FICO Q4 FY2026: Revenue Up 27% but No FY2027 Guidance
FICO closed fiscal 2026 with strong fourth-quarter growth, but management withheld fiscal 2027 guidance due to an ongoing mortgage pricing transition. The quarter's GAAP profit was weighed down by one-time items, while non-GAAP EPS beat consensus. The stock's near-term path hinges on how the new bespoke pricing model plays out.
1 · Expected vs. Actual
Free preview belowGAAP diluted EPS was $8.12, up from $6.42 a year earlier, but included a $65 million litigation accrual, a $48 million gain on an equity sale, and a $27 million restructuring charge. Non-GAAP EPS was $11.10, which beat the $10.98 consensus estimate.
Fourth-quarter revenue rose 27% to $657.0 million, driven by a 33% jump in Scores revenue to $413.8 million and a 19% increase in Software revenue to $243.2 million. The Scores gain came largely from a higher mortgage origination scores unit price, even as mortgage origination volume declined.
Log in to read 35 analyses a week for free
Create a free account to read 35 full earnings analyses each week — all five steps: expected vs. actual, guidance tracker, money flow, balance sheet and risks. Members get unlimited access.
Figures on this page come from the company's original SEC filings. The analysis is generated automatically and checked against validation rules, but may still contain errors or omissions. Not investment advice. · Generated 2026-11-06
Answers are based on the earnings release and the analysis above. Free accounts get 3 questions a week; members get 30 a day.