FICO posts strong Q4 earnings but withholds FY2027 guidance amid mortgage pricing shift
Fair Isaac reported fourth‑quarter fiscal 2026 results on November 4, 2026. GAAP revenue rose 27% to $657.0 million and GAAP earnings per share were $8.12. Non‑GAAP earnings per share reached $11.10, while Scores revenue grew 33% to $413.8 million and Software revenue increased 19% to $243.2 million. The company said it will not provide FY2027 guidance because of uncertainty around its mortgage‑scoring pricing strategy.
Why it matters
RBC Capital downgraded the stock to Sector Perform and cut its price target to $770, citing the pricing uncertainty (source 6). Several other analysts also lowered their targets, which may pressure the share price until guidance resumes.
Key facts
- 1Q4 FY2026 GAAP revenue was $657.0 million, up 27% from $515.8 million in the prior year. sec.gov
- 2GAAP net income for the quarter was $175.0 million, or $8.12 per share, compared with $155.0 million and $6.42 per share a year earlier. sec.gov
- 3Non‑GAAP earnings per share for the quarter were $11.10, versus $7.74 in the comparable prior period. sec.gov
- 4Scores segment revenue reached $413.8 million, a 33% year‑over‑year increase. sec.gov
- 5Software segment revenue was $243.2 million, 19% higher than the prior period. sec.gov
- 6The company announced it will not issue FY2027 guidance because of uncertainty in mortgage‑originations pricing. sec.gov
Summary written by AlphAI AI Desk from 16 of 16 sources. Not investment advice. Figures are as stated by the linked sources.