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.

LONDON--( BUSINESS WIRE )--In 2021, UK losses to authorised push payment (APP) scams reached £583.2 million. This 39 percent year-on-year increase in losses shows how inventive and active scammers can be. FICO is hosting a round table on 8 February 2023 at The Shangri-La in The Shard, London, to discuss what can be done to tackle this threat to financial stability.

FICO Round Table Discusses Approaches to Sharp Rise in Scams and Authorised Push Payment Fraud

Fair Isaac (FICO) is a stock that has generated amazing returns over the past decade, averaging 30.8% per year. The company is interesting because its free cash flow margin is 37%, which is entirely returned to investors.

Fair Isaac: Massive FCF Margin Of 37% Is Returned To Investors

LONDON--( BUSINESS WIRE )--There was a reported £15.3 million lost to fraud in the UK between November 2021 and January 2022, and with just a few days until Christmas Day, panic mode could be setting in this year. The good news is that it appears UK shoppers recognize the importance of increased fraud checks by lenders and banks. Global analytics software company FICO has revealed the findings from its latest surveyi with consumers showing an increased understanding of how and why fraud checks need to happen. Shoppers are also embracing biometrics to add layers of protection to their accounts.

Survey: UK Consumers Accept More Identity Checks after Losses of £15.3m across Christmas '21

Fair Isaac shares dipped in 2021 around fears of disruption from FinTech lending platforms. With that fear laid to rest, Fair Isaac shares have surged to new all-time highs recently.

Fair Isaac: Valuation Has Run Well Ahead Of The Business' Momentum

TORONTO--( BUSINESS WIRE )--Global analytics software platform provider, FICO, released the Consumer Fraud Survey 2022 research report, which explores the shift in consumer expectations on how financial institutions manage fraud. The report surveyed more than 14,000 global consumers across 14 different countries worldwide, including Canada. Overall, the survey found that consumers expect a strong fraud stance from financial institutions as part of the customer experience; successful fraud protection can attract new customers and enhance customer satisfaction.

New FICO Report: Fraud Protection is Top Priority for Canadians When They Choose a Financial Provider

Here is how Fair Isaac (FICO) and GlobalFoundries Inc. (GFS) have performed compared to their sector so far this year.

Is Fair Isaac (FICO) Stock Outpacing Its Computer and Technology Peers This Year?

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LONDON--( BUSINESS WIRE )--Global analytics software provider FICO won the Machine Learning in Credit and Collections Award at the 2022 Credit & Collections Technology Awards, held in London in late November. The award was for an advanced scam detection model, which is available to lenders using the Retail Banking model in FICO® Falcon® Fraud Manager, the world's leading payments fraud protection solution.

FICO Wins Machine Learning Award for Scams Detection Model

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SAN JOSE, Calif.--( BUSINESS WIRE )--Global analytics software platform provider, FICO, released findings of a survey exploring the shift in consumer expectations on how financial institutions manage fraud.

New FICO Survey: Americans Value Financial Fraud Prevention More Than Banking Customer Experience

LONDON--( BUSINESS WIRE )--Global analytics software company FICO has revealed the findings from its latest fraud surveyi with consumers showing that strong fraud protection can be a competitive differentiator. When asked to rank their considerations in selecting a financial account provider, the top factor for 30 percent was good fraud prevention. This came above value for money at 26 percent.

FICO Survey: UK Consumers Will Choose Banks Based on Fraud Protection

Fair Isaac is known for creating the widely used FICO score. But it also has a thriving software-as-a-service business.

Within Fair Isaac Is a Fast-Growing SaaS Business

Tech and fintech stocks have not performed well this year in the face of rising interest rates.

1 Under-the-Radar Fintech Stock Beating the Market by Almost 50% This Year

Does Fair Isaac (FICO) have what it takes to be a top stock pick for momentum investors? Let's find out.

What Makes Fair Isaac (FICO) a Strong Momentum Stock: Buy Now?

