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.

Fair Isaac's (FICO) fourth-quarter fiscal 2023 results benefit from higher revenues from mortgage and auto origination's.

Fair Isaac (FICO) Q4 Earnings Beat, Revenues Increase Y/Y

Fair Isaac Corporation (NYSE:FICO ) Q4 2023 Earnings Conference Call November 8, 2023 5:00 PM ET Company Participants Dave Singleton - VP, IR William Lansing - President, CEO & Director Steven Weber - CFO Conference Call Participants Faiza Alwy - Deutsche Bank George Tong - Goldman Sachs Ashish Sabadra - RBC Capital Markets Seth Weber - Wells Fargo Securities Jeff Meuler - Robert W. Baird Manav Patnaik - Barclays Operator Greetings and welcome to the Fair Isaac Corporation Quarterly Earnings Call.

Fair Isaac Corporation (FICO) Q4 2023 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 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Fair Isaac (FICO) Reports Q4 Earnings: What Key Metrics Have to Say

BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today announced results for its fourth fiscal quarter ended September 30, 2023. Fourth Quarter Fiscal 2023 GAAP Results Net income for the quarter totaled $101.4 million, or $4.01 per share, versus $90.7 million, or $3.55 per share, in the prior year period. Net cash provided by operating activities for the quarter was $164.0 million versus $144.8 million in the prior year.

FICO Announces Earnings of $4.01 per Share for Fourth Quarter Fiscal 2023

FICO has strong fundamentals and a history of annual revenue growth, with the scores business driving growth. The company is expected to continue raising prices for its FICO score due to its critical nature and value to lenders. The platform software business is poised for significant growth, with a large target market and high ROI for customers.

Fair Isaac: Fundamentals Set To Improve

Fair Isaac's (FICO) fourth-quarter fiscal 2023 performance will likely reflect a strong momentum in its scores and software business despite a volatile macro environment.

Fair Isaac (FICO) to Report Q4 Earnings: What's in Store?

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 2023.

Ahead of Fair Isaac (FICO) Q4 Earnings: Get Ready With Wall Street Estimates for Key Metrics

FICO has room to increase its prices in the scores segment while transitioning the software segment to a cloud-based platform with higher margins. The cost of a FICO score is less than 0.15% of the total expenses in a mortgage origination process. The CEO has ~$400MM invested in FICO stocks and a base salary of $0.75MM.

Fair Isaac: A Buy On Pullbacks

BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a leading predictive analytics and decision management software company, will announce its fourth quarter fiscal 2023 results on November 8, 2023, after the market closes and will host a conference call on November 8th 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 Pa.

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

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BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO): Highlights: 2024 marks the second year FICO is recognized as a top five risk and compliance technology company in the Chartis Research RiskTech100® report. FICO was also awarded first place in innovation for the seventh consecutive year for its functionality and technologies to improve risk management for clients. FICO® Platform empowers enterprises to unite teams and break down silos. Global analytics software leader FICO today announced that.

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SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--FICO, a leading analytics software firm, announced that Movement Mortgage, a top 10 retail mortgage lender, has become an early adopter of FICO® Score 10 T to analyze their non-conforming loans, in conjunction with the classic FICO® Scores. As a first-in-market user of FICO Score 10 T, Movement Mortgage and FICO will work together to share early use insights for non-conforming products to help the mortgage industry understand the benefits of the most predictiv.

Leading Mortgage Lender Movement Mortgage Becomes Early Adopter of FICO's Most Predictive Credit Scoring Model

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.

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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

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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.

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