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北京时间·🕒 发布 04:20:26时区推断·⟳ 抓取 04:20:43·⚡ 决策 07-30 04:21:47 +1m04s·89.5 天前
Fair Isaac公布2026财年三季度业绩：EPS超预期但收入与全年指引低于一致预期
本次财报核心信息偏混合：调整后EPS为12.18美元、高于预期11.74美元，但收入674.2百万美元低于预期678.9百万美元。
📄 原文Wall St Engine@wallstengine↗ 原文
FAIR ISAAC $FICO Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $674.2M (Est. $678.9M) 🟡; +26% YoY 🔹 Adj. EPS: $12.18 (Est. $11.7…
不做 Fair Isaac（FICO.US）
财报为EPS beat但收入和全年指引低于一致预期的混合信号，且财报日程已被市场预期；没有清晰同向edge，不做。
展开详情(成交明细 / 研究档案 / 原文全文 / 决策记录链)
研究档案
消息传播链
- FICO提前公告将在2026-07-29盘后发布2026财年三季度业绩并召开电话会，财报披露时间本身已被市场预期。
- 社媒即时转述FICO三季度业绩：EPS beat、收入miss、全年指引上调但低于一致预期。
关键理由
- 本次财报核心信息偏混合：调整后EPS为12.18美元、高于预期11.74美元，但收入674.2百万美元低于预期678.9百万美元。
- 公司上调全年收入和EPS指引，但上调后的FY26收入2.53十亿美元、调整后EPS 42.43美元仍低于市场预期2.55十亿美元和43.18美元，难以形成清晰追多预期差。
- Scores收入同比增长41%仍强，但Software收入仅同比增长2%、ARR增长10%，增长结构分化，财报后更适合等待市场消化而非盘后抢方向。
主要风险
- 若盘后电话会给出更强的Scores定价、抵押贷款量或软件平台ARR解释，可能缓和收入和指引低于预期的压力。
- 若市场更看重EPS beat和自由现金流增长，次日可能高开，但当前信号本身不是单边利好。
反向证据
- 做多前查反向 · 来源 web · 日期 2026-07-29 · 影响 weakens
收入低于预期且FY26收入和调整后EPS指引仍低于一致预期，削弱财报追多逻辑。
检索:FICO Q3 2026 earnings revenue miss guidance below consensus 原文 ↗ - 做空前查反向 · 来源 web · 日期 2026-07-29 · 影响 weakens
调整后EPS超预期、Scores收入同比增长41%、自由现金流同比增长34%，不足以把该财报定义成明确强空催化。
检索:FICO Q3 2026 EPS beat Scores revenue growth free cash flow growth 原文 ↗
原文全文
展开原文 · 797 字
FAIR ISAAC $FICO Q3’26 EARNINGS HIGHLIGHTS
🔹 Revenue: $674.2M (Est. $678.9M) 🟡; +26% YoY
🔹 Adj. EPS: $12.18 (Est. $11.74) 🟢; +42% YoY
🔹 Scores Revenue: $458.9M; +41% YoY
Raises FY26 Guide:
🔹 Revenue: $2.53B (Est. $2.55B) 🟡; from $2.45B
🔹 Adj. EPS: $42.43 (Est. $43.18) 🟡; from $40.45
🔹 GAAP EPS: $36.86; from $35.60
🔹 GAAP Net Income: $850M; from $825M
🔹 Non-GAAP Net Income: $979M; from $946M
Segment Net Revenue:
🔹 Scores: $458.9M; +41% YoY
🔹 Software: $215.3M; +2% YoY
Other Q3 Metrics:
🔹 Software ARR: +10% YoY
🔹 Software Net Retention Rate: 109%
🔹 Free Cash Flow: $370.3M; +34% YoY
Comments:
🔸 “We delivered another quarter of strong performance, driven by the successful execution of our strategic priorities.”
🔸 “We are pleased to announce that we are raising our full year guidance.”
🔹 Revenue: $674.2M (Est. $678.9M) 🟡; +26% YoY
🔹 Adj. EPS: $12.18 (Est. $11.74) 🟢; +42% YoY
🔹 Scores Revenue: $458.9M; +41% YoY
Raises FY26 Guide:
🔹 Revenue: $2.53B (Est. $2.55B) 🟡; from $2.45B
🔹 Adj. EPS: $42.43 (Est. $43.18) 🟡; from $40.45
🔹 GAAP EPS: $36.86; from $35.60
🔹 GAAP Net Income: $850M; from $825M
🔹 Non-GAAP Net Income: $979M; from $946M
Segment Net Revenue:
🔹 Scores: $458.9M; +41% YoY
🔹 Software: $215.3M; +2% YoY
Other Q3 Metrics:
🔹 Software ARR: +10% YoY
🔹 Software Net Retention Rate: 109%
🔹 Free Cash Flow: $370.3M; +34% YoY
Comments:
🔸 “We delivered another quarter of strong performance, driven by the successful execution of our strategic priorities.”
🔸 “We are pleased to announce that we are raising our full year guidance.”
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