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Fair Isaac (FICO) earnings and revenue breakdown

Latest: Q4 FY26 · 10-K filed Nov 6, 2026 · Fair Isaac (FICO) Q4 FY26 earnings results →

Q4 FY26 Revenue up 27% year over year to $657M · 27¢ of every $1 of revenue kept as net profit · operating margin 40.6%

Fair Isaac made $657M in Q4 FY26 (+27% Y/Y): Scores $414M, On-premises and SaaS software $224M, Professional services $19.5M. Operating margin 40.6%, net earnings $175M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-K filed Nov 6, 2026.

Revenue$657M
Year over year+27%
Operating margin40.6%
Net earnings$175M
Operating cash flow$294M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $657.0M in Q4 FY26, up 27% year over year and down 3% from the previous quarter. Scores was the largest line at 63% of revenue.

Operating profit was $266.6M, a 40.6% margin (down 5.4 points year over year). Of the extra revenue versus Q4 FY25, 21% reached operating profit, below the 46% margin then. Total costs grew 40% against revenue growth of 27%. The fastest-growing cost line was Other operating costs (+150%). Net earnings were $175.0M, up 13% year over year. The effective tax rate was 26.3%.

Operating cash flow was $294.2M (up 32% year over year), 168% of net earnings. Non-cash charges added back $4.6M of depreciation and amortization and $43.5M of share-based compensation. Working capital and other items added $71.1M. After capital expenditures ($9.8M), free cash flow as the company reports it was $284.3M.

Quarterly history

Fair Isaac revenue by quarterFair Isaac revenue by quarter$499MQ2 FY25$536MQ3 FY25$516MQ4 FY25$512MQ1 FY26$692MQ2 FY26$674MQ3 FY26$657MQ4 FY26
Fair Isaac net earnings by quarterFair Isaac net earnings by quarter$163MQ2 FY25$182MQ3 FY25$155MQ4 FY25$158MQ1 FY26$264MQ2 FY26$237MQ3 FY26$175MQ4 FY26
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q4 FY2610-KNov 6, 2026$657M+27%40.6%$175M$294M
Q3 FY2610-QJul 29, 2026$674M+26%53.8%$237M$380M
Q2 FY2610-QApr 28, 2026$692M+39%58.2%$264M$223M
Q1 FY2610-QJan 28, 2026$512M+16%45.7%$158M$174M
Q4 FY2510-KNov 7, 2025$516M+14%46.0%$155M$224M
Q3 FY2510-QJul 30, 2025$536M+20%48.9%$182M$286M
Q2 FY2510-QApr 29, 2025$499M+15%49.3%$163M$74.9M

Charts

Fair Isaac: revenue growth, year over year and quarter over quarterFair Isaac: revenue growth, year over year and quarter over quarterY/YQ/Q+15%Q2 FY25+20%+8%Q3 FY25+14%-4%Q4 FY25+16%-1%Q1 FY26+39%+35%Q2 FY26+26%-3%Q3 FY26+27%-3%Q4 FY26
Latest (Q4 FY26): Y/Y +27%, Q/Q -3%.
Fair Isaac: where the cash came from (+) and went (−), FY26Fair Isaac: where the cash came from (+) and went (−), FY26Buybacks−$3.0BNet borrowing (+) / repaid (−)$2.2BOperating cash flow$1.1BTaxes on employees’ shares−$113MCash drawn (+) / kept (−)−$83.5MOther investing−$43.3MShares issued$5.9MOther financing$5.0MCapital spending−$2.1MExchange rates−$2.1M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Fair Isaac: profit against cash, quarter by quarterFair Isaac: profit against cash, quarter by quarterNet incomeOperating cash flow$153M$194MQ1 FY25$163M$74.9MQ2 FY25$182M$286MQ3 FY25$155M$224MQ4 FY25$158M$174MQ1 FY26$264M$223MQ2 FY26$237M$380MQ3 FY26$175M$294MQ4 FY26
Latest (Q4 FY26): Net income $175M, Operating cash flow $294M.
Fair Isaac: diluted shares by fiscal yearFair Isaac: diluted shares by fiscal year29MFY2126MFY2225MFY2325MFY2425MFY2523MFY26
-21.4% since FY21: buybacks shrank the count.
Fair Isaac in its industry: growth against margin (87 companies, SIC 7389)Fair Isaac in its industry: growth against margin (87 companies, SIC 7389)revenue growth, year over year →↑ operating marginmedian +8%median 7%ACNUBERVMELIMAPYPLFISVDASHAMTMFISGPNEBAYCNXCLYFTBRCPAYFOURRBAMMSTNETAKAMCARTWUCSGPADVMSCIWEXZGCBZETSYTICEXLSCNDTRELYALITMBGLQNSTMAXPAYHQYPAYOPRTHCTEVXMTRFLYWGETYANDGNUTXACVAXBPSEZLIMXILQDTPHRRMNIRPAYRGPSCORJANLCASSAMWLSGRPDHXBAERPAYSOPRXNOTEHGBLPOWWRSSSDVLTPAYDQMCIINVUTGLASFHCJMBOLBXHLDFTFTDBMMCNFNSRCOGBUXWASTBCRDFICO (+27%, 41%)
Services-Business Services, NEC; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Fair Isaac

