FICO earnings — November 4, 2026 results
MyStockButler's October 2026 analysis: FICO reports its next results on November 4, 2026. Watch whether mortgage-score volume, pricing and software demand support cash after buybacks.
What has FICO guided for fiscal 2026?
Forward guidance is management’s public estimate of future performance. For the year ended September 2026, July 29 guidance called for revenue of $2.53 billion and GAAP net income of $850 million. It also called for GAAP diluted EPS of $36.86 and non-GAAP EPS of $42.43.
| Period guided | Low | High | Date given | |
|---|---|---|---|---|
| Revenues | Year to Sep 2026 | 2,530 | 2,530 | Jul 29, 2026 |
| GAAP Net Income | Year to Sep 2026 | 850 | 850 | Jul 29, 2026 |
| GAAP EPS | Year to Sep 2026 | 36.86 | 36.86 | Jul 29, 2026 |
| Non-GAAP EPS | Year to Sep 2026 | 42.43 | 42.43 | Jul 29, 2026 |
| Aggregate pre-tax charges | Quarter to Sep 2026 | 27.0 | 27.0 | Oct 6, 2026 |
| Elimination of positions (%) | By quarter to Jun 2027 | 15.0% | 15.0% | Oct 6, 2026 |
What this means. Non-generally accepted accounting principles net income and earnings per share are higher because they leave out certain costs included in standard accounting.
Did FICO keep its past promises?
FICO’s promise-keeping record merits 4/5. Across four completed years, revenue, GAAP EPS and non-GAAP EPS exceeded both initial and final guidance. The qualification is fiscal 2023, when FICO reduced revenue guidance after transferring its Siron compliance business. A recent analyst expectation of $43.21 also shows why beating management’s target may still disappoint investors.
| What management forecast | Checked | Above | Within | Below |
|---|---|---|---|---|
| Revenues | 4 years | 4 | 0 | 0 |
| GAAP EPS | 4 years | 4 | 0 | 0 |
| Non-GAAP EPS | 4 years | 4 | 0 | 0 |
What do FICO’s recent quarters show?
Revenue rose to $674.2 million from $536.4 million a year earlier, while operating income increased to $362.6 million. Net income rose to $237.2 million, and diluted EPS reached $10.45 as fewer shares divided the earnings.
| Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | 674,188 | 691,677 | 511,959 | 515,751 | 536,415 | 498,735 | 439,968 | 453,809 |
| Gross margin | 87.1% | 86.8% | 83.0% | 82.3% | 83.7% | 82.4% | 80.1% | 80.3% |
| Operating income | 362,628 | 402,465 | 234,049 | 237,156 | 262,518 | 245,648 | 179,528 | 197,178 |
| Net income | 237,172 | 264,458 | 158,373 | 155,014 | 181,789 | 162,615 | 152,528 | 135,691 |
| EPS, diluted | 10.45 | 11.14 | 6.61 | 6.42 | 7.40 | 6.59 | 6.14 | 5.44 |
| = Free cash flow | 370,342 | 214,316 | 165,376 | 210,844 | 276,239 | 65,491 | 186,826 | 219,355 |
What this means. The company's published capital spending is one thousand dollars lower because it rounds the underlying cash numbers differently from our calculation.
What should you watch in FICO’s next results?
FICO is scheduled to report fiscal fourth-quarter and full-year results on November 4, 2026. Investors should examine mortgage-score volume, pricing, software demand, cash after buybacks and the updated debt position, not EPS alone.