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How FICO makes money: Q3 FY2026 revenue breakdown
US GAAP · $M · vs Q3 FY2025 · quarter ended 06/30/2026 (fiscal year is shifted) · reported 07/29/2026
FICO, originally Fair, Isaac and Company, is an American data analytics company based in Bozeman, Montana, focused on credit scoring services. · Text: Wikipedia, CC BY-SA 4.0, abridged
More about the company
It was founded by Bill Fair and Earl Isaac in 1956. Its FICO score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States.
Key growth driver: Scores — the fastest-growing revenue line: $459, +42% y/y. · by the Q3 FY2026 report
How does FICO make money?
FICO brought in $674 million of revenue in Q3 FY2026, up 25.7% year over year. The largest source was Scores: $459 million, or 68% of the total, followed by On-premises and SaaS software ($197M, 29%) and Professional services ($18.3M, 3%). Net income for the quarter was $237 million, up 30.5% year over year.
Revenue by source, Q3 FY2026
- Scores$459M · 68% · +41.5%
- On-premises and SaaS software$197M · 29% · +4.8%
- Professional services$18.3M · 3% · −24.3%
Shares of $674M total revenue; changes are year over year, as reported. ≈ marks lines derived from disclosed totals. The same flows are drawn in the Sankey chart below.
When is FICO’s next earnings date?
Wednesday, November 4, 2026estimated
Expected around Nov 4 — based on last year’s report on Nov 5, 2025. We have not yet seen the company's announcement of the date.
How we estimate
The estimate is the date of the same-quarter report a year ago, per the company’s SEC filing, moved forward 52 weeks (same weekday). Companies usually keep the same week; the date will be replaced once FICO announces it.
Same quarter a year ago (ended September 30, 2025): revenue $516M, EPS (GAAP) $6.41
How we calculate
Year-ago figures are GAAP, from the company's SEC filings (XBRL); EPS is diluted.
What time does FICO report? Usually after market close: the last 4 results releases reached the SEC at 4:16 pm, 4:15 pm, 4:15 pm, 4:19 pm ET.
Last report: Jul 29, 2026 (Q3 FY2026) — broken down in the Sankey chart below. Dates: company announcements; past dates and times — SEC 8-K filings. Who else reports this week →
All figures in $M.
Revenue
$674
+25.7%
Operating income
$363
+38.1%
53.8% margin
Net income
$237
+30.5%
$10.45/sh · 35.2% margin
Verdict: FICO's revenue grew 25.7% to $674.2M and operating income 38.1% to $362.6M, while net income rose 30.5% to $237.2M, or $10.45 per share vs $7.40.
Source and notation
Source: FICO press release, 8-K EX-99.1 of 07/29/2026 (SEC EDGAR).
Open the chart as a PNG image ↗ · for sharing and presentations · free to reuse, CC BY 4.0
FICO earnings history: past report dates
| Jul 29, 2026 Wed | 4:16 pmafter market close | Jun 30, 2026 | $674M+26% y/y | $10.45+41% y/y |
| Apr 28, 2026 Tue | 4:15 pmafter market close | Mar 31, 2026 | $692M+39% y/y | $11.14+69% y/y |
| Jan 28, 2026 Wed | 4:15 pmafter market close | Dec 31, 2025 | $512M+16% y/y | $6.61+8% y/y |
