FICO vs Workato

10-Q Financial Filing Analysis for FICO (2026-07-29)

Fair Isaac Corporation (FICO) reported strong financial results for the third quarter of fiscal 2026 ended June 30, 2026. Total quarterly revenues rose 26% year-over-year to $674.2 million, driven by a 41% surge in Scores segment revenue ($458.9 million), which benefited from higher mortgage origination scores unit pricing. Software revenue rose 2% to $215.3 million, with SaaS software growing 21% and Platform software ARR jumping 62% year-over-year. Operating income climbed 38% to $362.6 million, and diluted EPS reached $10.45 (+41% YoY). In June 2026, FICO amended its credit facility to secure a $1.5 billion term loan to fund a $1.5 billion accelerated share repurchase program, resulting in $2.3 billion returned to shareholders via share buybacks during the quarter.

• Q3 FY2026 total revenue increased 26% year-over-year to $674.2 million, and net income increased 30% to $237.2 million (diluted EPS of $10.45 vs. $7.40 in Q3 FY2025).
• Scores segment revenue grew 41% YoY to $458.9 million with an operating margin of 91%, primarily fueled by increased unit pricing on B2B mortgage origination scores.
• FICO secured a $1.5 billion unsecured term loan maturing May 2028 and executed a $1.5 billion Accelerated Share Repurchase agreement, repurchasing $2.3 billion of stock in Q3.

New FICO Blog Posts on Overlimit Authorizations, Fraud Defences, and Customer Management

Three new blog posts added: 'Overlimit Authorizations: Enhancing Credit Card Portfolio Revenue by Managing Insufficient Funds Declines' (Sep 10, 2026), 'How Fraud Defences Must Evolve to Protect Agentic Commerce' (Sep 9, 2026), and 'Smarter Customer Management: How Fraud Signals Unlock Intelligent, Real-Time Decisioning' (Sep 7, 2026).

Workato Named Gartner Customers' Choice for iPaaS

Workato, a leading control and execution platform for enterprise AI, has been recognized as a Customers' Choice in the 2026 Gartner Peer Insights 'Voice of the Customer' for Integration Platform as a Service (iPaaS) for the third time. The recognition is based on user reviews, with Workato receiving a rating of 4.9 out of 5.0 stars, the highest among all vendors in the report, and no reviews below four stars out of 112 reviews as of June 30, 2026. 97% of customers indicated they would recommend the platform. Workato's platform provides a neutral layer for AI orchestration, helping enterprises mitigate risk, improve token costs, and scale AI with governance. The company recently expanded its platform with the general availability of Workato AIRO, a multi-agent system for agentic engineering.

• Workato named Customers' Choice in 2026 Gartner Peer Insights 'Voice of the Customer' for iPaaS for the third time.
• Workato achieved a 4.9 out of 5.0 star rating, the highest of any vendor in the report.
• Based on 112 reviews as of June 30, 2026, with 97% of customers willing to recommend the platform.

Workato unveils AIRO, new Control and Execution Platform for Enterprise AI

At its WOW 2026 conference, Workato unveiled AIRO as the new primary interface for its platform, along with several enhancements: Live Process Graph for enterprise process context, an Enterprise AI Control Plane for governance and cost control (including Model Gateway and AI Registry), Agent Evals for continuous agent monitoring, and Workato XChange, an internal marketplace for reusable AI assets. These additions aim to help enterprises scale AI deployments with governance and efficiency. Workato CEO Vijay Tella emphasized the need for a neutral control layer to enable effective AI scaling. TCS consultant Shailesh Ghaisas noted AIRO's potential to accelerate modernization while maintaining governance.

• Workato unveiled AIRO as the new primary interface for building, deploying, and governing AI on its platform.
• Live Process Graph provides AI with enterprise process context, including business knowledge, design, and runtime execution.
• The Enterprise AI Control Plane includes an AI Gateway spanning Model, MCP, Agent, and API Gateways.

Workato Launches Otto AI Superagent for Teams

Workato announced a self-serve launch of Otto — an autonomous, multiplayer AI "superagent" — now available to individuals and teams via Slack, the web, and SMS with a 30-day free trial. Otto runs on Workato’s control and execution platform and is powered by Anthropic’s Claude through the Claude Agent SDK. The agent plans and executes multi-step projects across applications (claiming access to 1,400+ connectors) and builds persistent memories tied to team and individual context. Customers and partners quoted in the announcement include GitLab, Casco, and Box, which describe integrations (including a native GitLab plugin) and use cases spanning marketing campaigns, sales tracking, and go-to-market operations.

• Workato announced Otto is available to individuals and teams in Slack, on the web, and via SMS.
• Otto is powered by Claude, Anthropic’s model, via the Claude Agent SDK.
• Workato says Otto can act across more than 1,400 business application connectors and 20 widely used work apps.