FICO Educational Analytics Challenge Returns for Fourth Year, Tasking Students with Building AI to Detect Cyber Attacks Global analytics software leader FICO (NYSE: FICO) announced its FICO Educational Analytics Challenge is returning for a fourth year, providing students at Historically Black Colleges and Universities (HBCUs) direct, practical exposure to the work of professional data scientists. The program pairs classroom theory with hands-on AI model-building, giving students real skills training they can carry into a career. For this fall semester, FICO welcomes back Alabama A&M University, Dillard University, Morehouse College and Fayetteville State University. The program is led by FICO’s Chief Analytics Officer, Dr. Scott Zoldi, and FICO’s team of data scientists who will spearhead weekly instruction and mentor participants throughout the semester.
In its fourth year, the Fall 2026 program challenges students to address cybersecurity vulnerabilities by designing and training their own machine learning systems capable of spotting network intrusions before they cause damage. Participants will study various types of intrusion, ranging from denial-of-service attacks and botnets to ransomware and crypto mining, before applying their learnings and models to real-world cybersecurity scenarios. Through this hands-on approach, FICO is helping cultivate the intrusion-detection expertise the data science field will increasingly depend on. FICO has spent decades pioneering Responsible AI models that today's financial institutions rely on to prevent cybercrimes. In addition to hands-on learning and advanced curriculum, FICO provides financial grants to support students at participating universities.
"The Analytics Challenge has pushed our students to think critically about how AI models are built and the importance of applying AI responsibly," said Dennis Sigur Jr., assistant professor of computer science at Dillard University. “This fall, our students are excited to apply real-world skills that will prepare them for meaningful careers in analytics and data science while building solutions that address a cybersecurity threat that only continues to grow.”
“As cyber threats become more sophisticated, so must the people building the systems that defend against them,” said Dr. Zoldi. “Through this program, students learn and design AI models that must make decisions on first seen and evolving cyber-attacks with sophisticated unsupervised AI. It’s the kind of hands-on, high-stakes practical work that prepares them for a career in analytics, and we’re proud to help guide them through it and influence data science curriculum at the same time.”
The HBCU Data Science Consortium (DSC) is a collaboration of leaders in academia, industry and government formed to address today's data challenges. FICO's partnership with the DSC builds on existing work with Dr. Velma Latson, co-executive director of the DSC. Through this partnership, FICO data scientists mentor students and support the development of university analytics curricula at institutions without formal data science programs. The goal is to strengthen the pipeline of diverse data science talent entering the field, while giving students hands on experience in Responsible AI and real-world analytics they can carry into their careers.
"FICO continues to be on the forefront of innovation and technology advancements," said Dr. Latson. "As a professor and now through my work with the DSC, I have the unique opportunity to help other universities adopt the program and witness the impact firsthand, as I have the last three years. The program provides an invaluable opportunity for students to gain hands-on experience with AI, as well as for faculty to identify and fill gaps in data science curriculum and help ready their students for the workforce."
FICO also provides resources for students regarding workforce and career development.
Solving diverse problems demands a field of practitioners as diverse as the data itself. FICO remains a proud participant in the HBCU Partnership Challenge, an initiative of the Bipartisan Historically Black Colleges and Universities Caucus led by Congresswoman Alma Adams and Congressman French Hill. Through the HBCU Partnership Challenge, FICO continues to build strategic, lasting relationships with HBCUs while broadening the talent pipeline into the data science industry.
To learn more about the FICO Educational Analytics Challenge, including how to get involved, visit: https://www.fico.com/en/feac
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com/en
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260909432469/en/
Disclosures I/we have no positions in any stocks mentioned, and have no plans to buy any new positions in the stocks mentioned within the next 72 hours.
Fair Isaac Corporation (NYSE:FICO) shares are trading lower on Tuesday after dropping almost 17% on Friday, when a top federal housing regulator criticized its pricing and the reliance on FICO scores in mortgage lending.
But now the shares are oversold and at a support level. These can be bullish dynamics that suggest a move higher. This is why Fair Isaac is the Stock of the Day.
Most of the time, a stock stays within its normal or typical trading range. If aggressive and emotional sellers push it below this range, traders say it is oversold.
This is important because many trading strategies and models are based on the concept of reversion to the mean. Oversold conditions will draw buyers into the market. Their buying could push the shares higher.
The red line on the price chart is called a Bollinger Band. It is two standard deviations below the 20-day moving average. According to statistics and probability theory, 95% of trading should occur within two standard deviations of the mean.
If the shares are below this threshold, like they are now, they are considered to be oversold.
The lower part of the chart is the Relative Strength Index (RSI). It is another tool traders use to determine if a stock is oversold.
If the blue line is close to or below the red horizontal line, it indicates oversold conditions. As you can see, this is the case now.
In addition to being oversold, Fair Issac is also at a support level.
Support is a price level where there is a large amount of demand or buy orders for a stock. As you can see on the chart, there is support around the $920 level.
The combination of being oversold while at support can be a bullish dynamic. Shares of Fair Issac may be about to head higher.
FICO Price Action: Fair Isaac shares were down 2.92% at $905.00 at the time of publication on Tuesday. The stock is near its 52-week low of $870.01, according to Benzinga Pro data.
Market News and Data brought to you by Benzinga APIs
California State Teachers Retirement System raised its stake in shares of Fair Isaac Corporation (NYSE:FICO – Free Report) by 115,419.1% during the 2nd quarter, according to the company in its most recent Form 13F filing with the Securities & Exchange Commission. The fund owned 40,371,616 shares of the technology company’s stock after purchasing an additional 40,336,668 shares during the period. California State Teachers Retirement System owned 186.91% of Fair Isaac worth $48,235,199,000 as of its most recent SEC filing.
A number of other institutional investors and hedge funds have also modified their holdings of FICO. Bayban bought a new stake in shares of Fair Isaac during the 4th quarter worth $25,000. Rakuten Securities Inc. raised its holdings in Fair Isaac by 100.0% in the 2nd quarter. Rakuten Securities Inc. now owns 24 shares of the technology company’s stock worth $44,000 after acquiring an additional 12 shares during the period. Elyxium Wealth LLC acquired a new position in Fair Isaac during the 4th quarter worth $42,000. Keating Financial Advisory Services Inc. acquired a new position in Fair Isaac during the 2nd quarter worth $30,000. Finally, Western Wealth Management LLC bought a new stake in Fair Isaac during the first quarter valued at about $29,000. 85.75% of the stock is currently owned by institutional investors and hedge funds.
Analyst Upgrades and Downgrades Several equities research analysts have recently issued reports on the company. Barclays lowered their price target on Fair Isaac from $1,950.00 to $1,700.00 and set an “overweight” rating on the stock in a research report on Monday, August 10th. Royal Bank Of Canada decreased their target price on Fair Isaac from $2,400.00 to $1,525.00 and set an “outperform” rating for the company in a research note on Thursday, July 30th. Wall Street Zen lowered Fair Isaac from a “buy” rating to a “hold” rating in a report on Sunday, June 28th. Wells Fargo & Company lifted their price target on Fair Isaac from $1,400.00 to $1,450.00 and gave the stock an “overweight” rating in a research report on Thursday, July 30th. Finally, Jefferies Financial Group set a $1,675.00 price target on Fair Isaac in a report on Monday, August 3rd. Eleven equities research analysts have rated the stock with a Buy rating and five have assigned a Hold rating to the stock. According to MarketBeat.com, the stock has an average rating of “Moderate Buy” and an average price target of $1,553.69.
View Our Latest Stock Report on Fair Isaac Fair Isaac Trading Down 0.1% NYSE FICO opened at $931.63 on Monday. Fair Isaac Corporation has a 1-year low of $870.01 and a 1-year high of $1,998.01. The company has a market capitalization of $20.12 billion, a price-to-earnings ratio of 26.91, a PEG ratio of 0.84 and a beta of 1.32. The stock’s 50 day moving average is $1,169.37 and its two-hundred day moving average is $1,164.53.
Fair Isaac (NYSE:FICO – Get Free Report) last issued its earnings results on Wednesday, July 29th. The technology company reported $12.18 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $11.76 by $0.42. The business had revenue of $674.19 million during the quarter, compared to analysts’ expectations of $679.17 million. Fair Isaac had a negative return on equity of 32.51% and a net margin of 34.05%.Fair Isaac’s quarterly revenue was up 25.7% compared to the same quarter last year. During the same period in the prior year, the firm posted $8.57 EPS. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. On average, analysts predict that Fair Isaac Corporation will post 37.37 earnings per share for the current year.
Key Fair Isaac News Here are the key news stories impacting Fair Isaac this week:
Neutral Sentiment: Fair Isaac’s recent quarterly results showed strong underlying performance: earnings exceeded estimates, revenue increased 25.7% year over year, and scores revenue grew 41%. However, the results also highlighted the importance of mortgage-related scoring revenue, making the company more sensitive to increased competition in that market. Negative Sentiment: The Federal Housing Finance Agency ordered Fannie Mae and Freddie Mac to allow all lenders to use VantageScore 4.0 for mortgage underwriting. The move expands access to a competing scoring model and challenges FICO’s long-standing position as the primary model used in agency-backed mortgages. Pulte orders Fannie and Freddie to let all lenders use VantageScore Negative Sentiment: Investors fear broader VantageScore adoption could reduce FICO’s mortgage-score volumes, pricing power, and profit margins by giving lenders greater choice. The market is reassessing the durability of FICO’s competitive moat and elevated pricing in a business that has been a major growth driver. Mortgage credit-score competition threatens FICO’s core franchise Negative Sentiment: FHFA Director Bill Pulte criticized the credit-scoring industry and ordered the policy change, raising concern that additional regulatory pressure could limit FICO’s pricing leverage. The directive was widely cited as the immediate catalyst for the selloff in FICO and credit-bureau stocks. FHFA chief Pulte criticizes the industry Insider Transactions at Fair Isaac In other Fair Isaac news, Director Eva Manolis sold 967 shares of the stock in a transaction on Wednesday, July 29th. The stock was sold at an average price of $1,400.00, for a total transaction of $1,353,800.00. Following the completion of the transaction, the director directly owned 498 shares in the company, valued at $697,200. This represents a 66.01% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which can be accessed through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 3.02% of the stock is owned by corporate insiders.
About Fair Isaac (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
Featured Articles Five stocks we like better than Fair Isaac AI Token Costs Are Changing the Hardware vs. Software Debate 3 ETFs That Could Move as Rate Expectations Shift 3 Stocks With September Catalysts Investors Shouldn’t Ignore Ollie’s Bargain Outlet Stock Falls on Weak Comps Despite Margin Gains Want to see what other hedge funds are holding FICO? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Fair Isaac Corporation (NYSE:FICO – Free Report).
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Zámořské akciové trhy zakončily dnešní obchodování v záporném teritoriu. Index Dow Jones klesl o 0,51 % na 53 414,25 bodu, S&P 500 odepsal 0,38 % na 7 718,60 bodu a technologický Nasdaq Composite ztratil 0,29 % na 26 506,99 bodu. Hlavním impulsem k poklesu byla překvapivě silná data z amerického trhu práce, která zvýšila pravděpodobnost, že centrální banka v září zvýší úrokové sazby.
Mezi sektory indexu S&P 500 se nejvíce dařilo průmyslu se ziskem 0,4 %, informačním technologiím s růstem o 0,2 % a utilitám, které stagnovaly. Naopak nejvýraznější pokles zaznamenala zbytná spotřeba se ztrátou 1,3 %, následovaná zdravotní péčí a energiemi se shodným poklesem o 1 %. Z jednotlivých akcií výrazně posílily společnosti Sandisk Corp (SNDK) o 12 %, KLA Corp (KLAC) o 7,3 %, Marvell Technology (MRVL) o 7,1 %, Coherent Corp (COHR) o 6,6 % a NRG Energy (NRG) o 6,4 %. Na opačné straně trhu se ocitla společnost Lululemon Athletica (LULU), jež po zhoršení celoročního výhledu propadla o 17 %. Výrazně ztrácely také společnosti Fair Isaac Corp (FICO) o 17 %, Autodesk (ADSK) o 8,3 %, Adobe (ADBE) o 6,7 % a Equifax (EFX) o 6,4 %.
Očekávání přísnější měnové politiky poslalo nahoru výnosy amerických vládních dluhopisů. Výnos dvouletého dluhopisu vzrostl na 4,37 %, výnos desetiletého dluhopisu stoupl na 4,78 %. Euro vůči americkému dolaru mírně oslabilo o 0,1 % na 1,1614 USD a japonský jen klesl o 0,3 % na 156,27 JPY za dolar. Ropa WTI mírně posílila o 0,1 % na 91,41 USD za barel, zatímco spotové zlato odepsalo 0,9 % na 4 432,58 USD za trojskou unci.
Index Dow Jones -0,51 % na 53414,25 b.
S&P 500 -0,38 % na 7718,6 b.
Nasdaq Composite -0,29 % na 26506,99 b.
Index S&P 500 -0,38 % na 7718,6 b. Nejsilnější sektory S&P Změna Nejslabší sektory S&P Změna Průmysl +0,4 % Zbytná spotřeba -1,3 % Informační technologie +0,2 % Zdravotní péče -1 % Utility +0 % Energie -1 % Nejsilnější akcie S&P Změna Nejslabší akcie S&P Změna Sandisk Corp (SNDK) +12 % Lululemon Athletica (LULU) -17 % KLA Corp (KLAC) +7,3 % Fair Isaac Corp (FICO) -17 % Marvell Technology (MRVL) +7,1 % Autodesk (ADSK) -8,3 % Coherent Corp (COHR) +6,6 % Adobe (ADBE) -6,7 % NRG Energy (NRG) +6,4 % Equifax (EFX) -6,4 %
Daniel Marván
Fio banka, a.s.
Prohlášení
Fair Isaac Corporation (FICO -15.71%) stock, home of the famous FICO score, tumbled 17.8% through 10:55 a.m. ET Friday. You can blame the Trump Administration for that.
And U.S. Federal Housing Finance Agency Director Bill Pulte in particular.
Image source: Getty Images.
Bill Pulte spooks the market Pulte announced last night that he has directed the heads of Fannie Mae and Freddie Mac to accept mortgage loans for purchase from banks when those loans were issued in reliance on a Vantage credit score rather than the more traditional FICO score. Created in 2006 as an alternative to FICO, Vantage is a credit score created in cooperation by the three major credit bureaus, Equifax, Experian, and TransUnion.
It's failed to reach critical mass since then, but with a helping hand from the U.S. government, investors are wondering whether this time might be different -- and whether that could be bad news for FICO.
Premium Feature
Moneyball Superscore
80/100
Today's Change
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-15.71
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Current Price
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What it means for FICO The Trump Administration has criticized Fair Isaac for contributing to the high cost of homeownership by charging excessive rates when banks pull FICO scores for mortgage applicants -- and has promised to lower the cost of home ownership. The push to introduce competition to FICO by encouraging the use of Vantage scores is part of this effort.
