Core Insights - Fair Isaac (FICO) is expected to report quarterly earnings of $7.73 per share, reflecting a 23.7% increase year over year, with revenues projected at $518.78 million, a 15.8% year-over-year increase [1] Earnings Estimates - The consensus EPS estimate has been revised downward by 0.7% over the past 30 days, indicating a collective reassessment by analysts [2] - Changes in earnings estimates are crucial for predicting investor reactions, as empirical research shows a strong correlation between earnings estimate revisions and short-term stock performance [3] Revenue Projections - Analysts estimate 'Revenues- Professional services' at $21.54 million, a decrease of 4.8% year over year [5] - 'Revenues- Software' is projected to reach $209.70 million, indicating a 1.6% increase from the previous year [5] - The consensus for 'Revenues- Scores' stands at $309.39 million, reflecting a significant increase of 28.1% year over year [5] Additional Revenue Insights - 'Revenues- On-premises and SaaS software' is expected to be $188.16 million, a 2.4% increase from the prior year [6] - 'Revenues- Scores- Business-to-consumer' is projected at $54.78 million, showing a 4% increase year over year [6] - 'Revenues- Scores- Business-to-business' is estimated at $254.14 million, indicating a substantial increase of 34.6% [7] Annual Recurring Revenue (ARR) - 'ARR - Platform' is forecasted to reach $259.20 million, up from $215.10 million year over year [7] - 'ARR - Total' is expected to be $751.23 million, compared to $709.60 million in the same quarter last year [7] - 'ARR - Non-Platform' is estimated at $492.03 million, slightly down from $494.50 million reported in the same quarter last year [8] Stock Performance - Fair Isaac shares have decreased by 15.4% in the past month, contrasting with a 4.6% increase in the Zacks S&P 500 composite [8] - The company holds a Zacks Rank 3 (Hold), suggesting it is expected to closely follow overall market performance in the near term [8]

Core Insights - Fair Isaac Corporation (FICO) is expected to report its third-quarter fiscal 2025 results on July 30, with projected revenues of $518.8 million, reflecting a 15.8% increase year-over-year, and earnings per share (EPS) of $7.73, indicating a 23.7% growth from the previous year [1][9]. Revenue and Earnings Expectations - The Zacks Consensus Estimate for FICO's third-quarter fiscal 2025 revenues is $518.8 million, suggesting a 15.8% increase from the same quarter last year [1]. - The consensus estimate for earnings is $7.73 per share, which is a 23.7% year-over-year growth, although it has decreased slightly over the past 30 days [1]. Recent Performance Trends - FICO's earnings have missed the Zacks Consensus Estimate in three of the last four quarters, with an average negative surprise of 0.97% [2]. - The company's third-quarter performance is anticipated to benefit from sustained growth in Scores revenues, driven by the adoption of advanced scoring solutions and strong consumer demand [3]. Sector-Specific Developments - In the second quarter of fiscal 2025, FICO saw strong momentum in the adoption of FICO Score 10T, particularly in the mortgage sector, with new lenders joining the early-adopter program, which is expected to continue into the third quarter [4]. - Professional Services revenues are likely to rise sequentially in the upcoming quarter due to prior delays that pushed revenue recognition into the new quarter [5]. - Despite a cautious macro environment, FICO's Software business remains resilient, with expectations of stronger annual recurring revenue growth supported by a healthy deal pipeline and solid net retention among existing clients [6]. Earnings Prediction Model - According to the Zacks model, FICO currently has an Earnings ESP of -1.71% and a Zacks Rank of 3, indicating lower odds of an earnings beat [7].

CHONGQING, CHINA - APRIL 23: In this photo illustration, the logo of Fair Isaac Corporation (FICO) ... More is displayed on a smartphone screen, with the company's latest stock price performance and candlestick chart visible in the background, on April 23, 2025, in Chongqing, China. (Photo illustration by Cheng Xin/Getty Images)Getty ImagesFair Isaac (NYSE:FICO) shares fell by almost 17% in the last week, following a significant regulatory announcement. The decline was sparked when the Federal Housing Finan ...

