
Fair Isaac (FICO) Stock Forecast & Price Target
Fair Isaac (FICO) Analyst Ratings
Bulls say
Fair Isaac Corporation (FICO) demonstrated a robust financial performance with a notable 16% year-over-year increase in annual contract value (ACV) bookings for the first quarter of FY25, signaling a strong demand driven by an expanding pipeline. Additionally, the firm's mortgage origination revenue surged by 110% year-over-year in 1Q25, indicating a positive trend that is further supported by forecasts of a 7% increase in mortgage originations for FY25. With anticipated growth in both its Scores and Software segments—driven by strategic pricing and new market approaches—FICO's software revenue also reflected healthy growth of 10.3% year-over-year, underpinning a positive long-term outlook for the company.
Bears say
Fair Isaac Corporation is facing significant headwinds, evident from a notable 22% year-over-year decline in Annual Contract Value (ACV) bookings in the first half of fiscal 2024, which has contributed to a slowdown in Platform Annual Recurring Revenue (ARR) to 20% in the first quarter of fiscal 2025, down from over 30% in fiscal 2024. Additionally, the company's financial performance fell short of forecasts, with earnings per share (EPS) of $5.79 underperforming both internal estimates and consensus expectations, primarily due to softer revenue growth and rising expenses. Furthermore, stagnant mortgage inquiry volumes, influenced by persistently high mortgage rates, coupled with macroeconomic pressures and the transition to a subscription-based revenue model, indicate challenges ahead for software revenues and overall profitability.
This aggregate rating is based on analysts' research of Fair Isaac and is not a guaranteed prediction by Public.com or investment advice.
Fair Isaac (FICO) Analyst Forecast & Price Prediction
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