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.
How this was made
The 30-second read
Why it matters
The earnings beat and record share repurchase reinforce FICO's financial strength, likely supporting a short‑term price rally.
Market read
FICO's strong earnings and cash return program provide a clear catalyst for traders, with potential spillover to fintech peers.
What to watch
Potential headwinds from rising interest rates affecting mortgage origination volumes.
Background
FICO is a leading provider of credit scoring and decision‑intelligence platforms, recently expanding its product suite with UltraFICO and enterprise fraud solutions.
Ticker impact
FICO reported Q4 2026 GAAP net income up 28% YoY and a record $3.028 B share repurchase, indicating strong earnings and cash generation.
likely upward pressure as the market prices in strong earnings and the sizable repurchase program
Revenue growth, higher EPS, and a $3 B buyback provide clear catalysts for a price rally.
Market effects
Strong results may lift the broader credit‑scoring and fintech software sector.
U.S. markets could see a modest gain in financial‑services stocks.
Limited; impact confined to U.S. listed fintech firms.
Counterpoint
The high buyback could signal limited organic growth opportunities.
Key entities
- CompanyFair Isaac Corp.
Provider of credit scoring and decision‑intelligence software.
