FICO Earnings Prediction
The chart below shows how FICO performed 10 days before and after its earnings report, based on data from the past quarters. Typically, FICO sees a -1.93% change in stock price 10 days leading up to the earnings, and a +4.38% change 10 days following the report. On the earnings day itself, the stock moves by +0.64%. This data can give you a slight idea of what to expect for the next quarter's release.
FICO Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
382.06M
10.78%
-1.97%
Gross Margin
78.08%
0.46%
-0.76%
Operating Margin
39.62%
-1.27%
-6.82%
Net Margin
31.69%
11.94%
21.79%
EPS
4.80
25.00%
19.70%
No Data Available
FICO Earnings Analysis
Fair Isaac Corp Corporation (FICO.N) Earnings Conference Call
Positive
Quarter One Revenue Increase: Quarter one revenues reached $440 million, reflecting a 15% increase compared to the prior year.
Quarterly Net Income Growth: GAAP net income for the quarter was $153 million, up 26% year-over-year, resulting in GAAP earnings of $6.14 per share, a 28% increase from the previous year.
Free Cash Flow Increase: Free cash flow for the quarter was $187 million, representing a 50% increase from the same quarter last year, and totaled $673 million over the last four quarters, a 36% increase over the prior period.
Segment Revenue Surge: Scores segment revenues were $236 million, up 23% year-over-year, with B2B revenues increasing by 30% primarily driven by mortgage originations, which saw a remarkable 110% growth compared to the prior year.
Annual Recurring Revenue Growth: Total Annual Recurring Revenue (ARR) was $729 million, a 6% increase year-over-year, with platform ARR growing 20%, indicating strong adoption and usage of FICO's platform solutions.
Negative
Operating Expenses Increase: Operating expenses increased by 1.5% to $260,000,000 compared to $257,000,000 in the prior quarter, indicating rising costs amidst stable revenue growth.
Professional Services Revenue Decline: Professional services revenue declined by 14%, highlighting a significant drop in this segment despite overall software revenue growth.
B2C Revenue Growth Analysis: B2C revenues only grew by 3% year-over-year, suggesting limited growth potential in this segment compared to other areas of the business.
Consumer Lending Revenue Decline: Credit card, personal loan, and other originations revenues decreased by 3% year-over-year, reflecting a downturn in consumer lending activity.
Foreign Exchange Impact on ARR: Foreign exchange negatively impacted total ARR by 2% and platform ARR by 3%, indicating challenges in international revenue performance.
FICO FAQs
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FICO Earning Call Sentiment
Earnings call transcript: Fair Isaac Q1 2024 misses EPS, stock falls
FICO.N
1.32%Positive
The earnings call shows strong financial performance with significant revenue and income growth, particularly in mortgage origination. Despite some concerns about foreign exchange impacts and consumer lending pullback, the company maintains optimistic long-term growth expectations. The announcement of new partnerships and share repurchases adds a positive sentiment. The Q&A section reveals confidence in future growth, though some uncertainties remain. Overall, the positive financial results and strategic moves outweigh the concerns, suggesting a positive stock price movement in the short term.
