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.

ORLANDO, Fla.--(BUSINESS WIRE)---- $FICO--Today at FICO® World 2022, leading applied analytics company FICO announced new and enhanced capabilities to its industry leading, FICO® Platform. During the annual customer event, the company showcased new capabilities that are designed to help organizations provide consistent, personalized customer engagement, enable the measurement of business outcomes, and simulate alternative strategies for continuous improvement over the customer lifecycle. FICO® Platform p

FICO World 2022: FICO Platform Continues Momentum with Expanded Capabilities to Help Enterprises Manage, Measure, Understand and Continually Improve Customer Outcomes

MEXICO CITY--(BUSINESS WIRE)--FICO (NYSE: FICO): Highlights: Traxión reduced deadhead trips by 2.9 million kilometers Traxión expects to reduce costs by USD$2.5M, cut emissions and minimize fleet wear and tear using FICO route optimization The company will decrease empty trips for its vehicles by 20 percent Traxión won a 2022 FICO® Decisions Award for ESG (Environmental, Social, and Governance) Champion Traxión, the leading mobility and logistics company in Mexico, has used FICO route optimizat

Mexico's Traxión Will Save 1,580 Metric Tons of Emissions and USD2.5M in Costs Once Transport Operations Are Fully Optimized Using FICO Platform

JAKARTA, Indonesia--(BUSINESS WIRE)--FICO (NYSE: FICO) Highlights Impact of COVID-19 on SMEs: 67 percent of Indonesia's SMEs expect to take up new or alternative borrowing products in 2022 An overwhelming majority (70 percent) of APAC SMEs are less than satisfied with access to credit from their main bank Other issues with traditional banks include lack of transparency, information, and guidance The top loan decision driver for APAC SMEs across the board is competitive interest rates (41 percen

FICO Insights: More than 3 in 5 Indonesian SMEs Could Ditch Traditional Banks in 2022

ORLANDO, Fla.--(BUSINESS WIRE)---- $FICO--Leading applied analytics company FICO today released a new report examining consumers' shifting financial behavior and priorities. While most consumers are happy with traditional banks and credit unions, the percentage of Gen Z, Millennial, and Gen X consumers in the United States that consider a digital bank to be their primary checking account provider has more than doubled, at 12% of customers since 2020. In fact, only 25% of Gen Z consumers use a megabank as

FICO Report Finds Consumers Are Expecting More Personalized Service from Their Financial Service Providers to Secure Their Financial Future

MEXICO CITY--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO), a global analytics leader, today announced the release of FICO® Score 4 and FICO® Extended Score 4 in Mexico. The new score models are specifically designed to seamlessly incorporate the entirety of the credit file, making it ideal for Mexico's large and dynamic population. In partnership with Círculo de Crédito, in Mexico, FICO has redeveloped the FICO® Score using sophisticated machine learning modeling techniques to mine trends in recent consu

FICO Launches FICO® Score 4 Suite to Broaden Financial Inclusion in Mexico

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO): Highlights: Industry innovators and practitioners will share insights in financial services, banking, automotive finance, mortgage lending, telecommunications, insurance, and regulatory compliance. Additional speakers to take the stage include Wells Fargo, Visa, Mibanco, Citi, and Sony Interactive Entertainment. Breakout sessions will cover digital transformation, data and analytics, fraud and financial inclusion, customer onboarding and manag

Pioneering Banks to Speak on Digital Transformation, AI, Machine Learning, and Analytic Innovation at FICO World 2022

Fair Isaac Corporation (NYSE:FICO ) Q2 2022 Earnings Conference Call April 27, 2022 5:00 PM ET Company Participants Steven Weber - Vice President of Investor Relations William Lansing - CEO Michael McLaughlin - CFO Conference Call Participants Kyle Peterson - Needham & Company Manav Patnaik - Barclays George Tong - Goldman Sachs Ashish Sabadra - RBC Capital Markets Jeffery Meuler - Robert W. Baird Operator 00:07 Greetings, thank you for standing by.

