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Fair Isaac (FICO) guidance and outlook
Fair Isaac's 10-K filed Nov 6, 2026 makes 13 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-K filed Nov 6, 2026
- For renewals of existing software subscription contracts, we count only incremental annual revenue expected over the current contract as ACV Bookings.
- Differences between the initial estimates of future usage-based fees and actual results historically have not been material and we do not currently expect that they will be materially different in the future.
- We disclose estimated revenue expected to be recognized in the future related to remaining performance obligations in Note 9 to the accompanying consolidated financial statements.
- All components of our software licensing and subscription arrangements that are not expected to recur (primarily perpetual licenses) are excluded.
- For jurisdictions outside the U.S. where cash may be repatriated in the future, the Company expects the net impact of any repatriations to be immaterial to the Company’s overall tax liability.
- Under the ASR Agreement, in June 2026 we received an initial delivery of 1,055,103 shares of common stock, representing approximately 80 percent of the total shares expected to be repurchased under the ASR Agreement.
- As we are not able to reasonably estimate the timing of the payments or the amount by which the liability will increase or decrease over time, the related balances have not been reflected in the section of the table showing payment by fiscal year.
- Variable consideration is estimated based on either the expected value or the most likely amount method depending on which method we expect to better predict the amount of consideration to which we will be entitled.
- Our estimates of variable consideration are based largely on an assessment of our anticipated performance and all information (historical, current and forecasted) that is reasonably available to us at contract inception and require judgment.
- We believe our projected operating results and cash flows would need to be significantly less favorable to have a material impact on our impairment assessment.
- These differences result in deferred tax assets and liabilities recorded on our consolidated balance sheets using the currently enacted tax rates and laws that will apply to taxable income for the years in which those tax assets are expected to be realized or settled.
- We then assess the likelihood our deferred tax assets will be realized and to the extent we believe realization is not more likely than not, we establish a valuation allowance.
Fair Isaac's latest quarter
Fair Isaac, Q4 FY26: revenue $657M (+27% year over year), operating margin 40.6%, net earnings $175M, operating cash flow $294M. The chart follows the revenue to costs, profit and cash.
Questions
What does Fair Isaac expect?
For renewals of existing software subscription contracts, we count only incremental annual revenue expected over the current contract as ACV Bookings. Differences between the initial estimates of future usage-based fees and actual results historically have not been material and we do not currently expect that they will be materially different in the future. We disclose estimated revenue expected to be recognized in the future related to remaining performance obligations in Note 9 to the accompanying consolidated financial statements.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.