Fair Isaac (FICO) Stock
Credit scoring software leader powering lending decisions. Here's the price, business snapshot, and what's worth knowing about Fair Isaac in November 2026.
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 Q4 Estimates but Withholds FY27 Guidance Amid Mortgage Pricing Overhaul
- Q4 non-GAAP earnings of $11.10 per share surpassed consensus estimates of $10.84, reflecting robust performance in Scores and software segments despite weak mortgage volumes.
- The company withheld fiscal 2027 guidance due to ongoing changes in its mortgage pricing strategy, creating visibility challenges for investors regarding future revenue streams.
- Momentum for the FICO Preferred Program continues to build, with major lenders including DHI Mortgage, LoanDepot, and PennyMac Financial Services recently joining the roster to maintain low-cost credit score access.
FICO Beats Q4 Estimates but Withholds FY27 Guidance Amid Mortgage Pricing Overhaul
- Q4 non-GAAP earnings of $11.10 per share surpassed consensus estimates of $10.84, reflecting robust performance in Scores and software segments despite weak mortgage volumes.
- The company withheld fiscal 2027 guidance due to ongoing changes in its mortgage pricing strategy, creating visibility challenges for investors regarding future revenue streams.
- Momentum for the FICO Preferred Program continues to build, with major lenders including DHI Mortgage, LoanDepot, and PennyMac Financial Services recently joining the roster to maintain low-cost credit score access.
Sixth Month Growth Performance
When is the next earnings date for FAIR ISAAC CORP (FICO)?
Fair Isaac Corporation has a confirmed upcoming earnings report scheduled for November 4, 2026, at 5:00 PM Eastern Time. This release will cover the company's fiscal fourth quarter results for the period ending in September 2026. Investors should note that this date follows the previous quarterly report issued on July 29, 2026, maintaining the firm's consistent reporting cadence.
Stock Performance Snapshot
Analyst Rating
Analysts recommend buying Fair Isaac's stock, predicting it could rise significantly in value.
Financial Health
Fair Isaac Corp is performing well with solid revenue and cash flow, showing strong profitability.
Dividend
Fair Isaac Corp's projected dividend yield of 1.4% is relatively low, which may not attract many dividend-seeking investors. If you invested $1000 you would be paid $14 a year in dividends (based on the last 12 months).
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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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