-- 独立研究机构CFRA向提供了以下研究报告。CFRA分析师总结如下：FICO公布了2026财年第二季度的卓越业绩，营收达6.92亿美元（同比增长39%），超出市场预期的6.27亿美元10%；非GAAP每股收益为12.50美元（同比增长60%），远超市场预期的10.97美元14%。信用评分业务板块表现强劲，营收达4.75亿美元（同比增长60%），其中B2B业务收入增长72%，主要得益于抵押贷款发放价格和交易量的提升。这验证了FICO的定价策略，并展现了其在信用决策领域的市场主导地位。软件业务也取得了令人鼓舞的进展，平台年度经常性收入同比增长49%，平台基于美元的净留存率达到136%，表明云迁移取得成功。营业利润率提升900个基点至58.2%，显示出显著的杠杆效应，而自由现金流飙升227%至2.14亿美元。管理层上调了2026财年业绩预期，营收从23.5亿美元增至24.5亿美元，每股收益预期从38.17美元上调至40.45美元，这两项预期均低于市场普遍预期。我们认为，管理层正在权衡对近期抵押贷款评分需求和平台软件市场表现的信心，以及新的竞争格局。
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