Analyst Consensus ?
ConsensusBuy20 ratings
Bullish1575.0%
Neutral525.0%
Bearish00.0%
Fair Isaac Corporation · FICO · FY2025 Q4 · Calendar Q4 2025
FICO raises FY26 outlook as Scores and platform growth accelerate
The supplied analysis supports a constructive but conditional view: resilient Scores demand, platform expansion, and AI initiatives support growth, while regulatory approvals, mortgage volumes, and pricing execution remain material tests.
Reported After market closeNYSETechnology
$14.28B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$7.74
Consensus $7.32
EPS surprise
+5.7%
Reported versus consensus
Reported revenue
$515.8M
Consensus $513.3M
Revenue surprise
+0.5%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
+2.8%
Event window
SPY move
-1.1%
Same window
Abnormal move
+3.9%
Stock minus SPY
Volume
1.5×
Versus trailing sessions
Subsequent drift
+7.4%
Up to 20 sessions
FICOSPY benchmark
Ask FN2 about FICO FY2025 Q4
Transcript, numbers and history already loaded
Why did FICO rise 2.8% after beating EPS estimates in FY2025 Q4?What changed in FICO's guidance and outlook in FY2025 Q4?Give me the bull and bear case for FICO after FY2025 Q4 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Compared with the prior analysis, the current analysis describes accelerated revenue growth, 27% Scores growth, 16% platform ARR growth, 112% platform dollar-based net retention, stronger ACV bookings, and raised FY26 revenue guidance. It also adds detail on the AI foundation model, performance-based pricing, and the mortgage direct-license program.
Guidance delta
Management raised FY26 revenue guidance to $2.35 billion, according to the supplied transcript analysis.
Key takeaways
- Scores growth and platform ARR expansion were the main reported growth pillars.
- Management highlighted 112% platform dollar-based net retention and strong ACV bookings.
- New AI, scoring, and mortgage direct-licensing initiatives broaden the opportunity but add execution dependencies.
Management priorities
- Expand next-generation FICO Platform and foundation-model use cases.
- Scale FICO Score 10T and the mortgage direct-license program.
- Invest in distribution, platform development, and Scores marketing.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$661.25Previous close
$700Low
$1,404.83Average
$2,515High
Latest persisted target per named analyst; persisted previous close from FN2's market snapshot as of Oct 5, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Barclays | Overweight | Overweight | Maintain | Oct 2, 2026 |
| Baird | Outperform | Outperform | Maintain | Oct 2, 2026 |
| Wells Fargo | Overweight | Overweight | Maintain | Sep 30, 2026 |
| BMO Capital | Outperform | Outperform | Maintain | Sep 30, 2026 |
| B of A Securities | Neutral | Buy | Downgrade | Sep 30, 2026 |
| UBS | Neutral | Neutral | Maintain | Aug 12, 2026 |
| Wolfe Research | Peer Perform | Outperform | Downgrade | Aug 3, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Jul 30, 2026 |
| Needham | Buy | Buy | Maintain | Jul 30, 2026 |
| Jefferies | Buy | Buy | Maintain | May 4, 2026 |
| JP Morgan | Neutral | Neutral | Maintain | Apr 30, 2026 |
