Fair Isaac (FICO) Q3 FY2026 earnings: revenue $674 million, up 25.7% on the year

Fair Isaac Corp. (FICO) reported revenue of $674 million for Q3 FY2026, the quarter ended 30 June 2026, up 25.7% on the same quarter a year earlier. Net income was $237 million, up 30.5% on the year, and diluted earnings per share $10.45. The figures are the company's own, from the 10-Q it filed with the SEC on 29 July 2026.

Revenue

$674 million

+25.7% on the year · -2.5% on the quarter

Q4 FY2024Q3 FY2026

Operating margin

53.8%

48.9% a year earlier

Q4 FY2024Q3 FY2026

Net income

$237 million

+30.5% on the year · -10.3% on the quarter

Q4 FY2024Q3 FY2026

Diluted EPS

$10.45

+41.2% on the year · -6.2% on the quarter

Q4 FY2024Q3 FY2026

this quarterthe same quarter a year earlierHover a bar for its figure.

What management said

Guidance figures: 5 raised.

Revenue rose 26% year over year: Revenue was $674.2 million against $536.4 million a year earlier, with Scores accounting for most of the increase.
GAAP net income and EPS increased: GAAP net income was $237.2 million, or $10.45 per diluted share, against $181.8 million, or $7.40, a year earlier.
Scores revenue grew 41%: Scores revenue was $458.9 million against $324.3 million in the prior-year quarter, the largest share of total revenue.

Read the earnings call summary

Income statement (profit and loss)

$ million	Q3 FY2026	Q2 FY2026	Q3 FY2025	On the quarter	On the year
Revenue	674	692	536	-2.5%	+25.7%
Cost of revenue	87.0	91.2	87.6	-4.6%	-0.6%
Gross profit	587	600	449	-2.2%	+30.8%
Gross margin	87.1%	86.8%	83.7%
Research and development	53.7	53.9	47.2	-0.4%	+13.8%
Selling, general and administrative	171	144	139	+18.6%	+22.8%
Operating income	363	402	263	-9.9%	+38.1%
Operating margin	53.8%	58.2%	48.9%
Interest expense	59.9	44.6	32.9	+34.3%	+82.0%
Pre-tax income	315	356	237	-11.6%	+32.8%
Income tax	77.5	91.6	55.2	-15.4%	+40.4%
Effective tax rate	24.6%	25.7%	23.3%
Net income	237	264	182	-10.3%	+30.5%
Net margin	35.2%	38.2%	33.9%
Diluted EPS	$10.45	$11.14	$7.40	-6.2%	+41.2%

$ million except per share.

Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow

$ million	Q3 FY2026	Q2 FY2026	Q3 FY2025	On the quarter	On the year
Operating cash flow	380	223	286	+70.3%	+32.9%
Capital expenditure	0.9	0.3	1.8	+224.4%	-51.8%
Free cash flow	380	223	284	+70.1%	+33.5%
Free cash flow margin	56.3%	32.3%	53.0%
Cash from investing	-18.1	-8.4	-10.5
Cash from financing	-333	-156	-239
Depreciation and amortisation	4.2	3.9	2.9	+8.5%	+46.0%
Share-based compensation	52.3	45.3	41.9	+15.5%	+24.8%
Buybacks	2,269	605	487	+274.9%	+366.2%
Diluted shares, weighted	23m	24m	25m	-4.4%	-7.6%
Shares outstanding at period end	22m	23m	24m	-7.3%	-10.4%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet

$ million	Q3 FY2026	Q2 FY2026	Q3 FY2025	On the quarter	On the year
Shareholders' equity	-4,097	-2,102	-1,397
Debt	5,582	3,639	2,780	+53.4%	+100.8%
Operating lease liabilities	15.6	17.6	21.1	-11.0%	-26.1%
Other liabilities	536	493	459	+8.8%	+16.9%
Total liabilities and equity	2,037	2,048	1,862	-0.5%	+9.4%
Fixed assets	91.0	79.6	60.3	+14.3%	+50.8%
Goodwill	792	781	785	+1.3%	+0.8%
Investments	56.1	53.0	50.7	+5.7%	+10.6%
Cash and equivalents	248	219	189	+13.2%	+31.4%
Receivables	593	620	454	-4.4%	+30.5%
Other assets	258	295	322	-12.7%	-20.1%
Total assets	2,037	2,048	1,862	-0.5%	+9.4%

Questions

What was Fair Isaac's revenue in Q3 FY2026?

