Financial Data and Key Metrics Changes - The company reported Q2 revenues of $499 million, an increase of 15% year-over-year [7] - GAAP net income for the quarter was $163 million, up 25%, with GAAP earnings per share at $6.59, a 28% increase from the prior year [8][22] - Non-GAAP net income was $193 million, also up 25%, with non-GAAP earnings per share at $7.81, a 27% increase [8][22] - Free cash flow for the quarter was $65 million, a 6% increase year-over-year, with total free cash flow over the last four quarters at $677 million, up 45% [8][23] Business Line Data and Key Metrics Changes - In the Scores segment, revenues were $297 million, up 25% year-over-year, with B2B revenues increasing by 31% primarily due to mortgage originations [9][17] - B2C revenues grew by 6%, driven by revenue from indirect channel partners [9][17] - Mortgage origination revenues surged by 48%, accounting for 54% of B2B revenue and 44% of total Scores revenue [9][10] - The Software segment reported revenues of $202 million, a 2% increase from the prior year, with on-premises and SaaS software revenue growing by 4% [13][18] Market Data and Key Metrics Changes - The Americas region contributed 86% of total company revenues, while EMEA generated 9% and Asia Pacific delivered 5% [18] - Total software ARR was $715 million, a 3% increase year-over-year, with platform ARR growing by 17% [19] - The dollar-based net retention rate for the quarter was 102%, with platform NRR at 110% and non-platform at 96% [20] Company Strategy and Development Direction - The company continues to focus on innovation, with new products and partnerships aimed at enhancing financial inclusion and customer engagement [10][12] - The strategy includes a land and expand approach to drive growth in ARR and NRR, with a focus on increasing customer usage [13][19] - The company is investing in indirect sales channels to enhance market reach and capitalize on opportunities in non-financial services [114] Management's Comments on Operating Environment and Future Outlook - Management acknowledged a fluid macroeconomic environment but expressed confidence in the company's strategy and execution [24] - There is a cautious outlook regarding guidance due to uncertainty in the market, with management remaining conservative [31][39] - The company expects to see an acceleration in free cash flow in the second half of the fiscal year [23] Other Important Information - The company repurchased 112,000 shares in Q2 at an average price of $18.49 per share, viewing share repurchases as an attractive use of cash [24] - The upcoming FICO World Conference is expected to showcase innovations and customer success stories, serving as a significant sales pipeline building event [25][26] Q&A Session Summary Question: How did results compare to expectations? - Management noted that the results were in line with expectations, reflecting a conservative approach due to market uncertainty [31] Question: What is the outlook for software growth? - Management indicated that macroeconomic factors are impacting growth, but they remain optimistic about the platform side's strength [32][34] Question: Have there been changes in credit origination volumes? - Management reported no significant changes in credit origination volumes, but acknowledged the uncertainty in the macro environment [37][39] Question: What is the visibility into platform growth? - Management has some visibility into future growth but noted that macro conditions could affect deal closures [40][41] Question: Are there changes in customer behavior regarding platform sales cycles? - Management stated that there have been no significant changes in customer behavior or sales cycles [44][46] Question: What is the impact of the regulatory environment? - Management expressed that the regulatory environment remains favorable for the company, with ongoing conversations with regulators [74] Question: What are the strategic priorities moving forward? - Management highlighted upcoming innovations and the use of AI, with a focus on enhancing product offerings [125]