| Goldman Sachs | Buy | Buy | Maintain | Apr 2, 2026 |
| Raymond James | Outperform | Outperform | Maintain | Jul 31, 2025 |
| Oppenheimer | Outperform | Outperform | Maintain | Jul 31, 2025 |
| Deutsche Bank | Buy | Buy | Maintain | Apr 28, 2023 |
| Stephens & Co. | Overweight | Equal Weight | Upgrade | Mar 26, 2020 |
| Dougherty | Buy | Buy | Maintain | Jul 13, 2016 |
| Sidoti & Co. | Neutral | Buy | Downgrade | Mar 23, 2016 |
| William Blair | Outperform | Outperform | Maintain | Jan 26, 2016 |
| Feltl & Co. | Buy | Buy | Maintain | Nov 2, 2012 |
Named analyst price targets
Upside is calculated against the persisted previous close $661.25. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Robert W. Baird | Analyst unavailable | $1,070 | $661.75 | +61.8% | Oct 2, 2026 |
| Goldman Sachs | Analyst unavailable | $1,129 | $661.75 | +70.7% | Oct 2, 2026 |
| Barclays | Analyst unavailable | $875 | $661.75 | +32.3% | Oct 2, 2026 |
| Griffin | Ryan Griffin | $1,150 | $646.74 | +73.9% | Oct 1, 2026 |
| Credit Suisse | Analyst unavailable | $1,150 | $617.87 | +73.9% | Sep 30, 2026 |
| Wells Fargo | Analyst unavailable | $950 | $617.87 | +43.7% | Sep 30, 2026 |
| Susquehanna | Analyst unavailable | $700 | $617.87 | +5.9% | Sep 30, 2026 |
| Barclays | Manav Patnaik | $935 | $617.87 | +41.4% | Sep 30, 2026 |
| Mizuho Securities | Sean Kennedy | $1,344 | $617.87 | +103.3% | Sep 29, 2026 |
| Goldman Sachs | Analyst unavailable | $1,322 | $840.89 | +99.9% | Sep 29, 2026 |
| Wells Fargo | Jason Haas | $1,350 | $924.52 | +104.2% | Sep 22, 2026 |
| UBS | Kevin McVeigh | $1,139 | $1,038.23 | +72.2% | Aug 12, 2026 |
| Barclays | Manav Patnaik | $1,700 | $1,041.4 | +157.1% | Aug 10, 2026 |
| Jefferies | Analyst unavailable | $1,675 | $1,122.97 | +153.3% | Aug 3, 2026 |
| RBC Capital | Ashish Sabadra | $1,525 | $1,149.47 | +130.6% | Jul 30, 2026 |
| Wells Fargo | Analyst unavailable | $1,450 | $1,373.08 | +119.3% | Jul 30, 2026 |
| UBS | Analyst unavailable | $1,270 | $1,240.17 | +92.1% | Jul 2, 2026 |
| UBS | Analyst unavailable | $1,250 | $1,181.62 | +89.0% | Jun 16, 2026 |
| Jefferies | Surinder Thind | $1,700 | $1,035.5 | +157.1% | May 4, 2026 |
| Wells Fargo | Analyst unavailable | $1,400 | $1,043.57 | +111.7% | Apr 30, 2026 |
| Needham | Analyst unavailable | $1,650 | $1,045.08 | +149.5% | Apr 29, 2026 |
| Raymond James | Analyst unavailable | $1,750 | $1,040.98 | +164.7% | Apr 29, 2026 |
| Robert W. Baird | Analyst unavailable | $1,549 | $1,010.16 | +134.3% | Apr 29, 2026 |
| UBS | Analyst unavailable | $1,150 | $944.99 | +73.9% | Apr 23, 2026 |
| Mizuho Securities | Sean Kennedy | $1,416 | $1,030.81 | +114.1% | Apr 16, 2026 |
| Barclays | Analyst unavailable | $1,950 | $932.42 | +194.9% | Apr 10, 2026 |
| UBS | Analyst unavailable | $1,350 | $1,165.23 | +104.2% | Mar 11, 2026 |
| Goldman Sachs | George Tong | $1,777 | $1,463.17 | +168.7% | Feb 2, 2026 |
| Jefferies | Analyst unavailable | $2,200 | $1,580.02 | +232.7% | Jan 16, 2026 |
| Wells Fargo | Jason Haas | $2,400 | $1,649.99 | +262.9% | Oct 14, 2025 |
| Seaport Global | Analyst unavailable | $2,250 | $1,674.28 | +240.3% | Oct 13, 2025 |
| Barclays | Analyst unavailable | $2,400 | $1,512.71 | +262.9% | Oct 2, 2025 |
