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The Zacks Consensus Estimate for fourth-quarter fiscal 2026 revenues is pegged at $652.35 million, suggesting an increase of 26.48% from the year-ago quarter’s reported figure.
The consensus mark for fourth-quarter fiscal 2026 earnings is pegged at $10.84 per share, down by 2.16% over the past 30 days. This indicates 40.05% year-over-year growth.
The company’s earnings beat the Zacks Consensus Estimate in all the trailing four quarters, the average surprise being 6.40%.
Let’s see how things have shaped up prior to this announcement.
Factors Likely to Have Impacted FICO’s Q4 Performance
Fair Issac’s performance is likely to have benefited from continued strength in its Scores business in the fourth quarter of fiscal 2026, driven by higher mortgage origination score pricing and steady demand for credit scoring solutions. In the third quarter of fiscal 2026, Scores revenues increased 41% year over year, supported by 49% growth in B2B revenues. Mortgage origination revenues surged 97%, primarily reflecting higher pricing despite low-single-digit volume growth. Continued pricing benefits, alongside demand for auto, credit card, and personal loan scoring solutions, are expected to have supported the segment’s performance in the to-be-reported quarter.
FICO’s Software segment is likely to have benefited from increasing adoption of its FICO Platform, growing demand for AI-powered decisioning solutions and expanding enterprise customer relationships. In the fiscal third quarter of 2026, platform revenues surged 66% year over year, while platform annual recurring revenue increased 62% to $413 million. Strong platform net retention of 148%, supported by new customer wins, additional use cases and higher usage volumes, is expected to have sustained momentum. The expanding partnership with Accenture and growing demand for AI-driven risk management and fraud prevention solutions are additional positives.
Increasing adoption of FICO Score 10T and the next-generation UltraFICO Score, developed in partnership with Plaid, is likely to have strengthened FICO’s competitive positioning in the to-be-reported quarter. The FICO Score 10T Adopter Program had expanded to 70 lenders, representing approximately 55% of mortgage volume generated by the top 50 originators.
Nevertheless, elevated interest rates and persistent housing affordability challenges are likely to have constrained mortgage origination volumes, affecting transaction-driven Scores revenues. Growing competition from VantageScore, particularly following its adoption under the lender-choice framework, remains another concern.
Ongoing migration from legacy software products to FICO Platform, declining non-platform revenues and fewer large license renewal opportunities are also expected to have weighed on Software segment growth. Higher marketing expenditures associated with the Accenture partnership, anticipated restructuring charges and increased interest expenses following additional borrowing are likely to have pressured profitability in the to-be-reported quarter.
What Our Model Says
Per 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’s not the exact case here.
Fair Isaac currently has an Earnings ESP of 0.00% and a Zacks Rank #5 (Strong Sell). You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Stocks With Favorable Combination
Here are some stocks worth considering, as our model shows that these have the right combination of elements to beat on earnings this reporting cycle.
View the Zacks #1 Rank List
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Fair Isaac to Report Q4 Earnings: What's in Store for the Stock?
Key Takeaways
Fair Isaac Corporation (FICO - Free Report) is set to report its fourth-quarter fiscal 2026 results on Nov. 4.
The Zacks Consensus Estimate for fourth-quarter fiscal 2026 revenues is pegged at $652.35 million, suggesting an increase of 26.48% from the year-ago quarter’s reported figure.
The consensus mark for fourth-quarter fiscal 2026 earnings is pegged at $10.84 per share, down by 2.16% over the past 30 days. This indicates 40.05% year-over-year growth.
The company’s earnings beat the Zacks Consensus Estimate in all the trailing four quarters, the average surprise being 6.40%.
Fair Isaac Corporation Price and EPS Surprise
Fair Isaac Corporation price-eps-surprise | Fair Isaac Corporation Quote
Let’s see how things have shaped up prior to this announcement.
Factors Likely to Have Impacted FICO’s Q4 Performance
Fair Issac’s performance is likely to have benefited from continued strength in its Scores business in the fourth quarter of fiscal 2026, driven by higher mortgage origination score pricing and steady demand for credit scoring solutions. In the third quarter of fiscal 2026, Scores revenues increased 41% year over year, supported by 49% growth in B2B revenues. Mortgage origination revenues surged 97%, primarily reflecting higher pricing despite low-single-digit volume growth. Continued pricing benefits, alongside demand for auto, credit card, and personal loan scoring solutions, are expected to have supported the segment’s performance in the to-be-reported quarter.
FICO’s Software segment is likely to have benefited from increasing adoption of its FICO Platform, growing demand for AI-powered decisioning solutions and expanding enterprise customer relationships. In the fiscal third quarter of 2026, platform revenues surged 66% year over year, while platform annual recurring revenue increased 62% to $413 million. Strong platform net retention of 148%, supported by new customer wins, additional use cases and higher usage volumes, is expected to have sustained momentum. The expanding partnership with Accenture and growing demand for AI-driven risk management and fraud prevention solutions are additional positives.
Increasing adoption of FICO Score 10T and the next-generation UltraFICO Score, developed in partnership with Plaid, is likely to have strengthened FICO’s competitive positioning in the to-be-reported quarter. The FICO Score 10T Adopter Program had expanded to 70 lenders, representing approximately 55% of mortgage volume generated by the top 50 originators.
Nevertheless, elevated interest rates and persistent housing affordability challenges are likely to have constrained mortgage origination volumes, affecting transaction-driven Scores revenues. Growing competition from VantageScore, particularly following its adoption under the lender-choice framework, remains another concern.
Ongoing migration from legacy software products to FICO Platform, declining non-platform revenues and fewer large license renewal opportunities are also expected to have weighed on Software segment growth. Higher marketing expenditures associated with the Accenture partnership, anticipated restructuring charges and increased interest expenses following additional borrowing are likely to have pressured profitability in the to-be-reported quarter.
What Our Model Says
Per 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’s not the exact case here.
Fair Isaac currently has an Earnings ESP of 0.00% and a Zacks Rank #5 (Strong Sell). You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
Stocks With Favorable Combination
Here are some stocks worth considering, as our model shows that these have the right combination of elements to beat on earnings this reporting cycle.
Camtek (CAMT - Free Report) has an Earnings ESP of +0.85% and a Zacks Rank #2 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
Camtek is slated to report third-quarter 2026 results on Nov. 4. Camtek shares have gained 9.7% year-to-date.
Revvity, Inc. (RVTY - Free Report) has an Earnings ESP of +1.03% and carries a Zacks Rank #3 at present.
Revvity is set to report third-quarter 2026 results on Nov. 3. Revvity shares have surged 62.3% year-to-date.
Block (XYZ - Free Report) has an Earnings ESP of +1.67% and carries a Zacks Rank #3 at present.
Block is set to report third-quarter 2026 results on Nov. 3. Block shares have rallied 17.1% year-to-date.