Fair Isaac Corp
Fair Isaac Corporation (FICO) is best known for the FICO Score, a widely used credit-scoring metric, and for its analytics and decision-management software used by banks, insurers, retailers and government agencies. The company sells a mix of software licences, cloud-based subscriptions, analytics services and consulting, giving it recurring revenue elements and high margins. Key growth drivers include digital lending, fraud prevention demand, adoption of cloud decisioning, and the use of alternative data and machine learning to refine risk models. Investors should note exposure to credit-cycle sensitivity — demand for scoring and decision tools can ebb and flow with lending activity — and regulatory scrutiny over scoring and data use. Competition from other analytics and fintech firms, and operational risks like cyber incidents, are additional considerations. This summary is educational and not personalised advice; values can rise or fall and any investment should be considered against your goals and risk tolerance.
Why It's Moving
FICO Beats Q1 Estimates but Shares Dip on Conservative Full-Year Guidance
- Scores revenue surged 29% to $304.5 million, fueled by higher mortgage origination volumes and pricing, highlighting robust demand for advanced FICO scoring models.
- Software segment posted modest 2% growth to $207.5 million, with platform ARR leaping 33% on record annual contract value bookings and SaaS momentum.
- Jefferies reaffirmed Buy rating citing oversold conditions and undervaluation, as analysts eye FY2026 upside despite reiterated conservative guidance.
FICO Beats Q1 Estimates but Shares Dip on Conservative Full-Year Guidance
- Scores revenue surged 29% to $304.5 million, fueled by higher mortgage origination volumes and pricing, highlighting robust demand for advanced FICO scoring models.
- Software segment posted modest 2% growth to $207.5 million, with platform ARR leaping 33% on record annual contract value bookings and SaaS momentum.
- Jefferies reaffirmed Buy rating citing oversold conditions and undervaluation, as analysts eye FY2026 upside despite reiterated conservative guidance.
When is the next earnings date for Fair Isaac Corp (FICO)?
Fair Isaac (FICO) is scheduled to report its next earnings for the second quarter of fiscal 2026, covering the period ended March 31, 2026, on May 5, 2026. This follows the recent Q1 fiscal 2026 release on January 28, 2026. Investors should anticipate the conference call details to be confirmed closer to the date.
Stock Performance Snapshot
Analyst Rating
Analysts recommend buying Fair Isaac Corp's stock with a target price of $2,021.86, indicating strong potential for growth.
Financial Health
Fair Isaac Corp is performing well with strong profits and cash flow, indicating solid financial stability.
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Explore BasketWhy You’ll Want to Watch This Stock
Recurring Revenue Shift
FICO has been shifting toward cloud subscriptions and recurring fees, which can smooth revenue, though performance can vary with client adoption and market cycles.
Global Demand For Scoring
Lenders and insurers worldwide rely on scoring and analytics, offering geographic growth potential, but regulatory regimes and data rules differ by market.
Analytics & Innovation
Investment in machine learning and alternative data can enhance competitive position, while cyber and model-risk require careful oversight.
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