FICO's revenue reached $657.0M in the latest quarter, up 27.4% year over year, and gross margin held near 86.9%, which suggests the scoring and software franchise retains strong pricing power.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue growth has recovered to 27.4% year over year, but operating margin fell from 58.2% to 40.6% across two quarters while SG&A rose to $225.4M, suggesting negative operating leverage is emerging below the gross profit line.
Fair Isaac Corporation has a strong competitive advantage in credit scoring, which is reinforced by regulatory entrenchment and high barriers to entry.
The company's ability to maintain and increase prices without losing customers highlights its strong market position and value proposition.
FICO's asset-light model allows for high scalability and profitability with minimal capital expenditures.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Nov 4, 2026 | $11.10+3.8% vs $10.69 | $657M+0.8% vs $652M |
Q3 2026 Jul 29, 2026 | $12.18+3.6% vs $11.76 | $674M-0.7% vs $679M |
Q2 2026 Apr 28, 2026 | $12.50+14.8% vs $10.89 | $692M+9.8% vs $630M |
Q1 2026 Jan 28, 2026 | $7.33+3.5% vs $7.08 | $512M+2.1% vs $501M |
Fair Isaac NYSE: FICO reported 27% revenue growth for its fiscal fourth quarter but declined to provide a fiscal 2027 forecast, citing uncertainty around mortgage pricing agreements and loan volumes.
Fair Isaac's Q4 earnings beat estimates as mortgage pricing and software growth lift revenues, but weak mortgage volumes cloud the fiscal 2027 outlook.
AppLovin beat on every line and guided higher, yet its stock has crushed investors after earnings before. Two specific markers will show whether this after-hours surge becomes a real turnaround or another post-report reversal.
Fair Isaac withholds FY27 guidance amid mortgage pricing uncertainty, even as software platform growth, score adoption and strong cash flow bolster its outlook.
Benchmark FICO against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Fair Isaac Corporation (FICO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $704.55 | $15.22B | 18.19 | 27.32% | 32.94% | — | — | |
| $204.59 | $26.63B | 30.07 | 6.63% | 27.68% | — | 0.88% | |
| $641.01 | $46.6B | 33.49 | 9.51% | 43.87% | — | 1.12% | |
| $505.67 | $87.58B | 30.40 | 9.37% | 36.16% | 82.81% | 0.77% | |
| $467.80 | $137.91B | 27.36 | 8.18% | 31.99% | 14.88% | 0.82% | |
| $189.59 | $22.27B | 30.14 | 6.92% | 11.27% | 16.17% | 0.99% |
Fair Isaac Corporation (FICO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Fair Isaac Corporation (FICO) SEC filings — annual & quarterly reports (10-K, 10-Q)
Nov 4, 2026·SEC
Jul 29, 2026·SEC
Jun 8, 2026·SEC
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Fair Isaac Corporation (FICO) stock FAQ — growth, dividends, profitability & financials explained
Fair Isaac Corporation (FICO) reported $2.53B in revenue in fiscal year 2026, which is also its trailing twelve months. That is 1174% more than the $199.0M of fiscal year 1997.
Fair Isaac Corporation (FICO) grew revenue by 27.3% over the trailing twelve months, compared with the twelve months before.
Yes. Fair Isaac Corporation (FICO) earned $835.0M in net income over the trailing twelve months (a 32.9% net margin).
Fair Isaac Corporation (FICO) generated $1.06B in free cash flow over the trailing twelve months.
