Fair Isaac stock posts strong quarter but withholds FY27 outlook

Published on 11/12/2026 at 03:19 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Fair Isaac stock posted strong fourth-quarter growth, but the company withheld fiscal 2027 guidance as mortgage pricing changes remain unsettled. Analysts remain divided.

Results Beat, Outlook Remains Unclear

Fair Isaac reported strong fourth-quarter fiscal 2026 growth, led by Scores and Software revenue.
The company withheld fiscal 2027 guidance while mortgage pricing changes and market conditions remain unsettled.
Analysts responded with a mix of target-price cuts and maintained positive ratings after the earnings release.

Fair Isaac Corp., US3032501047, Illustration mit AI erstellt.

Fair Isaac Corp. reported fourth-quarter fiscal 2026 results on November 4, with revenue of USD 657.0 million, up 27 percent from the prior-year period. GAAP diluted earnings per share reached USD 8.12, while adjusted earnings per share came to USD 11.10. The figures exceeded analyst expectations, according to the StockTitan filing summary.

Strong Quarter, Limited Visibility

Scores revenue increased to USD 413.8 million, a 33 percent gain, while Software revenue rose 19 percent to USD 243.2 million. Operating cash flow reached USD 294.2 million and free cash flow was USD 284.3 million.

Fair Isaac did not provide fiscal 2027 guidance. The company said bespoke mortgage pricing programs and agreements were still being finalized, while elevated interest rates and affordability pressures continued to weigh on mortgage originations. The lack of an outlook leaves investors with less visibility into the next fiscal year despite the quarterly beat.

Analysts Reassess Price Targets

Several analysts lowered their targets after the results. Needham cut its target to USD 925 from USD 1,100 while keeping a Buy rating, and Barclays reduced its target to USD 800 from USD 875 while maintaining an Overweight rating. RBC downgraded the shares to Sector Perform and lowered its target to USD 770, according to MarketBeat reports summarized after the earnings release.

Fair Isaac stock traded at 659.00 euros on Lang & Schwarz at 11:00 p.m. CET on Wednesday, November 11, 2026.

Analytics Across Global Industries

FICO describes itself as an analytics software company serving businesses in more than 80 countries. Its products support risk management, fraud prevention, customer relationship management, operational optimization and regulatory compliance, while the FICO Score remains a widely used measure of consumer credit risk in the United States. The company serves financial services, insurance, retail, health care, automotive, telecommunications and other industries from its global operations.