| Nov 5, 2025 Wed | 4:19 pmafter market close | Sep 30, 2025 | ≈$516M+14% y/y | ≈$6.41+18% y/y |
| Jul 30, 2025 Wed | 4:17 pmafter market close | Jun 30, 2025 | $536M+20% y/y | $7.40+47% y/y |
| Apr 29, 2025 Tue | 4:16 pmafter market close | Mar 31, 2025 | $499M+15% y/y | $6.59+28% y/y |
| Feb 4, 2025 Tue | 4:15 pmafter market close | Dec 31, 2024 | $440M+15% y/y | $6.14+28% y/y |
| Nov 6, 2024 Wed | 4:16 pmafter market close | Sep 30, 2024 | ≈$454M+16% y/y | ≈$5.44+36% y/y |
| Jul 31, 2024 Wed | 4:17 pmafter market close | Jun 30, 2024 | $448M+12% y/y | $5.05−1% y/y |
| Apr 25, 2024 Thu | 4:15 pmafter market close | Mar 31, 2024 | $434M+14% y/y | $5.16+29% y/y |
| Jan 25, 2024 Thu | 4:15 pmafter market close | Dec 31, 2023 | $382M+11% y/y | $4.80+25% y/y |
| Nov 8, 2023 Wed | 4:15 pmafter market close | Sep 30, 2023 | ≈$390M+12% y/y | ≈$4.01+13% y/y |
| Aug 2, 2023 Wed | 4:16 pmafter market close | Jun 30, 2023 | $399M+14% y/y | $5.08+41% y/y |
| Apr 27, 2023 Thu | 4:16 pmafter market close | Mar 31, 2023 | $380M+6% y/y | $4.00+1% y/y |
| Jan 26, 2023 Thu | 4:15 pmafter market close | Dec 31, 2022 | $345M+7% y/y | $3.84+24% y/y |
| Nov 9, 2022 Wed | 4:17 pmafter market close | Sep 30, 2022 | ≈$349M+4% y/y | ≈$3.55+18% y/y |
| Aug 3, 2022 Wed | 4:17 pmafter market close | Jun 30, 2022 | $349M+3% y/y | $3.61−30% y/y |
| Apr 27, 2022 Wed | 4:16 pmafter market close | Mar 31, 2022 | $357M+8% y/y | $3.95+70% y/y |
| Jan 27, 2022 Thu | 4:15 pmafter market close | Dec 31, 2021 | $322M+3% y/y | $3.09+7% y/y |
| Nov 10, 2021 Wed | 4:15 pmafter market close | Sep 30, 2021 | ≈$335M−11% y/y | ≈$3.02+53% y/y |
| Aug 3, 2021 Tue | 4:17 pmafter market close | Jun 30, 2021 | $338M+8% y/y | $5.18+141% y/y |
| May 5, 2021 Wed | 4:30 pmafter market close | Mar 31, 2021 | $331M+8% y/y | $2.33+20% y/y |
| Jan 28, 2021 Thu | 4:16 pmafter market close | Dec 31, 2020 | $312M+5% y/y | $2.90+59% y/y |
| Nov 10, 2020 Tue | 4:23 pmafter market close | Sep 30, 2020 | ≈$374M+23% y/y | ≈$1.98+10% y/y |
| Jul 29, 2020 Wed | 5:26 pmafter market close | Jun 30, 2020 | $314M−0% y/y | $2.15+1% y/y |
| Apr 29, 2020 Wed | 4:39 pmafter market close | Mar 31, 2020 | $308M+11% y/y | $1.94+76% y/y |
| Jan 30, 2020 Thu | 4:19 pmafter market close | Dec 31, 2019 | $299M+14% y/y | $1.82+38% y/y |
| Nov 4, 2019 Mon | 4:16 pmafter market close | Sep 30, 2019 | ≈$305M+19% y/y | ≈$1.80+68% y/y |
| Jul 31, 2019 Wed | 4:17 pmafter market close | Jun 30, 2019 | $314M+23% y/y | $2.12+123% y/y |
| Apr 30, 2019 Tue | 4:20 pmafter market close | Mar 31, 2019 | $278M+9% y/y | $1.10+10% y/y |
| Jan 30, 2019 Wed | 4:16 pmafter market close | Dec 31, 2018 | $262M+13% y/y | $1.32+27% y/y |
| Nov 1, 2018 Thu | 4:16 pmafter market close | Sep 30, 2018 | ≈$257M+1% y/y | ≈$1.07−14% y/y |
| Jul 26, 2018 Thu | 4:15 pmafter market close | Jun 30, 2018 | $255M+10% y/y | $0.95+22% y/y |
| Apr 26, 2018 Thu | 4:16 pmafter market close | Mar 31, 2018 | $256M+12% y/y | $1.00+28% y/y |
| Jan 25, 2018 Thu | 4:17 pmafter market close | Dec 31, 2017 | $232M+6% y/y | $1.04−10% y/y |
