Core Insights - Fair Isaac (FICO) reported a revenue of $515.75 million for the quarter ended September 2025, reflecting a year-over-year increase of 13.7% and surpassing the Zacks Consensus Estimate by 0.78% [1] - The earnings per share (EPS) for the quarter was $7.74, up from $6.54 in the same quarter last year, exceeding the consensus EPS estimate of $7.34 by 5.45% [1] Financial Performance Metrics - Annual Recurring Revenue (ARR) for the Platform was reported at $263.6 million, slightly below the estimated $267.65 million [4] - Total ARR was $747.3 million, missing the average estimate of $761.69 million [4] - Non-Platform ARR stood at $483.7 million, compared to the estimated $494.05 million [4] - Revenue from Scores was $311.55 million, exceeding the average estimate of $303.78 million, with a year-over-year increase of 25% [4] - Software revenue was $204.2 million, slightly below the estimate of $210.53 million, showing a minor decline of 0.2% year-over-year [4] - Professional services revenue was $21.81 million, marginally below the average estimate of $21.87 million, reflecting a year-over-year decrease of 4.8% [4] - Business-to-consumer Scores revenue was $56.32 million, compared to the estimate of $57.73 million, with an increase of 8.2% year-over-year [4] - On-premises and SaaS software revenue was $182.39 million, below the estimate of $189.13 million, with a year-over-year increase of 0.4% [4] - Business-to-business Scores revenue was $255.32 million, exceeding the estimate of $247.78 million, with a significant year-over-year increase of 29.5% [4] - Operating income for Software was $55.69 million, below the average estimate of $68.79 million [4] - Operating income for Scores was $272.79 million, surpassing the estimate of $263.74 million [4] Stock Performance - Fair Isaac's shares have returned +7.2% over the past month, outperforming the Zacks S&P 500 composite's +1.4% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]

Core Insights - Analysts project Fair Isaac (FICO) will report quarterly earnings of $7.34 per share, a 12.2% increase year over year, with revenues expected to reach $511.78 million, reflecting a 12.8% increase from the same quarter last year [1] Earnings Projections - The consensus EPS estimate has been revised downward by 2.7% over the past 30 days, indicating a collective reassessment by analysts [2] - Revisions to earnings projections are crucial for predicting investor behavior and are linked to short-term stock price performance [3] Revenue Estimates - Analysts estimate 'Revenues- Scores' at $303.78 million, a 21.9% year-over-year increase [5] - 'Revenues- Software' is projected at $210.53 million, reflecting a 2.9% increase from the previous year [5] - 'Revenues- Professional services' is expected to be $21.87 million, indicating a 4.5% decrease year over year [5] - 'Revenues- Scores- Business-to-consumer' is estimated at $57.73 million, a 10.9% increase from the prior year [5] - 'Revenues- On-premises and SaaS software' is projected at $189.13 million, a 4.1% increase from the previous year [5] - 'Revenues- Scores- Business-to-business' is expected to reach $247.78 million, a 25.7% increase year over year [6] Annual Recurring Revenue (ARR) Estimates - 'ARR - Platform' is projected to be $267.65 million, up from $227.00 million in the same quarter last year [6] - 'ARR - Total' is expected to reach $761.69 million, compared to $721.20 million reported in the same quarter last year [7] - 'ARR - Non-Platform' is estimated at $494.05 million, slightly down from $494.20 million in the previous year [7] Stock Performance - Fair Isaac shares have decreased by 11.2% in the past month, contrasting with a 2.1% increase in the Zacks S&P 500 composite [7] - With a Zacks Rank 1 (Strong Buy), FICO is anticipated to outperform the overall market in the near future [7]

Core Insights - Teradata (TDC) reported first-quarter 2025 non-GAAP earnings of 66 cents per share, exceeding the Zacks Consensus Estimate by 15.79%, with a year-over-year increase of 15.8% [1] - Revenues for the quarter were $418 million, missing the Zacks Consensus Estimate by 1.71%, and reflecting a 10% decline year over year on a reported basis and an 8% decline on a constant-currency basis [1] Revenue Breakdown - Total annual recurring revenues (ARR) at the end of Q1 declined 3% year over year to $1.442 billion, with a 2% decline at constant currency [2] - Public cloud ARR increased by 15% on a reported basis and 16% at constant currency year over year to $606 million, driven by rising demand for cloud solutions [2] - Recurring revenues, which contributed 85.6% to total revenues, fell 8% year over year on a reported basis to $358 million [4] - Perpetual software license and hardware revenues increased by 25% year over year to $10 million, while consulting services revenues dropped by 27.5% year over year to $50 million [4] Operating Performance - The gross margin on a non-GAAP basis was 60.3%, down 190 basis points year over year [5] - Selling, general & administrative (SG&A) expenses decreased by 28% year over year to $116 million, while research & development (R&D) expenses were $66 million, down 12% year over year [5] - The non-GAAP operating margin improved to 21.8%, up 270 basis points year over year [5] Balance Sheet Overview - As of March 31, 2025, Teradata had cash and cash equivalents of $368 million, down from $420 million as of December 31, 2024 [6] - Long-term debt was $449 million, slightly down from $455 million as of December 31, 2024 [6] - The company generated $8 million in cash from operating activities in Q1, a significant decrease from $156 million in the previous quarter [6] Guidance and Projections - For Q2 2025, Teradata expects non-GAAP earnings per share between 37 cents and 41 cents, with total revenues anticipated to decline by 7-9% year over year [8] - For the full year 2025, non-GAAP earnings per share are expected to be between $2.15 and $2.25, with total revenues projected to decrease by 4-7% from the previous year [8] - Public cloud ARR growth is projected between 14% and 18% year over year, while total ARR is expected to be flat to grow by 2% year over year [9]