Why Is Fair Isaac (FICO) Up 1.5% Since Last Earnings Report?
Fair Isaac (FICO) reported Q3 2026 non-GAAP earnings of $12.18 per share, up 42.1% YoY, and revenues of $674.19M, up 25.7% YoY. Scores revenues grew 41% YoY, driven by mortgage pricing, while software revenues rose 2% YoY. FICO raised fiscal 2026 revenue guidance to $2.53B. Shares are up 1.5% since last earnings report.
How this was made

The 30-second read
Why it matters
The earnings beat and guidance lift are likely to attract buying interest, especially given the sizable share repurchase.
Market read
Earnings beat and guidance raise for a large-cap fintech firm provide a clear trading catalyst.
What to watch
Potential headwinds from elevated interest rates and mortgage affordability could curb future Scores growth.
Background
FICO reported Q3 2026 results with a 42% YoY earnings increase and raised FY2026 revenue guidance.
Ticker impact
Q3 2026 earnings beat estimates and guidance raised, with strong Scores revenue growth and a $1.96B share repurchase.
Potential short-term price rally as investors price in higher guidance and buyback.
Guidance lift, beat, and large buyback are material new information for a large-cap stock.
Market effects
Positive momentum for the credit‑scoring and fintech services sector.
U.S. market may see modest lift in financial services indices.
Limited to U.S. and global fintech investors.
Counterpoint
Higher guidance may already be priced in; rising costs and mortgage slowdown could pressure margins.
Key entities
- companyFair Isaac Corporation
Provider of credit scoring and analytics solutions.



