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 -2.67% change in stock price 10 days leading up to the earnings, and a +5.21% change 10 days following the report. On the earnings day itself, the stock moves by +0.82%. 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
453.81M
16.44%
1.33%
Gross Margin
80.24%
1.98%
0.00%
Operating Margin
43.45%
2.19%
2.28%
Net Margin
29.90%
14.91%
6.07%
EPS
5.44
35.66%
7.72%
No Data Available
FICO Earnings Analysis
Fair Isaac Corporation Corporation (FICO.N) Earnings Conference Call
Positive
Impressive Revenue Increase: 1. Strong Revenue Growth: FICO reported fourth quarter revenues of $454 million, up 16% year-over-year, and full fiscal year revenues of $1.718 billion, reflecting a 13% increase compared to the prior year.
Net Income Surge: 2. Significant Net Income Increase: The company achieved GAAP net income of $136 million in the fourth quarter, a 34% increase from the previous year, and $513 million for the full fiscal year, up 19%.
Record Free Cash Flow Growth: 3. Record Free Cash Flow: FICO generated record free cash flow of $219 million in the fourth quarter and $607 million for the full year, marking a 31% year-over-year increase.
Scores Segment Revenue Growth: 4. Strong Performance in Scores Segment: The Scores segment saw fourth quarter revenues of $249 million, up 27% year-over-year, and full year revenues of $920 million, a 19% increase compared to last year.
Non-GAAP Earnings Surge: 5. Robust Non-GAAP Earnings Growth: Non-GAAP earnings per share for the fourth quarter were $6.54, up 30% from the prior year, and for the full fiscal year, non-GAAP EPS was $23.74, reflecting a 20% increase.
Negative
B2C Revenue Decline: 1. Decline in B2C Revenue: B2C revenues were down 1% in Q4 and down 2% for the full fiscal year, primarily due to decreased sales on the myfico.com website.
Decline in Originations Revenue: 2. Decrease in Auto and Credit Card Originations: Auto originations revenues were down 2%, while credit card, personal loan, and other origination revenues were down 5% compared to the prior year.
Stagnant Non-Platform ARR: 3. Flat Non-Platform ARR: Non-platform ARR remained flat year-over-year at $494 million, indicating stagnation in this segment despite overall growth in platform ARR.
Operating Expenses Surge: 4. Increased Operating Expenses: Total operating expenses rose to $257 million in Q4, a 15% increase year-over-year, and full-year expenses reached $984 million, up 13% from the previous year.
Decline in ACV Bookings: 5. Lower ACV Bookings: Total ACV bookings for the year were $85 million, down 10% year-over-year, reflecting a decline in new business acquisition.
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FICO Earning Call Sentiment
Fair Isaac Corporation (FICO) Q4 2024 Earnings Call Transcript
1.0x
00:00
00:00
FICO.N
1.53%Positive
The earnings call summary highlights strong financial performance with significant revenue and earnings growth, increased free cash flow, and a robust share repurchase program. Although there are concerns about supply chain challenges and economic factors, the company raised its full-year revenue guidance, which is a positive indicator. The Q&A section reveals optimism about future opportunities and partnerships, despite some management hesitance to provide detailed guidance. Overall, the positive financial results and increased guidance outweigh the uncertainties, suggesting a positive stock price movement over the next two weeks.