Fair Isaac Corporation · FICO · Next earnings

Fair Isaac Corporation reports Wednesday, Nov 4, 2026

FICO reports after market close with consensus EPS at $11.03 and revenue at $666.1M. Last quarter: FICO Q2 FY2026: Revenue Surges 39% YoY, Guidance Raised on Mortgage Score Strength

Reports After market close45 days awayDate estimated Technology

What the street expects

Consensus for the coming report
Consensus EPS $11.03 Calendar consensus
Consensus revenue $666.1M Calendar consensus
Report date Nov 4, 2026 Wednesday, date estimated
Session After market close 45 days away

Where FICO left off: FY2026 Q2

Full report

FICO Q2 FY2026: Revenue Surges 39% YoY, Guidance Raised on Mortgage Score Strength

EPS surprise +14.8% Reported $12.50 vs $10.89
Revenue surprise +9.8% Reported $691.7M vs $630.2M
Stock move +3.3% Event window
Subsequent drift +24.2% Up to 20 sessions

FY2026 revenue guidance raised to $2.45 billion. In Q1, management had reiterated but not raised guidance, citing macroeconomic uncertainty. The Q2 raise marks a clear shift in posture, reflecting increased confidence in sustained mortgage volume growth and platform adoption. Guidance sentiment moved from maintained to raised.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Regulatory approval timeline for FHFA/GSE adoption of Score 10T remains uncertain
  • VantageScore competition could erode market share, especially in mortgages
  • AI model explainability constraints and fair-lending regulations may limit product innovation
  • Mortgage market dependence exposes revenue to interest-rate volatility
  • Non-platform to platform migration creates near-term revenue timing pressure

Questions analysts left open

  • Details and timing of the Score 10T pricing change and direct-license rollout
  • VantageScore impact on FICO market share, particularly in mortgages
  • Extent of expense increases for marketing, personnel, and the FICO World event
  • Sustainability of mortgage volume growth amid interest-rate fluctuations
  • Non-platform revenue decline and its effect on overall margins

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Recent FICO quarters

All FICO earnings
+3.3%FY2026 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q2

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.