[Earnings Announcement & Fiscal Highlights](index=1&type=section&id=Earnings%20Announcement%20%26%20Fiscal%20Highlights) FICO reported strong Q2 FY25 GAAP and Non-GAAP results with significant growth in net income, EPS, and revenue, and reiterated positive fiscal year 2025 guidance [Second Quarter Fiscal 2025 GAAP Results](index=1&type=section&id=Second%20Quarter%20Fiscal%202025%20GAAP%20Results) FICO reported strong GAAP results for Q2 FY25, with net income and EPS increasing significantly year-over-year, alongside an increase in operating cash flow **Second Quarter Fiscal 2025 GAAP Results (in millions, except EPS):** | Metric | Q2 FY25 | Q2 FY24 | YoY Change | | :--- | :--- | :--- | :--- | | Net income | $162.6 | $129.8 | +25.3% | | EPS | $6.59 | $5.16 | +27.7% | | Net cash provided by operating activities | $74.9 | $71.0 | +5.5% | [Second Quarter Fiscal 2025 Non-GAAP Results](index=1&type=section&id=Second%20Quarter%20Fiscal%202025%20Non-GAAP%20Results) FICO's Non-GAAP results for Q2 FY25 also showed substantial growth in net income and EPS, alongside an increase in free cash flow compared to the prior year **Second Quarter Fiscal 2025 Non-GAAP Results (in millions, except EPS):** | Metric | Q2 FY25 | Q2 FY24 | YoY Change | | :--- | :--- | :--- | :--- | | Non-GAAP Net Income | $192.7 | $154.5 | +24.7% | | Non-GAAP EPS | $7.81 | $6.14 | +27.2% | | Free cash flow | $65.5 | $61.6 | +6.3% | [Second Quarter Fiscal 2025 GAAP Revenue Breakdown](index=1&type=section&id=Second%20Quarter%20Fiscal%202025%20GAAP%20Revenue%20Breakdown) Total revenue increased by 15% year-over-year, driven primarily by a 25% increase in Scores revenue, particularly B2B solutions. Software revenue also grew, mainly from increased license revenue **Second Quarter Fiscal 2025 GAAP Revenue (in millions):** | Segment | Q2 FY25 Revenue | Q2 FY24 Revenue | YoY Change | | :--- | :--- | :--- | :--- | | Total Revenues | $498.7 | $433.8 | +15% | | Scores revenues | $297.0 | $236.9 | +25% | | Software revenues | $201.7 | $196.9 | +2% | - B2B Scores revenue increased **31%**, largely due to higher unit prices[4](index=4&type=chunk) - B2C Scores revenue increased **6%** from increased revenue from indirect channel partners[4](index=4&type=chunk) - Software Annual Recurring Revenue (ARR) at March 31, 2025, was up **3%** year-over-year, consisting of **17%** platform ARR growth and a **3%** decline in non-platform ARR[4](index=4&type=chunk) - Total Software Dollar-Based Net Retention Rate was **102%** on March 31, 2025, with platform software at **110%** and non-platform software at **96%**[4](index=4&type=chunk) [Fiscal Year 2025 Guidance](index=2&type=section&id=Fiscal%20Year%202025%20Guidance) FICO reiterated its fiscal year 2025 guidance, projecting double-digit percentage growth for both revenue and earnings, with specific GAAP and Non-GAAP targets **Fiscal 2025 Guidance (in millions, except EPS):** | Metric | Guidance | | :--- | :--- | | Revenues | $1,980 | | GAAP Net Income | $624 | | GAAP EPS | $25.05 | | Non-GAAP Net Income | $712 | | Non-GAAP EPS | $28.58 | - FICO reiterates its fiscal year 2025 guidance, which includes **double-digit percentage growth** for both revenue and earnings[4](index=4&type=chunk) [Company Overview](index=2&type=section&id=Company%20Overview) FICO, a pioneer in predictive analytics since 1956, holds over 200 patents and its FICO Score is a global credit risk standard, with solutions used in over 80 countries [About FICO](index=2&type=section&id=About%20FICO) FICO is a global analytics software leader, founded in 1956, known for pioneering predictive analytics and data science, holding over 200 patents, and its FICO Score being a standard measure of consumer credit risk globally - Founded in **1956**, FICO is a pioneer in predictive analytics and data science[6](index=6&type=chunk) - Holds over **200 U.S. and foreign patents** on technologies[6](index=6&type=chunk) - The FICO Score is used by **90% of top U.S. lenders** and available in over **40 other countries**[6](index=6&type=chunk) - Solutions are used by businesses in more than **80 countries** across financial services, insurance, telecommunications, health care, retail, and other industries[6](index=6&type=chunk) [Statement