Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
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Informative Research and Alogram Join FICO Platform Programs
Informative Research has joined Fair Isaac's FICO Mortgage Direct License Program, and Alogram Inc. has made its fraud intelligence suite available through FICO Marketplace. The mortgage program now covers 73.1% of total mortgage reseller volume, strengthening FICO's position in the tri-merge reseller channel that touches most U.S. mortgage originations. Fair Isaac's narrative projects $3.5 billion revenue and $1.4 billion earnings by 2029, requiring 13.8% yearly revenue growth and about a $585 million earnings increase from $815.0 million today. Some higher estimate analysts were already assuming FICO could reach about US$4.2 billion in revenue and US$1.7 billion in earnings by 2029.
S&P 500 Futures Edge Higher Ahead of Key Inflation Data
US stock futures pointed higher Friday morning, with E-mini S&P 500 contracts up about 0.3% and Nasdaq-100 futures ahead roughly 0.5%, as investors awaited the June US PCE price index. The headline PCE is expected to dip 0.1% month on month, while the core reading is seen up 0.2%, suggesting inflation is easing slowly but remains above the Federal Reserve's 2% target. Second quarter US GDP is projected at 2.1% annualised, supported by consumer spending and AI-related investment. Among top movers, Nebius Group surged 27.13% ahead of its Q2 2026 earnings release, Bloom Energy jumped 26.49% after analyst updates and raised 2026 revenue guidance, and Sandisk gained 25.99%. On the losing side, Alnylam Pharmaceuticals fell 28.31% after narrowing quarterly guidance and reducing its full-year product revenue target, Fair Isaac declined 17.01% following Q3 results and a sharply lower price target from RBC, and Tradeweb Markets dropped 9.60% after its Q2 earnings update.
Meta and Microsoft lead midday stock swings on earnings surprises
Meta Platforms tumbled more than 9% after posting quarterly earnings per share of $6.18, missing analysts' estimates by $1.04 per share, while Microsoft jumped 15% on revenue of $90.01 billion that topped expectations. MarketAxess surged 30% after Intercontinental Exchange agreed to buy the bond trading platform for $167 per share in a deal valued at more than $5 billion. Crocs dropped more than 10% despite beating fiscal second-quarter expectations and raising its forecast, as margins came in weaker than expected. Other notable movers included Quanta Services up nearly 15% on strong results, Fair Isaac plunging more than 16% on mixed results and a delayed direct license program, and Teladoc Health sinking 29% after missing revenue estimates and lowering guidance.
Fair Isaac Corp Reports Record Q3 Revenue and Raises Full-Year Guidance
Fair Isaac Corp reported record third-quarter fiscal 2026 revenue of $674 million, a 26% year-over-year increase, and raised its full-year guidance. GAAP net income rose 30% to $237 million, with GAAP earnings per share up 41% to $10.45, while non-GAAP earnings per share climbed 42% to $12.18. The Scores segment drove growth with revenue surging 41% to $459 million, fueled by a 49% jump in B2B revenue from higher mortgage origination score unit prices, while the Software segment saw a modest 2% increase to $215 million as a 66% surge in platform revenue was partially offset by a 25% decline in non-platform revenue. The company also announced that platform annual recurring revenue exceeded non-platform ARR for the first time, reaching $413 million. FICO raised its fiscal 2026 outlook to revenue of $2.53 billion, GAAP net income of $850 million, GAAP EPS of $36.86, non-GAAP net income of $979 million, and non-GAAP EPS of $42.43, citing a better-than-expected mortgage market and the delayed launch of its Direct Licensing Program.
Fair Isaac beats Q3 earnings estimates with $12.18 per share
Fair Isaac reported quarterly earnings of $12.18 per share, surpassing the Zacks Consensus Estimate of $12.02 per share and marking a 1.33% earnings surprise. This compares to earnings of $8.57 per share a year ago. The company posted revenues of $674.19 million for the quarter ended June 2026, missing the consensus estimate by 0.75% but up from $536.41 million a year earlier. Fair Isaac has beaten EPS estimates in all of the last four quarters and topped revenue estimates three times over that period. Shares have lost about 21% year-to-date, underperforming the S&P 500's 8.5% gain.
