Fair Isaac

Fair Isaac Corp. engages in the provision of decision management solutions. It operates through the following segments: Applications, Scores, and Decision Management Software. The Applications segment includes decision management applications designed for a type of business problem or process such as marketing, account origination, customer management, fraud, collections, and insurance claims management. The Scores segment consists of business-to-business scoring solutions and services, business-to-consumer scoring solutions and services including myFICO solutions for consumers and associated professional services. The Decision Management Software segment comprises the analytic and decision management software tools, FICO decision management suite, and associated professional services. The company was founded by Bill Fair and Earl Isaac in 1956 and is headquartered in San Jose, CA.

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Earnings data Q1 2025

Fair Isaac (FICO) reports robust Q1 performance and eyes software-driven growth

Fair Isaac's Q1 2023 performance reflects a positive growth trajectory, with strong revenue and income increases, particularly in the Scores and Software segments.
While challenges like declining B2C revenues and high debt levels exist, the company's focus on managing expenses and enhancing shareholder value positions it well for future growth.
Opportunities lie in leveraging software growth, expanding platform usage, and making strategic investments to drive further revenue growth and customer satisfaction.

Fair Isaac (FICO) reports record Q2 revenue and raises full-year guidance

Fair Isaac (FICO) delivered robust Q2 results with record revenue and raised full-year guidance, driven by strong performance in scores and software segments.
The company showcased impressive customer retention rates, increased ACV bookings, and highlighted the rapid ROI on its software offerings.
While facing challenges in a competitive landscape, Fair Isaac has opportunities to leverage its platform demand, expand market presence, and drive sustainable growth.

Fair Isaac (FICO) reports record revenues and strong growth in Q3 2023

Fair Isaac (FICO) delivered a strong performance in Q3 2023, achieving record revenues and demonstrating robust growth across key segments. The company's strategic focus on customer retention and product innovation has yielded positive results.
Despite challenges in converting free users to paid subscribers, Fair Isaac's myFICO business remains resilient, supported by effective pricing strategies and strong demand for its platform. The raised revenue guidance underscores management's confidence in future growth.
Opportunities lie in expanding customer base, driving brand engagement through partnerships, and further monetizing services. Fair Isaac's emphasis on value addition and market penetration positions it well for sustained success in the financial services industry.

Fair Isaac (FICO) surpasses Q4 expectations, eyes growth in 2024

Fair Isaac (FICO) delivered a strong performance in Q4 2023, exceeding revenue and earnings expectations. While facing challenges such as increased expenses and declining B2C revenues, the company showcased strengths in free cash flow generation and revenue growth in key segments. With a focus on efficiencies and strategic initiatives, FICO is well-positioned to capitalize on opportunities for growth in the upcoming fiscal year.

Fair Isaac (FICO) reports strong Q1 earnings, eyes global expansion

Fair Isaac (FICO) delivered robust Q1 2024 results with revenue and net income growth across segments.
While facing challenges in revenue predictability and transition to recurring revenue models, FICO remains focused on innovation and expansion.
The company's performance in Scores and Software segments, along with a new repurchase authorization, signals confidence in future prospects.
Navigating through revenue fluctuations and seizing opportunities in new markets and product offerings will be key for sustained growth.

Fair Isaac (FICO) reports strong Q2 earnings and raises full-year guidance

Fair Isaac (FICO) delivered robust financial results in Q2 2024, driven by revenue growth and increased net income.
While facing challenges in certain segments, the company's focus on innovation and strategic positioning bode well for future success.
With raised full-year guidance and a strong product portfolio, Fair Isaac is poised for continued growth and market leadership.

Fair Isaac (FICO) reports strong Q3 earnings and software growth

Fair Isaac (FICO) delivered robust financial results in Q3 2024, with strong revenue growth, increased net income, and record free cash flow.
The company's software segment showed resilience and growth, supported by a focus on SaaS software and expanding platform ARR.
While facing challenges in a competitive market, FICO remains optimistic about sustained growth, emphasizing customer engagement and strategic partnerships.