Concerning Forward-Looking Information](index=3&type=section&id=Statement%20Concerning%20Forward-Looking%20Information) This section provides a standard disclaimer regarding forward-looking statements, highlighting various risks and uncertainties that could cause actual results to differ materially from expectations - Forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially[7](index=7&type=chunk) - Risks include macroeconomic conditions, success of Decision Management strategy, customer relationships, product development, personnel retention, competition, regulatory changes, data protection, and global economic conditions[7](index=7&type=chunk) - Investors are cautioned not to place undue reliance on forward-looking statements, and FICO disclaims any obligation to update them[7](index=7&type=chunk) [Condensed Consolidated Financial Statements (Unaudited)](index=4&type=section&id=Condensed%20Consolidated%20Financial%20Statements%20(Unaudited)) This section presents FICO's unaudited condensed consolidated financial statements, including balance sheets, income statements, and cash flows, for the reported periods [Condensed Consolidated Balance Sheets](index=4&type=section&id=Condensed%20Consolidated%20Balance%20Sheets) As of March 31, 2025, FICO's total assets increased to **$1,835,753 thousand** from **$1,717,884 thousand** at September 30, 2024, primarily driven by increases in accounts receivable and prepaid expenses, while total liabilities also increased, leading to a larger stockholders' deficit **Condensed Consolidated Balance Sheets (In thousands):** | Metric | March 31, 2025 | September 30, 2024 | | :--- | :--- | :--- | | Total assets | $1,835,753 | $1,717,884 | | Total liabilities | $2,959,805 | $2,680,563 | | Stockholders' deficit | $(1,124,052) | $(962,679) | | Cash and cash equivalents | $146,641 | $150,667 | | Accounts receivable, net | $492,542 | $426,642 | | Long-term debt | $2,513,179 | $2,194,021 | [Condensed Consolidated Statements of Income](index=5&type=section&id=Condensed%20Consolidated%20Statements%20of%20Income) For the quarter ended March 31, 2025, FICO reported a 15% increase in total revenues and a 26% increase in operating income year-over-year, leading to a 25% rise in net income and diluted EPS growth **Condensed Consolidated Statements of Income (Quarter Ended March 31, In thousands, except per share data):** | Metric | 2025 | 2024 | YoY Change | | :--- | :--- | :--- | :--- | | Total revenues | $498,735 | $433,809 | +15% | | Operating income | $245,648 | $194,841 | +26.1% | | Net income | $162,615 | $129,799 | +25.3% | | Diluted EPS | $6.59 | $5.16 | +27.7% | **Condensed Consolidated Statements of Income (Six Months Ended March 31, In thousands, except per share data):** | Metric | 2025 | 2024 | YoY Change | | :--- | :--- | :--- | :--- | | Total revenues | $938,703 | $815,868 | +15.1% | | Operating income | $425,176 | $346,200 | +22.8% | | Net income | $315,143 | $250,864 | +25.6% | | Diluted EPS | $12.73 | $9.96 | +27.8% | [Condensed Consolidated Statements of Cash Flows](index=6&type=section&id=Condensed%20Consolidated%20Statements%20of%20Cash%20Flows) For the six months ended March 31, 2025, net cash provided by operating activities significantly increased to **$268,915 thousand** from **$193,155 thousand** in the prior year, while net cash used in investing and financing activities also increased **Condensed Consolidated Statements of Cash Flows (Six Months Ended March 31, In thousands):** | Metric | 2025 | 2024 | YoY Change | | :--- | :--- | :--- | :--- | | Net cash provided by operating activities | $268,915 | $193,155 | +39.2% | | Net cash used in investing activities | $(19,883) | $(12,040) | +65.1% | | Net cash used in financing activities | $(247,723) | $(183,222) | +35.2% | | Cash and cash equivalents, end of period | $146,641 | $135,667 | +8.1% | [Non-GAAP Financial Measures & Reconciliations](index=7&type=section&id=Non-GAAP%20Financial%20Measures%20%26%20Reconciliations) This section details FICO's Non-GAAP financial results, provides a reconciliation of Non-GAAP guidance, and explains the rationale behind using these adjusted measures [Non-GAAP Results (Quarter and Six Months Ended March 31)](index=7&type=section&id=Non-GAAP%20Results%20(Quarter%20and%20Six%20Months%20Ended%20March%2031)) FICO's Non-GAAP net income and diluted EPS showed strong growth for both the quarter and six months ended March 31, 2025, after adjusting for specific non-cash and non-recurring items, with free cash flow also increasing **Non-GAAP Results (Quarter Ended March 31, In thousands, except per share data):** | Metric | 2025 | 2024 | YoY Change | | :--- | :--- | :--- | :--- | | Non-GAAP net income | $192,689 | $154,492 | +24.7% | | Non-GAAP diluted EPS | $7.81 | $6.14 | +27.2% | | Free cash flow | $65,491 | $61,613 | +6.3% | **Non-GAAP Results (Six Months Ended March 31, In thousands, except per share data):** | Metric | 2025 | 2024 | YoY Change | | :--- | :--- | :--- | :--- | | Non-GAAP net income | $336,478 | $275,716 | +22.0% | | Non-GAAP diluted EPS | $13.59 | $10.95 | +24.1% | | Free cash flow | $252,317 | $182,372 | +38.3% | [Reconciliation of Non-GAAP Guidance (Fiscal 2025)](index=8&type=section&id=Reconciliation%20of%20Non-GAAP%20Guidance%20(Fiscal%202025)) FICO provided a reconciliation of its fiscal 2025 GAAP guidance to Non-GAAP guidance, primarily adjusting for share-based compensation expense and income tax adjustments to arrive at higher Non-GAAP net income and EPS targets **Reconciliation of Non-GAAP Guidance (Fiscal 2025, In millions, except per share data):** | Metric | GAAP Guidance | Adjustments | Non-GAAP Guidance | | :--- | :--- | :--- | :--- | | Net income | $624 | +$157 (Share-based comp) - $39 (Income tax adj) - $30 (Excess tax benefit) | $712 | | Diluted EPS | $25.05 | +$6.31 (Share-based comp) - $1.58 (Income tax adj) - $1.20 (Excess tax benefit) | $28.58 | [Explanation of Non-GAAP Financial Measures](index=7&type=section&id=Explanation%20of%20Non-GAAP%20Financial%20Measures) FICO uses non-GAAP financial measures to provide supplemental information, excluding certain items to offer a clearer view of recurring business results and aid management in financial and operational decision-making - Non-GAAP financial measures include non-GAAP net income, non-GAAP EPS, and free cash flow[16](index=16&type=chunk)[17](index=17&type=chunk)[20](index=20&type=chunk) - These measures exclude items such as amortization expense, share-based compensation expense, restructuring and acquisition-related items, excess tax benefit, and capital expenditures[16](index=16&type=chunk)[17](index=17&type=chunk)[20](index=20&type=chunk) - Management uses these measures for financial and operational decision-making, evaluating period-to-period comparisons, and assessing performance by excluding items not indicative of recurring business results[16](index=16&type=chunk)[17](index=17&type=chunk)[20](index=20&type=chunk) [Investor Information](index=2&type=section&id=Investor%20Information) This section provides details for FICO's upcoming investor conference call and contact information for investor and analyst inquiries [Conference Call Details](index=2&type=section&id=Conference%20Call%20Details) FICO will host a webcast on April 29, 2025, to discuss its Q2 FY25 results and provide updates, accessible via its investor relations website - Date: **April 29, 2025**[5](index=5&type=chunk) - Time: **5:00 p.m. Eastern Time (2:00 p.m. Pacific Time)**[5](index=5&type=chunk) - Purpose: Report second quarter fiscal 2025 results and provide strategic and operational updates[5](index=5&type=chunk) - Access: FICO's website at www.fico.com/investors[5](index=5&type=chunk) [Contacts](index=8&type=section&id=Contacts) Investor and analyst inquiries can be directed to Dave Singleton at Fair Isaac Corporation via phone or email - Investors/Analysts Contact: Dave Singleton[22](index=22&type=chunk) - Company: Fair Isaac Corporation[22](index=22&type=chunk) - Phone: (800) 459-7125[22](index=22&type=chunk) - Email: investor@fico.com[22](index=22&type=chunk)