Fair Isaac Corporation (FICO) CEO William Lansing on Q2 2022 Results - Earnings Call Transcript

BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today announced results for its second fiscal quarter ended March 31, 2022. Second Quarter Fiscal 2022 GAAP Results Net income for the quarter totaled $104.4 million, or $3.95 per share, versus $68.7 million, or $2.33 per share, in the prior year period. Net cash provided by operating activities for the quarter was $122.6 million versus $153.5 million in the prior year per

FICO Announces Earnings of $3.95 per Share for Second Quarter Fiscal 2022

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BOZEMAN, Mont.--(BUSINESS WIRE)--Fair Isaac Corporation Announces Date for Reporting of Second Quarter Fiscal 2022 Financial Results

Fair Isaac Corporation Announces Date for Reporting of Second Quarter Fiscal 2022 Financial Results

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--Leading applied analytics company FICO (NYSE:FICO) will host a free, virtual “Score A Better Future” financial education event for all audiences on April 28, 2022. Special guest Marsha Barnes, founder and CEO at The Finance Bar, will join Julie Wooding, senior director at FICO, to discuss the importance of financial literacy, including practical tips to better understand credit, how to navigate credit management during times of uncertainty, and what tools are

FICO Expands Financial Education Events to Virtual Audiences Nationwide

SÃO PAULO--(BUSINESS WIRE)--FICO (NYSE: FICO): Highlights: Bradesco has increased digital transactions more than 60% using real-time credit solutions Bradesco has increased credit line revenue and number of users by around 15 percent Bradesco won a 2022 FICO® Decisions Award for customer onboarding & management Bradesco, one of the largest private banks in Brazil, has used FICO® Platform to create a digital, real-time, and complete credit solution that has revolutionized the customer journe

Bradesco Uses FICO Platform to Deliver Real-Time Credit Solutions and Increase Digital Transactions More Than 60%

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Fair Isaac's (FICO) array of updated products aid in reducing fraud loss and credit risks across the Americas.

Fair Isaac's (FICO) Solutions Aid Itau Unibanco Avoid Fraud

TORONTO--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO), a leading analytics software firm, today announced its latest release of its flagship FICO® Score, FICO® Score 10. With FICO® Score 10, a lender could gain as much as 10 percent predictive lift over prior FICO® Scores. Predictive risk is improved by optimizing the model and incorporating new characteristics based on recent credit risk trends, utilizing an enhanced collections treatment that excludes paid collections debt entirely, and adding a new sc

FICO Introduces FICO Score 10 in Canada

SÃO PAULO--(BUSINESS WIRE)--FICO (NYSE: FICO) Highlights: Itaú has avoided over USD$20M a month in fraud losses using cloud-based fraud solutions Itaú has delivered a 15 percent cost reduction per account Itaú has seen a 20 percent improvement in fraud detection for online transactions Itaú achieved a 25 percent increase in customer self-service fraud suspicious resolution Itaú won a 2022 FICO® Decisions Award for cloud deployment Itaú Unibanco, a global financial services firm and the largest

Itaú Unibanco Avoids Over USD$20M A Month in Fraud Losses Using FICO's Cloud-Based Fraud Solutions

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO #FICOWorld2022--FICO (NYSE: FICO): Highlights: Registration is limited, but still open. Join FICO in Orlando, Florida from May 10-13, 2022. Attendees from all over the world will learn how to advance their digital-first customer strategies from the Digital Decision Leader, FICO. Transformation leaders will share how they are creating personalized customer experiences and driving business outcomes with the FICO® Platform. Leading applied intelligence company FICO announces FICO®

FICO® World 2022 to Focus on Helping Businesses Automate, Improve, and Connect Decisions Across the Enterprise

LONDON--(BUSINESS WIRE)--FICO (NYSE: FICO): Highlights: Česká spořitelna has been able to reduce collector call minutes by 25%, while maintaining a stable portfolio performance in terms of balance roll rates and cash collected During the pandemic, Česká spořitelna improved the customer experience by avoiding over-collecting on low-risk customers, while proactively addressing credit risk Česká spořitelna won a 2022 FICO® Decisions Award for debt management Česká spořitelna, the Czech Republic's

