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.

SAN JOSE, Calif.--(BUSINESS WIRE)--FICO (NYSE: FICO), a leading analytics software firm, today announced that more than 2.5 billion FICO® Resilience Index scores were delivered in the last 18 months. The FICO Resilience Index is an innovative analytic tool that leverages credit bureau data to augment the FICO® Score with an additional dimension of credit risk insight, helping lenders and investors make more precise decisions during changing economic times. More than 200 financial institutions h

FICO Enhances Lenders' Ability to Build Resilience into Credit Portfolios for Economic Uncertainty

JAKARTA, Indonesia--(BUSINESS WIRE)--FICO (NYSE: FICO) Highlights 63 percent (more than 3 in 5) of Indonesian retail banking consumers experienced a negative impact on their income due to the pandemic Amidst an uncertain financial climate, the majority of banking consumers in Indonesia will focus on savings (87 percent) and investment (84 percent) products Nearly 1 in 5 affluent Indonesian banking customers will consider switching banks in search of the most competitive banking deals RFI Global

FICO Insights: More than 3 in 5 Indonesians Experienced a Drop in Income Due to Pandemic; Many Will Switch Banks in 2022 to Chase Better Offers

BANGKOK--(BUSINESS WIRE)--FICO (NYSE: FICO) Highlights 70 percent (nearly 3 in 4) of Thailand's retail banking consumers experienced a negative impact on their income due to the pandemic Amidst an uncertain financial climate, the majority of banking consumers in Thailand will focus on savings (73 percent) and investment (66 percent) products 1 in 5 affluent Thai banking customers will consider switching banks in search of the most competitive banking deals RFI Global's 2022 Post-Pandemic Consum

FICO Insights: Nearly 3 in 4 Thais Experienced a Drop in Income Due to Pandemic; Many Will Switch Banks in 2022 to Chase Better Offers

DUBAI, United Arab Emirates & LONDON--(BUSINESS WIRE)--Global analytics software provider FICO and Network International, the leading enabler of digital commerce across the Middle East and Africa (MEA), announced today that they have expanded their partnership to bring lenders the most powerful fraud protection and credit management solutions. These solutions, available in hosted mode from Network International, will help financial services providers expand the digital economy across the region

FICO and Network International Build on Partnership to Help Middle East and Africa Lenders Expand Digital Economy

SAN JOSE, Calif.--(BUSINESS WIRE)--Recent research from Mercator Advisory Group, a leading, independent research and advisory services firm exclusively focused on the payments and banking industries, 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 Mercator study found that the score was a critical indicator for lenders in eight collateral classes representing 97% of

FICO Scores Remain Most Widely Used in the Securitization Market, Instilling Lender Confidence Despite Inflation Highs and Economic Challenges

LONDON--(BUSINESS WIRE)--Global analytics software provider FICO® was named the Best Technology Provider for Data Analytics at the 2022 Credit Awards, presented by Credit Strategy at a black-tie dinner in London last week. More information: https://www.creditstrategy.co.uk/creditawards/credit-awards-winners FICO has developed a unified FICO® Platform for decision management that includes capabilities for data management, analytic development and execution, strategy design and reporting. These c

FICO Named Best Technology Provider for Data Analytics at 2022 Credit Awards

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--Leading applied analytics company FICO (NYSE: FICO) today released new research on consumer deposit and banking habits. The new research from FICO found only 42% of Americans contribute to their savings through automatic transfer or direct deposit, down from 47% in 2021. In the face of current economic uncertainty, consumers are demanding more from their banks to help navigate challenging circumstances. Nearly half of consumers are interested in small dollar l

FICO Survey Finds US Banking Consumers Are Changing Their Savings Behavior

LONDON--(BUSINESS WIRE)--FICO (NYSE: FICO): Highlights: Akbank has complied with complex regulation while growing credit card approvals by 45 percent and approved limits by 60 percent Akbank will realize a 129 percent increase in profit from the solution Akbank won a 2022 FICO® Decisions Award for AI, machine learning & optimization Akbank, one of the largest retail banks in Turkey, has improved the way it makes offers to consumers for new credit cards and credit limit increases by leveragi