Financial Performance - Total revenues for the quarter ended March 31, 2025, were $498.7 million, a 15% increase from $433.3 million in the same quarter of 2024[71] - Revenues for the Scores segment were $297.0 million during the quarter ended March 31, 2025, a 25% increase from $237.6 million in the same quarter of 2024[71] - Annual Recurring Revenue (ARR) for the Software segment as of March 31, 2025, was $714.6 million, a 3% increase from $693.0 million as of March 31, 2024[71] - Operating income for the quarter ended March 31, 2025, was $245.6 million, a 26% increase from $194.8 million in the same quarter of 2024[71] - Net income for the quarter ended March 31, 2025, was $162.6 million, a 25% increase from $130.0 million in the same quarter of 2024[71] - Diluted EPS for the quarter ended March 31, 2025, was $6.59, a 28% increase from $5.15 in the same quarter of 2024[71] Cash Flow and Debt - Cash flows from operating activities for the six months ended March 31, 2025, were $268.9 million, compared to $193.2 million for the same period in 2024[71] - Total debt balance was $2.5 billion as of March 31, 2025, an increase from $2.2 billion as of September 30, 2024[71] - Cash and cash equivalents as of March 31, 2025, totaled $146.6 million, including $100.4 million held by foreign subsidiaries, sufficient to meet capital requirements for at least the next 12 months[111] - Net cash provided by operating activities increased to $268.9 million for the six months ended March 31, 2025, up from $193.2 million, driven by a $64.3 million increase in net income[115] - Net cash used in investing activities increased to $19.9 million for the six months ended March 31, 2025, from $12.0 million for the same period in 2024, primarily due to an $8.3 million increase in capitalized internal-use software costs[116] - Net cash used in financing activities rose to $247.7 million for the six months ended March 31, 2025, compared to $183.2 million for the same period in 2024, driven by a $136.3 million increase in common stock repurchases[117] Expenses and Operating Metrics - Research and development expenses for the quarter increased by $4.2 million, remaining consistent at 9% of revenues[90] - Cost of revenues as a percentage of revenues decreased to 18% for the quarter ended March 31, 2025, down from 20% in the prior year[87] - Total operating expenses for the quarter were $253.1 million, a 6% increase from $239.0 million in the same quarter of 2024[85] - Selling, general and administrative expenses increased by $9.6 million year-over-year, with personnel and labor costs rising by $5.9 million and advertising expenses increasing by $3.6 million; however, these expenses as a percentage of revenues decreased from 26% to 24%[93] - Year-to-date selling, general and administrative expenses rose by $33.2 million, driven by an $18.5 million increase in personnel costs and a $10.3 million increase in advertising costs, while the percentage of revenues decreased from 27% to 26%[94] Segment Performance - Scores segment revenues increased by $60.2 million to $297.0 million, driven by a $57.0 million increase in business-to-business scores revenue[81] - Software segment revenues increased by $4.8 million to $201.7 million, primarily due to a $6.6 million increase in on-premises and SaaS software revenue[82] - Scores segment operating income increased by $52.8 million, resulting from a $60.2 million rise in segment revenue, maintaining an operating income margin of 89%[103] - Operating income for the quarter increased by $50.8 million, attributed to a $64.9 million rise in segment revenues, while total segment operating income rose by 25%[101] - Year-to-date operating income increased by $78.976 million, primarily due to a $122.8 million rise in segment revenues, with total segment operating income up by 23%[106] Tax and Interest - The effective income tax rate improved to 23.7% for the quarter ended March 31, 2025, down from 24.9% in the prior year, positively impacted by excess tax benefits from share-based compensation[100] - Interest expense increased by $5.3 million for the quarter, primarily due to a higher average outstanding balance on borrowings, despite a lower average interest rate[96] Stock and Financing Activities - Total share repurchases during the quarter ended March 31, 2025, were $207.0 million, compared to $179.5 million in the same quarter of 2024[71] - The company has a new stock repurchase program authorized for up to $1.0 billion, with $394.1 million remaining as of March 31, 2025, after expending $366.8 million under the program in the six months ended March 31, 2025[118] Risk Management - The company is exposed to market risk related to changes in interest rates and foreign exchange rates, with no use of derivative financial instruments for speculative purposes[126] - The company has foreign currency forward contracts to manage exchange rate risk, with a contract amount of €8,500 and £16,026 as of March 31, 2025[130]

