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.

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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.

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--Recent data from independent research firm, Mercator Advisory Group, now a part of Javelin Strategy & Research, found that asset-backed securitizations (ABS) continue to rely heavily on the FICO® Score as a risk and opportunity metric used to indicate credit quality in capital markets. The study found that more than 95% of asset-backed securitizations across seven collateral classes (i.e., Auto Leasing, Subprime Auto, Prime Auto, Student Loans, Time Shares.

FICO® Score Remains the Most Widely Used Credit Score in the Securitization Market, Keeping Lender Confidence

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BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO): Highlights: The FICO® Educational Analytics Challenge program is in pilot with students at Bowie State University and Alabama A&M University. The first-ever FICO program presents students with a real-world analytic challenge to identify and mitigate bias in data and decision models using historical housing data. Students additionally will learn how AI guardrails and Responsible AI are needed to protect and safely advance analytic practices.

FICO Partners with Historically Black Colleges and Universities to Launch Educational Analytics Challenge that Empowers Students to Innovate with AI and Analytics

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BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Highlights: FICO recognized on Forbes' list of America's Best Employers for Women 2023. This marks FICO's second time being recognized on the list. FICO conducts quarterly workforce engagement surveys to collect and act upon ideas about how to continually increase organizational effectiveness. Global analytics software leader FICO has been recognized as one of the companies on Forbes' list of The Best Employers for Women 2023. This prestigious award is presented.

FICO Named to Forbes' List of America's Best Employers for Women 2023

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software firm FICO (NYSE: FICO) today announced that Tayloe Stansbury has joined its Board of Directors. Stansbury's appointment to the Board is effective August 22, 2023. “We are excited to welcome Tayloe to the Board as a trusted advisor to FICO. His accomplished leadership and expertise in business and technology will be invaluable in helping guide FICO's success as we continue to drive innovative analytics solutions for our clients and execu.

Tayloe Stansbury Joins FICO's Board of Directors

Fair Isaac Corporation recently reported strong financial results, beating revenue and EPS estimates. The company offers credit scoring and software solutions to organizations globally. Revenue growth is accelerating, but the stock's valuation is high and loan originations may slow due to higher-for-longer interest rates.

Fair Isaac Continues Growth But Valuation Is High

Discover

HOUSTON--(BUSINESS WIRE)--PULSE, a Discover® Financial Services (NYSE: DFS) company and operator of the PULSE debit network, has agreed to an extension of its partnership with global analytics software provider FICO (NYSE: FICO). PULSE and FICO collaborate to deliver market-leading fraud-detection technology that reduces losses and risk exposure for financial institutions, merchants and consumers worldwide. This extension supports PULSE in continuing to enhance its DebitProtect® suite of advanc.

PULSE® Extends Debit Fraud Detection Agreement with FICO®

One of the most important personal financial planning tools for consumers is keeping a high credit score. A decent credit score has the potential to save borrowers thousands of dollars in interest expense as lenders recognize the value of a good credit history and typically offer lower interest rates.

Fair Isaac: Good Growth, but Expensive Stock

Fair Isaac's (FICO) third-quarter fiscal 2023 results benefit from higher revenues from mortgage, auto and credit card, personal loan and other originations.

Fair Isaac (FICO) Q3 Earnings Beat, Revenues Improve Y/Y

Fair Isaac Corporation (NYSE:FICO ) Q3 2023 Earnings Conference Call August 2, 2023 5:00 PM ET Company Participants William Lansing - President, CEO & Director Steven Weber - CFO Conference Call Participants Manav Patnaik - Barclays Bank Faiza Alwy - Deutsche Bank Surinder Thind - Jefferies Rajiv Bhatia - Morningstar Inc. Jeffrey Meuler - Robert W. Baird & Co. George Tong - Goldman Sachs Group Kyle Peterson - Needham & Company Operator Greetings, and welcome to the Fair Isaac Corporation Quarterly Earnings Call.

Fair Isaac Corporation (FICO) Q3 2023 Earnings Call Transcript

Fair Isaac (FICO) came out with quarterly earnings of $5.66 per share, beating the Zacks Consensus Estimate of $5.30 per share. This compares to earnings of $4.47 per share a year ago.

Fair Isaac (FICO) Surpasses Q3 Earnings and Revenue Estimates

BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today announced results for its third fiscal quarter ended June 30, 2023. Third Quarter Fiscal 2023 GAAP Results Net income for the quarter totaled $128.8 million, or $5.08 per share, versus $93.5 million, or $3.61 per share, in the prior year period. The current quarter earnings include a noncash reduction to income tax expense of $9.5 million, or $0.37 per share, associa.

