Fair Isaac (FICO) Q3 2026: Scores Surge 49% Drives EPS Beat and Raised Guidance
As seen on the 24/7 Wall St. homepage on July 29, 2026.
Fair Isaac beat EPS estimates with $12.18 as its Scores business surged 49% on higher mortgage origination pricing, prompting management to raise full-year guidance despite a slight revenue miss.
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Fair Isaac posted Q3 2026 earnings per share of $12.18, coming in roughly 3.4% above the consensus estimate of $11.78. The outperformance was powered by a 49% surge in the Scores segment, which the company attributed to higher mortgage origination pricing — a sign that rising activity in the home-loan market is translating directly into stronger unit economics for FICO's credit-scoring business.
Revenue for the quarter came in at $674.2 million, just a hair under the $676.7 million analysts had expected — a miss of less than half a percent. Despite that slight top-line shortfall, management felt confident enough in the underlying momentum to raise full-year guidance, suggesting the earnings quality and Scores segment trajectory outweighed any concern about the modest revenue gap.
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The share price reaction around the filing was volatile. FICO traded near $1,377 just before the results hit, then swung sharply lower toward $1,169 in the immediate aftermath before partially recovering into the $1,220–$1,250 range. The Q3 EPS of $12.18 follows a notably strong Q2 2026 print of $12.50 and continues a broader trend of FICO beating estimates in most recent quarters, with only Q1 2025 representing a meaningful miss against expectations.
Mentioned: FICO