Fair Isaac Corp.

Fair Isaac Corp.

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Market Cap$15.98B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Fair Isaac Corp.Fair Isaac Corp.19.2--20%6.9-1.4

Earnings Call Q3 2026

July 29, 2026 - AI Summary

Strong Q3 results + big shareholder returns - Q3 revenue $674M (+26% YoY); GAAP net income $237M (+30% YoY) and GAAP EPS $10.45 (+41% YoY) - Non-GAAP net income $277M (+31% YoY) and non-GAAP EPS $12.18 (+42% YoY) - Free cash flow $370M; $961M over the last 4 quarters (+28%) - Record capital return: repurchased $1.96B of shares (1.705M shares) at ~$1,149 avg price, including accelerated repurchase (repurchase spend >3x the historical record quarter); management indicated they will pay down debt in the near term, then continue repurchases
Guidance raised materially for FY2026 (better macro and/or timing) - Company raised full-year FY2026 revenue guidance to $2.53B (+20% YoY vs prior year) - GAAP net income guidance $850M; GAAP EPS $36.86 (+30% YoY) - Non-GAAP net income guidance $979M; non-GAAP EPS $42.43 (+33% / +42% YoY, respectively) - Why the raise (per management): (1) DLP performance-fee revenue timing pushed out, so prior model anticipated less revenue in 4Q; and (2) mortgage market held up better than feared—rates didn’t deteriorate further, and volumes came in better than original guidance, though still low single-digit growth
Mortgage-driven growth in Scores, but mortgage volumes are still the key macro swing factor - Scores segment revenue $459M (+41% YoY); B2B +49% YoY (driven mainly by higher mortgage origination score unit price) - B2C Scores +5% YoY - Mortgage origination: revenues +97% YoY, but volumes grew only low single digits; management said QoQ and some YoY deceleration is largely consistent with mortgage volume softening as rates tick up - In response to investors: no evidence of volume loss despite competitor share headlines; management triangulates with bureau/public mortgage data and says volumes look in-line with expectations

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$1221.33

Target Price by Analysts

69.7% upsideFair Isaac Target Price DetailsTarget Price
$511.14

Current Fair Value

29% downside

Overvalued by 29% based on the discounted cash flow analysis.

Share Statistics

Market cap$15.98 Billion
Enterprise Value$21.54 Billion
Dividend Yield$- (-)
Earnings per Share$26.9
Beta1.34
Outstanding Shares22,670,000

Return

Return on Equity-19.89%ROE
Return on Assets40.00%
Return on Invested Capital86.50%

Valuation & Multiples

P/E Ratio19.18P/E Ratio
PEG62.95PEG
Price to Sales6.85Price to Sales
Price to Book Ratio-3.98Price to Book Ratio
Enterprise Value to Revenue9
Enterprise Value to EBIT19.27
Enterprise Value to Net Income26
Total Debt to Enterprise0.27
Debt to Equity-1.42Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
August 5, 2026
EPS Estimate
$11.54
Average shareholder expectation
Revenue Estimate
$667.98 M
Average shareholder expectation

Next Earnings Call

Expected Date
November 4, 2026
EPS Estimate
$10.86
Average shareholder expectation
Revenue Estimate
$658.10 M
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000▼ 88.43%
Total Calls-▼ 100.00%
Total Puts-▼ 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %0.11%▼ 91.97%
Total Invested$15.07M▼ 99.94%
Investors Holding19▼ 869.00%

ESG Score

No data

About Fair, Isaac Corp.

3,811 employees
CEO: William Lansing

Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solu...