Fair Isaac (FICO) official guidance
Fair Isaac (FICO) official earnings guidance and management outlook. Each figure management stated is shown with its revisions and the source quote.
See the full Filings Intelligence suiteFICOFAIR ISAAC CORPFY2026 · ends 2026-09-30
3 metrics3 maintainedearnings call · 2026-07-30 04:01:04 UTC
2026-07-30 04:01:04 UTC24%maintained523 bps vs FY2025
We expect a full year operating tax rate of 25% to 26% and an effective tax rate of around 24%.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
2026-04-29 04:01:14 UTC24%maintained523 bps vs FY2025
The effective tax rate for the quarter was 25.7%, and we expect a full year operating tax rate of 25%-26% and an effective tax rate of around 24%.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-01-29 05:00:59 UTC24%maintained523 bps vs FY2025
We continue to expect a full year net effective tax rate of 24% and an operating tax rate of 25%.
FICO · transcript · Q1 FY2026
2026-01-29 05:00:00 UTCOpen source
2025-11-06 05:00:57 UTC24%new
Our FY '26 guidance assumes a net effective tax rate of 24% with an operating tax rate of 25%.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source
2026-07-30 04:01:04 UTC$36.86maintained38.9% vs FY2025
GAAP net income guidance is now $850 million, with GAAP earnings per share of $36.86, an increase of 30% and 39% respectively.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
2026-07-29 20:16:54 UTC$36.86raised +3.5%38.9% vs FY2025
| GAAP EPS | $35.60 | $36.86 |
FICO · EX-99.1 · Q3 FY2026
2026-07-29 20:16:20 UTCOpen source
2026-04-29 04:01:14 UTC$35.6maintained34.1% vs FY2025
GAAP net income guidance is now $825 million, with GAAP earnings per share of $35.60, an increase of 27% and 34% respectively.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-04-28 20:15:58 UTC$35.6raised +6.4%34.1% vs FY2025
| GAAP EPS | $33.47 | $35.60 |
FICO · EX-99.1 · Q2 FY2026
2026-04-28 20:15:32 UTCOpen source
2026-01-28 21:16:00 UTC$33.47maintained26.1% vs FY2025
| GAAP EPS | $33.47 |
FICO · EX-99.1 · Q1 FY2026
2026-01-28 21:15:33 UTCOpen source
2025-11-06 05:00:57 UTC$33.47maintained
GAAP net income of $795 million, an increase of 22%, GAAP EPS of $33.47, an increase of 26%, non-GAAP net income of $907 million, an increase of 24% and non-GAAP earnings per share of $38.17, an increase of 28%.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source
2025-11-05 21:20:12 UTC$33.47new
| GAAP EPS | $33.47 |
FICO · EX-99.1 · Q4 FY2025
2025-11-05 21:19:45 UTCOpen source
2026-07-30 04:01:04 UTC$42.43maintained
Non-GAAP net income guidance is now $979 million, with non-GAAP earnings per share of $42.43.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
2026-07-29 20:16:54 UTC$42.43raised +4.9%
| Non-GAAP EPS | $40.45 | $42.43 |
FICO · EX-99.1 · Q3 FY2026
2026-07-29 20:16:20 UTCOpen source
2026-04-29 04:01:14 UTC$40.45maintained
Non-GAAP net income guidance is now $946 million, with non-GAAP earnings per share of $40.45, an increase of 29% and 35% respectively.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-04-28 20:15:58 UTC$40.45raised +6.0%
| Non-GAAP EPS | $38.17 | $40.45 |
FICO · EX-99.1 · Q2 FY2026
2026-04-28 20:15:32 UTCOpen source
2026-01-28 21:16:00 UTC$38.17maintained
| Non-GAAP EPS | $38.17 |
FICO · EX-99.1 · Q1 FY2026
2026-01-28 21:15:33 UTCOpen source
2025-11-06 05:00:57 UTC$38.17maintained
GAAP net income of $795 million, an increase of 22%, GAAP EPS of $33.47, an increase of 26%, non-GAAP net income of $907 million, an increase of 24% and non-GAAP earnings per share of $38.17, an increase of 28%.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source
2025-11-05 21:20:12 UTC$38.17new
| Non-GAAP EPS | $38.17 |
FICO · EX-99.1 · Q4 FY2025
2025-11-05 21:19:45 UTCOpen source
FICOFAIR ISAAC CORPQ4 FY2026 · ends 2026-09-30
1 metric1 newearnings call · 2026-07-30 04:01:04 UTC
2026-07-30 04:01:04 UTChigher than in the third quarternew
As a result, we expect fourth quarter interest expense to be higher than in the third quarter.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
