
$834.97M
Trailing 12 months
Revenue growth YoY
+27.4%
Year over year
Operating margin
49.9%
Trailing 12 months
P / E (TTM)
19.8
Trailing earnings · reciprocal yield 5.0%
FCF yield
6.9%
TTM · current market cap
Return on invested capital
82.2%
Trailing 12 months
Net cash
−$5.04B
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-7.6%
Year over year · fewer shares
Price change (1Y)
-58.5%
Trailing year
Short interest
11.8%
Latest settlement · 3.1 days to cover
View all 125 metrics

Quarterly results

Revenue Net income Net loss
▲15.2% $439.97M $152.53M '25 Q1 ▲15% $498.74M $162.62M '25 Q2 ▲19.8% $536.41M $181.79M '25 Q3 ▲13.6% $515.75M $155.01M '25 Q4* ▲16.4% $511.96M $158.37M '26 Q1 ▲38.7% $691.68M $264.46M '26 Q2 ▲25.7% $674.19M $237.17M '26 Q3 LATEST ▲27.4% $657.05M $174.96M '26 Q4*

* Q4 derived as the full year minus Q1 to Q3.

AI Brief

Q4 FY26 earnings call · Nov 4, 2026
Q4 FY26

TL;DR. FICO reported 27% fiscal 2026 revenue growth, 28% GAAP net-income growth, a 61% non-GAAP operating margin, $1.034 billion of free cash flow, 33% fourth-quarter Scores growth, and 72% platform ARR growth. Risks include the absence of fiscal 2027 guidance, mortgage-volume pressure, litigation and restructuring charges, non-platform software declines, total debt of $5.26 billion with $78 million of quarterly interest expense, and pending GSE approvals for FICO Score 10T and tri-merge reseller score computation.

Bullish
  • + Fiscal 2026 free cash flow increased 40% to $1.034 billion, while FICO repurchased a record $3.028 billion of stock.
  • + Scores revenue increased 33% in the fourth quarter and 41% for fiscal 2026.
  • + FICO expanded mortgage distribution and FICO Score 10T adoption, including FHA availability beginning Jan 1, 2027.
Bearish
  • − FICO is not providing fiscal 2027 guidance because its mortgage-pricing transition remains unresolved and market outcomes are uncertain.
  • − Fourth-quarter mortgage origination volumes declined by high single digits because of elevated interest rates.
  • − Fourth-quarter results included a $65 million proposed antitrust settlement accrual and a $27 million workforce-restructuring charge.