| Nov 1, 2017 Wed | 4:19 pmafter market close | Sep 30, 2017 | $253M+7% y/y | $1.25+25% y/y |
| Jul 31, 2017 Mon | 4:16 pmafter market close | Jun 30, 2017 | $231M−3% y/y | $0.78−28% y/y |
| Apr 27, 2017 Thu | 4:18 pmafter market close | Mar 31, 2017 | $228M+10% y/y | $0.78+8% y/y |
| Jan 31, 2017 Tue | 4:19 pmafter market close | Dec 31, 2016 | $220M+10% y/y | $1.16+97% y/y |
| Nov 7, 2016 Mon | 4:19 pmafter market close | Sep 30, 2016 | $236M+1% y/y | $1.00−3% y/y |
| Jul 28, 2016 Thu | 4:16 pmafter market close | Jun 30, 2016 | $239M+14% y/y | $1.08+74% y/y |
| May 4, 2016 Wed | 4:17 pmafter market close | Mar 31, 2016 | $207M−0% y/y | $0.72+24% y/y |
| Jan 28, 2016 Thu | 4:18 pmafter market close | Dec 31, 2015 | $200M+6% y/y | $0.59+37% y/y |
| Nov 5, 2015 Thu | 4:16 pmafter market close | Sep 30, 2015 | $233M+5% y/y | $1.03−6% y/y |
| Jul 29, 2015 Wed | 4:10 pmafter market close | Jun 30, 2015 | $209M+6% y/y | $0.62+7% y/y |
| Apr 23, 2015 Thu | 4:08 pmafter market close | Mar 31, 2015 | $207M+12% y/y | $0.58−2% y/y |
| Jan 29, 2015 Thu | 4:11 pmafter market close | Dec 31, 2014 | $190M+3% y/y | $0.43−9% y/y |
| Nov 6, 2014 Thu | 4:07 pmafter market close | Sep 30, 2014 | $222M+16% y/y | $1.10+39% y/y |
| Jul 24, 2014 Thu | 4:06 pmafter market close | Jun 30, 2014 | $198M+8% y/y | $0.58+7% y/y |
| Apr 24, 2014 Thu | 4:09 pmafter market close | Mar 31, 2014 | $185M+3% y/y | $0.59+16% y/y |
| Jan 22, 2014 Wed | 4:13 pmafter market close | Dec 31, 2013 | $184M−3% y/y | $0.47−28% y/y |
| Oct 15, 2013 Tue | 6:30 ambefore market open | Sep 30, 2013 | $190M+2% y/y | $0.79+32% y/y |
| Jul 30, 2013 Tue | 4:07 pmafter market close | Jun 30, 2013 | $184M+15% y/y | $0.54−8% y/y |
| Apr 24, 2013 Wed | 4:05 pmafter market close | Mar 31, 2013 | $179M+12% y/y | $0.51−7% y/y |
| Jan 30, 2013 Wed | 4:07 pmafter market close | Dec 31, 2012 | $190M+12% y/y | $0.65−20% y/y |
| Nov 1, 2012 Thu | 4:15 pmafter market close | Sep 30, 2012 | $186M+16% y/y | $0.60−6% y/y |
| Jul 25, 2012 Wed | 4:08 pmafter market close | Jun 30, 2012 | $160M+7% y/y | $0.59+2% y/y |
| Apr 25, 2012 Wed | 4:12 pmafter market close | Mar 31, 2012 | $160M+4% y/y | $0.55+189% y/y |
| Jan 26, 2012 Thu | 4:06 pmafter market close | Dec 31, 2011 | $170M | $0.81 |
| Nov 2, 2011 Wed | 4:05 pmafter market close | Sep 30, 2011 | $160M | $0.64 |
| Aug 3, 2011 Wed | 4:35 pmafter market close | Jun 30, 2011 | $151M | $0.58 |
| May 4, 2011 Wed | 4:14 pmafter market close | Mar 31, 2011 | $153M | $0.19 |
Show all 62 reports since 2011Show fewer
How we count
Report date and time — when the company filed its results press release with the SEC (Form 8-K, Item 2.02); the regular session runs 9:30 am – 4:00 pm ET. Companies that file the 8-K late in the evening publish the release the next morning: the date is that morning, before market open, and the evening filing time is not shown. Revenue and diluted EPS — the company’s XBRL filings, EPS adjusted for stock splits; ≈ — fourth quarter derived as full year minus three quarters. Source: SEC EDGAR.