Czech Republic's, Česká spořitelna Uses FICO Prescriptive Analytics to Improve Effectiveness of Collections by 25 Percent During Pandemic

LONDON--(BUSINESS WIRE)-- #credit500--Global analytics software provider FICO is pleased to announce that Bruce Curry, senior principal consultant in Collections and Recovery in EMEA, has been included in this year's Credit 500, published by Credit Strategy. For the third year in a row, Curry is recognised in Credit Strategy's index of executives and senior professionals for his work and influence across consumer and commercial credit. More information: https://www.creditstrategy.co.uk/hall-of-fame Curry wo

FICO Collections Expert Bruce Curry Named to Credit 500 for Third Straight Year

SÃO PAULO--(BUSINESS WIRE)--Highlights: Mibanco has boosted its lending capacity and management agility during the pandemic Mibanco has reduced the time taken to put policy into production by 90 percent Mibanco has cut annual IT development expenditure by 20 percent Mibanco won a 2022 FICO® Decisions Award for financial inclusion Mibanco, the largest microfinance bank in both Peru and Latin America, has used FICO Platform's Decisions Capability to boost its lending capacity and respond quickly

Mibanco Uses FICO Platform to Expand Microlending and Help Customers During the Pandemic

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO #fico--FICO (NYSE: FICO): Highlights: Wells Fargo uses FICO software to fight against fraud in real-time to protect consumers and business customers. Machine learning models protect both deposits into accounts and debit card payments. Wells Fargo wins FICO's Choice 2022 Industry Vanguard Award. Wells Fargo, a leading financial services company, will be honored as FICO's Choice 2022 Industry Vanguard Award recipient for its success in using FICO analytic software solu

Wells Fargo Enhances Fraud Protection and Customer Experience Using FICO Solutions

JOHANNESBURG--(BUSINESS WIRE)-- #fraud--As more payments are made online, new research from global analytics software firm FICO suggests that South Africans are concerned about fraudsters using their information to hijack their financial personas. When asked about what fraud practices concern them the most, 36 percent were most concerned about fraudsters stealing their identities and using them to open financial accounts, while 28 percent of South Africans were worried about fraudsters using the informa

South Africans Are Most Worried about Identity Theft, Despite Rise in Fraud Scams

FICO is one of the clear winners of the past decade, outperforming the S&P 500 by a whopping 839 percentage points margin.

Fair Isaac Fits Perfectly The Definition Of An Outstanding Business

BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Leading applied analytics company FICO announced today the promotions of Don Peterson to vice president of global sales and client success, Alexandre Graff to vice president of global partners and alliances, and Kevin Deveau to vice president and general manager of US and Canada sales. All expanded roles have been designed to boost FICO's software business and to further accelerate the adoption of FICO® Platform. “I am proud to announce these well-deserved promo

FICO Doubles Down on Software and Platform Business with New Leadership

SAN JOSE, Calif.--(BUSINESS WIRE)-- #banking--FICO (NYSE: FICO): Highlights: Fiserv wins a 2022 FICO® Decisions Award for fraud management Fiserv has reduced fraud losses 10 to 15% for its financial institution clients False declines decreased by 20% for banks and credit unions Fiserv, a leading global provider of payments and financial services technology solutions, has won a 2022 FICO® Decisions Award for AI, machine learning & optimization. Fiserv developed a new fraud mitigation service that has r

Small to Midsize Banks Benefit from Reduced Fraud with Award-Winning Fiserv Solution Leveraging FICO Analytics

LONDON--(BUSINESS WIRE)-- #decisionmanagement--The latest research from global analytics software company FICO shows a need for banks to strike a balance between fraud checks and a smooth customer journey. It will not take much disruption for consumers to switch providers, with 35 percent saying they would do so if a legitimate online transaction was blocked three or four times. More information: Digital Consumer Banking and Fraud Survey – Global Results Digital Consumer Banking and Fraud Survey – UK Results Ebook O

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