FAIR ISAAC CORP — Form 8-K
Filed July 29, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 48/100
What the filing says
FICO reported Q3 FY2026 (ended June 30, 2026) GAAP net income of $237.2M ($10.45 EPS) on revenues of $674.2M, up 26% YoY from $536.4M. Scores segment revenue rose 41% to $458.9M (B2B +49% driven by higher mortgage origination unit pricing); Software revenue +2% to $215.3M with 10% ARR growth and 109% net retention. The company raised FY2026 full-year guidance: revenues from $2.45B to $2.53B (+3.3%), GAAP EPS from $35.60 to $36.86 (+3.5%), and non-GAAP EPS from $40.45 to $42.43 (+4.9%). Operating cash flow grew 33% to $380.4M in Q3. However, long-term debt increased significantly from $2.66B to $5.28B (net debt increase ~$2.6B in nine months).
Why this rating
Strong revenue growth, margin expansion, and raised guidance are positive; but material debt increase offsets trajectory upside for $36B company. Moderate event.
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