FICO Non-GAAP EPS of $11.10 beats by $0.39, revenue of $657.05M beats by $5.74M (FICO:NYSE)

FICO reported Q4 Non-GAAP EPS of $11.10, exceeding estimates by $0.39, with revenue of $657.05M, up 27.4% year-over-year and $5.74M above expectations. The company has faced recent stock declines due to competition in mortgage scoring.

Original reporting
Published Nov 4, 2026, 9:39 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Nov 4, 2026, 9:43 PM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
AlphAI market briefEarnings
Primary signal
$FICO
Bearish
high confidence
Mentioned
$FICO
Relevance
8/10
AlphAI data visualization · based on seekingalpha.com
Decision brief

The 30-second read

$FICOBearishHigh
01

Why it matters

The earnings beat could trigger short-term buying interest and may influence analyst revisions.

02

Market read

FICO's earnings surprise is a primary catalyst for its stock movement today.

03

What to watch

Potential impact of emerging alternative credit scoring models and regulatory scrutiny.

Relevance 8/10Novelty 9/10Timing: after-hours release

Background

FICO reported its Q4 2026 earnings, showing beats on both EPS and revenue.

Company-level read

Ticker impact

$FICOBearishHigh confidence
Context

Q4 Non-GAAP EPS of $11.10 beats expectations by $0.39 and revenue of $657.05M beats by $5.74M.

Expected impact

likely pressure as the market prices in the earnings beat

Evidence & confidence

Both EPS and revenue exceeded estimates, indicating stronger performance than expected.

Market effects

Positive earnings may lift the broader credit scoring and analytics sector.

Limited to U.S. markets where FICO is listed.

Modest; FICO's results are primarily of interest to U.S. investors.

Counterpoint

Some investors may question the sustainability of growth given competitive pressures in mortgage scoring.

Key entities

  • Fair Isaac Corporation

    Provider of credit scoring and analytics services.

Related articles

$FICOMed

What Fair Isaac (FICO) Said on Its Q4 Earnings Call

Fair Isaac (FICO) reported Q4 mortgage origination scores revenue rose 72%, despite volume decline. Launched FICO Preferred Program, attracting lender interest. Software revenue increased 19% to $243M, with platform revenue up 84%. FICO Score 10T adopter program grew to 84 lenders. Company paused stock buybacks to repay debt, ending Q4 with $5.26B in debt.

$FICOHighAI 8/10

Fair Isaac (FICO) Q4 2026 Earnings Call Transcript

Fair Isaac (FICO) reported Q4 2026 adjusted net income of $208M (+27% YoY), EPS of $9.64 (+43%). Full-year non-GAAP net income was $988M (+35%), EPS $42.99 (+44%). Scores revenue grew 33% YoY to $414M, Software revenue up 19% to $243M. FICO repurchased $3.028B of stock and plans to continue share buybacks. The company launched new products like FICO Score 10T and the next-generation FICO platform.