It might even work. Vantage's owners have advertised $0.99 prices for pulling a single credit score, whereas Fair Isaac charges $10 or more (often much more). While a $9 difference might not make much of a dent in the cost of homeownership, therefore, if price competition forces Fair Isaac to cut prices on its premier product, that could have a significant effect on FICO's profitability.
That's what's got investors in Fair Isaac stock feeling nervous today.
Rich Smith has no position in any of the stocks mentioned. The Motley Fool recommends Fair Isaac. The Motley Fool has a disclosure policy.
As of 11:37 AM ET, the Dow Jones Industrial Average (^DJI -0.49%) is down 0.67% to 53,325.23, the S&P 500 (^GSPC -0.39%) has slipped 0.50% to 7,708.89, and the Nasdaq Composite (^IXIC -0.34%) is trading 0.44% lower at 26,467.18 as a surprisingly strong employment report sparks renewed interest rate anxiety.
Index
S&P 500 IndexToday's Change
(
-0.39
%)
-30.12
Index Level
7,717.59
Gold is down 1.15% to $4,487.60, while the 10-Year Treasury yield has risen 1 basis point to to 4.77%. Utilities is the only sector in the green, while consumer cyclicals and communication services saw the biggest declines.
Today's biggest movesLululemon Athletica tumbled 18% on news of declining revenue and a cut to its outlook. Memory stocks, such as Sandisk and Micron Technology, gained despite broader stock market losses. Fair Isaac (FICO -15.71%) plummeted following pricing criticism on social media from the Federal Housing Finance Agency.
What this means for investorsYesterday's optimism that the Federal Reserve might not raise rates when it meets later this month was swiftly dashed today as U.S. job growth surged, beating expectations. The economy added 162,000 jobs in August, despite geopolitical tensions and inflation pressure.
On the face of it, that strength is good news for the economy. However, stocks fell because a rate hike is now more likely: The Fed's dual mandates are maximum employment and price stability, and if things are OK on the employment front, it has more leeway to raise rates to bring down inflation.
For investors, the big lesson to take from both yesterday's gains and today's losses is this: Sentiment can shift with each new economic report, so try to tune out the noise. Instead, focus on companies with strong fundamentals that you plan to hold for five years or more.
Emma Newbery has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Micron Technology. The Motley Fool recommends Fair Isaac and Lululemon Athletica Inc. The Motley Fool has a disclosure policy.
Index Dow Jones -0,21 % na 53571,45 b. S&P 500 -0,12 % na 7738,27 b. Nasdaq Composite -0,03 % na 26575,97 b.
Přední americké indexy se obchodují v červených číslech. Před otevřením trhu byly reportovány srpnové hodnoty z trhu práce ve Spojených státech, které indikují, že trh práce je nadále silný. Z indexu S&P500 zaznamenávají největší pokles akcie společnosti Fair Isaac Corp (-20 %), když ředitel Federální agentury pro financování bydlení nařídil společnostem Fannie Mae a Freddie Mac, aby všem věřitelům povolil používání VantageScore, čímž podle agentury Bloomberg fakticky ukončil dlouholetý monopol společnosti. Po výsledkovém reportu se nedaří akciím Lululemon Athletica (-16 %). Trhy zklamalo především snížení celoročního výhledu tržeb a ziskovosti. Nově projektuje čisté tržby v rozmezí 10,35-10,50 mld. USD, analytický konsensus byl nastaven na 11,03 mld. USD. Zisk na akcii je projektován ve výši 9,48 až 9,73 USD, očekávalo se 10,84 USD. Ztrácí také softwarová společnost Adobe (-7,6 %), která jmenovala nového generálního ředitele.
Index S&P 500 -0,12 % na 7738,27 b. Nejsilnější sektory S&P Změna Nejslabší sektory S&P Změna Informační technologie +0,6 % Energie -1,3 % Průmysl +0,4 % Zbytná spotřeba -1,2 % Utility +0 % Zdravotní péče -0,7 % Nejsilnější akcie S&P Změna Nejslabší akcie S&P Změna Coherent Corp (COHR) +5,7 % Fair Isaac Corp (FICO) -20 % KLA Corp (KLAC) +5,6 % Lululemon Athletica (LULU) -16 % Seagate Technology Holdings (STX) +5,5 % Equifax (EFX) -8,3 % Teradyne (TER) +5,3 % Adobe (ADBE) -7,6 % Western Digital Corp (WDC) +5,2 % Autodesk (ADSK) -6,7 % Zdroj: Bloomberg
Barlow Wealth Partners LLC lowered its stake in shares of Fair Isaac Corporation (NYSE:FICO – Free Report) by 17.5% in the second quarter, according to its most recent Form 13F filing with the Securities & Exchange Commission. The institutional investor owned 12,601 shares of the technology company’s stock after selling 2,674 shares during the period. Fair Isaac comprises 1.7% of Barlow Wealth Partners LLC’s investment portfolio, making the stock its 28th biggest position. Barlow Wealth Partners LLC owned about 0.06% of Fair Isaac worth $15,954,000 as of its most recent filing with the Securities & Exchange Commission.
Several other hedge funds have also recently modified their holdings of the stock. NEOS Investment Management LLC boosted its holdings in Fair Isaac by 15.0% in the 2nd quarter. NEOS Investment Management LLC now owns 3,709 shares of the technology company’s stock worth $4,431,000 after buying an additional 484 shares during the last quarter. Nykredit A S acquired a new position in shares of Fair Isaac during the second quarter valued at approximately $10,586,000. Proficio Capital Partners LLC purchased a new position in shares of Fair Isaac in the second quarter valued at approximately $216,000. Spyglass Capital Management LLC lifted its position in shares of Fair Isaac by 33.0% in the second quarter. Spyglass Capital Management LLC now owns 74,948 shares of the technology company’s stock valued at $89,546,000 after acquiring an additional 18,598 shares in the last quarter. Finally, Fundsmith LLP acquired a new stake in shares of Fair Isaac in the second quarter worth approximately $21,450,000. Institutional investors and hedge funds own 85.75% of the company’s stock.
Fair Isaac Stock Up 1.7% Shares of NYSE:FICO opened at $1,118.41 on Friday. The business has a fifty day moving average of $1,174.33 and a two-hundred day moving average of $1,167.44. The stock has a market cap of $24.16 billion, a P/E ratio of 32.31, a PEG ratio of 0.99 and a beta of 1.32. Fair Isaac Corporation has a 52-week low of $870.01 and a 52-week high of $1,998.01.
Fair Isaac (NYSE:FICO – Get Free Report) last posted its quarterly earnings results on Wednesday, July 29th. The technology company reported $12.18 EPS for the quarter, topping the consensus estimate of $11.76 by $0.42. Fair Isaac had a negative return on equity of 32.51% and a net margin of 34.05%.The business had revenue of $674.19 million for the quarter, compared to analyst estimates of $679.17 million. During the same quarter in the previous year, the firm earned $8.57 EPS. The company’s quarterly revenue was up 25.7% compared to the same quarter last year. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. On average, equities analysts anticipate that Fair Isaac Corporation will post 37.37 earnings per share for the current year. Analyst Upgrades and Downgrades FICO has been the subject of several research reports. Weiss Ratings upgraded Fair Isaac from a “hold (c-)” rating to a “hold (c)” rating in a research report on Friday, August 28th. UBS Group lowered their target price on shares of Fair Isaac from $1,200.00 to $1,130.00 and set a “neutral” rating on the stock in a research note on Wednesday, August 12th. Bank of America lowered their target price on shares of Fair Isaac from $1,550.00 to $1,400.00 and set a “buy” rating on the stock in a research note on Tuesday, May 19th. Barclays reduced their target price on shares of Fair Isaac from $1,950.00 to $1,700.00 and set an “overweight” rating for the company in a research report on Monday, August 10th. Finally, Royal Bank Of Canada lowered their price target on shares of Fair Isaac from $2,400.00 to $1,525.00 and set an “outperform” rating on the stock in a research report on Thursday, July 30th. Eleven investment analysts have rated the stock with a Buy rating and five have assigned a Hold rating to the company’s stock. According to MarketBeat.com, the company currently has an average rating of “Moderate Buy” and an average target price of $1,553.69.
Read Our Latest Analysis on Fair Isaac
Insider Activity In other news, Director Eva Manolis sold 967 shares of Fair Isaac stock in a transaction that occurred on Wednesday, July 29th. The shares were sold at an average price of $1,400.00, for a total transaction of $1,353,800.00. Following the sale, the director owned 498 shares of the company’s stock, valued at approximately $697,200. The trade was a 66.01% decrease in their position. The transaction was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 3.02% of the stock is owned by corporate insiders.
About Fair Isaac (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
Read More Five stocks we like better than Fair Isaac The Path to $230 Billion: Broadcom Outlines the Next Phase of Its AI Growth Story NVIDIA’s Hugging Face Deal Raises a Bigger Question About Its AI Moat Now Dropping the Dough: Yum! Brands Strategically Trims the Fat These 3 Stock Charts Just Flashed the Dreaded Death Cross Pattern Want to see what other hedge funds are holding FICO? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Fair Isaac Corporation (NYSE:FICO – Free Report).
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Caisse de depot et placement du Quebec acquired a new stake in shares of Fair Isaac Corporation (NYSE:FICO – Free Report) during the 2nd quarter, according to the company in its most recent 13F filing with the SEC. The firm acquired 436 shares of the technology company’s stock, valued at approximately $521,000.
A number of other hedge funds also recently made changes to their positions in the stock. Gallagher Fiduciary Advisors LLC purchased a new position in Fair Isaac in the second quarter worth $269,000. Man Group plc bought a new position in Fair Isaac in the second quarter valued at $7,949,000. Councilmark Asset Management LLC purchased a new stake in Fair Isaac during the second quarter valued at about $540,000. Roberts Glore & Co. Inc. IL purchased a new stake in Fair Isaac during the second quarter valued at about $479,000. Finally, Jupiter Topco LLC bought a new stake in Fair Isaac during the second quarter worth about $33,080,000. 85.75% of the stock is owned by institutional investors.
Fair Isaac Stock Up 0.1% NYSE FICO opened at $1,154.38 on Monday. The company has a 50-day simple moving average of $1,174.41 and a two-hundred day simple moving average of $1,174.19. Fair Isaac Corporation has a 12-month low of $870.01 and a 12-month high of $1,998.01. The firm has a market cap of $24.93 billion, a price-to-earnings ratio of 33.34, a PEG ratio of 1.04 and a beta of 1.30.
Fair Isaac (NYSE:FICO – Get Free Report) last announced its quarterly earnings data on Wednesday, July 29th. The technology company reported $12.18 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $11.76 by $0.42. The firm had revenue of $674.19 million for the quarter, compared to analysts’ expectations of $679.17 million. Fair Isaac had a negative return on equity of 32.51% and a net margin of 34.05%.The company’s revenue for the quarter was up 25.7% compared to the same quarter last year. During the same period last year, the firm earned $8.57 earnings per share. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. Equities analysts expect that Fair Isaac Corporation will post 37.37 earnings per share for the current fiscal year. Insider Transactions at Fair Isaac In related news, Director Eva Manolis sold 967 shares of the firm’s stock in a transaction that occurred on Wednesday, July 29th. The stock was sold at an average price of $1,400.00, for a total transaction of $1,353,800.00. Following the transaction, the director directly owned 498 shares in the company, valued at $697,200. This trade represents a 66.01% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 3.02% of the stock is currently owned by insiders.
Analyst Ratings Changes A number of equities analysts have recently issued reports on the company. Royal Bank Of Canada cut their price objective on Fair Isaac from $2,400.00 to $1,525.00 and set an “outperform” rating for the company in a report on Thursday, July 30th. Jefferies Financial Group set a $1,675.00 price objective on Fair Isaac in a report on Monday, August 3rd. Bank of America dropped their target price on Fair Isaac from $1,550.00 to $1,400.00 and set a “buy” rating for the company in a research report on Tuesday, May 19th. Wall Street Zen lowered Fair Isaac from a “buy” rating to a “hold” rating in a research note on Sunday, June 28th. Finally, Barclays reduced their price target on shares of Fair Isaac from $1,950.00 to $1,700.00 and set an “overweight” rating on the stock in a research report on Monday, August 10th. Eleven research analysts have rated the stock with a Buy rating and five have issued a Hold rating to the company. According to MarketBeat, the company has a consensus rating of “Moderate Buy” and a consensus target price of $1,553.69.
Read Our Latest Stock Report on Fair Isaac
Fair Isaac Profile (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
Featured Articles Five stocks we like better than Fair Isaac Strike a Balance Between Growth and Stability With These 3 Names Ready to Rally Rubrik’s AI Security Bet Could Power the Next Leg Higher Apple’s Foldable iPhone Could Be a Catalyst, But Not a Cure-All Snowflake Is Up Nearly 50% in 2026—What Are Short Sellers Betting Against?
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Canada Pension Plan Investment Board purchased a new position in shares of Fair Isaac Corporation (NYSE:FICO – Free Report) in the second quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund purchased 1,454 shares of the technology company’s stock, valued at approximately $1,737,000.
Several other hedge funds also recently added to or reduced their stakes in FICO. Osterweis Capital Management Inc. purchased a new stake in Fair Isaac in the 2nd quarter worth about $1,544,000. Legal & General Group Plc purchased a new position in shares of Fair Isaac during the second quarter valued at approximately $173,157,000. The Manufacturers Life Insurance Company bought a new position in shares of Fair Isaac during the second quarter valued at approximately $13,838,000. Cibc World Market Inc. bought a new position in shares of Fair Isaac during the second quarter valued at approximately $510,000. Finally, Blue Whale Capital LLP purchased a new stake in shares of Fair Isaac in the second quarter worth approximately $37,809,000. 85.75% of the stock is currently owned by institutional investors.
Wall Street Analysts Forecast Growth A number of research firms have weighed in on FICO. Weiss Ratings lowered Fair Isaac from a “hold (c)” rating to a “hold (c-)” rating in a research note on Thursday, July 30th. Needham & Company LLC restated a “buy” rating and issued a $1,650.00 price target on shares of Fair Isaac in a report on Thursday, July 30th. Jefferies Financial Group set a $1,675.00 price target on shares of Fair Isaac in a research note on Monday, August 3rd. Wall Street Zen downgraded shares of Fair Isaac from a “buy” rating to a “hold” rating in a research note on Sunday, June 28th. Finally, Bank of America decreased their price objective on shares of Fair Isaac from $1,550.00 to $1,400.00 and set a “buy” rating for the company in a report on Tuesday, May 19th. Eleven investment analysts have rated the stock with a Buy rating and five have issued a Hold rating to the company. Based on data from MarketBeat.com, Fair Isaac has an average rating of “Moderate Buy” and an average price target of $1,553.69.