Core Viewpoint - Fair Isaac Corporation (FICO) is expected to report strong revenue and earnings growth for the second quarter of fiscal 2025, driven by innovations in its scoring business and increased adoption of its FICO Score 10T product. Financial Performance - The Zacks Consensus Estimate for second-quarter fiscal 2025 revenues is $496.22 million, indicating a 14.39% increase from the previous year [1] - The consensus estimate for earnings is $7.39 per share, reflecting a 20.36% year-over-year growth [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 0.92% [2] - The company has seen sustained growth in Scores revenues, supported by continuous innovation and the incorporation of Buy Now, Pay Later loan data into its scoring models [3] Product Development and Market Position - The expansion of FICO Score 10T for non-GSE mortgages is likely to have driven revenue growth, supported by customer adoption and expansion among existing clients [4] - FICO's land-and-expand strategy and increased recurring revenues have strengthened its market position, contributing to sustained growth [5] Industry Leadership - FICO reported strong adoption momentum for FICO Score 10T in mortgage origination, with loans utilizing this score beginning to trade on the MCT Marketplace, indicating broader market acceptance [6] Earnings Expectations - According to the Zacks model, FICO has an Earnings ESP of -1.71% and a Zacks Rank of 3, suggesting a moderate likelihood of an earnings beat [7]

Core Viewpoint - Fair Isaac (FICO) is expected to report strong quarterly earnings and revenue growth, with analysts predicting earnings per share (EPS) of $7.39, a 20.4% increase year-over-year, and revenues of $496.22 million, reflecting a 14.4% increase compared to the same period last year [1]. Earnings Estimates - The consensus EPS estimate has been revised down by 0.1% over the last 30 days, indicating a slight reevaluation by analysts [2]. - Revisions to earnings estimates are crucial as they serve as indicators for potential investor actions regarding the stock, with empirical research showing a strong correlation between earnings estimate trends and short-term stock price performance [3]. Revenue Projections - Analysts estimate 'Revenues- Professional services' at $19.18 million, a decrease of 2.9% from the prior year [5]. - 'Revenues- Software' is projected to reach $211.53 million, an increase of 7.4% year-over-year [5]. - 'Revenues- Scores' are expected to be $286.00 million, reflecting a 20.7% increase from the previous year [5]. - 'Revenues- On-premises and SaaS software' are forecasted at $192.35 million, indicating an 8.6% year-over-year increase [6]. - 'Revenues- Scores- Business-to-consumer' is expected to be $52.90 million, a 3% increase from the prior year [6]. - 'Revenues- Scores- Business-to-business' is projected to reach $235.89 million, a significant increase of 27.2% year-over-year [6]. Annual Recurring Revenue (ARR) - 'Annual Recurring Revenue (ARR) - Platform' is estimated at $248.73 million, up from $201.40 million a year ago [7]. - The total 'Annual Recurring Revenue (ARR) - Total' is projected to be $751.38 million, compared to $697 million in the same quarter last year [7]. - 'Annual Recurring Revenue (ARR) - Non-Platform' is expected to reach $502.65 million, an increase from $495.60 million reported in the same quarter of the previous year [8]. Stock Performance - Fair Isaac shares have increased by 3.5% over the past month, contrasting with the Zacks S&P 500 composite's decline of 4.8% [9].