Fair Isaac (FICO) reported revenue of $674 million for Q3 FY2026, the quarter ended 30 June 2026, up 25.7% on the same quarter a year earlier.

How much did Fair Isaac earn in Q3 FY2026?

Net income for Q3 FY2026 was $237 million, up 30.5% on the year, and diluted earnings per share $10.45.

When did Fair Isaac report Q3 FY2026 results?

Fair Isaac filed its 10-Q for the quarter ended 30 June 2026 with the SEC on 29 July 2026.

Quarterly results, the last 20 quarters

	Q1 FY2022	Q2 FY2022	Q3 FY2022	Q4 FY2022 *	Q1 FY2023	Q2 FY2023	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026	Q3 FY2026	Q4 FY2026 *
Revenue	322	357	349	349	345	380	399	390	382	434	448	454	440	499	536	516	512	692	674	657
Cost of revenue	69.2	71.8	78.7	82.5	76.6	79.8	71.8	82.8	83.5	86.9	88.2	89.6	87.3	87.6	87.6	91.2	87.3	91.2	87.0	86.0
Gross profit	253	285	270	266	268	300	327	307	299	347	360	364	353	411	449	425	425	600	587	571
Gross margin	79%	80%	77%	76%	78%	79%	82%	79%	78%	80%	80%	80%	80%	82%	84%	82%	83%	87%	87%	87%
R&D	39.0	36.4	35.9	35.5	36.6	40.3	41.5	41.6	42.6	40.9	44.2	44.2	45.1	45.0	47.2	51.0	49.9	53.9	53.7	51.8
SG&A	98.0	96.4	93.2	96.2	93.0	100	108	99.3	104	111	125	123	128	120	139	126	141	144	171	225
Operating income	116	152	141	134	140	160	177	166	151	195	190	197	180	246	263	237	234	402	363	267
Operating margin	36%	43%	40%	38%	41%	42%	44%	43%	40%	45%	42%	43%	41%	49%	49%	46%	46%	58%	54%	41%
Interest expense	12.2	17.2	18.7	20.8	22.8	23.9	24.5	24.3	24.2	26.1	26.9	28.5	29.5	31.4	32.9	39.9	42.0	44.6	59.9	76.9
Pre-tax income	105	132	121	113	118	137	158	140	131	173	167	171	150	213	237	202	192	356	315	237
Tax rate	19%	21%	23%	20%	17%	26%	18%	28%	7%	25%	25%	21%	-2%	24%	23%	23%	17%	26%	25%	26%
Net income	85.0	104	93.5	90.7	97.6	102	129	101	121	130	126	136	153	163	182	155	158	264	237	175
Net margin	26%	29%	27%	26%	28%	27%	32%	26%	32%	30%	28%	30%	35%	33%	34%	30%	31%	38%	35%	27%
Diluted EPS	$3.09	$3.95	$3.61	$3.55	$3.84	$4.00	$5.08	$4.01	$4.80	$5.16	$5.05	$5.44	$6.14	$6.59	$7.40	$6.42	$6.61	$11.14	$10.45	$8.12
Operating cash flow	125	123	117	145	92.4	89.8	123	164	122	71.0	213	226	194	74.9	286	224	174	223	380	294
Capital expenditure	0.9	2.4	1.9	0.8	0.8	1.5	0.8	1.1	1.4	4.0	1.7	1.8	0.8	2.1	1.8	4.2	0.2	0.3	0.9	0.8
Free cash flow	124	120	115	144	91.6	88.3	122	163	121	67.0	212	225	193	72.8	284	219	174	223	380	293
Buybacks	483	278	287	56.2	75.0	109	101	120	71.7	172	255	324	163	217	487	548	171	605	2,269	-0.0
Shares outstanding	27m	26m	25m	25m	25m	25m	25m	25m	25m	25m	25m	24m	24m	24m	24m	24m	24m	23m	22m	21m
Filing	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

10-Q for the period ended 30 June 2026, filed 29 July 2026: the filing.