Check Out Our Latest Stock Report on FICO Insider Activity at Fair Isaac In other news, Director Eva Manolis sold 967 shares of the company’s stock in a transaction that occurred on Wednesday, July 29th. The shares were sold at an average price of $1,400.00, for a total value of $1,353,800.00. Following the completion of the sale, the director owned 498 shares of the company’s stock, valued at approximately $697,200. This represents a 66.01% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Corporate insiders own 3.02% of the company’s stock.
Fair Isaac Trading Up 0.1% Shares of Fair Isaac stock opened at $1,154.38 on Monday. The firm has a market cap of $24.93 billion, a P/E ratio of 33.34, a P/E/G ratio of 1.04 and a beta of 1.30. Fair Isaac Corporation has a 12 month low of $870.01 and a 12 month high of $1,998.01. The stock’s fifty day moving average price is $1,174.41 and its 200-day moving average price is $1,174.19.
Fair Isaac (NYSE:FICO – Get Free Report) last released its quarterly earnings data on Wednesday, July 29th. The technology company reported $12.18 earnings per share for the quarter, beating the consensus estimate of $11.76 by $0.42. Fair Isaac had a negative return on equity of 32.51% and a net margin of 34.05%.The firm had revenue of $674.19 million during the quarter, compared to the consensus estimate of $679.17 million. During the same period in the previous year, the company posted $8.57 earnings per share. The firm’s quarterly revenue was up 25.7% on a year-over-year basis. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. Analysts forecast that Fair Isaac Corporation will post 37.37 earnings per share for the current year.
Fair Isaac Company Profile (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
See Also Five stocks we like better than Fair Isaac Strike a Balance Between Growth and Stability With These 3 Names Ready to Rally Rubrik’s AI Security Bet Could Power the Next Leg Higher Apple’s Foldable iPhone Could Be a Catalyst, But Not a Cure-All Snowflake Is Up Nearly 50% in 2026—What Are Short Sellers Betting Against? Want to see what other hedge funds are holding FICO? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Fair Isaac Corporation (NYSE:FICO – Free Report).
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Callan Family Office LLC purchased a new stake in shares of Fair Isaac Corporation (NYSE:FICO – Free Report) in the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The fund purchased 705 shares of the technology company’s stock, valued at approximately $842,000.
Several other hedge funds and other institutional investors have also recently made changes to their positions in FICO. Great Lakes Advisors LLC grew its position in Fair Isaac by 5.7% during the first quarter. Great Lakes Advisors LLC now owns 112 shares of the technology company’s stock valued at $207,000 after buying an additional 6 shares during the period. San Luis Wealth Advisors LLC raised its position in Fair Isaac by 2.8% in the third quarter. San Luis Wealth Advisors LLC now owns 253 shares of the technology company’s stock worth $379,000 after acquiring an additional 7 shares during the period. Interchange Capital Partners LLC raised its position in Fair Isaac by 1.0% in the fourth quarter. Interchange Capital Partners LLC now owns 812 shares of the technology company’s stock worth $1,373,000 after acquiring an additional 8 shares during the period. Pinnacle Wealth Management Advisory Group LLC grew its position in shares of Fair Isaac by 4.9% during the 4th quarter. Pinnacle Wealth Management Advisory Group LLC now owns 172 shares of the technology company’s stock valued at $291,000 after acquiring an additional 8 shares during the period. Finally, Pinnacle Associates Ltd. grew its position in shares of Fair Isaac by 4.9% during the 4th quarter. Pinnacle Associates Ltd. now owns 172 shares of the technology company’s stock valued at $291,000 after acquiring an additional 8 shares during the period. Hedge funds and other institutional investors own 85.75% of the company’s stock.
Insider Buying and Selling at Fair Isaac In related news, Director Eva Manolis sold 967 shares of the stock in a transaction dated Wednesday, July 29th. The stock was sold at an average price of $1,400.00, for a total transaction of $1,353,800.00. Following the completion of the sale, the director owned 498 shares in the company, valued at approximately $697,200. This trade represents a 66.01% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which can be accessed through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 3.02% of the stock is currently owned by company insiders.
Fair Isaac Stock Performance FICO opened at $1,165.63 on Tuesday. Fair Isaac Corporation has a fifty-two week low of $870.01 and a fifty-two week high of $1,998.01. The firm’s fifty day moving average is $1,172.94 and its 200 day moving average is $1,180.67. The stock has a market cap of $25.18 billion, a price-to-earnings ratio of 33.67, a price-to-earnings-growth ratio of 1.05 and a beta of 1.30. Fair Isaac (NYSE:FICO – Get Free Report) last issued its earnings results on Wednesday, July 29th. The technology company reported $12.18 earnings per share for the quarter, topping the consensus estimate of $11.76 by $0.42. The company had revenue of $674.19 million during the quarter, compared to the consensus estimate of $679.17 million. Fair Isaac had a net margin of 34.05% and a negative return on equity of 32.51%. Fair Isaac’s quarterly revenue was up 25.7% compared to the same quarter last year. During the same quarter in the prior year, the firm posted $8.57 EPS. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. On average, equities research analysts predict that Fair Isaac Corporation will post 37.37 earnings per share for the current year.
Analyst Upgrades and Downgrades A number of brokerages recently commented on FICO. UBS Group decreased their target price on Fair Isaac from $1,200.00 to $1,130.00 and set a “neutral” rating on the stock in a report on Wednesday, August 12th. Needham & Company LLC reissued a “buy” rating and set a $1,650.00 price target on shares of Fair Isaac in a report on Thursday, July 30th. Wells Fargo & Company raised their price objective on Fair Isaac from $1,400.00 to $1,450.00 and gave the stock an “overweight” rating in a research note on Thursday, July 30th. Barclays lowered their price objective on Fair Isaac from $1,950.00 to $1,700.00 and set an “overweight” rating on the stock in a research report on Monday, August 10th. Finally, Weiss Ratings downgraded Fair Isaac from a “hold (c)” rating to a “hold (c-)” rating in a research note on Thursday, July 30th. Eleven investment analysts have rated the stock with a Buy rating and five have given a Hold rating to the company’s stock. According to data from MarketBeat, the company currently has a consensus rating of “Moderate Buy” and an average price target of $1,553.69.
Get Our Latest Analysis on FICO
Fair Isaac Company Profile (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
Recommended Stories Five stocks we like better than Fair Isaac Visa Just Put Hims & Hers in the Penalty Box—Here’s Why It Matters Treasury Yields Are Surging Again: 3 Stocks That Could Feel the Pain Snowflake Could Be Headed for New Highs Despite Insider Selling MongoDB Is Surging—And the Next Catalyst Is Almost Here Want to see what other hedge funds are holding FICO? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Fair Isaac Corporation (NYSE:FICO – Free Report).
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BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO released its Fall '26 FICO® Score Credit Insights report, showing the average U.S. FICO Score held steady at 714 as consumers show resilience.
It has been about a month since the last earnings report for Fair Isaac (FICO - Free Report) . Shares have added about 1.5% in that time frame, underperforming the S&P 500.
But investors have to be wondering, will the recent positive trend continue leading up to its next earnings release, or is Fair Isaac due for a pullback? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at the most recent earnings report in order to get a better handle on the important drivers.
Fair Isaac Q3 Earnings Beat Estimates on Scores, Revenues Up Y/YFair Isaac Corporation reported third-quarter fiscal 2026 non-GAAP earnings of $12.18 per share, up 42.1% year over year and 1.33% above the Zacks Consensus Estimate.
Revenues rose 25.7% to $674.19 million but missed the consensus mark by 0.75%. The quarter benefited from strong business-to-business Scores demand, led by mortgage pricing, while software growth remained modest. Software annual recurring revenues reached $816 million, up 10% year over year, as platform ARR advanced 62%.
FICO Scores Segment Extends LeadScores revenues increased 41% year over year to $458.9 million. Business-to-business revenues climbed 49% year over year, mainly due to a higher mortgage origination score unit price, while business-to-consumer revenues grew 5% year over year on higher royalties from scores sold indirectly through credit reporting agencies.
Mortgage origination revenues surged 97% year over year, with volumes rising in the low-single digits. Mortgage originations accounted for 71% of B2B revenues and 62% of total Scores revenues. Auto originations revenues increased 15% year over year, while credit card, personal loan, and other originations revenues rose 9%.
The FICO Score 10T Adopter Program expanded to 70 lenders and represented $587 billion in eligible annual originations and $1.87 trillion in eligible annual servicing. FICO also signed direct licensing agreements with resellers representing about 60% of U.S. mortgage volume and remained in discussions that could bring coverage closer to 90%.
Fair Isaac Software Mix Shifts to PlatformSoftware revenues edged up 2% year over year to $215.3 million. On a year-over-year basis, SaaS revenues grew 21%, while on-premises revenues declined 16% and professional services revenues fell 24%. Excluding point-in-time and professional services revenues, the segment grew 10% year over year.
Platform revenues jumped 66% and exceeded non-platform revenues for the first time. Platform ARR reached $413 million and represented 51% of total software ARR. Platform dollar-based net retention was 148% compared with 82% for non-platform software, lifting the total retention rate to 109%.
Trailing 12-month software annual contract value bookings rose 39% year over year to $128 million. FICO also expanded its Accenture collaboration to support platform distribution and expects the next-generation FICO Platform, including its enterprise fraud solution, to become generally available later in calendar 2026.
FICO Margins Expand Despite Higher CostsTotal operating expenses increased 13.8% year over year to $311.6 million. Research and development expenses rose 13.8% year over year to $53.7 million, while selling, general and administrative expenses increased 22.8% year over year to $170.8 million.
Operating income increased 38.1% year over year to $362.6 million. The non-GAAP operating margin expanded to 62% from 57% a year earlier, an improvement of 479 basis points. Management noted that strong B2B Scores growth was partly offset by higher personnel and interest expenses.
Fair Isaac’s Balance Sheet and Cash FlowAs of June 30, 2026, FICO had $248.4 million in cash and cash equivalents compared with $219.4 million as of March 31, 2026. Total debt was $5.58 billion.
Net cash from operating activities was $380.4 million, up from $286.2 million in the prior-year quarter. Free cash flow increased to $370.3 million from $276.2 million. Trailing 12-month free cash flow totaled $961 million, up 28%.
FICO repurchased 1.705 million shares for $1.96 billion at an average price of $1,149 per share, marking its largest quarterly repurchase in dollar terms.
FICO Raises Fiscal 2026 OutlookManagement lifted fiscal 2026 revenue guidance to $2.53 billion from $2.45 billion. GAAP net income is now expected to be $850 million, with GAAP earnings projected to be $36.86 per share.
Non-GAAP net income guidance increased to $979 million from $946 million, while non-GAAP earnings guidance rose to $42.43 per share from $40.45. The updated view reflects continued Scores momentum and software-platform execution.
Fourth-quarter operating expenses are expected to be modestly higher sequentially because of marketing tied to the Accenture partnership and anticipated one-time restructuring charges. Elevated interest rates and affordability pressures also continue to keep mortgage originations below historical norms.
How Have Estimates Been Moving Since Then?Since the earnings release, investors have witnessed a downward trend in estimates review.
The consensus estimate has shifted -6.74% due to these changes.
VGM ScoresAt this time, Fair Isaac has a great Growth Score of A, though it is lagging a lot on the Momentum Score front with a D. Following the exact same course, the stock was allocated a grade of D on the value side, putting it in the bottom 40% for this investment strategy.
Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in.
OutlookEstimates have been broadly trending downward for the stock, and the magnitude of these revisions indicates a downward shift. Interestingly, Fair Isaac has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months.
Performance of an Industry PlayerFair Isaac is part of the Zacks Computers - IT Services industry. Over the past month, CoStar Group (CSGP - Free Report) , a stock from the same industry, has gained 6.4%. The company reported its results for the quarter ended June 2026 more than a month ago.
CoStar reported revenues of $925 million in the last reported quarter, representing a year-over-year change of +18.4%. EPS of $0.32 for the same period compares with $0.17 a year ago.
CoStar is expected to post earnings of $0.33 per share for the current quarter, representing a year-over-year change of +43.5%. Over the last 30 days, the Zacks Consensus Estimate has changed -4.8%.
CoStar has a Zacks Rank #3 (Hold) based on the overall direction and magnitude of estimate revisions. Additionally, the stock has a VGM Score of C.
Biondo Investment Advisors LLC purchased a new position in Fair Isaac Corporation (NYSE:FICO – Free Report) in the 2nd quarter, according to its most recent filing with the Securities and Exchange Commission. The firm purchased 9,295 shares of the technology company’s stock, valued at approximately $11,105,000.
A number of other large investors have also added to or reduced their stakes in FICO. Bayban purchased a new position in shares of Fair Isaac in the fourth quarter worth $25,000. Physician Wealth Advisors Inc. grew its position in Fair Isaac by 166.7% during the fourth quarter. Physician Wealth Advisors Inc. now owns 16 shares of the technology company’s stock valued at $27,000 after buying an additional 10 shares during the period. Western Wealth Management LLC bought a new stake in shares of Fair Isaac during the 1st quarter valued at $29,000. Torren Management LLC purchased a new position in shares of Fair Isaac during the 4th quarter valued at about $30,000. Finally, Keating Financial Advisory Services Inc. purchased a new stake in shares of Fair Isaac in the second quarter worth $30,000. Hedge funds and other institutional investors own 85.75% of the company’s stock.
Insider Transactions at Fair Isaac In other Fair Isaac news, Director Eva Manolis sold 967 shares of the firm’s stock in a transaction on Wednesday, July 29th. The stock was sold at an average price of $1,400.00, for a total value of $1,353,800.00. Following the sale, the director directly owned 498 shares in the company, valued at $697,200. This trade represents a 66.01% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 3.02% of the stock is owned by corporate insiders.
Fair Isaac Stock Performance Fair Isaac stock opened at $1,174.20 on Monday. The company’s 50 day simple moving average is $1,173.21 and its 200-day simple moving average is $1,181.79. Fair Isaac Corporation has a 1 year low of $870.01 and a 1 year high of $1,998.01. The company has a market capitalization of $25.36 billion, a price-to-earnings ratio of 33.92, a price-to-earnings-growth ratio of 1.05 and a beta of 1.30. Fair Isaac (NYSE:FICO – Get Free Report) last released its quarterly earnings results on Wednesday, July 29th. The technology company reported $12.18 EPS for the quarter, topping the consensus estimate of $11.76 by $0.42. Fair Isaac had a negative return on equity of 32.51% and a net margin of 34.05%.The business had revenue of $674.19 million during the quarter, compared to analyst estimates of $679.17 million. During the same period last year, the business posted $8.57 earnings per share. The company’s quarterly revenue was up 25.7% on a year-over-year basis. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. Equities analysts expect that Fair Isaac Corporation will post 37.37 earnings per share for the current year.