FICO Announces Earnings of $5.08 per Share for Third Quarter Fiscal 2023

Fair Isaac (FICO) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Why Earnings Season Could Be Great for Fair Isaac (FICO)

CHICAGO--(BUSINESS WIRE)---- $FICO--Global analytics firm, FICO (NYSE: FICO), will host a free Score A Better Future credit education event on August 2, 2023. The event will provide Chicagoans the knowledge and resources to gain a better understanding of their financial health, including the role of credit and a breakdown the FICO® Score, the credit score used by 90% of top US lenders to measure consumer credit risk. Marking the last stop on the Chelsea Football Club pre-season five match U.S. summer tou.

FICO Hosts Free Financial Literacy Event for Chicago Residents During Final Stop of Chelsea FC's Summer Tour

BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a leading predictive analytics and decision management software company, will announce its third quarter fiscal 2023 results on August 2, 2023, after the market closes and will host a conference call on August 2nd 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 Ev.

Fair Isaac Corporation Announces Date for Reporting of Third Quarter Fiscal 2023 Financial Results

Fair Isaac (FICO) possesses 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) to Report Q3 Results: Wall Street Expects Earnings Growth

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software firm FICO (NYSE: FICO) today announced that it has been named a category leader for enterprise fraud solutions for the fourth year in a row in Chartis' Enterprise Fraud Solutions Market Update and Vendor Landscape report. As a Category Leader for enterprise fraud, FICO stands out for advanced and proprietary fraud detection techniques, behavioral monitoring, libraries of pre-packaged fraud rules, transaction monitoring, and identity man.

FICO Recognized by Chartis as Enterprise Fraud Solutions Category Leader for Fourth Consecutive Year

ATLANTA--(BUSINESS WIRE)---- $FICO--Global analytics firm, FICO (NYSE:FICO), will host a free Score A Better Future credit education event on July 25, 2023, to provide Atlanta and surrounding area residents with the knowledge and educational tools to gain better insight into their financial health, understanding of how to achieve their financial goals, and FICO® Scores. The standard measure of consumer credit risk in the U.S., FICO® Scores are used by 90 percent of top US lenders in credit decisions. The.

FICO Provides Financial Literacy Empowerment with Free Credit Education Event During Chelsea FC's Atlanta Stop

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SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--Highlights: FICO's Score A Better Fundamentals program empowers middle-and-high-school-aged students with financial literacy and knowledge to make informed credit decisions that last a lifetime. FICO is partnering with Chelsea Football Club and U.S. Soccer Foundation to showcase Score A Better Future Fundamentals during every stop of Chelsea's summer tour and bring students to the matches. This initiative is part of FICO's commitment to financial inclusion thr.

FICO Showcases Credit Education Program for Teens During Chelsea FC Summer Tour to Promote Financial Literacy and Empowerment

CHAPEL HILL, N.C.--(BUSINESS WIRE)---- $FICO--Global analytics firm, FICO (NYSE:FICO), will host a free Score A Better Future credit education event on July 19, 2023 to provide Chapel Hill residents with the knowledge and tools to gain better insight into their financial health and understanding of their FICO® Scores. The event is part of FICO's partnership with the globally renowned Chelsea Football Club as they embark on their pre-season U.S. summer tour. The ‘Fields of Financial Empowerment' campaign.

FICO Hosting Free Credit Education Event in Chapel Hill to Help Drive Financial Literacy

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO): Highlights: FICO continues to drive unique industry specific innovation in machine learning and technology innovations to successfully operationalize AI at scale. FICO's current patent portfolio consists of 218 active patents, with an additional 71 patent applications filed and pending. Global analytics software firm FICO has been granted 9 patents, 3 foreign and 6 U.S., related to digital decisioning in the areas of fraud, artificial intellig.

FICO Awarded 9 New Patents Used in FICO Platform and Fraud Solutions that Utilize Sophisticated AI to Improve Decision Accuracy

Fair Isaac (FICO) announces partnership with Belvo to create open finance score model for Latin America. This reflects on its strong product portfolio and expanding clientele.

Fair Isaac (FICO) Partners With Belvo to Expand Credit Access

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--Global analytics firm, FICO (NYSE:FICO), will host a free national “Score A Better Future” educational webinar on June 20, 2023 to provide consumers with the knowledge and tools to gain better insight into their financial health and the elements of homeownership. The event speakers include FICO's Tom Quinn and Yolanda Butler of Operation HOPE – both experts in credit and financial education. This homeownership webinar is part of FICO's “Score A Better Future”.

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