FICO Raises Full-Year Guidance After 26% Revenue Jump in Q3
FICO sits 41% above its 52-week low of $870.01.
Summary
FICO reported Q3 FY2026 revenue of $674 million, up 26% year-over-year, and raised full-year guidance. Non-GAAP EPS of $12.18 exceeded consensus, fueled by a 41% jump in Scores revenue.
Updates
· Dow Jones Newswires — Shares fell 16.9% to $1,140.69 after guidance missed consensus: adjusted EPS $42.43 vs. $43.09 expected, revenue $2.53B vs. $2.56B.
· SEC 10-Q — The 10-Q shows $1.5B accelerated share repurchase agreement with Wells Fargo Securities on June 5, 2026, with initial delivery of 1,055,103 shares and $300M prepayment. Total debt was $5.58B at June 30, 2026, including a $1.5B term loan and $1B 2026 Senior Notes.
Key Events · Earnings and Guidance · FICO
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Q3 Revenue Surges 26%
Total revenue reached $674.2 million, up from $536.4 million a year ago, driven by a 41% increase in Scores revenue to $458.9 million.
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Earnings Beat and Guidance Raise
Non-GAAP EPS of $12.18 beat the $11.50 consensus. Full-year FY2026 guidance raised: revenue to $2.53 billion, GAAP EPS to $36.86, and Non-GAAP EPS to $42.43.
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Scores Segment Pricing Power
B2B Scores revenue jumped 49%, primarily due to higher mortgage origination scores unit prices, reflecting FICO's dominant market position.
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Software ARR Growth Accelerates
Software Annual Recurring Revenue rose 10% year-over-year, with platform ARR up 62%, offsetting a 17% decline in non-platform ARR.
Analysis · FICO · Trade & Services
FICO delivered a strong quarter with revenue up 26% to $674 million, driven by a 41% surge in Scores revenue. Non-GAAP EPS of $12.18 beat expectations, and management raised full-year guidance across the board — revenue now seen at $2.53 billion and Non-GAAP EPS at $42.43. The results underscore the pricing power in mortgage originations and the ongoing shift to platform software, even as the company continues aggressive share buybacks.
How filings like this one have moved
In the 30 days to Oct 1, 2026, 36.1% of the 1051 measured filings Wiseek scored 8 moved their stock by 5% or more by the next session's close. The median move was -0.56%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, FICO was trading at $1,230.00 on NYSE in the Trade & Services sector, with a market capitalization of approximately $31.8B. The 52-week trading range was $870.01 to $1,998.01. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.