Analysts Set New Price Targets Several research analysts have commented on FICO shares. Wall Street Zen downgraded shares of Fair Isaac from a “buy” rating to a “hold” rating in a report on Sunday, June 28th. Weiss Ratings cut Fair Isaac from a “hold (c)” rating to a “hold (c-)” rating in a research note on Thursday, July 30th. JPMorgan Chase & Co. decreased their target price on Fair Isaac from $1,325.00 to $1,225.00 and set a “neutral” rating for the company in a research report on Thursday, April 30th. UBS Group decreased their price objective on Fair Isaac from $1,200.00 to $1,130.00 and set a “neutral” rating for the company in a research note on Wednesday, August 12th. Finally, Raymond James Financial restated an “outperform” rating and set a $1,750.00 price target on shares of Fair Isaac in a research note on Wednesday, April 29th. Eleven research analysts have rated the stock with a Buy rating and five have assigned a Hold rating to the company. According to MarketBeat, the company has a consensus rating of “Moderate Buy” and an average price target of $1,553.69.
View Our Latest Report on FICO
Fair Isaac Company Profile (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
Further Reading Five stocks we like better than Fair Isaac VIG, VYM, and VYMI: Which Vanguard Dividend ETF Is Right for You? 3 Closed-End Funds to Maximize Dividend Payments Rocket Lab’s Sell-Off Is Fading—Is It Finally Safe to Buy? $27 Billion in Buybacks: 3 Stocks Betting Their Strong Runs Aren’t Over
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Bank of New York Mellon Corp purchased a new position in shares of Fair Isaac Corporation (NYSE:FICO – Free Report) in the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The firm purchased 127,519 shares of the technology company’s stock, valued at approximately $152,357,000. Bank of New York Mellon Corp owned about 0.59% of Fair Isaac at the end of the most recent quarter.
Several other institutional investors and hedge funds have also bought and sold shares of FICO. Brighton Jones LLC grew its stake in shares of Fair Isaac by 168.7% during the 4th quarter. Brighton Jones LLC now owns 481 shares of the technology company’s stock worth $958,000 after purchasing an additional 302 shares during the period. Great Lakes Advisors LLC lifted its stake in shares of Fair Isaac by 5.7% in the 1st quarter. Great Lakes Advisors LLC now owns 112 shares of the technology company’s stock valued at $207,000 after purchasing an additional 6 shares during the period. Woodline Partners LP lifted its stake in shares of Fair Isaac by 46.1% in the 1st quarter. Woodline Partners LP now owns 2,138 shares of the technology company’s stock valued at $3,943,000 after purchasing an additional 675 shares during the period. Treasurer of the State of North Carolina boosted its holdings in Fair Isaac by 18.0% during the second quarter. Treasurer of the State of North Carolina now owns 14,037 shares of the technology company’s stock worth $25,659,000 after buying an additional 2,146 shares in the last quarter. Finally, Alliancebernstein L.P. boosted its holdings in Fair Isaac by 16.1% during the second quarter. Alliancebernstein L.P. now owns 211,947 shares of the technology company’s stock worth $387,431,000 after buying an additional 29,408 shares in the last quarter. 85.75% of the stock is currently owned by institutional investors and hedge funds.
Insider Activity In other news, Director Eva Manolis sold 967 shares of Fair Isaac stock in a transaction that occurred on Wednesday, July 29th. The stock was sold at an average price of $1,400.00, for a total value of $1,353,800.00. Following the sale, the director directly owned 498 shares of the company’s stock, valued at $697,200. The trade was a 66.01% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which is available at this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 3.02% of the stock is owned by corporate insiders.
Fair Isaac Stock Up 0.1% FICO opened at $1,174.20 on Monday. The company has a market cap of $25.36 billion, a PE ratio of 33.92, a price-to-earnings-growth ratio of 1.05 and a beta of 1.30. Fair Isaac Corporation has a twelve month low of $870.01 and a twelve month high of $1,998.01. The company has a 50-day moving average price of $1,173.21 and a 200 day moving average price of $1,181.79. Fair Isaac (NYSE:FICO – Get Free Report) last posted its quarterly earnings data on Wednesday, July 29th. The technology company reported $12.18 earnings per share (EPS) for the quarter, topping the consensus estimate of $11.76 by $0.42. Fair Isaac had a negative return on equity of 32.51% and a net margin of 34.05%.The company had revenue of $674.19 million for the quarter, compared to analysts’ expectations of $679.17 million. During the same period in the previous year, the firm posted $8.57 EPS. Fair Isaac’s revenue was up 25.7% compared to the same quarter last year. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. As a group, sell-side analysts expect that Fair Isaac Corporation will post 37.37 earnings per share for the current year.
Wall Street Analysts Forecast Growth Several research firms have recently issued reports on FICO. Barclays lowered their target price on shares of Fair Isaac from $1,950.00 to $1,700.00 and set an “overweight” rating on the stock in a research note on Monday, August 10th. Bank of America reduced their price target on Fair Isaac from $1,550.00 to $1,400.00 and set a “buy” rating for the company in a report on Tuesday, May 19th. Royal Bank Of Canada lowered their price target on Fair Isaac from $2,400.00 to $1,525.00 and set an “outperform” rating on the stock in a research report on Thursday, July 30th. JPMorgan Chase & Co. dropped their price objective on Fair Isaac from $1,325.00 to $1,225.00 and set a “neutral” rating on the stock in a report on Thursday, April 30th. Finally, Raymond James Financial restated an “outperform” rating and issued a $1,750.00 price objective on shares of Fair Isaac in a research report on Wednesday, April 29th. Eleven research analysts have rated the stock with a Buy rating and five have issued a Hold rating to the company’s stock. According to MarketBeat, the stock has an average rating of “Moderate Buy” and a consensus target price of $1,553.69.
Get Our Latest Stock Analysis on FICO
About Fair Isaac (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
Read More Five stocks we like better than Fair Isaac VIG, VYM, and VYMI: Which Vanguard Dividend ETF Is Right for You? 3 Closed-End Funds to Maximize Dividend Payments Rocket Lab’s Sell-Off Is Fading—Is It Finally Safe to Buy? $27 Billion in Buybacks: 3 Stocks Betting Their Strong Runs Aren’t Over
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LONDON--(BUSINESS WIRE)--As summer spending rose in June, credit card data analysis for June 2026 by global analytics software leader FICO (NYSE: FICO) underlines the financial pressures facing UK households. Falling payments contributed to an annual increase in accounts with one, two and three missed payments. And with average balances across all three delinquent categories rising month-on-month, risk teams will need to maintain heightened monitoring for signs of pressure on affordability. Hig.
Empowered Funds LLC grew its position in Fair Isaac Corporation (NYSE:FICO – Free Report) by 144.5% in the first quarter, according to the company in its most recent disclosure with the SEC. The firm owned 6,380 shares of the technology company’s stock after acquiring an additional 3,771 shares during the period. Empowered Funds LLC’s holdings in Fair Isaac were worth $6,811,000 at the end of the most recent quarter.
Several other hedge funds have also modified their holdings of the company. Bayban acquired a new position in Fair Isaac in the 4th quarter worth about $25,000. Physician Wealth Advisors Inc. grew its holdings in Fair Isaac by 166.7% in the fourth quarter. Physician Wealth Advisors Inc. now owns 16 shares of the technology company’s stock valued at $27,000 after purchasing an additional 10 shares during the period. Western Wealth Management LLC acquired a new stake in Fair Isaac in the first quarter valued at approximately $29,000. Torren Management LLC purchased a new stake in shares of Fair Isaac in the fourth quarter valued at approximately $30,000. Finally, Elyxium Wealth LLC purchased a new stake in shares of Fair Isaac in the fourth quarter valued at approximately $42,000. 85.75% of the stock is owned by hedge funds and other institutional investors.
Fair Isaac Price Performance Shares of Fair Isaac stock opened at $1,084.65 on Friday. The business has a 50 day simple moving average of $1,181.07 and a two-hundred day simple moving average of $1,197.39. Fair Isaac Corporation has a 12 month low of $870.01 and a 12 month high of $1,998.01. The stock has a market capitalization of $23.43 billion, a P/E ratio of 31.33, a PEG ratio of 0.97 and a beta of 1.30.
Fair Isaac (NYSE:FICO – Get Free Report) last issued its quarterly earnings results on Wednesday, July 29th. The technology company reported $12.18 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $11.76 by $0.42. Fair Isaac had a negative return on equity of 32.51% and a net margin of 34.05%.The firm had revenue of $674.19 million for the quarter, compared to analyst estimates of $679.17 million. During the same period in the previous year, the company posted $8.57 earnings per share. The business’s revenue was up 25.7% on a year-over-year basis. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. As a group, research analysts anticipate that Fair Isaac Corporation will post 37.37 EPS for the current fiscal year.
Analyst Ratings Changes A number of research analysts have recently issued reports on the company. Barclays decreased their target price on Fair Isaac from $1,950.00 to $1,700.00 and set an “overweight” rating on the stock in a research report on Monday, August 10th. Royal Bank Of Canada cut their price target on shares of Fair Isaac from $2,400.00 to $1,525.00 and set an “outperform” rating for the company in a report on Thursday, July 30th. Wall Street Zen cut shares of Fair Isaac from a “buy” rating to a “hold” rating in a research report on Sunday, June 28th. Needham & Company LLC reaffirmed a “buy” rating and set a $1,650.00 price objective on shares of Fair Isaac in a report on Thursday, July 30th. Finally, Wells Fargo & Company lifted their target price on shares of Fair Isaac from $1,400.00 to $1,450.00 and gave the company an “overweight” rating in a research report on Thursday, July 30th. Eleven equities research analysts have rated the stock with a Buy rating and five have issued a Hold rating to the company’s stock. Based on data from MarketBeat, the company has a consensus rating of “Moderate Buy” and a consensus target price of $1,571.29.
Check Out Our Latest Stock Analysis on FICO
Insiders Place Their Bets In other Fair Isaac news, Director Eva Manolis sold 967 shares of Fair Isaac stock in a transaction on Wednesday, July 29th. The shares were sold at an average price of $1,400.00, for a total transaction of $1,353,800.00. Following the sale, the director owned 498 shares of the company’s stock, valued at $697,200. The trade was a 66.01% decrease in their position. The sale was disclosed in a document filed with the SEC, which is available through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders own 3.02% of the company’s stock.
Fair Isaac Company Profile (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
Further Reading Five stocks we like better than Fair Isaac Is Best Buy the AI Winner Hiding in the Electronics Aisle? Applied Materials Beat Everything but Wall Street’s Expectations for Margins Back From Orbit, Intuitive Machines’ Share Price Enters the Buy Zone Texas Roadhouse and Brinker International Have the Recipe Rivals Are Missing Want to see what other hedge funds are holding FICO? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Fair Isaac Corporation (NYSE:FICO – Free Report).
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BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Informative Research joins FICO Mortgage Direct License Program, advancing efforts to lower costs and improve access to FICO Scores for lenders.
On August 05, 2026, Fair Isaac Corp (FICO) shares rose 4.3%, closing at $1091.55. The stock has experienced significant volatility recently, trading within a 52
Seeds of Fortune Inc. Partners with FICO to Launch FICO Financial Empowerment Fellowship
, /PRNewswire/ -- Seeds of Fortune Inc. and Marsai's Way Foundation are deepening their partnership to advance financial empowerment, building on a successful inaugural year that reached more than 2,000 students with financial education, college readiness, and community engagement programming.
Seeds of Fortune Inc., a national nonprofit and education technology platform preparing students for college, career, and financial success through financial education, scholarships, and leadership development, will extend its impact through a partnership with FICO, a global analytics software leader widely known for the FICO® Score, used by 90% of top U.S. lenders.
Together, the organizations are launching the FICO Financial Empowerment Fellowship, a new initiative that prepares college students to become peer ambassadors. As part of the Fellowship, ambassadors will help fellow college students better understand the importance of building healthy credit, checking and monitoring their credit scores, and connecting with trusted financial institutions and educational resources that can help them establish strong financial foundations early in adulthood. The Fellowship will award ten $1,500 scholarships to college students who demonstrate leadership and a passion for financial empowerment. Selected Fellows will receive training in credit education, financial wellness, and community engagement before leading campus activations throughout the academic year.
Building on the momentum of the inaugural partnership with Marsai's Way Foundation, this second year represents a significant expansion of the initiative by combining celebrity influence, nonprofit expertise, and industry leadership to address one of the nation's largest financial education gaps.
"Financial empowerment is core to FICO's mission. Partnering with Seeds of Fortune and Marsai's Way Foundation shows what's possible when strength in numbers meets shared purpose — reach and impact multiply when the right partners come together," said Rukiya Kelly, Global Head of Corporate Impact & Engagement at FICO.
Throughout the partnership, students and families will participate in a series of educational experiences, including the Credit Starts at Home family workshops, digital financial education campaigns, campus-based Fellowship activations, and an exclusive Ask Marsai Anything virtual conversation where Marsai Martin will discuss financial wellness, career growth, and the importance of building healthy financial habits.
"Knowledge creates opportunity," said Marsai Martin. "We're excited to continue this journey with Seeds of Fortune and welcome FICO into the partnership. Together we're helping students build confidence around money, understand their financial future, and become leaders who can bring that knowledge back to their own communities."
Applications for the inaugural FICO Financial Empowerment Fellowship are currently open. The deadline to apply is September 21, 2026, with Fellows participating in programming throughout the fall before being recognized during the Resolution Brunch hosted by Marsai Martin in Atlanta on January 18, 2027.
For more information about the Fellowship, visit https://www.seedsoffortune.org/marsai.
About Seeds of Fortune Inc.
Seeds of Fortune Inc. is a national nonprofit organization and education technology platform that prepares students for college, career, and financial success through financial education, scholarships, leadership development, and workforce readiness programming. Since its founding, the organization has helped students secure more than $114 million in scholarships and grants while serving thousands of students nationwide.
About Marsai's Way Foundation
Marsai's Way Foundation empowers young people by creating opportunities that support leadership, education, wellness, and personal growth through transformative programming and partnerships.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Americké akciové trhy vstoupily do nového měsíce na pozitivní vlně. Hlavní indexy rostly o více než procento. Největší zásluhu na tom mají obnovené naděje na pozitivní posun v blokádě Hormuzu a růstový protipohyb na AI titulech.
Index Dow Jones +1,32 % na 53178,41 b.
S&P 500 +1,48 % na 7600,52 b.
Nasdaq Composite +2,13 % na 25913,9 b.
