DailyIQ
|
FICOFair Isaac Corporation

Earnings Release

Fair Isaac Corporation's latest earnings press release, filed Jul 29, 2026, scored line by line for tone, guidance and what changed since the prior release.

Guidance raised28 lines scoredFiled Jul 29, 2026SEC 8-K · Exhibit 99
Release Tone
66
UPBEAT
GuidanceGuidance raisedWhat this release does to the company's outlook
Tone change▼ 0.2pointsvs the prior release (Apr 28, 2026)
Hedging language0.00per 100 words▼ 0.00 vs prior
New this quarter6of 28 linesWording that was not in the prior release

The lines that matter most

Ranked by how material, how strongly worded and how new each sentence is.

  1. 1

    B2C revenue increased 5% from the prior year period, primarily due to increased royalties derived from scores sold indirectly to consumers through credit reporting agencies.

    New this quarter
  2. 2

    On June 30, 2026, Software Annual Recurring Revenue (ARR) was up 10% year-over-year, consisting of a 62% increase in platform ARR and a 17% decline in non-platform ARR.

  3. 3

    Scores revenues, which include the company’s business-to-business (B2B) scoring solutions, and business-to-consumer (B2C) solutions, were $458.9 million in the third quarter, compared to $324.3 million in the prior year period, an increase of 41%.

  4. 4

    The company reported revenues of $674.2 million for the quarter as compared to $536.4 million reported in the prior year period, an increase of 26%.

  5. 5

    Non-GAAP EPS for the quarter was $12.18 versus $8.57 in the prior year period.

    Negative tone
  6. 6

    “We are pleased to announce that we are raising our full year guidance.”

    Guidance raised
  7. 7

    Net income for the quarter totaled $237.2 million, or $10.45 per share, versus $181.8 million, or $7.40 per share, in the prior year period.

  8. 8

    Software revenues, which include the company’s analytics and digital decisioning technology, were up 2% year-over-year with $215.3 million in the third quarter, compared to $212.1 million in the prior year period.

Release by release

Tone and guidance for the last 2 earnings releases.

  1. Jul 29, 2026Guidance raised66.3-0.2
  2. Apr 28, 2026Guidance raised66.5

Bar length: tone on a 50–72 scale.

The release, annotated

1Highlight rankPositive toneNeutralNegative toneDimmed text: low materiality
Results
FICO Announces Earnings of $10.45 per Share
Revenue of $674 million vs. $536 million in prior year
Third Quarter Fiscal 2026 GAAP Results
7Net income for the quarter totaled $237.2 million, or $10.45 per share, versus $181.8 million, or $7.40 per share, in the prior year period.
Net cash provided by operating activities for the quarter was $380.4 million versus $286.2 million in the prior year period.
Third Quarter Fiscal 2026 Non-GAAP Results
Non-GAAP Net Income for the quarter was $276.6 million versus $210.6 million in the prior year period.
5Non-GAAP EPS for the quarter was $12.18 versus $8.57 in the prior year period.
Free cash flow was $370.3 million for the current quarter versus $276.2 million in the prior year period.
Third Quarter Fiscal 2026 GAAP Revenue
4The company reported revenues of $674.2 million for the quarter as compared to $536.4 million reported in the prior year period, an increase of 26%.
Management commentary
“We delivered another quarter of strong performance, driven by the successful execution of our strategic priorities,” said Will Lansing, chief executive officer.
6“We are pleased to announce that we are raising our full year guidance.”Guidance raised
Results
Revenues for the third quarter of fiscal 2026 for the company’s two operating segments were as follows:
3Scores revenues, which include the company’s business-to-business (B2B) scoring solutions, and business-to-consumer (B2C) solutions, were $458.9 million in the third quarter, compared to $324.3 million in the prior year period, an increase of 41%.
B2B revenue increased 49%, primarily attributable to a higher mortgage origination scores unit price.
1B2C revenue increased 5% from the prior year period, primarily due to increased royalties derived from scores sold indirectly to consumers through credit reporting agencies.
8Software revenues, which include the company’s analytics and digital decisioning technology, were up 2% year-over-year with $215.3 million in the third quarter, compared to $212.1 million in the prior year period.
2On June 30, 2026, Software Annual Recurring Revenue (ARR) was up 10% year-over-year, consisting of a 62% increase in platform ARR and a 17% decline in non-platform ARR.
The total Software Dollar-Based Net Retention Rate was 109% on June 30, 2026, with platform software at 148% and non-platform software at 82%.
Outlook
Outlook
The company is updating its previously provided guidance for fiscal 2026:
Previous Fiscal 2026 GuidanceUpdated Fiscal 2026 Guidance
Revenues$2.45 billion$2.53 billion
GAAP Net Income$825 million$850 million
GAAP EPS$35.60$36.86
Non-GAAP Net Income$946 million$979 million
Non-GAAP EPS$40.45$42.43
27 boilerplate lines (safe-harbor disclaimer, contacts, call details) are set aside.

How this is scored

  • Source: the press release Fair Isaac Corporation filed with the SEC as Exhibit 99 to Form 8-K (Item 2.02). Financial statements and boilerplate are set aside.
  • Tone: a financial sentiment model scores each sentence 0 to 100; the release score weights sentences by how material they are.
  • Materiality and guidance: a classifier judges whether each sentence is specific information, and what the release does to the outlook.
  • New this quarter: wording that does not appear in the prior release.
  • Hedging: uncertainty words (may, could, approximately, headwinds and similar) per 100 words of narrative.

These scores describe the release's language. They are not a forecast or a recommendation. Read the original filing

Back to FICO overview