SAN JOSE, Calif.--( BUSINESS WIRE )--Global analytics software provider FICO announced it moved up a spot from sixth place to top five for the first-time in the Chartis Research RiskTech100® annual report of the world's leading risk technology providers. FICO again ranks number one in the Innovation, Artificial Intelligence Applications, Financial Crime – Enterprise Fraud, and Retail Credit Analytics categories. Marking first-time wins, FICO ranks number one in both the Innovation – Retail Finance and Innovation – AI and Decision Management Platform categories.

FICO Achieves Top 5 Ranking in the 2023 Chartis RiskTech100® Annual Report

LONDON--( BUSINESS WIRE )--FICO's latest report of UK card trends — for September 2022 — provides clear signs of consumer indebtedness as the cost of living crisis impacts finances.

FICO UK Credit Card Market Report: September 2022

Fair Isaac (FICO) could produce exceptional returns because of its solid growth attributes.

Here is Why Growth Investors Should Buy Fair Isaac (FICO) Now

Here is how Fair Isaac (FICO) and Flex (FLEX) have performed compared to their sector so far this year.

Is Fair Isaac (FICO) Outperforming Other Computer and Technology Stocks This Year?

BOZEMAN, Mont. & GIVISIEZ/FRIBOURG, Switzerland--( BUSINESS WIRE )--FICO (NYSE:FICO), a leading applied intelligence software company, has reached an agreement to transition its Siron® compliance business to IMTF. IMTF, a global leader in regulatory technology and process automation for financial institutions, and a strategic partner in the Siron business for more than 20 years, will assume responsibility for the entire Siron anti-financial crime business worldwide. FICO and IMTF are entering into an exclusive agreement for relevant software and intellectual property. This enables IMTF to further develop and extend the Siron Suite and to support the applications and related SaaS offering globally. The transaction includes FICO transitioning all Siron-related customer relationships and commitments to IMTF. IMTF is also buying Fair Isaac Germany GmbH.

FICO Transitions Siron Compliance Solutions to Partner IMTF

LONDON & NEW YORK & TEL AVIV, Israel--( BUSINESS WIRE )--Pyramid Analytics (Pyramid), a pioneering decision intelligence platform provider, announced today that it has appointed a Vice President of Global Customer Success. This newly created role provides unified, company-wide management of this critical function under one executive: Hayley Munro.

Former FICO, Medallia Customer Success Executive Joins Pyramid Analytics

JOHANNESBURG--( BUSINESS WIRE )--Many financial institutions consider their fraud teams to be a necessary overhead to cut fraud losses, but the latest consumer survey from global analytics leader FICO shows that a successful fraud protection function can drive sales and increase revenue. The survey also reveals consumer attitudes and preferences regarding fraud checks – and indicates that many will commit fraud themselves to get a loan or file an insurance claim.

FICO Survey: 42 Percent of South Africans Believe It Is OK to Exaggerate Insurance Claims

Fair Isaac Corporation (NYSE:FICO ) Q4 2022 Earnings Conference Call November 9, 2022 5:00 PM ET Company Participants Steve Weber - VP, IR Will Lansing - CEO Mike McLaughlin - CFO Conference Call Participants Sam Salvas - Needham and Company John Mazzoni - RBC Capital Markets Brendan Popson - Barclays Surinder Thind - Jefferies George Tong - Goldman Sachs Jeff Meuler - Baird Operator Greetings, and thank you for standing by. Welcome to the Fair Isaac Corporation Quarterly Earnings Call.

Fair Isaac Corporation (FICO) Q4 2022 Earnings Call Transcript

Fair Isaac (FICO) delivered earnings and revenue surprises of 0% and 1.79%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

Fair Isaac (FICO) Matches Q4 Earnings Estimates

BANGKOK--(BUSINESS WIRE)--Highlights About 1 in 6 (15%) Thai consumers will switch to a competitor if unsatisfied with their bank's current fraud management response Thais are most concerned with Account Takeover (ATO) fraud (33%), followed by card fraud (22%) 11 percent of Thai consumers believe banks could do more to protect them FICO's latest global fraud survey has revealed that about 1 in 6 Thai consumers will leave for a competitor if unsatisfied with their bank's fraud management respons

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