Fair Isaac Reports Q3 Revenue of $674.19 Million, Up 25.7% Year-Over-Year
Fair Isaac reported third-quarter revenue of $674.19 million, a 25.7% increase from a year ago, while earnings per share rose to $12.18 from $8.57. Revenue fell just short of the Zacks Consensus Estimate of $679.31 million, a negative surprise of 0.75%, but EPS beat the consensus of $12.02 by 1.33%. Among key metrics, total annual recurring revenue reached $815.8 million, slightly above the $812.78 million analyst estimate, while platform ARR came in at $412.8 million versus the $370.22 million estimate. Scores revenue surged 41.5% to $458.9 million, driven by a 49% jump in business-to-business scores to $400.04 million, though software revenue of $215.29 million missed the $228.35 million estimate.
Fair Isaac Corporation reported second-quarter fiscal 2026 revenue of $674.2 million, missing analyst estimates of $684.7 million despite 25.7% year-on-year growth. Adjusted earnings per share came in at $12.18, beating the consensus of $11.78 by 3.4%. The company raised its full-year revenue guidance to $2.53 billion at the midpoint, up from $2.45 billion, but that figure fell 0.9% short of Wall Street expectations. Operating margin improved to 53.8% from 48.9% in the same quarter last year, and free cash flow margin rose to 54.9% from 51.5%. Shares fell 9.4% to $1,245 in after-hours trading following the release.
FICO to Report Earnings After Market Close Wednesday
Fair Isaac Corporation is set to report earnings after the bell on Wednesday. The credit scoring and analytics company posted revenue of $691.7 million last quarter, a 38.7% year-on-year increase that beat analyst expectations. For the upcoming report, analysts forecast revenue growth of 27.6% year on year, an acceleration from the 19.8% growth recorded in the same quarter a year ago. Consensus estimates have remained largely unchanged over the past 30 days, and the company rarely misses Wall Street revenue projections. FICO shares have risen 8.3% over the last month, outperforming the professional services segment's average gain of 3.2%, and the stock enters earnings with an average analyst price target of $1,535 compared to its current price of $1,275.
Broadridge and Data Services Peers Post Strong Q1 Revenue Beats
Broadridge Financial Solutions and other data and business process services stocks reported strong first-quarter results, with the group's revenues beating analysts' consensus estimates by 2.7% and next-quarter revenue guidance coming in 0.8% above expectations. Broadridge posted revenues of $1.95 billion, up 7.8% year on year and exceeding estimates by 2.7%, while Planet Labs led the group with a 42.1% revenue surge to $94.15 million and the highest guidance raise. TransUnion, the weakest performer, saw revenues rise 13.7% to $1.25 billion but missed EPS guidance for the next quarter. Equifax grew revenues 14.3% to $1.65 billion, and Fair Isaac Corporation jumped 38.7% to $691.7 million, delivering the biggest analyst estimate beat but the weakest full-year guidance update. Despite the beats, share prices were relatively unchanged on average, with Broadridge down 4.9%, Planet Labs plunging 49.6%, TransUnion up 13.7%, Equifax down 9.5%, and Fair Isaac up 21%.
FICO Score 10T Integrated Into Optimal Blue Platform, Deepening Mortgage Moat
Fair Isaac Corporation announced that Optimal Blue has integrated FICO Score 10T into its capital-markets platform. The integration enables lenders to use the score for pricing, eligibility decisions, hedging, trading, and loan-portfolio valuation across the mortgage lifecycle. Optimal Blue supports about 60% of the top 50 U.S. mortgage lenders. The move embeds FICO Score 10T more deeply in lending infrastructure, making it harder to replace than a score used only at origination. FICO also offers Score 10T alongside its classic score through a free-access program, allowing lenders to test it before wider implementation.
Data & Business Process Services Stocks Q1 Teardown: TransUnion Vs The Rest
Data and business process services stocks reported a strong first quarter, with revenues beating analysts' consensus estimates by 2.7% and next quarter's revenue guidance coming in 0.8% above expectations. TransUnion posted revenues of $1.25 billion, up 13.7% year on year and exceeding estimates by 2.7%, though it missed EPS guidance for the next quarter. Planet Labs delivered the highest guidance raise and fastest revenue growth among its peers, with revenues of $94.15 million, up 42.1% year on year and beating estimates by 4.3%, yet its stock fell 29.8% since reporting. Verisk reported revenues of $782.6 million, up 3.9% year on year and beating estimates by 1.3%, while EXL posted revenues of $570.4 million, up 13.8% year on year and surpassing estimates by 2%. Fair Isaac Corporation achieved the biggest analyst estimate beat with revenues of $691.7 million, up 38.7% year on year and topping estimates by 9.1%, but had the weakest full-year guidance update among its peers.
