FICO
Fair IsaacPrevious close
966.30
Change
−25.05 / −2.53%
P/E (TTM) ?
26.1
Market Cap
$21.4B
1M
−10.37%
S&P 500 −0.63% over same period
Volume / Avg Volume
246K / 514K
0.48× average
Latest earnings analysisFY2026 Q3Reported 2026-07-29
FICO Q3 FY26: revenue up 25.7%, full-year guidance raised to $2.53 billion
FICO's quarter looks excellent on the surface: revenue up 25.7% to $674.19 million, gross margin of 87.1% and a raised full-year outlook. Read the details, though, and the growth comes almost entirely from one lever, the price of mortgage-origination scores, while $2.27 billion of stock was bought back with new borrowing. That mix keeps the overall read balanced rather than clean.
Read the full analysis →Revenue$0.67BYoY +25.70%
EPS (non-GAAP)$12.18Beatest. $11.97
Next-quarter revenue guidance$2.53BYoY +275.30%
Next-day move−17.01%
Recent Earnings
Click to read the FinDog analysis| Period | Reported | Revenue | Analysis |
|---|---|---|---|
| FY2026 Q3 Quarter ended 2026-06 | 2026-07-29 | $674M | Read analysis → |
| FY2026 Q2 Quarter ended 2026-03 | 2026-04-28 | $692M | Pending |
| FY2026 Q1 Quarter ended 2025-12 | 2026-01-28 | $512M | Pending |
| FY2025 Q4 Quarter ended 2025-09 | 2025-11-05 | $2.0B | Pending |
| FY2025 Q3 Quarter ended 2025-06 | 2025-07-30 | $536M | Pending |
| FY2025 Q2 Quarter ended 2025-03 | 2025-04-29 | $499M | Pending |
Decision Panel
Trends · Valuation · Earnings reaction · Guidance credibility — all from company filings and market dataValuation
P/E is at percentile 0 of its 5-year rangeCheap
5-year range 35.6 – 105.2 · Median 67.0
Last 4 quarters: $3.6B in buybacks + $0 in dividends, 16.79% of market cap combined
P/E (TTM)
26.1
P/B
—
P/S
8.9
PEG
0.81
Earnings Reaction
Over the last 6 reports, the stock moved ±5.3% on average on the first trading day after, rising 3 times
Most recent −17.01%
Volatility & Correlation
1-year beta 0.38 · Correlation with S&P 500 0.09Low beta
Annualized volatility 57% vs. 13% for the S&P 500
Insider Trading
View all →Last 90 days · Open-market buys and sells by officers and directors · Amounts in USD millions
Buy 0 · $0.00MSell 1 · $1.4MNet selling $1.4M
- 07-29Manolis EvaDirectorSell$1.4M967 shares · Avg price 1,400.00
Multi-Quarter Financial Trends
View all quarters →Last 12 quarters · As reported by the company
| Quarter | Revenue ($B) | YoY | Gross Margin | Net Income ($B) | EPS |
|---|---|---|---|---|---|
| FY2026 Q3 | 0.67 | +25.7% | 87.1% | 0.24 | 10.45 |
| FY2026 Q2 | 0.69 | +38.7% | 86.8% | 0.26 | 11.14 |
| FY2026 Q1 | 0.51 | +16.4% | 83.0% | 0.16 | 6.61 |
| FY2025 Q4 | 0.52 | +13.6% | 82.3% | 0.16 | 6.41 |
| FY2025 Q3 | 0.54 | +19.8% | 83.7% | 0.18 | 7.40 |
| FY2025 Q2 | 0.50 | +15.0% | 82.4% | 0.16 | 6.59 |
| FY2025 Q1 | 0.44 | +15.2% | 80.1% | 0.15 | 6.14 |
| FY2024 Q4 | 0.45 | +16.4% | 80.3% | 0.14 | 5.44 |
| FY2024 Q3 | 0.45 | +12.3% | 80.3% | 0.13 | 5.05 |
| FY2024 Q2 | 0.43 | +14.1% | 80.0% | 0.13 | 5.16 |
| FY2024 Q1 | 0.38 | +10.8% | 78.2% | 0.12 | 4.80 |
| FY2023 Q4 | 0.39 | +11.8% | 78.7% | 0.10 | 4.01 |
| Ticker | P/E | Revenue YoY | Gross Margin | 1M | View |
|---|---|---|---|---|---|
| FICO | 26.1 | +25.7% | 87.1% | −10.37% | Bullish |
| NVDA | 26.8 | +105.9% | 75.0% | −0.18% | Bullish |
| AAPL | 37.5 | +16.4% | 50.1% | +8.70% | Bullish |
| MSFT | 27.7 | +17.7% | 67.2% | +3.35% | Bullish |
| AVGO | 42.3 | +85.5% | 69.1% | −8.61% | Bullish |
| MU | 20.7 | +345.7% | 84.6% | +3.91% | Bullish |
| AMD | 131.0 | +50.1% | 53.8% | +12.53% | Bullish |
| INTC | — | +25.4% | 40.4% | +12.53% | Bullish |
| ORCL | 22.8 | +29.6% | — | +5.46% | Bullish |