Group 1 - Fair Isaac (FICO) has experienced significant selling pressure, resulting in a 14.7% decline in stock price over the past four weeks, but analysts expect better earnings than previously predicted [1] - The Relative Strength Index (RSI) for FICO is currently at 27.75, indicating that the stock is in oversold territory, which may suggest a potential reversal in trend [5][6] - There has been a consensus among sell-side analysts to raise earnings estimates for FICO, with a 0.1% increase in the consensus EPS estimate over the last 30 days, which typically correlates with price appreciation [6] Group 2 - FICO holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, indicating a strong potential for a turnaround [7]

Group 1: Investment Recommendations - Jim Cramer recommended buying SoFi Technologies, Inc. (SOFI) as it plans to allow retail clients to invest in companies like SpaceX, OpenAI, and Epic Games [1] - Cramer expressed a preference for CrowdStrike Holdings, Inc. (CRWD) over Okta, Inc. (OKTA), despite Okta's strong first-quarter revenue of $688 million, which exceeded analyst estimates [2] - Cramer suggested waiting for a pullback in Lincoln Electric Holdings, Inc. (LECO) shares before buying [4] Group 2: Analyst Ratings and Price Targets - Keefe, Bruyette & Woods analyst Sanjay Sakhrani maintained an Outperform rating for American Express Company (AXP) and raised the price target from $360 to $371 [3] - Truist Securities also maintained a Buy rating for American Express and increased the price target from $335 to $340 [3] - BMO Capital analyst Ryan Griffin initiated coverage on Fair Isaac Corporation (FICO) with an Outperform rating and set a price target of $2,000 [3] Group 3: Company Performance and Stock Movements - SoFi shares increased by 3.7% to settle at $20.97 [7] - Okta shares decreased by 4.8% to close at $94.41 [7] - American Express shares rose by 2.5% to close at $325.24 [7] - Fair Isaac shares fell by 0.5% to settle at $1,584.38 [7] - Lincoln Electric shares increased by 1.4% to close at $223.47 [7] - Campbell's Company (CPB) reported better-than-expected third-quarter results, although its shares slipped by 0.8% to settle at $30.49 [4][7]

Core Viewpoint - Fair Isaac Corporation (FICO) shares fell 13.4% following comments from the Federal Housing Finance Agency (FHFA) Director Bill Pulte regarding the introduction of VantageScore 4.0 as a potential competitor to FICO's credit scoring monopoly [1][4]. Group 1: Market Dynamics - FICO has historically held a near-monopoly on credit scoring, allowing for significant price increases, the latest occurring in January [1]. - The FHFA's endorsement of VantageScore 4.0 for use by government-sponsored entities (GSEs) like Fannie Mae and Freddie Mac could lead to a reduction in FICO's market share, as these GSEs guarantee about half of all U.S. mortgages [2][4]. - VantageScore, developed in 2017, utilizes alternative data and less stringent traditional data requirements, potentially benefiting borrowers with limited credit history [3]. Group 2: Competitive Landscape - Despite the recent decline in FICO's stock, it still trades at a high valuation of 70 times earnings, indicating that investors do not anticipate significant declines in market share or revenue [6]. - The FHFA had previously mandated the use of VantageScore by Fannie Mae and Freddie Mac in late 2022, providing a three-year grace period for implementation, suggesting that the recent news may not be entirely new [7]. - The introduction of VantageScore could mitigate the risk of federal agencies moving towards a "bi-merge" scoring system, which would reduce the reliance on FICO scores [8]. Group 3: Pricing Strategy - FICO's recent price hikes, including the latest increase in January, may be halted as the new FHFA director aims to lower costs for homeowners [9].

