Earnings Releases·Nov 4, 2026, 4:15 PM ET

FICO — Fourth Quarter Fiscal 2026 Earnings Summary

GAAP revenue rose 27% year-over-year to $657.0 million for the quarter and 27% to $2.53 billion for the full fiscal year, while GAAP net income increased to $175.0 million ($8.12 EPS) for the quarter and $835.0 million ($36.32 EPS) for the year.
Scores revenue surged 33% to $413.8 million and Software revenue grew 19% to $243.2 million, driven by higher unit prices and a 14% increase in Software ARR, though loan originations remain below historical norms due to macroeconomic headwinds.
The company announced a transition to bespoke mortgage originations pricing and reported $3.05 billion in stock repurchases for the full year, alongside a $65 million antitrust accrual, a $48 million non-operating gain, and a $27 million restructuring charge.
FICO is not providing fiscal year 2027 guidance citing elevated interest rates, affordability challenges, and pricing transition uncertainty, while total debt increased to $5.26 billion and stockholders' deficit widened to $(3.87) billion.