FICOFAIR ISAAC CORPFY2026 · ends 2026-09-30
2 metrics2 maintainedearnings call · 2026-07-30 04:01:04 UTC
2026-07-30 04:01:04 UTC$850Mmaintained30.4% vs FY2025
GAAP net income guidance is now $850 million, with GAAP earnings per share of $36.86, an increase of 30% and 39% respectively.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
2026-07-29 20:16:54 UTC$850Mraised +3.0%30.4% vs FY2025
| GAAP Net Income | $825 million | $850 million |
FICO · EX-99.1 · Q3 FY2026
2026-07-29 20:16:20 UTCOpen source
2026-04-29 04:01:14 UTC$825Mmaintained26.5% vs FY2025
GAAP net income guidance is now $825 million, with GAAP earnings per share of $35.60, an increase of 27% and 34% respectively.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-04-28 20:15:58 UTC$825Mraised +3.8%26.5% vs FY2025
| GAAP Net Income | $795 million | $825 million |
FICO · EX-99.1 · Q2 FY2026
2026-04-28 20:15:32 UTCOpen source
2026-01-28 21:16:00 UTC$795Mmaintained21.9% vs FY2025
| GAAP Net Income | $795 million |
FICO · EX-99.1 · Q1 FY2026
2026-01-28 21:15:33 UTCOpen source
2025-11-06 05:00:57 UTC$795Mmaintained
GAAP net income of $795 million, an increase of 22%, GAAP EPS of $33.47, an increase of 26%, non-GAAP net income of $907 million, an increase of 24% and non-GAAP earnings per share of $38.17, an increase of 28%.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source
2025-11-05 21:20:12 UTC$795Mnew
| GAAP Net Income | $795 million |
FICO · EX-99.1 · Q4 FY2025
2025-11-05 21:19:45 UTCOpen source
2026-07-30 04:01:04 UTC$979Mmaintained
Non-GAAP net income guidance is now $979 million, with non-GAAP earnings per share of $42.43.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
2026-07-29 20:16:54 UTC$979Mraised +3.5%
| Non-GAAP Net Income | $946 million | $979 million |
FICO · EX-99.1 · Q3 FY2026
2026-07-29 20:16:20 UTCOpen source
2026-04-29 04:01:14 UTC$946Mmaintained
Non-GAAP net income guidance is now $946 million, with non-GAAP earnings per share of $40.45, an increase of 29% and 35% respectively.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-04-28 20:15:58 UTC$946Mraised +4.3%
| Non-GAAP Net Income | $907 million | $946 million |
FICO · EX-99.1 · Q2 FY2026
2026-04-28 20:15:32 UTCOpen source
2026-01-28 21:16:00 UTC$907Mmaintained
| Non-GAAP Net Income | $907 million |
FICO · EX-99.1 · Q1 FY2026
2026-01-28 21:15:33 UTCOpen source
2025-11-06 05:00:57 UTC$907Mmaintained
GAAP net income of $795 million, an increase of 22%, GAAP EPS of $33.47, an increase of 26%, non-GAAP net income of $907 million, an increase of 24% and non-GAAP earnings per share of $38.17, an increase of 28%.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source
2025-11-05 21:20:12 UTC$907Mnew
| Non-GAAP Net Income | $907 million |
FICO · EX-99.1 · Q4 FY2025
2025-11-05 21:19:45 UTCOpen source
FICOFAIR ISAAC CORPQ4 FY2026 · ends 2026-09-30
1 metric1 newearnings call · 2026-07-30 04:01:04 UTC
2026-07-30 04:01:04 UTCmodestly higher than in our third quarternew
Our updated guidance includes fourth quarter operating expenses that are modestly higher than in our third quarter due to incremental front-end loaded marketing expenses to support the launch of our new partnership with Accenture As well as some anticipated one-time restructuring charges.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
FICOFAIR ISAAC CORPFY2026 · ends 2026-09-30
2 metrics2 maintainedearnings call · 2026-07-30 04:01:04 UTC
2026-07-30 04:01:04 UTC25% – 26%maintained
We expect a full year operating tax rate of 25% to 26% and an effective tax rate of around 24%.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
2026-04-29 04:01:14 UTC25% – 26%raised +2.0%
The effective tax rate for the quarter was 25.7%, and we expect a full year operating tax rate of 25%-26% and an effective tax rate of around 24%.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-01-29 05:00:59 UTC25%maintained
We continue to expect a full year net effective tax rate of 24% and an operating tax rate of 25%.