FICO survey finds 59% of Americans don't fully understand the homebuying process
A FICO survey shared with USA TODAY reveals that 59% of Americans do not completely understand the steps involved in buying a home, rising to 64% among first-time homebuyers. Half of prospective buyers actively planning a purchase also lack full understanding, and about one in five underestimate how significantly credit scores affect mortgage rates. FICO vice president Jenelle Dito noted that while interest rates and home prices are headwinds, knowledge gaps are a surprising additional challenge. The survey also found that 85% of Americans view credit score management as a wealth-building strategy, yet a quarter do not know their FICO score, and half of renters are unaware that on-time rent payments can help build credit. Experts recommend monitoring credit scores at least six months before applying and shopping around for mortgages, as multiple inquiries within a 45-day window count as a single inquiry.
Fair Isaac and Verdata have formed a partnership to bring Verdata's small- and medium-sized business data products to the FICO Marketplace. The agreement will allow financial institutions to evaluate SMBs, monitor portfolio changes, and identify risk signals without relying on disconnected checks or new point-to-point integrations. FICO Chief Revenue Officer Jason Andrew said the marketplace was built to eliminate friction between insight and action, and Verdata's solutions deliver critical business context directly within decision workflows. Fair Isaac stock rose 1.6% in Monday afternoon trading.
Brown Advisory Exits Fair Isaac Corporation on Mortgage Headwinds
Brown Advisory’s Large-Cap Growth Strategy sold its entire stake in Fair Isaac Corporation during the first quarter of 2026, citing rising mortgage rates, new lower-priced alternatives from credit bureaus, and regulatory uncertainty that clouded the outlook for FICO’s mortgage-related business. The strategy noted that mortgage rates moving back above 6% and competitive pricing pressure reduced near-term visibility, even though FICO remains a high-quality franchise. The exit came amid a 31.51% decline in FICO shares over the prior 52 weeks, with the stock closing at $1,270.83 on July 2, 2026, for a market capitalization of $29.47 billion. The strategy’s overall portfolio modestly trailed the Russell 1000 Growth Index in the quarter, with Information Technology and Health Care the largest detractors, while Industrials and Consumer Discretionary contributed positively.
Fair Isaac Corporation Stock Rises After Analyst Price Target Hikes
Shares of Fair Isaac Corporation rose 3.1% in morning trading after Raymond James raised its price target on the stock to $1,940 from $1,800 while maintaining an Outperform rating. UBS also increased its price target to $1,270 from $1,250. The positive analyst actions followed news that Fannie Mae and Freddie Mac released historical data for the FICO Score 10T mortgage datasets, a step seen as modernizing credit scoring and reinforcing the company's position in financial technology. The stock was trading at $1,247, up 3.3% from the previous close.
Fannie Mae and Freddie Mac Release Expanded Historical Loan Datasets for FICO Score 10T
Fannie Mae and Freddie Mac have released expanded historical loan performance datasets for FICO Score 10T, a next-generation credit scoring model developed by Fair Isaac. The data covers real-world mortgage performance and is expected to help lenders test, validate, and potentially adopt the new scoring model over time. This development puts FICO Score 10T more squarely in focus for mortgage underwriting and securitization, with implications for risk models and consumer credit access.
Fair Isaac Stock May Be 24% Undervalued After Mortgage Rule Change
Fair Isaac stock may be 24.2% undervalued according to a Discounted Cash Flow analysis, even as traditional valuation multiples suggest the shares are expensive. The DCF model estimates an intrinsic value of about $1,592.76 per share, based on free cash flow of roughly $873.9 million over the latest twelve months and assuming continued growth. However, the stock trades at a price-to-earnings ratio of about 36.8 times, above the software industry average of roughly 28.0 times and a peer average of 25.1 times, and also above a tailored fair P/E estimate of about 33.5 times. The recent Federal Housing Finance Agency ruling that opened mortgage scoring to a lower-cost rival helps explain the market discount, while a new $2.0 billion buyback program may support per-share value. Broader valuation checks remain weak, with the stock scoring only 2 out of 6, leaving the key question of whether regulatory pressures justify a discount or will erode the cash flow base underpinning the intrinsic value case.
Clear Street and Needham Raise Price Targets on Fair Isaac Corporation
Clear Street and Needham raised their price targets on Fair Isaac Corporation and reiterated Buy ratings. Clear Street lifted its target to $1,625 from $1,617, citing the company's $2 billion stock repurchase program, which represents 7% of total diluted shares outstanding, and its capital-light business model. Needham maintained a $1,650 target, viewing the $1.5 billion term loan as manageable given strong margins and cash flow conversion, and seeing the buyback as a sign of management confidence. Fair Isaac Corporation has an operating margin of 58.19% and quarterly earnings growth of 62.60%.
