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® World 2023 registration is currently open. Join FICO in Hollywood, Florida from May 16-19. Attendees will explore best practices for successful digital transformation, delivering on AI-powered hyper-personalized customer experiences via software capabilities on FICO® Platform and other FICO solutions.

FICO World 2023 to Showcase Digital Transformation Best Practices, Operationalization of AI, and Customer Success Stories from 50+ Businesses Worldwide

BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a leading predictive analytics and decision management software company, will announce its second quarter fiscal 2023 results on April 27, 2023, after the market closes and will host a conference call on April 27th 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.

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

HOUSTON--(BUSINESS WIRE)---- $FICO--Global analytics firm, FICO (NYSE:FICO), will host a free financial education event in Houston on April 22 to provide consumers with knowledge and tools to gain better insight into their financial health. Congresswoman Sylvia R. Garcia will be a special guest at the event to talk about the importance of financial education for the community.

FICO Hosts Free Financial Education Event in Houston to Help Empower Consumers

LONDON--(BUSINESS WIRE)--FICO (NYSE: FICO): Highlights: Artelys has created the TERRE market platform used for the activation of electricity reserves by nine European Transmission System Operators (TSOs) The TERRE platform will improve the balancing of power systems and security of supply for more than 300 million Europeans FICO Xpress Optimization provides the analytic horsepower needed to weigh up to 500,000 bids in under three minutes Artelys has won the ESG Champion award in the 2023 FICO D

Artelys Improves Energy Supply and Cost For 300+ Million Europeans Using FICO Optimization

Fair Isaac (FICO) announces the grant of 12 new patents leading to innovations in data analytics and AI, reflecting on a strong product portfolio and expanding clientele.

Fair Isaac (FICO) Increases Potential With 12 Patent Grants

Intuit

MercadoLibre

PayPal

Block

Toast

Visa

As a hotbed for innovation, top fintech stocks to buy have disrupted traditional financial services. They've delivered cutting-edge solutions bolstering efficiency and accessibility.

The 7 Most Promising Fintech Stocks to Buy for April 2023

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO): Highlights: FICO has been awarded 12 patents in AI, digital decisions, and blockchain model governance. New patents provide demonstrated innovation and creation of unique industry IP that help enterprises make better, more accountable decisions. To date, FICO's patent portfolio consists of 213 active patents, with an additional 80 patent applications filed and pending.

FICO Granted 12 Patents Used in FICO Platform to Operationalize Real-Time Decisions and Maximize Customer Experiences

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--Global analytics software firm, FICO (NYSE: FICO) will host a “Score A Better Future” free virtual webinar on March 30, 2023. In honor of National Credit Education Month, special guest Bola Sokunbi of Clever Girl Finance, will join FICO's Tom Quinn, and Yolanda Butler of Operation HOPE to discuss important information about the FICO® Score, the credit score used by 90% of the top U.S. lenders.

FICO Hosting “Score A Better Future” Event to Celebrate National Credit Education Month

CyberArk Software

CyberArk (CYBR) and Fair Isaac (FICO) are benefiting from the solid uptake of digital remote-working solutions despite sluggish enterprise IT spending that has clouded the outlook of the Zacks Computers - IT Services Industry.

2 IT Services Stocks to Buy From a Challenging Industry

TORONTO--(BUSINESS WIRE)---- $FICO--Global analytics software firm FICO (NYSE: FICO) announced today that goPeer, a peer-to-peer lending platform in Canada, will provide FICO® Scores to its customers for free through the FICO® Score Open Access program. Becoming the first peer-to-peer lending platform in Canada to leverage the FICO® Score Open Access program, goPeer aims to educate consumers by increasing transparency through its borrowing process.

goPeer Becomes First Peer-to-Peer Lending Platform to Provide FICO® Scores for Free to Canadian Consumers

Illinois Tool Works

3 Stocks to Buy as Interest Rates Rise

Autoliv

Aramark

Atlantic Union Bankshares Corp

Axalta Coating Systems

Dycom Industries

Franklin Street Properties Corp.

Granite Point Mortgage Trust

Hanesbrands

Hilton Grand Vacations

Hersha Hospitality Trust Class A

JBG SMITH Properties

Kennametal

Kennedy-Wilson Holdings

Lumen Technologies

NexTier Oilfield Solutions Inc

Pebblebrook Hotel Trust

Park Electrochemical

Radian Group

SL Green Realty

S&P Global

Starwood Property

Unisys

US Foods Holding

Valaris Ltd

NEW YORK , March 3, 2023 /PRNewswire/ -- S&P Dow Jones Indices ("S&P DJI") will make the following changes to the S&P 500, S&P MidCap 400 and S&P SmallCap 600 indices effective prior to the open of trading on Monday, March 20, to coincide with the quarterly rebalance. The changes are being made to ensure each index is more representative of its market capitalization range.