Fair Isaac (FICO) posts record revenues and cash flow in Q4 2024, eyes growth opportunities

Fair Isaac (FICO) delivered strong financial results in Q4 2024, with record revenues and free cash flow, driven by performance in the Scores and Software segments.
While facing challenges in the B2C segment, FICO showcased strengths in innovation, market recognition, and strategic capital allocation to drive shareholder value.
The company's focus on growth opportunities through new royalties, product innovation, and favorable guidance sets a positive trajectory for future performance and market positioning.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Fair Isaac Corp. engages in the provision of decision management solutions. It operates through the Software and Scores segments. The Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process. The Scores segment focuses on business-to-business scoring solutions and services, business-to-consumer scoring solutions and services including myFICO solutions for consumers and associated professional services. The company was founded by Bill Fair and Earl Isaac in 1956 and is headquartered in San Jose, CA.

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO) Highlights: FICO named as a Leader for its innovation in FICO® Platform in the 2024 IDC MarketScape for Worldwide Decision Intelligence Platforms; The Forrester Wave™: AI Decisioning Platforms; and Chartis Research RiskTech100® 2025. FICO® Platform empowers teams to break down silos and reuse AI models and decision assets across the credit lifecycle to drive better business outcomes. FICO included in the 2024 Gartner Market Guide for Decision I.

FICO Recognized as Market Leader in Decisioning, Analytics, and AI by Leading Industry Analyst Firms

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO) Highlights: A new global FICO survey finds that more consumers reported that their family and friends have been victims of real-time payment scams in 2024 (56%) versus 2023 (51%). 50% of consumers call for their banks to “have better fraud detection systems” as the top action needed to protect them from scams. 65% of consumers across the globe say that banks should be required to reimburse scams victims for their losses. Global analytics softwa.

New FICO Survey: Consumers Will Switch Banks If Fraud Prevention Expectations Are Not Met

FICO's fourth-quarter fiscal 2024 results benefit from higher revenues from mortgage originations.

How Should Investors Approach Fair Isaac Shares Post Q4 Earnings?

Fair Isaac Corporation (FICO) Q4 2024 Earnings Call Transcript

Although the revenue and EPS for Fair Isaac (FICO) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Fair Isaac (FICO) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Fair Isaac (FICO) came out with quarterly earnings of $6.54 per share, missing the Zacks Consensus Estimate of $6.60 per share. This compares to earnings of $5.01 per share a year ago.

Fair Isaac (FICO) Lags Q4 Earnings and Revenue Estimates

FICO reported a better-than-expected fourth-quarter profit on Wednesday, thanks to strong demand for its credit-scoring products.

FICO profit beats Street expectations on strong demand

BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a global analytics software leader, today announced results for its fourth fiscal quarter ended September 30, 2024. Fourth Quarter Fiscal 2024 GAAP Results Net income for the quarter totaled $135.7 million, or $5.44 per share, versus $101.4 million, or $4.01 per share, in the prior year period. Net cash provided by operating activities for the quarter was $226.5 million versus $164.0 million in the prior year period. Fourth Quarter Fiscal 2024.

FICO Announces Earnings of $5.44 per Share for Fourth Quarter Fiscal 2024

Fair Isaac (FICO) possesses solid growth attributes, which could help it handily outperform the market.

3 Reasons Why Growth Investors Shouldn't Overlook Fair Isaac (FICO)

Fair Isaac's fourth-quarter fiscal 2024 performance is likely to have benefited from strong momentum in its scores and software businesses.

Should you Buy, Sell or Hold FICO Stock Before Q4 Earnings Release?

BERLIN--(BUSINESS WIRE)--Global analytics software leader FICO has won the Silver Award in the Analytics category at the prestigious IT Awards 2024, organized by Vogel IT-Media. The awards honor outstanding achievements and innovations in the IT sector every year. FICO was voted a winner by BigData-Insider readers for its pioneering solutions in the field of analytics. “We are proud to receive this award, which highlights our status as a top provider of advanced analytics and AI-powered solutio.

FICO Wins Silver for Analytics at Germany's IT Awards 2024

Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Fair Isaac (FICO), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended September 2024.

Curious about Fair Isaac (FICO) Q4 Performance? Explore Wall Street Estimates for Key Metrics

Builders FirstSource

AI chips powered the top two stock returns among current S&P 500 members over the past decade. For Nos. 3 and 4, think credit scores and lumber.

