Fair Isaac Corp.

Fair Isaac Corp.

FICO

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Market Cap$26.38B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Fair Isaac Corp.Fair Isaac Corp.35.4--36%12.7-1.8

Earnings Call Q2 2026

April 28, 2026 - AI Summary

Strong Q2 Performance: FICO reported Q2 2026 revenues of $692 million, reflecting a 39% year-over-year growth. GAAP net income was $264 million, a 63% increase, with GAAP earnings per share increasing by 69% to $11.14. Non-GAAP net income also saw a 54% increase to $297 million, with earnings per share rising 60% to $12.50.
Increased Guidance: Due to the strong performance, FICO raised its fiscal 2026 guidance, forecasting revenue of $2.45 billion, a 23% increase year-over-year. GAAP net income guidance is now $825 million, an increase of 27%, and non-GAAP net income guidance is projected at $946 million, a 29% increase compared to the previous year.
Substantial Mortgage Revenue Growth: The Scores segment, particularly in mortgage origination, experienced significant growth, with revenues up 127% year-over-year. This growth was attributed to increased unit pricing and a rebound in mortgage volumes due to favorable interest rate changes. However, future growth rates could be influenced by broader market conditions.

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$1546.11

Target Price by Analysts

28.1% upsideFair Isaac Target Price DetailsTarget Price
$571.56

Current Fair Value

52.7% downside

Overvalued by 52.7% based on the discounted cash flow analysis.

Share Statistics

Market cap$26.38 Billion
Enterprise Value$30.00 Billion
Dividend Yield$- (-)
Earnings per Share$26.9
Beta1.23
Outstanding Shares23,628,000

Return

Return on Equity-36.14%ROE
Return on Assets37.09%
Return on Invested Capital61.22%

Valuation & Multiples

P/E Ratio35.38P/E Ratio
PEG56.49PEG
Price to Sales12.71Price to Sales
Price to Book Ratio-13.57Price to Book Ratio
Enterprise Value to Revenue13.3
Enterprise Value to EBIT29.82
Enterprise Value to Net Income39
Total Debt to Enterprise0.13
Debt to Equity-1.83Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 5, 2026
EPS Estimate
$10.82
Average shareholder expectation
Revenue Estimate
$628.55 M
Average shareholder expectation

Next Earnings Call

Expected Date
July 29, 2026
EPS Estimate
$11.67
Average shareholder expectation
Revenue Estimate
$676.10 M
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.7816 16.21%
Total Calls500,400 98.49%
Total Puts391,100 64.40%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %89.64% 0.65%
Total Invested$22.78B 36.14%
Investors Holding881 132.00%

ESG Score

No data

About Fair, Isaac Corp.

CEO: William Lansing

Relevant Senate Committees

Joint Committee on Taxation

This committee provides critical analysis and revenue estimates for tax legislation. Its influence on corporate tax structures, capital investment credits, and overall tax burden directly impacts FICO's financial health and strategic planning.

Finance

This powerful committee controls taxation and trade. Tax policy directly impacts FICO's profitability and capital allocation. Its broader influence on economic policy also significantly affects the financial and retail sectors that are FICO's primary customers.

Judiciary

This committee oversees antitrust laws and intellectual property. FICO operates in a market with significant market share in credit scoring, making it susceptible to antitrust scrutiny. Intellectual property protection is also crucial for a software and analytics company.

Banking, Housing, and Urban Affairs

This is a highly relevant committee. It regulates the entire financial system, including the Fed and SEC. Regulations on bank capital requirements, credit reporting agencies (which rely on FICO scores), and financial consumer protection directly impact FICO's core business and its major clients.

Commerce, Science, and Transportation

This committee has vast jurisdiction over interstate commerce, the FTC, and 'Big Tech.' Privacy laws and consumer protection regulations (which impact data collection and usage) are directly relevant to FICO's business as a data and analytics provider. The FTC's oversight on credit reporting practices also makes this committee highly relevant.

Homeland Security and Governmental Affairs

This committee regulates government procurement and emerging risks like Artificial Intelligence in financial markets. FICO's analytics and decision management software could be procured by federal agencies, and its core business is directly impacted by AI regulation in financial services.