Index S&P 500 +1,48 % na 7600,52 b. Nejsilnější sektory S&P Změna Nejslabší sektory S&P Změna Komunikační služby +4,3 % Energie -1,2 % Zbytná spotřeba +2,7 % Nezbytná spotřeba -0,3 % Průmysl +1,9 % Zdravotní péče -0,2 % Nejsilnější akcie S&P Změna Nejslabší akcie S&P Změna First Solar (FSLR) +10 % Marriott International (MAR) -7,0 % Coherent Corp (COHR) +9,6 % Fair Isaac Corp (FICO) -6,9 % Lumentum Holdings (LITE) +9,2 % eBay (EBAY) -6,0 % Oracle Corp (ORCL) +9,2 % Monolithic Power Systems (MPWR) -5,7 % Axon Enterprise (AXON) +9,1 % CF Industries Holdings (CF) -5,5 %
Martin Varecha
Fio banka, a.s.
Prohlášení
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
#1 (Strong Buy) stocks have produced an unmatched +23.94% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Fair Isaac (FICO - Free Report) Fair Isaac Corporation, better known as FICO, offers analytical tools, software and solutions that help in making informed decisions.
FICO is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Additionally, the company could be a top pick for growth investors. FICO has a Growth Style Score of A, forecasting year-over-year earnings growth of 46.2% for the current fiscal year.
One analyst revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.05 to $43.68 per share. FICO also boasts an average earnings surprise of +6.4%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, FICO should be on investors' short list.
Listen below or on the go on Apple Podcasts and Spotify
This is an abridged transcript of the podcast:
Our top story so far, Situational Awareness, the AI-focused hedge fund founded by former OpenAI researcher Leopold Aschenbrenner, has sold a large portion of its stock portfolio to Ken Griffin's Citadel after suffering steep losses.
Reports say the hedge fund rapidly unloaded much of its roughly $16B public equity portfolio after taking heavy losses tied to concentrated AI-related positions.
The fund's holdings included South Korean chipmaker SK Hynix (SKHY) and other stocks caught up in the broader retreat from AI-related shares.
Situational is expected to continue operating, however, retaining significant private-company investments, including an Anthropic stake valued at about $5B.
The fund had grown rapidly over the past several months and generated a 439% return from the start of the year through the end of June, according to an investor letter. It was also said to have been using substantial leverage.
Founded about two years ago, Situational Awareness amassed more than $20B in assets under management, according to the Financial Times. Aschenbrenner became a prominent figure in Silicon Valley after publishing his 2024 essay Situational Awareness, which argued that artificial intelligence would dramatically reshape society.
Situational Awareness' largest disclosed holdings at the end of the first quarter included Nebius Group (NBIS), Sandisk (SNDK), Micron (MU) and CoreWeave (CRWV).
In a twist, all four stocks are rallying sharply today, with Sandisk, Nebius and CoreWeave up more than 20%, while Micron is higher by about 15%.
Among other active stocks, Arm (ARM) is rallying after posting solid Q1 results and issuing upbeat guidance.
J.P. Morgan analyst Harlan Sur said the "AGI merchant silicon CPU narrative continues to firm up just a few months after the Arm Everywhere event."
Fair Isaac (FICO) is tumbling after Q3 revenue missed consensus estimates.
CEO William Lansing said: "Elevated interest rates and ongoing affordability challenges continue to weigh on the mortgage market, keeping loan originations below historical norms."
Electronic fixed-income trading platform MarketAxess (MKTX) is surging after agreeing to a buyout offer from Intercontinental Exchange (ICE) at a 33% premium to its previous closing price.
And Jersey Mike's Subs (JMKE) opened, how to put this... sub its IPO price. The stock debuted at $21 after pricing at $23, right in the middle of its expected range.
Looking to the economy, Q2 GDP rose at a 1.5% annual rate, according to the initial estimate. That was well below the 2.3% consensus and down from 2.1% in Q1.
Growth in consumer spending, investment and exports was partly offset by a decline in government spending. Imports, which are subtracted from GDP, also increased during the quarter.
Olu Sonola, head of U.S. economics at Fitch Ratings, said: "AI investment remains a powerful growth story, but the import surge underpinning the buildout is a reminder that an AI boom does not automatically translate into an equally large boost to US GDP."
Meanwhile, the June core PCE price index rose 0.1%, a touch below the 0.2% consensus. The annual rate dipped to 3.3%, in line with forecasts.
Following the mixed data, the 30-year Treasury yield (US30Y) remained above 5.2%, a 17-year high reached shortly after Fed Chairman Kevin Warsh's press conference on Wednesday.
Warsh said: "Market participants are learning to play the ball, not the referee."
That echoes what former Bank of England Governor Mervyn King called the Maradona Effect, inspired by Diego Maradona's two famous goals against England in the 1986 World Cup.
One was the Hand of God, a foul that succeeded because no one saw it. The other was a brilliant 60-yard run past five defenders, who all reacted to what they expected Maradona to do rather than what he actually did. King's point was that when a central bank's reaction function is fully credible, markets tighten or loosen financial conditions themselves. No vote required. That's the good goal.
The question is which goal Warsh scored.
Economist Dario Perkins says Warsh is Maradona in the sense that he's being cagey and getting away with it.
Warsh probably wants to be Maradona, Perkins said, but the risk is that things get Messi instead. Not the outlaw genius, but the player expected to deliver the trophy, on schedule and under constant scrutiny.
Na konci obchodní seance již nedošlo k výraznějším změnám trendu. Výsledkem je, že indexy končí výrazně v zeleném. Růstu vévodil technologický sektor tlačený především čipovými společnostmi. Micron zakončil krásným obratem (+18,36 %) AMD přidalo (+13 %). Zároveň i ostatní technologické společnosti těžili z rapidního růstu Microsoftu, který potěšil silnými kvartálními výsledky. Proti tomuto proudu šla Meta, která skončila výprodejem (-7,98 %). Amazon po zavření přidává v aftermarketu již + 6 %
Do záporu se nakonec otočila ropa, přičemž WTI pokleslo o (-0,96 %). Cenné kovy těžily z informací o inflaci a zakončili růstově, zlato přidalo (+1,85 %).
Index Dow Jones +1,19 % na 52209,57 b.
S&P 500 +1,66 % na 7437,96 b.
Nasdaq Composite +2,78 % na 25122,18 b.
Index S&P 500 +1,66 % na 7437,96 b. Nejsilnější sektory S&P Změna Nejslabší sektory S&P Změna Informační technologie +5,2 % Komunikační služby -2,5 % Zbytná spotřeba +1,6 % Nezbytná spotřeba -2,2 % Průmysl +1 % Zdravotní péče -1,6 % Nejsilnější akcie S&P Změna Nejslabší akcie S&P Změna Sandisk Corp (SNDK) +26 % Fair Isaac Corp (FICO) -17 % EMCOR Group (EME) +19 % CH Robinson Worldwide (CHRW) -15 % Micron Technology (MU) +18 % Norwegian Cruise Line Holdings (NCLH) -9,8 % Lam Research Corp (LRCX) +18 % Altria Group (MO) -9,3 % Quanta Services (PWR) +17 % L3Harris Technologies (LHX) -8,6 %
Jan Pazourek, Fio banka, a.s.
Key Takeaways Fair Isaac beat Q3 earnings estimates as Scores demand drove 26% revenue growth and higher operating income. FICO raised fiscal 2026 revenues and non-GAAP earnings guidance on Scores momentum and platform execution. FICO's platform revenues rose 66%, topped non-platform revenues and platform ARR climbed 62% year over year. Fair Isaac Corporation (FICO - Free Report) reported third-quarter fiscal 2026 non-GAAP earnings of $12.18 per share, up 42.1% year over year and 1.33% above the Zacks Consensus Estimate.
Revenues rose 25.7% to $674.19 million but missed the consensus mark by 0.75%. The quarter benefited from strong business-to-business Scores demand, led by mortgage pricing, while software growth remained modest. Software annual recurring revenues reached $816 million, up 10% year over year, as platform ARR advanced 62%.
FICO Scores Segment Extends LeadScores revenues increased 41% year over year to $458.9 million. Business-to-business revenues climbed 49% year over year, mainly due to a higher mortgage origination score unit price, while business-to-consumer revenues grew 5% year over year on higher royalties from scores sold indirectly through credit reporting agencies.
Mortgage origination revenues surged 97% year over year, with volumes rising in the low-single digits. Mortgage originations accounted for 71% of B2B revenues and 62% of total Scores revenues. Auto originations revenues increased 15% year over year, while credit card, personal loan, and other originations revenues rose 9%.
The FICO Score 10T Adopter Program expanded to 70 lenders and represented $587 billion in eligible annual originations and $1.87 trillion in eligible annual servicing. FICO also signed direct licensing agreements with resellers representing about 60% of U.S. mortgage volume and remained in discussions that could bring coverage closer to 90%.
Fair Isaac Software Mix Shifts to PlatformSoftware revenues edged up 2% year over year to $215.3 million. On a year-over-year basis, SaaS revenues grew 21%, while on-premises revenues declined 16% and professional services revenues fell 24%. Excluding point-in-time and professional services revenues, the segment grew 10% year over year.
Platform revenues jumped 66% and exceeded non-platform revenues for the first time. Platform ARR reached $413 million and represented 51% of total software ARR. Platform dollar-based net retention was 148% compared with 82% for non-platform software, lifting the total retention rate to 109%.
Trailing 12-month software annual contract value bookings rose 39% year over year to $128 million. FICO also expanded its Accenture collaboration to support platform distribution and expects the next-generation FICO Platform, including its enterprise fraud solution, to become generally available later in calendar 2026.
FICO Margins Expand Despite Higher CostsTotal operating expenses increased 13.8% year over year to $311.6 million. Research and development expenses rose 13.8% year over year to $53.7 million, while selling, general and administrative expenses increased 22.8% year over year to $170.8 million.
Operating income increased 38.1% year over year to $362.6 million. The non-GAAP operating margin expanded to 62% from 57% a year earlier, an improvement of 479 basis points. Management noted that strong B2B Scores growth was partly offset by higher personnel and interest expenses.
Fair Isaac’s Balance Sheet and Cash FlowAs of June 30, 2026, FICO had $248.4 million in cash and cash equivalents compared with $219.4 million as of March 31, 2026. Total debt was $5.58 billion.
Net cash from operating activities was $380.4 million, up from $286.2 million in the prior-year quarter. Free cash flow increased to $370.3 million from $276.2 million. Trailing 12-month free cash flow totaled $961 million, up 28%.
FICO repurchased 1.705 million shares for $1.96 billion at an average price of $1,149 per share, marking its largest quarterly repurchase in dollar terms.
FICO Raises Fiscal 2026 OutlookManagement lifted fiscal 2026 revenue guidance to $2.53 billion from $2.45 billion. GAAP net income is now expected to be $850 million, with GAAP earnings projected to be $36.86 per share.
Non-GAAP net income guidance increased to $979 million from $946 million, while non-GAAP earnings guidance rose to $42.43 per share from $40.45. The updated view reflects continued Scores momentum and software-platform execution.
Fourth-quarter operating expenses are expected to be modestly higher sequentially because of marketing tied to the Accenture partnership and anticipated one-time restructuring charges. Elevated interest rates and affordability pressures also continue to keep mortgage originations below historical norms.
FICO’s Zacks Rank & Stocks to ConsiderFair Isaac currently carries a Zacks Rank #3 (Hold).
Some better-ranked stocks in the broader Zacks Computer and Technology sector include Arista Networks (ANET - Free Report) , ACI Worldwide (ACIW - Free Report) and Analog Devices (ADI - Free Report) . Each stock carries a Zacks Rank of 2 (Buy) at present. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Arista Networks shares have gained 20.6% in the year-to-date period. Arista Networks is set to report second-quarter 2026 results on Aug. 4.
Shares of ACI Worldwide have gained 25.9% in the year-to-date period. ACI Worldwide is set to report the second-quarter 2026 results on Aug. 6.
Shares of Analog Devices have rallied 30.3% in the year-to-date period. Analog Devices is slated to report fiscal third-quarter 2026 results on Aug. 19.
Index Dow Jones +0,69 % na 51948,4 b. S&P 500 +1,24 % na 7406,94 b. Nasdaq Composite +2,35 % na 25016,99 b.
Wall Street zaznamenává návrat k růstu, a to díky oživení u čipových společností, zatímco ekonomická data naznačila, že americká ekonomika zůstává v dobré kondici, ale nepřehřívá se. Pod tlakem jsou v úvodu zejména softwarové společnosti po nedávném růstu. Trhy taktéž vyčkávají na další várku výsledků, přičemž již dnes po uzavření trhů se můžeme těšit na čísla Applu a Amazonu. V popředí dnešního vývoje je růst Microsoftu (+14,5 %) po silných výsledcích a naopak pokles společnosti Meta Platforms (-9,1 %) poté, co výhled pro 3Q zklamal.
Své výsledky hospodaření zveřejnila další řada společností. Připravili jsme také reporty pro společnosti Samsung Electronics, Starbucks (+2,0 %), Lam Research (+20 %), Fortinet (+3,5 %) a QUALCOMM (-3,7 %).
Vůbec se nedaří akciím softwarové společnosti Fair Isaac Corp. (-15 %) po zveřejnění výsledků za 3Q FY 2026. Výnosy meziročně vzrostly o 26 % na 674,2 mil. USD, pod odhady 681,8 mil. USD. Očištěný zisk na akcii dosáhl 12,18 USD při konsensu 11,88 USD. Podle Bloombergu největší zklamání přišlo z nedostatečného navýšení celoročního výhledu. Společnost v aktuálním fiskálním roce očekává výnosy ve výši 2,53 mld. USD, což je sice navýšení z původního odhadu 2,45 mld. USD, ale pod odhady trhu 2,56 mld. USD. Očištěný zisk na akcii by měl dosáhnout 42,43 USD (dřívější výhled činil 40,45 USD), což však zaostalo za očekáváním 43,15 USD.
Výrazně také ztrácí akcie Carvana (-9,9 %). Tento internetový prodejce automobilů zveřejnil výsledky a celoroční výhled očištěného zisku, jehož střední hodnota zaostala za odhady analytiků. Ti označují výsledky za smíšené, zatímco podle JPMorgan může být výhled společnosti příliš konzervativní. Společnost očekává v celém roce očištěný zisk EBITDA v rozmezí 2,7 až 3,0 mld. USD. Trh projektoval 2,99 mld. USD.