FICO: 15-year financials
| FY2025 | 1,991 | 925 | 652 | 770 | — |
| FY2024 | 1,718 | 734 | 513 | 624 | — |
| FY2023 | 1,514 | 643 | 429 | 465 | — |
| FY2022 | 1,377 | 542 | 374 | 503 | — |
| FY2021 | 1,317 | 506 | 392 | 416 | — |
| FY2020 | 1,295 | 296 | 236 | 343 | — |
| FY2019 | 1,160 | 254 | 192 | 236 | — |
| FY2018 | 1,000 | 175 | 127 | 192 | — |
| FY2017 | 935 | 182 | 133 | 206 | 1.2 |
| FY2016 | 881 | 170 | 109 | 188 | 2.5 |
| FY2015 | 839 | 138 | 86.5 | 122 | 2.5 |
| FY2014 | 789 | 162 | 94.9 | 162 | 2.7 |
| FY2013 | 743 | 162 | 90.1 | 112 | 2.8 |
| FY2012 | 676 | 168 | 92 | 104 | 2.8 |
| FY2011 | 620 | 127 | 71.6 | 122 | 3.1 |
Show all 15 yearsShow fewer
$ millions, annual 10-K reports on SEC EDGAR (US GAAP)*; the company’s fiscal year doesn’t match the calendar year so years follow the company’s own labels.
How we calculate
Figures are annual report lines; if a year was later restated (discontinued operations, mergers), we use the latest filing that shows it. Free cash flow is operating cash flow minus capital expenditures; dividends are cash paid to common shareholders during the year. “—” means the line isn’t in the filing. The table starts in 2011; where the listed issuer changed (holding reorganization, redomicile), earlier years come from the predecessor’s filings.
Shareholders’ equity at Jun 30, 2026: −$4.1B (−201% of total assets). Other S&P 500 companies with negative equity →
Included in screener lists: S&P 500 companies with revenue growth 10 years in a row
FICO earnings: FAQ
How does FICO make money?
FICO brought in $674 million of revenue in Q3 FY2026, up 25.7% year over year. The largest source was Scores: $459 million, or 68% of the total, followed by On-premises and SaaS software ($197M, 29%) and Professional services ($18.3M, 3%). Net income for the quarter was $237 million, up 30.5% year over year.
When is FICO's next earnings date?
We have not yet seen an announcement of the date from FICO (FICO). Based on last year's report on Nov 5, 2025, the next report is expected around Nov 4, 2026.
What time does FICO report earnings?
FICO usually reports after market close: its latest results release was filed with the SEC at 4:16 pm ET on Jul 29, 2026.
When did FICO last report earnings?
FICO reported Q3 FY2026 results on Jul 29, 2026.
Where can I find FICO's financial statements?
On SEC EDGAR: quarterly reports (10-Q), the annual report (10-K) and earnings releases (8-K). The “Verified” badge next to the chart links to FICO's filings; this page breaks the latest report down in a Sankey chart.
What was FICO's net income in Q3 FY2026?
FICO reported net income of $237M for Q3 FY2026 (+30.5% year over year), under US GAAP.
How has FICO's revenue changed since 2011?
Per its 10-K filings, revenue grew 3.2x: $620M in fiscal 2011 and $1,991M in fiscal 2025. The latest year is the highest in the table. Year-by-year figures are in the table above.
New to earnings reports? Start with how to read an earnings report.
How this page was made: the figures come from the company's own report on SEC EDGAR; the summary and nuances were drafted by our model from that report — two independent automated readings of the release had to match, and every number in the text was checked against it. Figures checked against the filing on 10/16/2026. How we make the breakdowns · Report an error
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