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Research

our published analysis of this company

Equibles Rating

blended score · not investment advice
Overall
Sell
SellHoldBuy
Technical Sell Momentum Very Weak Sentiment Bearish Fundamentals Excellent Quant / Vol Very High
Market backdrop VIX 19.3 · elevated Equity put/call 0.63
Technical
price trend
Sell
50 / 200-day cross No cross
Price vs 200-day avg −33%
below
Price vs 50-day avg −9%
below
RSI (14) 44
neutral
MACD trend Positive
52-week position 10%
near low
Momentum
relative strength
Very Weak
1-month return −7%
trailing
6-month return −43%
trailing
YTD return −57%
this year
Relative strength −43%
vs S&P · 6-mo
Sentiment
smart money
Bearish
Trend (MA cross) No cross
50d $788 › 200d $1082 — 200d above 50d
Institutional flow Distributing
762 of 862 funds reported for Sep 30 · net -1.2M sh shares · +69 new
Insider flow Distributing
Net -$176.4K over 90 days · 50% sells
Short interest Rising
11.84% of shares out · ▲ +4.3% MoM · 3.1 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
862 holders — mid 3-yr range
Squeeze score 62
elevated · 0–100
Fundamentals
Excellent
Revenue growth +11%
Y/Y
EPS growth +37%
Y/Y
Free cash flow $1.1B
Valuation P/E 19.8
below peers
Buyback $800.0M
remaining
Balance sheet $5.0B
net debt
Quant / Vol
risk profile
Very High
Volatility 63%
annualized · 1-yr
Max drawdown −68%
past year
ATR 5.5%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Beat or met 7 of last 8
Latest guidance · from the Earnings Call filed Jul 29, 2026
full year
Revenue guidance $2.53B
Gap earnings per share $36.86
Non-GAAP earnings per share $42.43
full-year
Operating tax rate 25% – 26%
Effective tax rate 24%
Prior guidance period ended · from the 8-K filed Jul 29, 2026
Revenues · Updated Fiscal 2026 Guidance $2.53B
GAAP Net Income · Updated Fiscal 2026 Guidance $850M
Non-GAAP Net Income · Updated Fiscal 2026 Guidance $979M
GAAP EPS · Updated Fiscal 2026 Guidance $36.86
Non-GAAP EPS · Updated Fiscal 2026 Guidance $42.43
Guided vs delivered · last 8 settled
Revenues Updated Fiscal 2026 Guidance
guided $2.53B
$2.53B Beat +0.2%
GAAP EPS Updated Fiscal 2026 Guidance
guided $36.86
$36.32 Miss −1.5%
Revenues fiscal 2024
guided $1.7B
$1.72B Beat +1.0%
GAAP EPS fiscal 2024
guided $19.90
$20.45 Beat +2.8%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell
3 · 2 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−33% Bearish
Price vs 50-day avg
−9% Bearish
RSI (14)
44 Neutral
MACD trend
Positive Bullish
52-week position
10% Bearish
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross) No cross
50d $788 › 200d $1082 — 200d above 50d
Institutional flow Distributing
762 of 862 funds reported for Sep 30 · net -1.2M sh shares · +69 new
Insider flow Distributing
Net -$176.4K over 90 days · 50% sells
Short interest Rising
11.84% of shares out · ▲ +4.3% MoM · 3.1 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
862 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $592 Now $720 · 10% Range high $1,845
vs 200-day avg -33% vs 50-day avg -9%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
initial delivery of shares of common stock 1,055,103 the quarter ended June 30, 2026 filing —
Number of employees at quarter end 3,876 Quarter Ended June 30, 2026 filing —
Total on-premises and SaaS software non-GAAP 29.1M Quarter Ended June 30, 2026 filing —
Total share repurchases 2.3B quarter ended June 30, 2026 filing —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Software - Application — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
FICO
Fair Isaac Corp
this stock
$15.40B -57.4% +10.8% 19.8 11.8%
SAP
Sap SE
 $271.12B -3.3% — — 0.2%
QH
QUHUO Ltd
 $268.05B +181.9% +59.7% — 0.0%
SHOP
Shopify Inc.
 $189.23B -8.6% +30.1% 89.2 1.5%
CRM
Salesforce, Inc.
 $179.28B -17.8% +25.9% 19.9 3.2%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
781
% held
99.6%
Reported
762 of 862
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
770
View
Short & Settlement
Short Interest Rising
Shares short
2.5M
Days to cover
3.1d
Change
+104.7K sh
View
Short Volume
Short vol %
38%
As of
Nov 13, 2026
Short Total
View
Fails to Deliver
FTD shares
3.4K
Value
$2.5M
As of
Oct 13, 2026
View
Off-Exchange
Off-exchange %
63.7%
Week of
Oct 5, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$176.4K
Buyers / Sellers
1 / 1
Buyers Sellers
View
Congressional Trades Sell
Member
Gilbert Cisneros
Amount
$1.0K–$15.0K
Traded
Apr 14, 2026
View
Financials
Financials
Revenue (FY)
$2.5B
Net income (FY)
$835.0M
EPS diluted
$36.32
View
Buybacks
Authorized
$2.0B
Remaining
$800.0M
Spent Remaining
View
Filings
SEC Filings
Latest
10-K
Filed
Nov 6, 2026
This year
18

FICO generated fiscal 2026 revenue of $2.5 billion, up 27%, and operating income of $1.3 billion, up 37%; Software ARR reached $850.9 million as of September 30, 2026.

View
Proposed Sales
Value
$7.1M
Shares
9.8K
Filed
Nov 12, 2026
View
Earnings & Events
Webcasts
Last webcast
Nov 4, 2026
View
Investor Relations
Latest news
Fair Isaac Corporation Announces…
Published
Oct 21, 2026
View

Performance

5D 20D 120D MTD YTD
FICO +2.2% -6.6% -42.8% +1.3% -57.4%
SPY +2.6% -1.2% +0.5% -0.2% +10.6%
vs SPY -0.4% -5.5% -43.3% +1.4% -68.0%

Capital returns

Buyback program · as of Jun 30, 2026
Authorized
$2.00B
Spent (derived)
$1.20B
Remaining
$800.00M
Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 814547 CUSIP 303250104 13F (30d) 622 filings 557 filers Visit website Investor relations