Index S&P 500 +1,24 % na 7406,94 b. Nejsilnější sektory S&P Změna Nejslabší sektory S&P Změna Informační technologie +4,6 % Komunikační služby -3,1 % Zbytná spotřeba +1,6 % Zdravotní péče -2 % Průmysl +0,6 % Nezbytná spotřeba -2 % Nejsilnější akcie S&P Změna Nejslabší akcie S&P Změna Lam Research Corp (LRCX) +20 % Fair Isaac Corp (FICO) -15 % EMCOR Group (EME) +19 % CH Robinson Worldwide (CHRW) -13 % Sandisk Corp (SNDK) +19 % L3Harris Technologies (LHX) -10 % Baxter International (BAX) +16 % Carvana (CVNA) -9,9 % Western Digital Corp (WDC) +16 % Workday (WDAY) -9,2 % Zdroj: Bloomberg
Fair Isaac Corp (FICO) (Q3 2026) Earnings Call Highlights: Record Revenue and EPS Growth Fueled by Scores Segment Surge FICO delivered a standout quarter with total revenue up 26% and non-GAAP EPS up 42%, driven by a 41% jump in Scores segment revenue and a raised full-year outlook. + GuruFocus.com on
Summary
Revenue: Q3 revenues of $674 million, up 26% year-over-year.GAAP Net Income: $237 million, up 30% year-over-year.GAAP Earnings Per Share: $10.45, up 41% year-over-year.Non-GAAP Net Income: $277 million, up 31% year-over-year.Non-GAAP Earnings Per Share: $12.18, up 42% year-over-year.Free Cash Flow: $370 million in Q3; $961 million over the last four quarters, up 28%.Scores Segment Revenue: $459 million, up 41% year-over-year.Software Segment Revenue: $215 million, up 2% year-over-year.Platform Revenue Growth: 66% year-over-year.Non-Platform Revenue Decline: 25% year-over-year.Non-GAAP Operating Margin: 62% for the quarter, compared with 57% in the same quarter last year.Share Repurchases: Bought back $1.96 billion or 1.75 million shares at an average price of $1,149 per share.Fiscal 2026 Guidance (Raised): Revenue of $2.53 billion, GAAP net income of $850 million, GAAP EPS of $36.86, Non-GAAP net income of $979 million, Non-GAAP EPS of $42.43.
Release Date: July 29, 2026
For the complete transcript of the earnings call, please refer to the full earnings call transcript.
Positive Points Fair Isaac Corp FICO reported strong Q3 fiscal 2026 results with total revenues of $674 million, up 26% year-over-year, and non-GAAP EPS of $12.18, up 42%.The Scores segment delivered exceptional growth, with revenues up 41% year-over-year, driven by a 49% increase in B2B revenues, primarily from higher mortgage origination score unit prices.FICO's platform business achieved a key milestone, with platform ARR exceeding non-platform ARR for the first time, growing 62% year-over-year to $413 million, reflecting successful execution of the land-and-expand strategy.The FICO Score 10T adopter program has expanded to 70 lenders, representing about 55% of the volume from the top 50 mortgage originators, and independent analysis by Milliman confirmed its predictive advantage over VantageScore.The company raised its full-year fiscal 2026 guidance, now expecting revenues of $2.53 billion (up 20% YoY) and non-GAAP EPS of $42.43 (up 42% YoY), driven by strong execution and a better-than-expected mortgage market. Negative Points The mortgage market remains challenged by elevated interest rates and affordability issues, keeping loan originations below historical norms and causing a sequential decline in mortgage origination revenue.The Direct Licensing Program (DLP) for mortgage scores is still awaiting certification from one of the GSEs, delaying its go-live and the associated performance model pricing benefits.The VantageScore pilot program under the GSEs' Lender Choice policy is enabling score shopping, which could lead to market share erosion for FICO in the conforming mortgage market, with gaming expected to reach theoretical maximums in the 20% range.Software segment revenue growth was modest at 2% year-over-year, weighed down by a 25% decline in non-platform revenue due to product migrations and end-of-life initiatives, as well as lower point-in-time license revenue.Operating expenses increased 8% year-over-year in Q3, driven by marketing for FICO World and personnel costs, with Q4 expenses expected to be modestly higher due to front-loaded marketing for the Accenture partnership and restructuring charges. Q & A Highlights Here are the key highlights from the Fair Isaac Corp (FICO) Q3 2026 earnings call, presented as summarized Q&A pairs.
Q: Can you provide an update on the Direct Licensing Program (DLP) and the status of the performance model?
A: (Will Lansing, CEO) We are literally waiting on certification from one of the GSEs to go live. The operational setup is complete. We have signed agreements covering 60% of reseller volume and are very close to signing two additional major resellers. There is significant interest in the performance model from both lenders and resellers, as it will provide a lower price point and make us more competitive.
Q: Are you seeing any volume loss in mortgage scores due to the VantageScore gaining share under the "Lender's Choice" policy?
A: (Will Lansing, CEO) No, we are not seeing volume loss. The policy encourages "gaming," where lenders pull both scores to see which gives a better consumer rate. To game the system, you need both scores, so Vantage is additive, not a replacement. Our volumes are in line with what the bureaus are reporting. We believe the theoretical maximum for Vantage share is in the 20% range, which aligns with the percentage of times a consumer is advantaged by a higher Vantage score.
Q: What drove the significant revenue guidance raise for the full year?
A: (Steven Weber, CFO) The raise is driven by two factors. First, the mortgage market has held up better than we originally expected, with volumes better than our initial guidance. Second, we had planned for the DLP to go live, which would have pushed some revenue out. Since it hasn't launched yet, that revenue is staying in the current year.
Q: How should we think about the divergence between strong Platform ARR growth and declining Non-Platform ARR?
A: (Will Lansing, CEO) You should expect this divergence to continue. We are actively executing an end-of-life strategy for older legacy products and migrating customers to the superior platform. While we are not forcing migrations, we are now actively winding down some legacy offerings. The growth in platform is not just from cannibalization; our pipeline is expanding with new customers and use cases, but migrations are now a contributing factor.
Q: With the release of FICO Score 10T data by the GSEs, how do you see the competitive landscape evolving, especially with VantageScore in the mix?
A: (Will Lansing, CEO) FICO Score 10T is the most predictive score for credit default risk. If 10T is approved, we could end up with a three-score market (Classic, Vantage, 10T), which would create a "score shopping" environment. We currently bundle 10T with Classic for free to encourage adoption. The key difference is that FICO's predictive advantage comes from our decades of experience and model development, not from access to different data.
Q: How impactful will the new partnership with Accenture be for the FICO Platform's growth?
A: (Will Lansing, CEO) This is a significant strategic partnership. FICO has always been IP-rich but distribution-poor. Accenture will take our IP to market alongside their capabilities, giving us access to relationships we don't have. This is the beginning of growing our indirect business and monetizing our IP through partners, which will be a key driver for platform growth.
Q: What is the outlook for pricing in the non-mortgage segments like auto and credit card?
A: (Will Lansing, CEO) We are constantly exploring opportunities for revenue growth and are getting better at being surgical in our pricing to minimize market reaction. We are in the early stages of analysis for next year's pricing across all sectors, including mortgage, auto, and card. No final decisions have been made, and there is nothing to share at this time.
Q: Given the large share repurchase in Q3, what is the near-term plan for capital return?
A: (Steven Weber, CFO) In the near term, we will be using our strong free cash flow to pay down debt from the $1.5 billion term loan used to fund the accelerated share repurchase. It is unlikely we will buy additional shares this quarter. We delever quickly, and we will update the market on our capital allocation plans next quarter.
Q: Can you elaborate on the feedback from lenders regarding the performance model and the funding fee component of the DLP?
A: (Will Lansing, CEO) We have explored the performance model with lenders, and feedback is mixed. Some like it, and some don't. The model is particularly attractive for lenders who pull many scores per closed loan. It is not for everyone, but it is a key driver of interest in the DLP program.
Q: What is the next leg of monetization for the Scores business beyond mortgage?
A: (Will Lansing, CEO) We have significant opportunity in other verticals and with new scores. The next-generation story is Ultra FICO, which augments credit file data with consumer-permissioned cash flow data to score new populations. We are also working on FICO 11 in the lab. Since there are limits to how much signal can be derived from the credit file, we are focusing on other data sets to get more predictive power.
For the complete transcript of the earnings call, please refer to the full earnings call transcript.
This stock alert was generated using automated technology and GuruFocus financial data to provide readers with timely and accurate market reporting. This content was reviewed by GuruFocus editorial team prior to publication. Please send any questions or comments about this story to [email protected].
Fair Isaac (NYSE:FICO – Get Free Report) and Telos (NASDAQ:TLS – Get Free Report) are both computer and technology companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, risk, dividends, profitability, earnings, institutional ownership and valuation.
Analyst Recommendations This is a summary of recent ratings for Fair Isaac and Telos, as provided by MarketBeat.com.
Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Fair Isaac 0 5 10 0 2.67 Telos 1 2 3 0 2.33 Fair Isaac currently has a consensus target price of $1,627.93, suggesting a potential upside of 18.45%. Telos has a consensus target price of $7.10, suggesting a potential upside of 60.63%. Given Telos’ higher probable upside, analysts clearly believe Telos is more favorable than Fair Isaac.
Earnings and Valuation This table compares Fair Isaac and Telos”s top-line revenue, earnings per share (EPS) and valuation.
Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Fair Isaac $1.99 billion 16.01 $651.95 million $31.57 43.53 Telos $164.80 million 2.01 -$36.55 million ($0.35) -12.63 Fair Isaac has higher revenue and earnings than Telos. Telos is trading at a lower price-to-earnings ratio than Fair Isaac, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk Fair Isaac has a beta of 1.29, suggesting that its share price is 29% more volatile than the S&P 500. Comparatively, Telos has a beta of 0.98, suggesting that its share price is 2% less volatile than the S&P 500.
Institutional and Insider Ownership 85.8% of Fair Isaac shares are owned by institutional investors. Comparatively, 62.1% of Telos shares are owned by institutional investors. 3.0% of Fair Isaac shares are owned by insiders. Comparatively, 14.9% of Telos shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Profitability This table compares Fair Isaac and Telos’ net margins, return on equity and return on assets.
Net Margins Return on Equity Return on Assets Fair Isaac 33.67% -41.04% 37.92% Telos -14.25% -11.95% -8.45% Summary Fair Isaac beats Telos on 11 of the 14 factors compared between the two stocks.
About Fair Isaac (Get Free Report)
Fair Isaac Corporation develops analytic, software, and digital decisioning technologies and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates in two segments, Scores and Software. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, financial crimes compliance, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. It offers FICO Customer Analytics, FICO Responsible AI, FICO Advisors, FICO Business Outcome Simulator, FICO Forecaster, FICO TRIAD Customer Manager, FICO Blaze Advisor, FICO Xpress Optimization, FICO Falcon Fraud Manager, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Decision Optimizer, and FICO Strategy Director, as well as software implementation and configuration services. The company markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
About Telos (Get Free Report)
Telos Corporation, together with its subsidiaries, provides cyber, cloud, and enterprise security solutions worldwide. The company operates in two segments, Security Solutions and Secure Networks. It provides Xacta, a platform for enterprise cyber risk management and security compliance automation; and consulting, assessment and compliance, engineering and evaluation, operations, and penetration testing services. The company also offers Telos Automated Message Handling System, a web-based organizational message distribution and management for mission-critical communications used by military field operatives; and Telos Advanced Cyber Analytics solution, which is a threat feed source of global Internet Protocol addresses known to engage in potentially malicious activity, including mass scanning and generic opportunistic attacks; and Telos Ghost, a solution to eliminate cyberattack surfaces by obfuscating and encrypting data, masking user identity and location, and hiding network resources, as well as provides security and privacy for intelligence gathering, cyber threat protection, securing critical infrastructure, and protecting communications and applications. In addition, the company provides IDTrust360, an enterprise digital trusted identity risk platform for extending flexible hybrid cloud identity services; and ONYX, a touchless fingerprint biometric solution for mobile devices. Further, it offers secure mobility solutions that enable remote work and minimize operational and security concerns across and beyond the enterprise; and network management and defense services for operating, administrating, and defending complex enterprise networks and services for defensive cyber operations. It serves the United States federal government, large commercial businesses, state and local governments, and international customers. Telos Corporation was founded in 1968 and is headquartered in Ashburn, Virginia.
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3 Stocks Sending a Strong Signal With Massive BuybacksFair Isaac NYSE: FICO raised its fiscal 2026 outlook after reporting third-quarter revenue growth of 26%, supported by higher mortgage score pricing and continued expansion of its FICO Platform business.
The company reported third-quarter revenue of $674 million, while GAAP net income rose 30% year over year to $237 million. GAAP earnings per share increased 41% to $10.45. On a non-GAAP basis, net income was $277 million, up 31%, and earnings per share were $12.18, up 42%.
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MarketBeat Week in Review – 10/13 - 10/17 FICO generated $370 million in free cash flow during the quarter and $961 million over the trailing four quarters, a 28% increase from the prior four-quarter period. The company also accelerated its capital-return activity, repurchasing $1.96 billion of stock, or 1.75 million shares, at an average price of $1,149 per share, including an accelerated share repurchase program.
Scores Segment Drives Growth The Scores segment generated $459 million in revenue, up 41% from the prior-year quarter. Business-to-business Scores revenue rose 49%, primarily reflecting a higher mortgage-origination score unit price, according to CFO Steve Weber.
FICO’s Big Dip Could Be the Best Buying Chance of the YearMortgage-origination score volumes increased by low single digits year over year, while mortgage-origination revenue climbed 97%. Mortgage-originations revenue represented 71% of B2B Scores revenue and 62% of total Scores revenue during the quarter.
Auto-originations revenue increased 15% year over year. Credit card, personal loan and other originations revenue rose 9%. Business-to-consumer Scores revenue increased 5%. CEO Will Lansing said elevated interest rates and affordability pressures continue to weigh on the mortgage market, keeping originations below historical levels. He said mortgage activity slowed as rates increased during the quarter, though the market has held up better than FICO had initially expected for the year.
During the question-and-answer session, Lansing said the company was not seeing mortgage score volume losses associated with lenders using VantageScore in addition to FICO scores. He characterized the emerging environment as one that enables “score shopping,” where lenders may use multiple scores to identify the most favorable consumer outcome.
Lansing said FICO expects FICO Score 10T eventually could join Classic FICO and VantageScore in the mortgage market. The company currently bundles 10T with Classic FICO at no additional cost in its adopter program, though Lansing said final future pricing decisions have not been made.
Mortgage Initiatives Remain in Progress FICO highlighted progress around FICO Score 10T, including the release by Fannie Mae and Freddie Mac of expanded historical datasets that allow mortgage participants to evaluate the model using government-sponsored enterprise mortgage data. Lansing said an independent Milliman analysis found that FICO Score 10T outperformed VantageScore 4 across the statistical measures and origination years studied.
The company’s FICO Score 10T Adopter program has grown to 70 lenders and represents roughly 55% of volume from the top 50 mortgage originators, based on 2025 HMDA data, according to FICO. The company also said 10T is now integrated into Optimal Blue’s mortgage platform and LoanPass’s product pricing and eligibility platform.
FICO’s Mortgage Direct Licensing Program, however, remains pending certification from one of the GSEs. Lansing said the operational work is complete and the company is waiting for the certification needed to launch the program.
FICO has direct license agreements with partners and resellers representing about 60% of mortgage volume and said it is close to signing two additional major resellers. The company said those agreements would bring it closer to 90% of mortgage volume once finalized.
