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FICO · Q3 FY2026
Archived report (Q3 FY2026). Latest deep dive →
The quarter in brief
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.
Net income
$237M
up 30.5% y/y
Total revenues
$674M
up 25.7% y/y
Operating income
$363M
up 38.1% y/y
All figures in $M.
| Line item | Amount and change |
|---|---|
| On-premises and SaaS software | $197 · +4.8% |
| Professional services | $18.3 · −24.3% |
| Scores | $459 · +41.5% |
| Total revenues | $674 · +25.7% |
| Cost of revenues | $87 · −0.6% |
| Research and development | $53.7 · +13.8% |
| Selling, general and administrative | $171 · +22.8% |
| Operating income | $363 · +38.1% · 53.8% margin |
| Other expense, net | $48 · +87.9% |
| Income before income taxes | $315 · +32.8% |
| Provision for income taxes | $77.5 · +40.4% · 24.6% effective rate |
| 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).
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Chart: “FICO Q3 FY2026: where the revenue went” by Who Reports Today, https://whoreportstoday.com/t/fico/q3-fy2026. Licensed under CC BY 4.0.
<figure> <a href="https://whoreportstoday.com/t/fico/q3-fy2026"><img src="https://whoreportstoday.com/t/fico/q3-fy2026/sankey.png" alt="FICO Q3 FY2026: where the revenue went" loading="lazy" style="max-width:100%;height:auto"></a> <figcaption>Source: <a href="https://whoreportstoday.com/t/fico/q3-fy2026">Who Reports Today</a>, licensed under <a href="https://creativecommons.org/licenses/by/4.0/">CC BY 4.0</a></figcaption> </figure>
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<a href="https://whoreportstoday.com/t/fico/q3-fy2026">FICO Q3 FY2026 earnings chart (Who Reports Today)</a>
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- Scores revenues were $458.9 million in the third quarter, compared to $324.3 million in the prior year period.
- Operating income was $363M (+38.1% y/y), an operating margin of 53.8% vs 48.9% a year ago.
- Income tax of $77.5M implies an effective rate of 24.6% vs 23.3% a year ago.
- Diluted EPS was $10.45 vs $7.40 a year ago (+41.2%), while net income changed +30.5%.
What distorts the picture in this report and what to watch beyond the headlines.
FICO — an American analytics software company best known for the FICO Score, a widely used measure of consumer credit risk in the U.S. Banks, card issuers, insurers and other businesses use its scores and decision software.
It earns money in two segments: Scores (business and consumer scoring, including myFICO.com) and Software (analytics and decision management platforms). · Source: annual report (Form 10-K, SEC)
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