StockStory highlights Sea, Fair Isaac Corporation, and ATI as quality compounders that consistently reinvest profits for growth. Sea has grown paying users by an average of 22.7% annually and expanded its free cash flow margin by 18.4 percentage points, trading at 3.9 times forward price-to-gross profit. Fair Isaac Corporation, known for the FICO Score, achieved 29.3% annual earnings per share growth and maintains a 34% free cash flow margin, trading at 23.4 times forward price-to-earnings. ATI, a producer of specialized materials for aerospace and defense, posted 11.1% annual revenue growth and expanded its free cash flow margin by 21.7 percentage points, trading at 43.4 times forward price-to-earnings.
FICO and Chelsea Foundation Partner to Champion Financial Literacy in the UK
FICO and Chelsea Foundation have launched a joint initiative to bring financial literacy education to UK teens for the first time. The partnership hosted its inaugural event at Stamford Bridge on June 12th, the first of three planned events, with 175 students participating. Students worked in teams to manage a simulated professional soccer club's budget and balance sheet, learning about operational costs, player salaries, and expenses. The day concluded with financial strategy presentations judged on financial decisions, teamwork, and communication, followed by a stadium tour and a meeting with Chelsea FC Legend Jimmy Floyd Hasselbaink.
Fair Isaac Shares Halve as Mortgage Score Monopoly Faces VantageScore Threat
Fair Isaac Corporation shares have dropped roughly 50% from a 52-week high of $2,206 in May 2025 to around $1,076 by late June 2026, leaving a market capitalization of about $26 billion. The decline followed a Federal Housing Finance Agency decision clearing lenders to use VantageScore 4.0 on mortgages sold to Fannie Mae and Freddie Mac, ending FICO's exclusive role in that channel, with implementation confirmed in April 2026. Even after the drop, the stock trades at about 33 times trailing earnings of $32.76 per share and roughly 27 times guided non-GAAP earnings of $40.45 per share, while the Scores segment grew 60% to $475.0 million at a 91% operating margin in the second quarter of fiscal 2026. Management raised full-year revenue guidance to about $2.45 billion and authorized a new $2 billion share repurchase program, though the company carries negative shareholders' equity from years of aggressive buybacks. Institutional investors are split, with 411 funds adding to positions and 576 trimming in the most recent quarter, while Akre Capital Management built its stake aggressively and Baron Asset Fund named Fair Isaac a contributor.
StockStory Picks Fair Isaac as Mid-Cap to Own, Flags J.M. Smucker and Advanced Energy as Sells
StockStory identifies Fair Isaac Corporation as a mid-cap stock with massive growth potential while recommending investors sell J.M. Smucker and Advanced Energy. Fair Isaac, with a market cap of $27.49 billion, is highlighted for its 29.3% annual earnings per share growth over the last two years, robust 34% free cash flow margin, and rising returns on capital. J.M. Smucker, valued at $12.46 billion, faces shrinking unit sales and an estimated 3.1% sales decline, while Advanced Energy, at $12.95 billion, shows below-standard revenue growth of 5.6% annually over five years and waning returns on capital. Fair Isaac trades at 22.4 times forward earnings, compared to 11 times for J.M. Smucker and 37.3 times for Advanced Energy.
Jim Cramer Says He Likes Fair Isaac But Won't Touch It Over AI Disruption Fears
Jim Cramer told a Mad Money caller that he likes Fair Isaac Corporation but will not invest in the stock because of persistent fears that artificial intelligence could disrupt the company. Cramer said he is not going to get in the crosshairs of companies that might get hurt by AI, calling it too painful. He acknowledged that FICO is not as easily disrupted as the market thinks, but noted that every time the stock lifts, people sell it, comparing the dynamic to Intuit, Workday, and ServiceNow. Cramer said he cannot stop the flood of thoughts that Anthropic is going to destroy the company, so he is not going to get into that hornet's nest even though he likes the company.
StockStory Highlights Quanta and Fair Isaac as Buys, Flags Whirlpool as a Sell
StockStory recommends buying Quanta and Fair Isaac Corporation while questioning Whirlpool. Whirlpool is flagged for annual sales declines of 5.8% over five years, a shrinking free cash flow margin, and a 7× net-debt-to-EBITDA ratio. Quanta is favored for its 21.2% average backlog growth, expected 19.6% revenue growth, and 26% annual earnings per share growth. Fair Isaac Corporation is praised for 29.3% annual earnings per share growth, strong free cash flow, and rising returns on capital.