Akbank Uses FICO Prescriptive Analytics to Grow Credit Card Approvals 45% And Limits By 60%

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--As part of its “Score A Better Future” financial education program, leading applied analytics company FICO (NYSE:FICO) will be participating in the 2022 National Association of Women Business Owners (NAWBO) Advocacy Days on June 8, 2022. Special guest Congresswoman Claudia Tenney (NY-22) will join Karen Bennetts, founder of Little Red Bird and the incoming chair at NAWBO, to provide introductory remarks prior to the FICO-hosted panel on credit education. Benne

FICO Joins NAWBO Advocacy Days to Highlight the Importance of Credit Education for Women Business Owners

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--Data from FICO (NYSE: FICO), a leading analytics software firm, shows that approximately 232 million US consumers can be scored by the FICO® Score suite, equating to 90% of the credit-eligible US population. The FICO® Score is the independent standard measure of consumer credit risk used by top lenders in the US. For most of the credit-eligible US population there is sufficient traditional credit bureau data available for calculating a FICO Score. However, som

90% of Credit-Eligible US Population Can Be Scored by FICO Score Suite

SÃO PAULO--(BUSINESS WIRE)--FICO (NYSE: FICO) Highlights: Elo has reduced fraud by 30 percent for card issuers using its payment network Elo has declined online fraudulent transactions on behalf of the issuers Elo now protects more than 30 issuers across the Brazilian market Elo won a 2022 FICO® Decisions Award for fraud management Elo, one of the largest and most innovative payment providers in Brazil, has used FICO® Falcon® Fraud Manager to reduce fraud by 30 percent for card issuers using it

Elo Uses FICO Falcon Fraud Manager to Reduce Fraud by 30% Across Its Payment Network

SAN JOSE, Calif.--(BUSINESS WIRE)---- $FICO--Leading applied analytics company FICO wrapped its FICO® World 2022 conference in Hollywood, FL with thousands of attendees from multiple countries. FICO World hosted intellectual conversations with experts on digital transformation, applied intelligence, analytic innovation, next generation end-to-end customer experience, women in leadership, as well as fraud protection and regulatory compliance. Main stage presentations included experts from enterprises such

FICO Talks Digital Transformation and Decisioning, Announces Enhanced Platform Capabilities, and Honors Decision Awards Winners at FICO World 2022

MEXICO CITY--(BUSINESS WIRE)--FICO (NYSE: FICO): Highlights: Círculo de Crédito has helped an additional 20 million Mexicans access credit using innovative household data The bureau's solutions have seen banks make 200 million credit decisions, equivalent to 3 times the size of the Mexican active adult population Over 3,500 lenders in Mexico have access to Círculo's solutions and over 7 years have issued loans for USD$110B: an amount equivalent to 10 percent of Mexico's GDP Círculo de Crédito w

Círculo de Crédito Helps An Additional 20 Million Mexicans Access Credit Using FICO Scores

LONDON--(BUSINESS WIRE)--The latest research from global analytics software provider FICO suggests that UK banks could face a potentially catastrophic customer defection event in the wake of a money laundering scandal. Highlights: More than half of Brits would switch account provider if it was involved in a money laundering scandal 20 percent of 25 to 34 year-olds do not believe banks are fair when customers have been tricked by fraudsters 15 percent of cardholders believe current measures take

Survey: More Than Half of UK Consumers Would Switch Banks if Theirs Was Involved in a Money Laundering Scandal

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

Check Point Software Technologies

MKS Instruments

Open Text

SS&C Technologies Hlds

Continuing the April sell-off, U.S. market indexes were lower on Tuesday morning as tech stocks struggled ahead of releasing earnings reports later in the week.

5 Undervalued Predictable Opportunities in the Tech Sector

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

News for Fair Isaac Stock (FICO)