A fixed rule set over this filing's XBRL figures and the number of high-severity risks found in it — no model judgement.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
FICO delivered strong Q3 FY2026 results driven by a 41% revenue surge in its Scores segment due to higher B2B pricing, while expanding operating margin to 53.8% and initiating a $1.5 billion accelerated share repurchase.
Revenue
$674.19M
+25.68% YoY
EPS (Diluted)
$10.45
+41.22% YoY
Operating Income
$362.63M
+38.13% YoY
Fair Isaac (FICO) reported Q3 FY2026 revenue of $674.19M, up 25.7% year over year. The company posted net income of $237.17M, up 30.5% from a year earlier, with diluted EPS of $10.45. Operating income was $362.63M, up 38.1% year over year. FICO's fiscal Q3 FY2026 corresponds to calendar Q2 2026.
FICO posted strong Q3 FY2026 revenue of $674.2M (+25.7% YoY) and net income of $237.2M (+30.5% YoY), powered by Scores pricing power and Platform SaaS growth, despite higher debt levels.
Last 4 quarters: 4 beats
Scores segment revenue increased 41% year-over-year to $458.9M in Q3 FY2026, primarily due to higher unit pricing for mortgage origination scores within the business-to-business line.
Source: 10-Q Item 2 MD&A, p.19-23
Software segment revenue rose 2% year-over-year to $215.3M, as on-premises and SaaS software revenue grew 5% to $197.0M—driven by SaaS growth in Platform products—offsetting a 24% decline in professional services as FICO prioritizes higher-margin software. Platform ARR grew 62% YoY to $412.8M.
Source: 10-Q Item 2 MD&A, p.21-23
FICO executed $2.3B in share repurchases during Q3 FY2026, supported by a new $1.5B term loan and $1.5B accelerated share repurchase (ASR) agreement with Wells Fargo, pushing total debt to $5.6B.
Source: 10-Q Item 2 MD&A, p.20, 28-29
Total long-term debt increased significantly to $5.58B as of June 30, 2026, up 100.8% YoY, primarily used to fund aggressive share repurchases. Higher debt levels raise interest expense and could constrain financial flexibility if credit conditions deteriorate.
Source: 10-Q Item 2 MD&A, p.20, 26
Stockholders' equity stood at -$4.10B due to cumulative share repurchases exceeding retained earnings. While reflecting capital return to shareholders, a negative equity balance increases financial risk and leverage ratios.
Source: 10-Q Balance Sheet (XBRL)
Software segment operating income declined 19% YoY to $55.0M in Q3 FY2026 due to higher third-party data center hosting costs and lower upfront point-in-time license sales.
Source: 10-Q Item 2 MD&A, p.26-27
This analysis does not extract a guidance section. Companies issue revenue and EPS outlook in the 8-K press release and on the earnings call rather than in the 10-Q itself — though the filing's management discussion can contain forward-looking statements, which appear in the highlights above where they were material.
Fair Isaac (FICO) is next expected to report on , when the following quarter's results and any updated outlook will be available.
See the FICO earnings preview — expected date, analyst estimates and what to watch →
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue | $674.19M | $536.41M | +25.68% |
Cost of Revenue | $87.02M | $87.57M | -0.63% |
Operating Income | $362.63M | $262.52M | +38.13% |
Net Income | $237.17M | $181.79M | +30.47% |
EPS (Basic) | $10.46 | $7.49 | +39.65% |
EPS (Diluted) | $10.45 | $7.40 | +41.22% |
R&D Expense | $53.71M | $47.21M | +13.76% |
SG&A Expense | $170.84M | $139.11M | +22.80% |
Yes, FICO reported total revenues of $674.19 million for Q3 FY2026, representing a 25.7% increase compared to the prior-year quarter. Growth was anchored by a 41% revenue surge in the Scores segment, which reached $458.9 million.
While net income grew 30.5% YoY to $237.17 million, diluted EPS surged 41.2% YoY to $10.45. This faster growth was driven by FICO's aggressive share buybacks, including a $1.5 billion accelerated share repurchase in June 2026, which significantly reduced the diluted share count.
FICO ended Q3 FY2026 with total debt of $5.58 billion, up 100.8% YoY from $2.78 billion. The debt increase was primarily used to fund share repurchases, including $2.3 billion repurchased during the quarter.
Fair Isaac (FICO) is next expected to report earnings on Nov 3, 2026. The date comes from the analyst earnings calendar and can shift until the company confirms it.
Expected release date, analyst estimates & what to watch
FICO delivered exceptional Q2 FY2026 results with revenue surging 38.7% YoY to $691.7M and operating income jumping 63.8% to $402.5M, driven by strong pricing power and software segment momentum, though the balance sheet carries deeply negative stockholders' equity due to aggressive share buybacks and elevated long-term debt of $3.64B.
FICO delivered strong Q1 FY2026 results with revenue up 16.4% YoY to $512.0M and operating margin expanding nearly 5 percentage points to 45.7%, though aggressive share buybacks have deepened the stockholders' equity deficit to -$1.81B.
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