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

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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.

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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.

FICO benefits from robust demand for its Scores and Software segment, which is supported by a growing customer base.

Fair Issac Surges 87% YTD: Buy Now or Wait for a Cheaper Deal?

LONDON--(BUSINESS WIRE)--At the Banking Tech Awards in London, global analytics software leader FICO won the Tech of the Future – Blockchain and Tokenisation award for its innovative work using blockchain technology for AI model governance. FICO's use of blockchain to advance responsible AI is the first time blockchain has been used to track end-to-end provenance of a machine learning model, to meet responsible AI and regulatory requirements. More information: https://www.fico.com/blogs/how-use.

FICO Wins Banking Tech Award for Blockchain and AI Innovation

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NEW YORK, Dec. 13, 2024 (GLOBE NEWSWIRE) -- Keefe, Bruyette & Woods, Inc., a leading specialist investment bank to the financial services and fintech sectors, and a wholly owned subsidiary of Stifel Financial Corp. (NYSE: SF), announces the upcoming index rebalancing for the fourth quarter of 2024.

KBW Announces Index Rebalancing for Fourth-Quarter 2024

BOZEMAN, Mont. & SAN DIEGO--(BUSINESS WIRE)---- $FICO--Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, and FICO, a global analytics software leader, have today announced a strategic collaboration to integrate FICO® Score 10 T for mortgage asset buyers and sellers on MCT Marketplace. The firms anticipate that mortgage lenders and investors transacting on the largest mortgage asset exchange for the U.S. secondary market, MCT Marketplace, will be.

MCT and FICO Collaborate to Bring Predictive FICO® Score 10 T to Secondary Mortgage Marketplace

ATLANTA--(BUSINESS WIRE)---- $FICO--HOPE Global Forum - Global analytics software leader FICO (NYSE: FICO) today announced the launch of its Lenders Leading Inclusion™ Program to empower Community Development Financial Institutions (CDFIs) and Minority Depository Institutions (MDIs) to responsibly expand access to credit for underserved communities. By offering access to cutting-edge alternative data scores and financial inclusion strategies, FICO aims to responsibly expand credit access to more people a.

FICO Launches Lenders Leading Inclusion Program to Expand Credit Access for Underserved Communities

Fair Isaac (FICO) reported earnings 30 days ago. What's next for the stock?

Why Is Fair Isaac (FICO) Up 8.8% Since Last Earnings Report?

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BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software leader FICO (NYSE: FICO) today announced a significant milestone in housing finance: the launch of the first ever government-issued mortgage-backed security (MBS) with loans decisioned using FICO® Score 10 T. This historic MBS pool, issued by Cardinal Financial (Cardinal), included VA loans assessed through FICO's most innovative scoring model, setting a new precedent for smarter lending decisions and increased borrower inclusion. FICO®.

Cardinal Financial Completes Issue of First Ever Mortgage-Backed Security Containing Loans Decisioned with the help of FICO Score 10 T

BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE: FICO) Highlights: Nate Silver and Jordan Ellenberg have joined FICO® World 2025 as keynote speakers FICO® World will showcase speakers from more than 50 companies, sharing their successful strategies for using AI and applied intelligence to forge stronger customer bonds More than 1,500 business leaders from 60+ countries are expected to attend FICO® World 2025 Global analytics software leader FICO today announced that Nate Silver will deliver a keyno.

Nate Silver to Explore Risk and Navigating Uncertainty at FICO World 2025

TORONTO--(BUSINESS WIRE)---- $FICO--New annual data from FICO, the global analytics software leader, shows that the average FICO® Score for Canadian consumers has dropped two points from April 2023 to 760. The data shows an upward trend in consumer missed payments and debt levels. The FICO® Score is the industry standard measure of credit risk that help enable lenders to make more accurate decisions about a borrower's credit risk and reflects the credit history data maintained by the two Canadian consume.

Average Canadian FICO Score Drops from 762 to 760, Mirroring Modest Consumer Debt Level Increases and Economic Uncertainty

ATLANTA--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO) Highlights: The event on November 22 features a fireside chat with Atlanta-based Tennis Star Chris Eubanks and Congresswoman Nikema Williams. Students attending the workshop will gain free access to valuable credit tools and financial education to support their financial literacy journey. 90% of Gen Z young adults state that their current financial situation would improve if they had access to more personal finance resources and education, FICO survey.

Tennis Star Chris Eubanks, Congresswoman Nikema Williams and FICO to Host Financial Literacy Event for Atlanta HBCU Students

LONDON--(BUSINESS WIRE)--(International Fraud Awareness Week) – A new solution from global analytics leader FICO and Jersey Telecom (JT) received the Best Anti-Fraud Solution award at the Credit & Collections Technology Awards on November 7 in Manchester. The FICO® Customer Communications Service Scam Signal solution uniquely uses telephony signals to detect potential scams. The solution, which is available in the UK and soon to launch in Spain, also won silver in the Datos Insights awards.

Scam Signal Solution from FICO and Jersey Telecom Wins Anti-Fraud Award

MADRID--(BUSINESS WIRE)--Global analytics software leader FICO has just released the results of its survey on real-time payments (RTP) that shows that 80% of consumers in Spain have received a text, email, or phone call they thought was part of a scam, 4% more than just a year ago. More information: https://www.fico.com/es/latest-thinking/ebook/2024-scams-impact-survey-spain-spanish According to FICO's research, scams related to RTP are on the rise in Spain, as are both the amount and frequency.

8 out of 10 Spanish Consumers Have Received Scam Attempts

The service allows credit union borrowers to resolve past-due loan payments hassle-free SAN ANTONIO and BOZEMAN, Mont. , Nov. 19, 2024 /PRNewswire/ -- SWBC, a diversified financial services company, is proud to announce its enhanced relationship with FICO®, a global analytics software company, by introducing a comprehensive managed collections service integrated with FICO's omnichannel customer communication capabilities.

SWBC Launches Preferred Collect™ with FICO®

I maintain a hold rating on FICO due to its stretched valuation, despite strong fundamentals and robust growth in Scores and Software segments. Fair Isaac's Q4 revenue grew 16.4% y/y, driven by 27.4% growth in Scores revenue and 5.4% growth in Software revenue. The potential for continued growth exists, but the high forward PE multiple of 70x makes a bullish stance difficult to justify.

Fair Isaac: I Am Still Hold Rated As The Valuation Multiple Is Too High

LONDON--(BUSINESS WIRE)--(International Fraud Awareness Week) — A new study of 12,000 consumers across 14 countries by global analytics software leader FICO has underscored the need for banks to strike a better balance between customer satisfaction and fraud mitigation as real-time payments (RTP) surge in popularity. In the survey, 26% percent of UK consumers said that they have reported actual or suspected scam losses to their bank. More information: https://www.fico.com/en/latest-thinking/ebo.

FICO Survey: Brits Call for Stronger Protection as One in Four Report Scam Losses

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

News for Fair Isaac Stock (FICO)