Citable filing context
FICO's research view summarizes recent SEC filing context, starting with earnings from Jul 29, 2026.
| Filed | Item | Context |
|---|---|---|
| Jul 29, 2026 | earnings | FICO reported Q3 2026 revenue of $674.2 million and GAAP net income of $237.2 million. |
| Jun 8, 2026 | share_repurchase | FICO authorized a $2.0 billion share repurchase program and entered into a $1.5 billion accelerated repurchase agreement. |
| Apr 28, 2026 | earnings | FICO reported Q2 fiscal 2026 revenue of $691.7 million and GAAP EPS of $11.14. |
| Jul 29, 2026 | Guidance: gaap_eps | not reported to 36.86 |
| Jul 29, 2026 | Guidance: gaap_net_income | not reported to 850.00 |
| Jul 29, 2026 | Guidance: non_gaap_eps | not reported to 42.43 |
| Jul 29, 2026 | mda_quarterly | FICO reported strong financial performance for the quarter ended June 30, 2026, with total revenue reaching $674.2 million, a 26% year-over-year increase. Growth was primarily driven by the Scores segment, which saw revenue surge 41% to $458.9 million, largely due to higher unit pricing and increased volume in mortgage origination scores. Conversely, the Software segment grew modestly by 2%, as SaaS growth for the FICO Platform was partially offset by a strategic reduction in lower-margin professional services. The company’s Software segment remains focused on recurring revenue, reporting $815.8 million in Annual Recurring Revenue (ARR) and a 109% Dollar-Based Net Retention Rate. Management emphasizes the FICO Platform as a key growth driver, with platform-based ARR now representing 51% of the total software mix. To support capital allocation, FICO significantly increased share repurchases, spending $2.3 billion during the quarter, including $1.5 billion under an accelerated share repurchase agreement. This activity was funded by a new $1.5 billion term loan and existing credit facilities, bringing total debt to $5.6 billion. Despite higher interest expenses from increased leverage, the company maintains sufficient liquidity to fund operations and debt obligations for the foreseeable future. |
| Apr 28, 2026 | mda_quarterly | FICO reported total revenues of $691.7 million for the quarter ended March 31, 2026, a 39% year-over-year increase. Growth was primarily driven by the Scores segment, where revenues rose 60% to $475.0 million due to higher unit pricing and increased mortgage origination volumes. The Software segment grew 7% to $216.7 million, with expansion concentrated in SaaS revenue for the FICO Platform. Platform ARR reached $348.8 million, now representing 44% of total Software ARR, and achieved a Dollar-Based Net Retention Rate of 136%, contrasting with the 90% DBNRR of non-platform products. Operating income rose 64% to $402.5 million, benefiting from the high-margin nature of the Scores business, which reduced cost of revenues as a percentage of total revenue to 13%. FICO maintains an aggressive capital return strategy, repurchasing $611.3 million in shares during the quarter under a new $1.5 billion authorization. To manage liquidity and debt, the company issued $1.0 billion in senior notes in March 2026 to repay maturing 2018 notes and reduce revolving credit balances, bringing total debt to $3.6 billion. Cash and cash equivalents stood at $219.4 million as of March 31, 2026. |
Source: SEC EDGAR filing text and events; period Jul 29, 2026; filed Jul 29, 2026.
FICO company research is free during early access. All you need is an account, with no card required. The five showcase tickers (TSLA, NVDA, AAPL, AMZN, PLTR) and the macro dashboard stay open without one.
Continue research
Follow same-sector companies and source explainers connected to the research view.
A factual guide to SEC Form 8-K current reports and the material company events they can disclose between quarterly filings.
A factual guide to quarterly SEC Form 10-Q reports, how they differ from annual 10-K filings, and what readers can inspect first.
A factual guide to Form S-1 registration statements and the disclosures companies provide before a public offering.
A factual guide to the core 10-K sections investors use for company context: business description, risk factors, MD&A, financial statements, and segment disclosures.