The program is intended to offer lenders a performance-based pricing model, including a funding-fee component. Lansing said lenders and resellers have shown significant interest, although the model is not yet available because the Direct Licensing Program has not gone live.
Platform Revenue Surpasses Non-Platform Revenue FICO’s Software segment reported revenue of $215 million, up 2% year over year. The result included 66% growth in Platform revenue and a 25% decline in non-platform revenue. Excluding point-in-time revenue and professional services revenue, Software segment revenue grew 10%, Weber said.
Platform annual recurring revenue increased 62% to $413 million and exceeded non-platform ARR of $403 million for the first time. Total Software ARR was $816 million, up 10% from a year earlier.
FICO said Platform ARR growth excluding migrations was in the mid-30% range, driven by new customer wins, additional use cases and higher volumes from existing customers. Platform net retention was 148%, while non-platform net retention was 82%. The company attributed the non-platform decline primarily to migrations and end-of-life products.
Software ACV bookings were $29 million in the quarter. Trailing 12-month ACV bookings reached $128 million, up 39% from the comparable prior-year period. Lansing said the company expects continued acceleration in bookings and continued divergence between Platform growth and the declining non-platform business as it migrates customers from older products.
FICO also expanded its collaboration with Accenture in July. Lansing said the partnership is intended to improve distribution of FICO’s intellectual property and combine FICO Platform with Accenture’s risk, artificial intelligence and industry capabilities. The company expects a phased geographic rollout.
Later in calendar 2026, FICO expects general availability of a next-generation FICO Platform that includes an enterprise fraud solution.
Guidance Raised FICO raised its full-year fiscal 2026 outlook, forecasting revenue of $2.53 billion, representing 20% growth from the prior year. The company now expects GAAP net income of $850 million and GAAP earnings per share of $36.86, increases of 30% and 39%, respectively.
Non-GAAP net income guidance was raised to $979 million, with non-GAAP earnings per share expected to reach $42.43, up 33% and 42%, respectively.
FICO reported a 62% non-GAAP operating margin in the third quarter, compared with 57% a year earlier. The company ended the quarter with $305 million in cash and marketable investments and $5.58 billion in total debt. Weber said FICO expects to use cash to reduce debt in the near term following the accelerated share repurchase, while continuing to view buybacks as an attractive use of capital beyond that period.
About Fair Isaac (NYSE:FICO)Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO's product portfolio centers on analytics and decisioning technologies.
This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].
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Fair Isaac (FICO - Free Report) reported $674.19 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 25.7%. EPS of $12.18 for the same period compares to $8.57 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $679.31 million, representing a surprise of -0.75%. The company delivered an EPS surprise of +1.33%, with the consensus EPS estimate being $12.02.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Fair Isaac performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Annual Recurring Revenue (ARR) - Platform: $412.8 million versus $370.22 million estimated by three analysts on average.Annual Recurring Revenue (ARR) - Total: $815.8 million versus the three-analyst average estimate of $812.78 million.Annual Recurring Revenue (ARR) - Non-Platform: $403 million compared to the $442.56 million average estimate based on three analysts.Revenues- Professional services: $18.32 million versus $23.54 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -24.3% change.Revenues- Software: $215.29 million compared to the $228.35 million average estimate based on three analysts. The reported number represents a change of +1.5% year over year.Revenues- Scores: $458.9 million versus the three-analyst average estimate of $458.27 million. The reported number represents a year-over-year change of +41.5%.Revenues- On-premises and SaaS software: $196.97 million versus the three-analyst average estimate of $204.8 million. The reported number represents a year-over-year change of +4.8%.Revenues- Scores- Business-to-consumer: $58.85 million versus $57.53 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +5.4% change.Revenues- Scores- Business-to-business: $400.04 million versus $402.34 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +49% change.View all Key Company Metrics for Fair Isaac here>>>
Shares of Fair Isaac have returned +11.8% over the past month versus the Zacks S&P 500 composite's +1.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Fair Isaac (FICO - Free Report) came out with quarterly earnings of $12.18 per share, beating the Zacks Consensus Estimate of $12.02 per share. This compares to earnings of $8.57 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +1.33%. A quarter ago, it was expected that this financial services company would post earnings of $11.03 per share when it actually produced earnings of $12.5, delivering a surprise of +13.33%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
Fair Isaac, which belongs to the Zacks Computers - IT Services industry, posted revenues of $674.19 million for the quarter ended June 2026, missing the Zacks Consensus Estimate by 0.75%. This compares to year-ago revenues of $536.41 million. The company has topped consensus revenue estimates three times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Fair Isaac shares have lost about 21% since the beginning of the year versus the S&P 500's gain of 8.5%.
What's Next for Fair Isaac?While Fair Isaac has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Fair Isaac was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $11.70 on $662.05 million in revenues for the coming quarter and $43.59 on $2.56 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Computers - IT Services is currently in the top 34% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
One other stock from the same industry, Dynatrace (DT - Free Report) , is yet to report results for the quarter ended June 2026. The results are expected to be released on August 5.
This software intellegence company is expected to post quarterly earnings of $0.45 per share in its upcoming report, which represents a year-over-year change of +7.1%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
Dynatrace's revenues are expected to be $549.3 million, up 15.1% from the year-ago quarter.
On July 29, 2026, Fair Isaac Corp (FICO) released its 8-K filing, announcing impressive third-quarter results for the fiscal year 2026. The company's performanc
BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a global analytics software leader, today announced results for its third fiscal quarter ended June 30, 2026. Third Quarter Fiscal 2026 GAAP Results Net income for the quarter totaled $237.2 million, or $10.45 per share, versus $181.8 million, or $7.40 per share, in the prior year period. Net cash provided by operating activities for the quarter was $380.4 million versus $286.2 million in the prior year period. Third Quarter Fiscal 2026 Non-GAA.
Global analytics software leader [url="]FICO[/url] (NYSE: FICO) has announced that [url="]Tech Mahindra[/url] (NSE: TECHM), a leading global provider of technol
BENGALURU, India--(BUSINESS WIRE)--Global analytics software leader FICO (NYSE: FICO) has announced that Tech Mahindra (NSE: TECHM), a leading global provider of technology consulting and digital solutions to enterprises across industries, has been named one of the winners of its second annual Global System Integrator (GSI) Partner Hackathon. Held at FICO's Bengaluru campus, the event invited leading GSI partners to compete in building real-world solutions to complex financial challenges using.
LONDON--(BUSINESS WIRE)--The latest credit card data analysis by global analytics software leader FICO (NYSE: FICO) highlights a typical decline in spending and increase in payment rates following the Easter period. However, year-on-year analysis shows delinquency rates for accounts with three missed payments have increased 17.1%. With seasonal spending expected to increase over the summer months, in part due to rising fuel prices, FICO urges heightened monitoring of late payments and pre-delin.
Key Takeaways FICO's Q3 revenues are expected to rise 26.64%, with earnings projected to grow 40.26% year over year.Higher mortgage pricing, healthy originations and Score 10T adoption may support FICO's Scores growth.FICO Platform ARR rose 49% to $349 million on customer wins, broader use cases and migrations. Fair Isaac Corporation (FICO - Free Report) is set to report its third-quarter 2026 results on July 29.
The Zacks Consensus Estimate for third-quarter 2026 revenues is pegged at $679.31 million, suggesting an increase of 26.64% from the reported figure in the year-ago quarter.
The consensus mark for third-quarter 2026 earnings is pegged at $12.02 per share, down by 0.25% over the past 30 days, while indicating 40.26% year-over-year growth.
The company’s earnings beat the Zacks Consensus Estimate in each of the trailing four quarters, delivering an average surprise of 8.78%.
Let us see how things have shaped up prior to this announcement.
Factors Likely to Impact FICO’s Q3 PerformanceFICO's third-quarter 2026 performance is likely to have been driven by continued strength in its Scores business, supported by higher mortgage pricing and healthy origination activity. Mortgage origination revenues surged 127% year over year in the second quarter of 2026, reflecting the benefit of higher pricing and stronger volumes.
The rollout of FICO Score 10T is expected to have provided another growth tailwind in the to-be-reported quarter. During the second quarter of 2026, the company added 11 lenders to its Early Adopter Program, bringing the total to 55 lenders that represent more than $495 billion in annual serviceable mortgage originations. Three of the five largest mortgage resellers have signed up for the Direct Licensing Program, with the remaining two expected to join pending final regulatory approval. These developments are likely to have supported broader adoption of FICO Score 10T in the to-be-reported quarter.
Fair Isaac’s software business is also likely to have benefited from continued momentum in the FICO Platform. Total software ARR increased 10% year over year to $789 million in the second quarter of 2026, while Platform ARR jumped 49% to $349 million. Platform revenues grew 54%, supported by new customer wins, expanded use cases among existing customers and migrations to the platform. Management noted that software bookings are expected to be stronger in the second half of fiscal 2026 than in the first half, reflecting a healthy sales pipeline. This momentum is expected to have continued in the to-be-reported quarter as well.
FICO’s investments in explainable artificial intelligence (AI) and decisioning software are expected to remain a positive catalyst. The company highlighted that the FICO Platform is "agentic-by-design," with more than 150 customers using it across multiple use cases. Management noted that FICO has been issued 137 AI-related patents and continues to invest in explainable AI capabilities for highly regulated industries, strengthening its competitive positioning as enterprise AI adoption accelerates.
However, delays in regulatory approvals for the FICO Score 10T Direct Licensing Program and uncertainty regarding the timing of its commercial rollout could affect the pace of adoption in the to-be-reported quarter. Management continues to assume conservative mortgage volume trends, while macroeconomic conditions and housing market activity remain variables that could influence quarterly performance.
What Our Model Says About FICOPer the Zacks model, the combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. But that is not the exact case here.
Fair Isaac currently has an Earnings ESP of -0.04% and a Zacks Rank #3. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Stocks to ConsiderHere are some companies worth considering, as our model shows that they have the right combination of elements to post an earnings beat in their upcoming releases.
Amphenol (APH - Free Report) has an Earnings ESP of +1.12% and a Zacks Rank #1 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
Amphenol shares have gained 16.5% year to date. Amphenol is scheduled to report its second-quarter 2026 results on July 29.
ASE Technology (ASX - Free Report) has an Earnings ESP of +21.21% and a Zacks Rank #2 at present.
ASE Technology shares have surged 145.1% year to date. ASE Technology is set to report its second-quarter 2026 results on July 30.
Fortive (FTV - Free Report) has an Earnings ESP of +2.82% and a Zacks Rank #2 at present.
Fortive shares have gained 9.8% in the year-to-date period. Fortive is set to report its second-quarter 2026 results on July 29.
Wall Street expects a year-over-year increase in earnings on higher revenues when Fair Isaac (FICO - Free Report) reports results for the quarter ended June 2026. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.
The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 29. On the other hand, if they miss, the stock may move lower.
While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
Zacks Consensus EstimateThis financial services company is expected to post quarterly earnings of $12.02 per share in its upcoming report, which represents a year-over-year change of +40.3%.
Revenues are expected to be $679.31 million, up 26.6% from the year-ago quarter.
Estimate Revisions TrendThe consensus EPS estimate for the quarter has been revised 0.47% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts.
Price, Consensus and EPS Surprise
Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction).
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for Fair Isaac?For Fair Isaac, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -0.04%.
On the other hand, the stock currently carries a Zacks Rank of #3.
So, this combination makes it difficult to conclusively predict that Fair Isaac will beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?While calculating estimates for a company's future earnings, analysts often consider to what extent it has been able to match past consensus estimates. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that Fair Isaac would post earnings of $11.03 per share when it actually produced earnings of $12.50, delivering a surprise of +13.33%.
Over the last four quarters, the company has beaten consensus EPS estimates four times.
Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
Fair Isaac doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
Andra AP fonden grew its stake in shares of Fair Isaac Corporation (NYSE:FICO – Free Report) by 424.4% in the first quarter, according to the company in its most recent filing with the SEC. The firm owned 8,600 shares of the technology company’s stock after acquiring an additional 6,960 shares during the quarter. Andra AP fonden’s holdings in Fair Isaac were worth $9,181,000 as of its most recent SEC filing.
A number of other hedge funds also recently modified their holdings of FICO. Bayban bought a new stake in Fair Isaac during the fourth quarter worth $25,000. Physician Wealth Advisors Inc. raised its holdings in shares of Fair Isaac by 166.7% during the 4th quarter. Physician Wealth Advisors Inc. now owns 16 shares of the technology company’s stock worth $27,000 after buying an additional 10 shares in the last quarter. Torren Management LLC bought a new stake in shares of Fair Isaac during the 4th quarter worth $30,000. Elyxium Wealth LLC bought a new position in Fair Isaac in the fourth quarter valued at about $42,000. Finally, Rakuten Securities Inc. raised its stake in Fair Isaac by 100.0% during the second quarter. Rakuten Securities Inc. now owns 24 shares of the technology company’s stock worth $44,000 after acquiring an additional 12 shares in the last quarter. Institutional investors own 85.75% of the company’s stock.
Analyst Upgrades and Downgrades FICO has been the subject of several research analyst reports. Raymond James Financial reiterated an “outperform” rating and set a $1,750.00 price target on shares of Fair Isaac in a report on Wednesday, April 29th. Barclays dropped their target price on Fair Isaac from $2,400.00 to $1,950.00 and set an “overweight” rating for the company in a research report on Friday, April 10th. Weiss Ratings upgraded Fair Isaac from a “hold (c-)” rating to a “hold (c)” rating in a report on Wednesday, July 15th. Wall Street Zen lowered shares of Fair Isaac from a “buy” rating to a “hold” rating in a report on Sunday, June 28th. Finally, Bank of America cut their target price on shares of Fair Isaac from $1,550.00 to $1,400.00 and set a “buy” rating on the stock in a research report on Tuesday, May 19th. Ten equities research analysts have rated the stock with a Buy rating and five have issued a Hold rating to the company. Based on data from MarketBeat, Fair Isaac has a consensus rating of “Moderate Buy” and a consensus price target of $1,627.93.
View Our Latest Analysis on Fair Isaac
Fair Isaac Trading Down 2.8% NYSE:FICO opened at $1,229.07 on Wednesday. Fair Isaac Corporation has a 12 month low of $870.01 and a 12 month high of $1,998.01. The stock has a market capitalization of $28.50 billion, a price-to-earnings ratio of 38.93, a PEG ratio of 1.12 and a beta of 1.29. The firm has a fifty day simple moving average of $1,204.37 and a two-hundred day simple moving average of $1,252.50.