Group 1: Stock Splits Overview - Stock splits are cosmetic events that alter a company's share price and outstanding share count without impacting market capitalization or operating performance [2] - There are two types of stock splits: forward splits, which lower nominal share prices to make shares more affordable for retail investors, and reverse splits, which increase share prices and are less popular [3][4] - The investment community favors forward stock splits, typically associated with companies outperforming their competition and leading in innovation [4] Group 2: Current Market Trends - In 2024, numerous high-profile stock splits occurred, raising investor interest in identifying potential blockbuster stock-split candidates for 2025 [5] - Many companies with high institutional ownership, such as AutoZone, Netflix, and FICO, are less likely to pursue stock splits due to their limited retail investor presence [9][10] Group 3: Meta Platforms as a Candidate - Meta Platforms, a member of the "Magnificent Seven," has never completed a stock split and currently has a share price around $600 with retail ownership nearing 29%, making it a prime candidate for a split [11][12] - Meta's competitive advantages include attracting 3.35 billion daily active users across its apps, which enhances its advertising pricing power, with a 10% increase in average ad prices last year [13] - The company generates approximately 98% of its net sales from advertising and is well-positioned to benefit from economic expansions, as well as being a key player in the AI revolution [14][15] - Meta has substantial financial resources, closing 2024 with $77.8 billion in cash and generating over $91.3 billion in net cash from operating activities, allowing it to invest in growth initiatives [17] - The combination of a strong operating model and significant retail ownership positions Meta Platforms as a likely candidate for the first blockbuster stock split of 2025 [18]

Group 1 - Fair Isaac (FICO) is a notable stock in the Computer and Technology sector, which consists of 619 individual stocks and holds a Zacks Sector Rank of 3 [2] - FICO currently has a Zacks Rank of 2 (Buy), indicating a positive outlook based on earnings estimates and revisions, with a 0.3% increase in the consensus estimate for full-year earnings over the past three months [3] - Year-to-date, FICO has increased by 72.4%, significantly outperforming the average sector return of 27.9% [4] Group 2 - Fair Isaac is part of the Computers - IT Services industry, which includes 40 companies and is currently ranked 46 in the Zacks Industry Rank, with an average gain of 7.9% this year [5] - Advantest Corp. is another stock in the Computer and Technology sector that has outperformed, with a year-to-date increase of 80.1% and a Zacks Rank of 2 (Buy) [4][5] - The Electronics - Measuring Instruments industry, which includes Advantest Corp., has underperformed with a year-to-date decline of -3.9% [6]

SAN JOSE, Calif.--(BUSINESS WIRE)--CrossCountry Mortgage (CCM), the nation’s number three retail mortgage lender, has adopted FICO® Score 10 T. As a forward-thinking industry trailblazer, the lender will use FICO’s newest, most innovative, and most predictive scoring model to support origination and decision making for non-confirming loans, ultimately helping more consumers realize the dream of homeownership. Additionally, CCM is the first mortgage lender to commit to issuing mortgage-backed securities ( ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-11689 Fair Isaac Corporation (Exact name of registrant as specified in its charter) Delaware 94-1499887 (State or other ...

Fair Isaac Corporation (NYSE:FICO) Q3 2022 Results Conference Call August 3, 2022 5:00 PM ET Company Participants Steve Weber - VP, IR Will Lansing - CEO Mike McLaughlin - CFO Conference Call Participants Manav Patnaik - Barclays Kyle Peterson - Needham Surinder Thind - Jefferies George Tong - Goldman Sachs Jeff Meuler - Baird John Mazzoni - RBC Capital Markets Operator Greetings, and welcome to the Fair Isaac Corporation Quarterly Earnings Call. [Operator Instructions] As a reminder, this conference is bei ...