Filing Flows › Fair Isaac (FICO) › Q3 FY26
Fair Isaac (FICO) Q3 FY26 earnings results (third quarter fiscal 2026)
10-Q filed Jul 29, 2026
Fair Isaac (FICO) reported revenue of $674M for the third quarter fiscal 2026 (Q3 FY26), +26% from a year earlier and -3% from the quarter before. Operating margin was 53.8%, net earnings $237M (35.2% of revenue).
Fair Isaac, Q3 FY26: revenue $674M (+26% year over year), operating margin 53.8%, net earnings $237M, operating cash flow $380M. The chart follows the revenue to costs, profit and cash.
| Q3 FY26 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $674M | -3% | +26% |
| Operating profit | $363M | -10% | +38% |
| Net earnings | $237M | -10% | +30% |
| Operating cash flow | $380M | +70% | +33% |
| Free cash flow | $370M | — | +34% |
What changed
Revenue was $674.2M in Q3 FY26, up 26% year over year and down 3% from the previous quarter. Scores was the largest line at 68% of revenue. Scores added $134.6M year over year (up 41%), 98% of the total change. Professional services declined 24%.
Operating profit was $362.6M, a 53.8% margin (up 4.8 points year over year). Of the extra revenue versus Q3 FY25, 73% reached operating profit, above the 49% margin then. Total costs grew 14% against revenue growth of 26%. The fastest-growing cost line was SG&A (+23%). Net earnings were $237.2M, up 30% year over year. The effective tax rate was 24.6%.
Operating cash flow was $380.4M (up 33% year over year), 160% of net earnings. Non-cash charges added back $4.2M of depreciation and amortization and $52.3M of share-based compensation. Working capital and other items added $86.7M. After capital expenditures ($10.1M), free cash flow as the company reports it was $370.3M.
Questions
What was Fair Isaac's revenue in the third quarter fiscal 2026?
Fair Isaac (FICO) reported revenue of $674M for the third quarter fiscal 2026 (Q3 FY26), +26% from a year earlier and -3% from the quarter before.
Was Fair Isaac profitable in the third quarter fiscal 2026?
Operating profit was $363M (53.8% of revenue) and net earnings $237M.
Source: Fair Isaac 10-Q on SEC EDGAR.