Fair Isaac (NYSE:FICO – Get Free Report) last announced its quarterly earnings data on Tuesday, April 28th. The technology company reported $12.50 earnings per share for the quarter, beating the consensus estimate of $11.03 by $1.47. The firm had revenue of $691.68 million for the quarter, compared to analyst estimates of $630.21 million. Fair Isaac had a net margin of 33.67% and a negative return on equity of 41.04%. The business’s quarterly revenue was up 38.7% compared to the same quarter last year. During the same quarter in the prior year, the business earned $7.81 earnings per share. Fair Isaac has set its FY 2026 guidance at 40.450-40.450 EPS. Equities analysts predict that Fair Isaac Corporation will post 38 earnings per share for the current fiscal year.
Fair Isaac Company Profile (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
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BOZEMAN, Mont.--(BUSINESS WIRE)--Global analytics software leader FICO (NYSE: FICO), will announce its third quarter fiscal 2026 results on July 29, 2026, after the market closes and will host a conference call on July 29th at 5:00 p.m. Eastern time (4:00 p.m. Central/ 2:00 p.m. Pacific). This call will be webcast and can be accessed at FICO's website at www.fico.com/investors. A replay of the webcast will be available at our Event Calendar under Past Events through July 29, 2027. About FICO FI.
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.
Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.94% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Fair Isaac (FICO - Free Report) Fair Isaac Corporation, better known as FICO, offers analytical tools, software and solutions that help in making informed decisions.
FICO is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Additionally, the company could be a top pick for growth investors. FICO has a Growth Style Score of A, forecasting year-over-year earnings growth of 46% for the current fiscal year.
One analyst revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.07 to $43.63 per share. FICO also boasts an average earnings surprise of +8.8%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, FICO should be on investors' short list.
FICO’s Homeownership Survey shows that 74% of prospective buyers report being financially blocked from buying a home this year amid current interest rates and rising home prices
BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), global analytics software leader, today announced the results of the FICO Homeownership Survey, a new study that uncovers the financial barriers, knowledge opportunities and behavioral shifts impacting prospective homebuyers (defined as Americans who plan to buy a home in the next 12 months). From high home prices and rising interest rates, prospective buyers – especially first-time homebuyers – are facing multiple financial and economic stressors and as a result, report struggling to unlock their dreams of homeownership.
FICO’s Homeownership Survey shows most Americans who don’t own a home say homeownership feels out of reach
Share The research, conducted by The Harris Poll on behalf of FICO, also found that prospective homebuyers are eager for tools and financial education to help them feel more prepared to enter the market.
“Buying a home is one of the most significant financial decisions a person can make, yet for many Americans, rising home prices and interest rates are putting that goal further out of reach," said Jenelle Dito, vice president of consumer empowerment and partnership at FICO. “These economic pressures aren't just discouraging buyers — they're fundamentally changing how Americans plan and prepare for this milestone. Prospective buyers, especially those entering the market for the first time, are delaying plans, adjusting expectations and navigating a process that many find confusing.”
Key findings from the FICO Homeownership Survey include:
Homeownership Feels Out of Reach for Most Americans Who Don’t Own a Home: Americans most commonly say owning a home represents independence (57%) and financial stability (53%), while first-time homebuyers (defined as those who have never owned a home) most commonly see it as achieving a major life milestone (49%). Yet despite these aspirations, 62% of Americans who don’t currently own a home — and 57% of first-time homebuyers — say homeownership feels out of reach for them today. Just 15% of Americans plan to buy a home in the next 12 months. High Home Prices and Interest Rates Are the Top Barriers: Three quarters (74%) of prospective homebuyers, and 85% of first-time homebuyers, say financial obstacles have prevented them from buying a home this year, with high home prices (34%) and high interest rates (33%) ranking as the top two barriers. Financial pressures are causing 74% of prospective homebuyers — and 85% of first-time homebuyers — to delay or reconsider their plans to purchase in the next 12 months. Rising interest rates alone have influenced the home-buying decisions of 51% of all Americans, 73% of prospective homebuyers and 81% of first-time homebuyers, with many either exploring more affordable markets (18%, 30%, 34%, respectively) or pausing their plans altogether (20%, 30%, 26%, respectively). Confusion About the Homebuying Process and Credit Exist: Nearly 3 in 5 Americans (59%) say they don't completely understand the steps involved in buying a home — a figure that rises to 64% among first-time homebuyers. At the same time, the overwhelming majority (85%) of Americans view credit score management as a wealth-building strategy, not just a borrowing tool. And, while 84% of Americans claim to understand how their credit score affects mortgage eligibility, about 1 in 5 (22%) underestimate or are unsure of its impact on mortgage rates. This confusion may be influencing the financial inaction of Americans as 17% of prospective homebuyers haven't taken steps to improve their credit score ahead of a purchase, and more than a quarter (26%) haven't encouraged their co-applicant to do the same. “The path to homeownership starts with understanding your financial readiness, yet our research shows many Americans — particularly first-time buyers — are still navigating that process without clear guidance,” added Dito. “Consumers don’t need to wait to take action. By better understanding their FICO Score and the role it plays in mortgage access and affordability, they can start building a stronger foundation for homeownership.”
For more on FICO’s Homeownership Survey, click here: https://www.fico.com/blogs.
FICO has a longstanding commitment to empowering people and economies through financial literacy. In addition to this curriculum and live SABF Fundamentals workshops, FICO provides resources to help people enhance their financial literacy, understand credit and make empowered decisions. This includes in-person and webinar workshops, credit education materials and tools, as well as the myFICO website and app that enable consumers to check and monitor their FICO® Score for free.
For more information about FICO’s credit empowerment programs, visit https://www.fico.com/empowerment.
Survey Method
This survey was conducted online within the United States by The Harris Poll on behalf of FICO from June 4-8, 2026 among 3,047 U.S. adults ages 18 and older, among whom 449 plan to buy a home in the next 12 months, of which 175 are first-time homebuyers. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 2.7 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact [email protected].
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
Comprehensive new data and risk insights enable faster underwriting, onboarding, and portfolio monitoring
, /PRNewswire/ -- Verdata, a provider of small- and medium-sized business (SMB) data and risk insights for financial institutions and fintechs, today announced a strategic partnership with FICO, a global analytics software leader, through which Verdata's solutions will be available on FICO® Marketplace. As financial institutions, payment providers, and fintechs expand their SMB portfolios, they face growing pressure to make faster, more confident decisions with data that is often fragmented, outdated, or difficult to connect.
Through FICO® Marketplace, organizations can now access Verdata's actionable data and risk insights directly within their decisioning workflows. This enables teams to evaluate SMBs, monitor portfolio changes, and surface meaningful risk signals without relying on disconnected checks or new point-to-point integrations.
Verdata brings together 25M+ public, private, and consortium-based data records across firmographics, regulatory activity, business performance, financial indicators, principals, licensing, service reputation, and ongoing change signals. For lenders, payment providers, marketplaces, and other organizations, these insights help to significantly reduce manual review, identify changes sooner, and support stronger decisions across onboarding, underwriting, lead scoring, compliance, and portfolio monitoring.
"Financial institutions expanding their SMB portfolios need data they can act on," said Jason Andrew, chief revenue officer at FICO. "FICO Marketplace was built to eliminate the friction between insight and action with intelligent decisioning, and Verdata's SMB solutions deliver critical business context our customers need, directly within the workflows where decisions are made."
"All organizations serving small and medium-sized businesses face pressure to make faster and smarter decisions. Traditional data sources leave critical gaps like incomplete, outdated, or disconnected data elements," said Mike Mondelli, CEO of Verdata. "By adding Verdata's business intelligence to the FICO® Marketplace, we enable organizations to incorporate complete, current, and actionable data into their decisioning ecosystem, helping them evaluate businesses faster, act with confidence, and strengthen outcomes across the customer lifecycle."
FICO Marketplace is accessible directly within FICO® Platform and enables customers to leverage a catalog of offerings from trusted and pre-vetted providers. The marketplace reshapes how organizations gain value from AI by enabling rapid discovery and deployment of data, analytics and decisioning assets that fuel intelligent decisioning and drive better business outcomes.
To learn more, visit FICO® Marketplace.
About Verdata
Verdata is a small and medium-size business data and risk intelligence platform that helps organizations make clearer, faster, and more confident decisions across onboarding, underwriting, lead scoring, compliance, and portfolio monitoring. Leveraging its proprietary data consortium and unifying fragmented business data into an actionable intelligence layer, Verdata gives lenders, payment providers, marketplaces, and other organizations greater visibility into business identity, risk, and change.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com/en
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--More than a decade of loan-level performance data has been released to support evaluation and adoption of FICO Score 10T.
Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, but may initiate a beneficial Long position through a purchase of the stock, or the purchase of call options or similar derivatives in FICO over the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.
Joint initiative empowers the next generation with the knowledge and skills to achieve lasting financial wellbeing and independence
LONDON--(BUSINESS WIRE)--Global analytics software leader FICO (NYSE: FICO) brought its financial literacy mission to the U.K. for the first time through its partnership with Chelsea Foundation, building on its three-year relationship with Chelsea FC. A leader in financial education, FICO empowers consumers with knowledge and tools to better understand and manage their financial health.
FICO brought its financial literacy mission to the U.K. for the first time through its partnership with Chelsea Foundation, building on its three-year relationship with Chelsea FC.
ShareTogether, FICO and Chelsea Foundation harnessed the universal appeal of soccer to bring financial education to life for UK teens. Through this partnership, FICO and the Chelsea Foundation hosted their inaugural financial literacy event at Stamford Bridge on June 12th. The first of three events hosted 175 students. As part of the program, students worked in teams to learn how to manage a professional soccer club with a budget and balance sheet. FICO volunteers were on-site to assist students as they learned to manage operational costs, player salaries, expenses, and more.
The day concluded with financial strategy presentations to a panel of judges. Judges scored teams on financial decisions, teamwork, and communication, selecting top teams from each school. The afternoon culminated in a celebration where students toured the iconic Stamford Bridge stadium and met Chelsea FC Legend Jimmy Floyd Hasselbaink.
Mariel Zelhart, Head of Philanthropic Partnerships, Chelsea Foundation, commented: "We are delighted to partner with FICO to provide young people with valuable financial education in such an engaging and memorable way.
"At Chelsea Foundation, we are committed to creating opportunities that help young people develop the skills, knowledge, and confidence they need to thrive both now and in the future. Combining football with practical financial learning helps students to build a stronger understanding of money management, teamwork, and decision-making. We look forward to continuing our work with FICO and seeing the positive impact this partnership will have on the young people across our communities.”
The partnership between FICO and Chelsea Foundation builds on FICO's existing relationship with Chelsea FC. Together, they are extending that commitment beyond the pitch — bringing financial literacy education to UK youth and demonstrating the powerful role that understanding credit and personal finance plays in helping people achieve lasting financial wellbeing.
“Financial literacy is one of the most powerful tools we can give young people, yet millions of youth around the world still lack access to basic financial education,” said Rukiya Kelly, Global Head of Corporate Impact. “We take great pride in partnering with an organization as impactful as Chelsea Foundation. Together, we are broadening access to personal finance education, closing the knowledge gap, and empowering the next generation to build stronger financial futures.”
For more information about FICO’s credit empowerment programs across the globe, visit: https://www.fico.com/empowerment.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
Learn more at https://www.fico.com.
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/.
For FICO news and media resources, visit https://www.fico.com/newsroom.
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
About Chelsea Foundation
Chelsea Foundation: Where pride in our club becomes impact in our community.
We believe in the power of our club, our fans and our partners to bring people together, create healthier lives and shape brighter futures. We harness the passion, energy, resources and excellence of Chelsea FC to help tackle key issues and create opportunities in our local areas. Delivering across our three pillars of wellbeing, community and futures, we recognise the challenges many people face around our club’s footprint, and we’re determined to make a difference.
We focus on proactive grant giving, partner initiatives, and delivering impact where it matters most. Through our work with the Chelsea Players’ Trust, we also support the players who created our legacy. Founded in 2010, the Chelsea Foundation builds on the club’s history and positive impact in our community.
Global analytics software leader FICO (NYSE: FICO) brought its financial literacy mission to the U.K. for the first time through its partnership with Chelsea Foundation, building on its three-year relationship with Chelsea FC. A leader in financial education, FICO empowers consumers with knowledge and tools to better understand and manage their financial health.
Together, FICO and Chelsea Foundation harnessed the universal appeal of soccer to bring financial education to life for UK teens. Through this partnership, FICO and the Chelsea Foundation hosted their inaugural financial literacy event at Stamford Bridge on June 12th. The first of three events hosted 175 students. As part of the program, students worked in teams to learn how to manage a professional soccer club with a budget and balance sheet. FICO volunteers were on-site to assist students as they learned to manage operational costs, player salaries, expenses, and more.
The day concluded with financial strategy presentations to a panel of judges. Judges scored teams on financial decisions, teamwork, and communication, selecting top teams from each school. The afternoon culminated in a celebration where students toured the iconic Stamford Bridge stadium and met Chelsea FC Legend Jimmy Floyd Hasselbaink.
Mariel Zelhart, Head of Philanthropic Partnerships, Chelsea Foundation, commented: "We are delighted to partner with FICO to provide young people with valuable financial education in such an engaging and memorable way.
"At Chelsea Foundation, we are committed to creating opportunities that help young people develop the skills, knowledge, and confidence they need to thrive both now and in the future. Combining football with practical financial learning helps students to build a stronger understanding of money management, teamwork, and decision-making. We look forward to continuing our work with FICO and seeing the positive impact this partnership will have on the young people across our communities.”
The partnership between FICO and Chelsea Foundation builds on FICO's existing relationship with Chelsea FC. Together, they are extending that commitment beyond the pitch — bringing financial literacy education to UK youth and demonstrating the powerful role that understanding credit and personal finance plays in helping people achieve lasting financial wellbeing.
“Financial literacy is one of the most powerful tools we can give young people, yet millions of youth around the world still lack access to basic financial education,” said Rukiya Kelly, Global Head of Corporate Impact. “We take great pride in partnering with an organization as impactful as Chelsea Foundation. Together, we are broadening access to personal finance education, closing the knowledge gap, and empowering the next generation to build stronger financial futures.”
For more information about FICO’s credit empowerment programs across the globe, visit: https://www.fico.com/empowerment.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
Learn more at https://www.fico.com.
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/.
For FICO news and media resources, visit https://www.fico.com/newsroom.
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
About Chelsea Foundation
Chelsea Foundation: Where pride in our club becomes impact in our community.
We believe in the power of our club, our fans and our partners to bring people together, create healthier lives and shape brighter futures. We harness the passion, energy, resources and excellence of Chelsea FC to help tackle key issues and create opportunities in our local areas. Delivering across our three pillars of wellbeing, community and futures, we recognise the challenges many people face around our club’s footprint, and we’re determined to make a difference.
We focus on proactive grant giving, partner initiatives, and delivering impact where it matters most. Through our work with the Chelsea Players’ Trust, we also support the players who created our legacy. Founded in 2010, the Chelsea Foundation builds on the club’s history and positive impact in our community.
Learn more: chelseafoundation.chelseafc.com
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