Core Viewpoint - Several companies are enhancing shareholder value through dividends, buybacks, and debt paydown, which can lower risk and potentially increase stock value [1][2]. Group 1: Thor Industries - Thor Industries announced a $400 million buyback program, representing approximately 8.1% of its market capitalization [2][3]. - The company has repurchased over 340,000 shares, spending over $29 million from June 6 to June 23, indicating a belief that its shares are undervalued [3]. - Thor Industries has a dividend yield of 2.2%, contributing to its overall yield generation strategy [3]. Group 2: Fair Isaac - Fair Isaac announced a $1 billion buyback program, which is about 2.2% of its market capitalization of approximately $45 billion [4][5]. - The company has increased its buyback spending to nearly $300 million per quarter over the last 12 months, suggesting a view that its shares are undervalued [5][6]. - As of July 3, Fair Isaac's stock was trading around 21% below its all-time high, with a consensus price target implying over 24% upside potential [6]. Group 3: Dana - Dana plans to reduce its debt significantly by using $2.4 billion from the sale of its off-highway business, targeting a $2 billion debt paydown, which equates to a 77% debt paydown yield [8][9]. - The company intends to allocate $1 billion for dividends and buybacks through 2027, representing over 38% of its market capitalization [9]. - Dana's current dividend yield is 2.2%, and it aims to utilize multiple pathways to generate shareholder value [9][10].

Core Viewpoint - The recent decline in Fair Isaac's stock is primarily attributed to the announcement that Fannie Mae and Freddie Mac will allow lenders to use alternatives to the FICO score for assessing creditworthiness, specifically the Vantage 4.0 Scores [3][4]. Company Summary - Fair Isaac's shares dropped 16% following a tweet from the director of the Federal Housing Finance Agency, indicating a shift in creditworthiness assessment practices [3]. - The company has historically held a monopoly on FICO scores, which are integral to mortgage lending [4]. - Fair Isaac charges $3.50 for a FICO score, representing only 0.2% of typical mortgage closing costs, suggesting that the financial impact of switching to Vantage scores may be minimal [5]. Stock Valuation - Despite the recent news, the high valuation of Fair Isaac's stock, trading at over 80 times earnings, presents a more compelling reason for investors to consider selling [6].

The news and noise about and around Fair Isaac Corporation (NYSE: FICO ) has been exciting of late. Just about three weeks ago, on 20 May, FICO shares fell 8% in a single day’s trading. The next day, the sell-off was sharper: The shares were down overI am a writer with diverse interests from creative writing to physics to tennis and music. Another interest is markets/investing. I live on the Israeli Golan Heights.I believe in research as a critical component of any investing decision. I find company dynamic ...

Core Viewpoint - Fair Isaac (FICO) shares have declined approximately 18.6% since the last earnings report, underperforming the S&P 500, raising questions about the potential for a breakout or continued negative trend leading up to the next earnings release [1] Estimates Movement - Estimates for Fair Isaac have trended downward over the past month, indicating a negative shift in expectations [2][4] VGM Scores - Fair Isaac currently holds a subpar Growth Score of D, a Momentum Score of A, and a Value Score of F, placing it in the lowest quintile for the value investment strategy. The aggregate VGM Score for the stock is D, which is significant for investors not focused on a single strategy [3] Outlook - The downward trend in estimates suggests a negative outlook for Fair Isaac, with a Zacks Rank of 3 (Hold), indicating expectations for an in-line return in the coming months [4] Industry Performance - Fair Isaac is part of the Zacks Computers - IT Services industry, where ServiceNow (NOW) has performed positively, gaining 6.9% over the past month. ServiceNow reported revenues of $3.09 billion for the last quarter, reflecting a year-over-year increase of 18.6% [5] ServiceNow Earnings Expectations - ServiceNow is projected to post earnings of $3.53 per share for the current quarter, representing a year-over-year change of 12.8%. The Zacks Consensus Estimate for ServiceNow has remained unchanged over the last 30 days, and it also holds a Zacks Rank of 3 (Hold) with a VGM Score of C [6]