Fair Isaac & Co. Set to Join S&P 500; Others to Join S&P MidCap 400 and S&P SmallCap 600

Shift4 Payments

Global Payments

Adyen NV

Investing in fintech growth stocks is an excellent strategy for those seeking high returns in the stock market. Fintech companies use technology to disrupt the traditional financial services sector, creating innovative solutions that increase efficiency and accessibility.

The Top 7 Growth Stocks in Fintech

Abbott Labs

Accenture Plc

Adobe

Autodesk

Aflac

Applied Materials

Advanced Micro Devices

Amazon

Activision Blizzard

AutoZone

Broadridge Financial

Carrier Global

Caterpillar

Constellation Energy Corp

Cigna

CME Group

Copart

Cintas Corp

Deere & Company

Dollar General

Domino's Pizza

Elevance Health Inc

FactSet Research Systems

Three companies have been removed from my watchlist and added to the active portfolio. I added four new companies to my watchlist.

Compounders And Dividends: February 2023 Watch List Update

TORONTO--(BUSINESS WIRE)---- $FICO--Today, global analytics software firm, FICO (NYSE: FICO) announced that Parachute, a leading start-up dedicated to making financial well-being accessible for all Canadians, is the first organization in Canada to provide FICO® Score 10 to their customers for free through the FICO® Score Open Access program. With FICO® Score Open Access, financial institutions can provide their consumers access to their FICO® Scores.

FICO Score Open Access Program Promotes Credit Transparency by Enabling Financial Services Firms to Offer FICO Scores for Free to Canadian Consumers

FICO is a leading financial technology company which pioneered its FICO score, as well as a variety of analytics software for decisioning and fraud mitigation. The company has an elite list of customers which includes 95% of the top U.S financial institutions and over 50% of the top 100 banks.

FICO: Super High Retention With An Elite Customer Base

LAGOS, Nigeria & JOHANNESBURG--( BUSINESS WIRE )--Global analytics software provider FICO today announced a partnership with FPG Technologies & Solutions LTD, a member of FlexiP Group, to bring advanced decision management and analytics tools to companies across West Africa. FPG will sell, implement and support FICO® Blaze Advisor® decision rules management system and FICO® Xpress Optimization, leading tools that businesses use to automate high-volume decisions, rapidly change strategies and leverage advanced analytics to improve performance.

FICO and FPG Technologies & Solutions LTD Partner to Help West African Firms Accelerate Digital Transformation

Fair Isaac Corporation (NYSE:FICO ) Q1 2023 Earnings Conference Call January 26, 2023 5:00 PM ET Company Participants Steve Weber - Vice President and Interim Chief Financial Officer William Lansing - Chief Executive Officer Conference Call Participants George Tong - Goldman Sachs Surinder Thind - Jefferies LLC Kyle Peterson - Needham & Company, LLC Manav Patnaik - Barclays Bank PLC Ashish Sabadra - RBC Capital Markets Faiza Alwy - Deutsche Bank AG Operator Greetings, and thank you for standing by. Welcome to the Fair Isaac Corporation Quarterly Earnings Call.

Fair Isaac Corporation (FICO) Q1 2023 Earnings Call Transcript

Fair Isaac (FICO) delivered earnings and revenue surprises of 3.90% and 1.18%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

Fair Isaac (FICO) Q1 Earnings and Revenues Surpass Estimates

BOZEMAN, Mont.--( BUSINESS WIRE )--FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today announced results for its first fiscal quarter ended December 31, 2022.

FICO Announces Earnings of $3.84 per Share for First Quarter Fiscal 2023

SAN JOSE, Calif.--( BUSINESS WIRE )-- Highlights

Consumer Survey Reveals Key Relationship between Financial Confidence and Credit Scores

Affiliated Managers

Enbridge

First Solar

Lamb Weston Hlds

McKesson

Principal Financial Group

PennyMac Financial Services

The Federal Reserve has been aggressive in its rate hiking, and it's likely not done yet. Here are nine of the best stocks for rising interest rates.

9 Best Stocks for Rising Interest Rates

BOZEMAN, Mont.--( BUSINESS WIRE )--FICO (NYSE:FICO), a leading predictive analytics and decision management software company, will announce its first quarter fiscal 2023 results on January 26, 2023, after the market closes and will host a conference call on January 26th at 5:00 p.m. Eastern Time (4:00 p.m. Central/ 2:00 p.m. Pacific).

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

SAN JOSE, Calif.--( BUSINESS WIRE )--FICO (NYSE: FICO):

New FICO and Corinium Report Finds Financial Services Firms Lack Responsible AI Strategies Despite Surging Demand for AI Solutions

FICO is a leading financial technology that serves over half of the world's top 100 banks. The company reported strong financial results for the fourth quarter of fiscal year 2022, as it beat both topline and bottom line growth estimates.

Fair Isaac: High-Quality Fintech With Big Data Tailwinds

News for Fair Isaac Stock (FICO)