Fair Isaac Corporation (NYSE: FICO) (together with its consolidated subsidiaries, the “Company,” which may also be referred to in this report as “we,” “us,” “our,” and “FICO”) is a global analytics software leader. We were founded in 1956 on the premise that data, used intelligently, can improve business decisions. Today, FICO’s software and the widely used FICO ® Score operationalize analytics, enabling thousands of businesses in more than 70 countries to uncover new opportunities, make timely decisions that matter, and execute them at scale. Most leading banks and credit card issuers rely on our solutions, as do insurers, retailers, telecommunications providers, automotive lenders, consumer reporting agencies, public agencies, and organizations in other industries.

In its own words, from its 10-K, filed Nov 6, 2026.

Fair Isaac against its Services-Business Services, NEC peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +27% against the peers' median +13%. Operating margin: 40.6% against the peers' median 15.3%.

CompanyQuarterRevenueY/YOp. margin
FICO Fair IsaacQ4 FY26$657M+27%40.6%
ACN AccentureQ4 FY26$18.7B+6%15.3%
UBER Uber TechnologiesQ3 2026$14.8B+10%9.8%
V VisaQ4 FY26$12.1B+13%59.8%
MELI MercadoLibreQ3 2026$10.8B+45%6.3%
MA MastercardQ3 2026$9.8B+14%59.8%
PYPL PayPal HoldingsQ3 2026$8.6B+2%16.3%
FISV FiservQ3 2026$5.2B-1%-105.7%
DASH DoorDashQ3 2026$4.6B+34%9.6%

Source: Fair Isaac 10-K on SEC EDGAR · CIK 814547 · Services-Business Services, NEC

Guidance and outlook

Fair Isaac Revenue: guidance against what was reportedFair Isaac Revenue: guidance against what was reportedguided rangereported (above / within / below)FY24FY25$2.0BFY26$2.5B
Met or beat 2 of 2 guided periods. Grey: the last range guided before the figures came out; dot: the reported figure.
Fair Isaac GAAP net income: guidance against what was reportedFair Isaac GAAP net income: guidance against what was reportedguided rangereported (above / within / below)FY24FY25$652MFY26$835M
Met or beat 1 of 2 guided periods. Grey: the last range guided before the figures came out; dot: the reported figure.
Fair Isaac: what its forward-looking statements are about (10-K filed 2026-11-06)Fair Isaac: what its forward-looking statements are about (10-K filed 2026-11-06)Other9Demand2Legal & regulation1Buybacks & dividends1
13 statements; tone -0.15 (−1 all cautious, +1 all confident); 2 hedged.
Fair Isaac: outlook statements against the filing beforeFair Isaac: outlook statements against the filing beforeCautious2

13F: who owns FICO and who is buying

Largest holders of FICO (13F)Largest holders of FICO (13F)Vanguard Group$5.1BBlackRock$2.5BVanguard Capital Management LLC$1.8BCapital Research Global Investors$1.5BVanguard Portfolio Management LLC$1.5BCapital International Investors$1.5BState Street$1.3BGeode Capital Management, LLC$874MCapital World Investors$855MValley Forge Capital Management, …$803M
Funds' net buying of FICO by quarter (13F)Funds' net buying of FICO by quarter (13F)−$346M2024-09−$829M2024-12$681M2025-03$258M2025-06$392M2025-09$182M2025-12$418M2026-03$73.0M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on FICO

History

Every quarter: Q4 FY26 results · Q3 FY26 results · Q2 FY26 results · Q1 FY26 results · Q4 FY25 results · Q3 FY25 results · Q2 FY25 results

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中文版：Fair Isaac（FICO）财报

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