| Seaport Global | Analyst unavailable | $1,800 | $1,494.3 | +172.2% | Oct 1, 2025 |
| Wells Fargo | Analyst unavailable | $2,300 | $1,496.53 | +247.8% | Oct 1, 2025 |
| Seaport Global | Analyst unavailable | $1,600 | $1,496.53 | +142.0% | Oct 1, 2025 |
| UBS | Kevin McVeigh | $1,640 | $1,544.05 | +148.0% | Sep 15, 2025 |
| Griffin | Ryan Griffin | $1,800 | $1,350 | +172.2% | Aug 18, 2025 |
| Needham | Kyle Peterson | $1,950 | $1,505.39 | +194.9% | Jul 16, 2025 |
| Griffin | Ryan Griffin | $2,000 | $1,591.73 | +202.5% | Jul 9, 2025 |
| Jefferies | Surinder Thind | $2,500 | $2,130 | +278.1% | May 14, 2025 |
| Barclays | Analyst unavailable | $2,250 | $1,673.98 | +240.3% | Apr 4, 2025 |
| Oppenheimer | Owen Lau | $2,515 | $2,343.44 | +280.3% | Dec 2, 2024 |
| Needham | Kyle Peterson | $2,500 | $2,019.56 | +278.1% | Nov 7, 2024 |
| Wells Fargo | Jason Haas | $2,200 | $1,943.52 | +232.7% | Oct 1, 2024 |
| Wells Fargo | Jason Haas | $2,100 | $1,720 | +217.6% | Aug 12, 2024 |
| Barclays | Manav Patnaik | $1,800 | $1,654.99 | +172.2% | Aug 7, 2024 |
| Jefferies | Robert Moskow | $1,450 | $1,150.66 | +119.3% | Apr 23, 2024 |
| Raymond James | Patrick O'Shaughnessy | $1,007 | $916.41 | +52.3% | Sep 6, 2023 |
| Needham | Kyle Peterson | $900 | $770.98 | +36.1% | Jun 8, 2023 |
| Goldman Sachs | Analyst unavailable | $614 | $581.78 | -7.1% | Nov 10, 2022 |
| Jefferies | Robert Moskow | $588 | $497.23 | -11.1% | Mar 5, 2022 |
Track every rating change on FICO the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationFair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services.…
Historical context
All FICO earningsTechnology peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| ACN Accenture plc | FY2026 Q4 · Calendar Q4 2026 | +3.5% | +15.8% | Accenture: AI demand supports strong Q4, while pricing and geopolitics remain risks |
| JBL Jabil Inc. | FY2026 Q4 · Calendar Q3 2026 | +8.1% | -10.0% | Jabil enters FY2027 with AI-led growth and capacity risks |
| MU Micron Technology, Inc. | FY2026 Q4 · Calendar Q3 2026 | +5.4% | +0.0% | Micron: Strong AI Memory Demand, Higher Capex, and HBM4E Ahead |
| SNX TD Synnex Corp | FY2026 Q3 · Calendar Q3 2026 | +20.9% | -9.9% | TD SYNNEX: AI-led growth accelerates, but mix and cash flow matter |
| ADBE Adobe Inc. | FY2026 Q3 · Calendar Q3 2026 | +0.8% | +1.4% | Adobe raises FY26 outlook as AI strategy broadens |
| ORCL Oracle Corporation | FY2027 Q1 · Calendar Q3 2026 | +10.3% | -1.7% | Oracle raises FY27 outlook as AI demand accelerates cloud growth |
Latest beats and misses
Who reports nextBeat on EPS
- ACNFY2026 Q4 · October 1, 2026+3.5% EPS+15.8% move
- MKCFY2026 Q3 · October 1, 2026+13.9% EPS-4.9% move
- NKEFY2027 Q1 · October 1, 2026+10.0% EPS-0.7% move
- CAGFY2027 Q1 · September 30, 2026+44.4% EPS-4.9% move
- FDSFY2026 Q4 · September 30, 2026+3.9% EPS+3.8% move
- JBLFY2026 Q4 · September 30, 2026+8.1% EPS-10.0% move
Get the FICO recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-10-05T05:30:41.509911+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-05T05:30:41.507171+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-05. For educational purposes only; not investment advice.