Fair Isaac Corp.
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+ FollowMarket Cap$15.36B
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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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$537.35
23.3% downside
Current Fair Value
23.3% downsideOvervalued by 23.3% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $15.36 Billion |
|---|---|
| Enterprise Value | $20.92 Billion |
| Earnings per Share | $26.9 |
| Beta | 1.34 |
| Outstanding Shares | 22,670,000 |
Return
| Return on Equity | -19.89% |
|---|---|
| Return on Assets | 40.00% |
| Return on Invested Capital | 86.50% |
Valuation & Multiples
| P/E Ratio | 20.43 |
|---|---|
| PEG | 67.07 |
| Price to Sales | 6.67 |
| Price to Book Ratio | -3.87 |
| Enterprise Value to Revenue | 8.74 |
| Enterprise Value to EBIT | 18.71 |
| Enterprise Value to Net Income | 25 |
| Total Debt to Enterprise | 0.28 |
| Debt to Equity | -1.42 |
Revenue Sources
No data
Last Earnings Call
Report Date
November 4, 2026
EPS Estimate
$10.69
Consensus analyst estimateRevenue Estimate
$651.73 M
Consensus analyst estimateNext Earnings Call
Expected Date
January 28, 2027
EPS Estimate
$9.84
Consensus analyst estimateRevenue Estimate
$619.83 M
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.23, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.2308▼ 65.35% |
|---|---|
| Total Calls | 1,300▼ 99.73% |
| Total Puts | 300▼ 99.93% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 2.44%▼ 89.65% |
|---|---|
| Total Invested | $330.26M▼ 98.73% |
| Investors Holding | 207▼ 682.00% |
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...