These 2 Stocks Gained 3,000% Over the Past Decade. No, They're Not Nvidia and AMD.

Here is how Fair Isaac (FICO) and Advantest Corp. (ATEYY) have performed compared to their sector so far this year.

Are Computer and Technology Stocks Lagging Fair Isaac (FICO) This Year?

Does Fair Isaac (FICO) have what it takes to be a top stock pick for momentum investors? Let's find out.

Are You Looking for a Top Momentum Pick? Why Fair Isaac (FICO) is a Great Choice

Fair Isaac (FICO) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Fair Isaac (FICO) Reports Next Week: Wall Street Expects Earnings Growth

DaVita

Eli Lilly

Micron Technology

Super Micro Computer

Tractor Supply

If you had to choose the best time to invest in the S&P 500 — it's the six months starting in November.

6 Stocks Dominate Market's 'Best 6 Months' — Starting This Week

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software leader FICO (NYSE: FICO) today announced a new analytic tool for mortgage professionals, the FICO® Score Mortgage Simulator. The innovative new tool simulates the potential impacts to a consumer's FICO® Score with various simulated changes to their credit report data, such as reducing credit card balances or deleting a collection account. With that valuable insight, mortgage professionals, such as brokers and lenders, can help potential.

FICO Launches FICO Score Simulator to Help Mortgage Lenders Give Consumers More Loan Options and Favorable Rates

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software leader, FICO, has announced that Atlantic Bay Mortgage Group is the latest to adopt FICO ® Score 10 T, FICO's newest, most powerful and predictive score, for its mortgages not sold to Fannie Mae or Freddie Mac. Informative Research will supply Atlantic Bay Mortgage Group with the new credit score. FICO® Score 10 T incorporates trended credit bureau data to reflect consumer credit utilization over time, rather than at a single point in t.

Atlantic Bay Mortgage Group Adopts FICO® Score 10 T to Help More Borrowers Achieve Homeownership

BOZEMAN, Mont.--(BUSINESS WIRE)--Global analytics software leader, FICO, will announce its fourth quarter fiscal 2024 results on November 6, 2024, after the market closes and will host a conference call on November 6th at 5:00 p.m. Eastern time (4:00 p.m. Central/ 2:00 p.m. Pacific). This call will be webcast and can be accessed at FICO's website at www.fico.com/investors. A replay of the webcast will be available at our Event Calendar under Past Events through November 6, 2025. About FICO FICO.

Fair Isaac Corporation Announces Date for Reporting of Fourth Quarter Fiscal 2024 Financial Results

Sometimes, a few stocks seem to grab all the headlines and attention. But there are lots of opportunities in the stock market.

Meet This Exceptional Growth Stock in the S&P 500 That's Valued 60% Higher Than Nvidia

LONDON--(BUSINESS WIRE)--The FICO UK Credit Card Market Report for August 2024 shows that while spending and payments to balance followed seasonal trends, missed payments are significantly higher in 2024 than the same period in 2023. Lenders who want to demonstrate clear alignment with Consumer Duty may want to encourage cardholders to adopt direct debit for payments, and implement proactive customer communications where delinquencies occur. Highlights Spending on credit cards increased to £835.

FICO UK Credit Card Market Report: August 2024

NORFOLK & PORTSMOUTH, Va.--(BUSINESS WIRE)---- $FICO--Global analytics software leader, FICO, and U.S. Senator Mark Warner's office continue their partnership to host a series of Score A Better Future™ credit education workshops as part of the “Virginia Financial Empowerment Series” in Norfolk and Portsmouth, Virginia, on October 29 and October 30. The latest event series builds on the initial workshops held in March reinforcing the commitment of this partnership to further enhance financial literacy thr.

FICO and U.S. Senator Mark Warner Continue Partnership to Support Financial Literacy for Virginia Residents

Is Fair Isaac (FICO) a Solid Growth Stock? 3 Reasons to Think "Yes"

FICO's shares are boosted by robust demand for its Scores and Software segment, supported by a growing customer base.

News for Fair Isaac Stock (FICO)