FICO · transcript · Q1 FY2026
2026-01-29 05:00:00 UTCOpen source
2025-11-06 05:00:57 UTC25%new
Our FY '26 guidance assumes a net effective tax rate of 24% with an operating tax rate of 25%.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source
2026-07-30 04:01:04 UTC$2.5Bmaintained27.1% vs FY2025
As shown on page 26 of our presentation, revenue guidance is now $2.53 billion, an increase of 20% versus prior year.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
2026-07-29 20:16:54 UTC$2.5Braised +3.3%27.1% vs FY2025
| Revenues | $2.45 billion | $2.53 billion |
FICO · EX-99.1 · Q3 FY2026
2026-07-29 20:16:20 UTCOpen source
2026-04-29 04:01:14 UTC$2.5Bmaintained23.1% vs FY2025
As shown on page 24 of our presentation, revenue guidance is now $2.45 billion, an increase of 23% versus prior year.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-04-28 20:15:58 UTC$2.5Braised +4.3%23.1% vs FY2025
| Revenues | $2.35 billion | $2.45 billion |
FICO · EX-99.1 · Q2 FY2026
2026-04-28 20:15:32 UTCOpen source
2026-01-28 21:16:00 UTC$2.4Bmaintained18% vs FY2025
| Revenues | $2.35 billion |
FICO · EX-99.1 · Q1 FY2026
2026-01-28 21:15:33 UTCOpen source
2025-11-06 05:00:57 UTC$2.4Bmaintained
As you can see on Page 13, we are guiding the following: revenue of $2.35 billion, an increase of 18% over fiscal '25.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source
2025-11-05 21:20:12 UTC$2.4Bnew
| Revenues | $2.35 billion |
FICO · EX-99.1 · Q4 FY2025
2025-11-05 21:19:45 UTCOpen source
FICOFAIR ISAAC CORPQ4 FY2026 · ends 2026-09-30
1 metric1 newearnings call · 2026-07-30 04:01:04 UTC
2026-07-30 04:01:04 UTCprobably not likely we're going to buy any additional shares beyond what's already in the ASR this quarternew
It's probably not likely we're going to buy any additional shares beyond what's already in the ASR this quarter.
FICO · transcript · Q3 FY2026
2026-07-30 04:00:00 UTCOpen source
FICOFAIR ISAAC CORPH4 FY2026 · ends 2026-09-30
3 metrics3 newearnings call · 2026-04-29 04:01:14 UTC
2026-04-29 04:01:14 UTCexceed the first half of the yearnew
With our strong pipeline, we expect bookings in the second half of the year to exceed the first half of the year.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-04-29 04:01:14 UTCtrend modestly upwardnew
We anticipate interest rate expense dollars to trend modestly upward from the Q2 run rate into the back half of the fiscal year.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
2026-04-29 04:01:14 UTCtrend modestly upwardnew
We expect operating expense dollars to trend modestly upward from the Q2 run rate into the back half of the fiscal year, driven mainly by personnel expenses and marketing for both FICO World and our Scores business.
FICO · transcript · Q2 FY2026
2026-04-29 04:00:00 UTCOpen source
FICOFAIR ISAAC CORPFY2026 · ends 2026-09-30
4 metrics3 newearnings call · 2026-01-29 05:00:59 UTC
2026-01-29 05:00:59 UTCsignificantly highernew
Yeah, and I would just add to that. We think the FY 2026 ACV bookings are gonna be significantly higher than the FY 2025.
FICO · transcript · Q1 FY2026
2026-01-29 05:00:00 UTCOpen source
2026-01-29 05:00:59 UTCcontinue to acceleratenew
Our strong bookings in recent quarters gives us increased confidence that our ARR growth will continue to accelerate in FY 2026.
FICO · transcript · Q1 FY2026
2026-01-29 05:00:00 UTCOpen source
2026-01-29 05:00:59 UTCtrend upward modestly
We expect operating expense dollars to continue to trend upward modestly throughout the fiscal year.
FICO · transcript · Q1 FY2026
2026-01-29 05:00:00 UTCOpen source
2025-11-06 05:00:57 UTCsimilar year-over-year operating expense growthnew
Our FY '26 guidance assumes a similar year-over-year operating expense growth compared to the prior year.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source
2025-11-06 05:00:57 UTCincreasenew
We expect total software ARR to increase in fiscal 2026, reflecting the benefit of recent FICO platform bookings going live.
FICO · transcript · Q4 FY2025
2025-11-06 05:00:00 UTCOpen source