The earnings call reflected a strong overall performance with record revenues, significant growth in free cash flow, and positive guidance for fiscal 2025. However, there were challenges in the B2C scores segment and professional services, as well as a decline in ACV bookings. The highlights, including strategic partnerships and robust fiscal guidance, suggest a generally positive outlook despite some areas of concern.

Company Guidance

During FICO's Q4 2024 earnings call, the company provided guidance for fiscal 2025, projecting a 15% increase in revenue to approximately $1.98 billion. The guidance also included expectations for GAAP net income to increase by 22% to around $624 million, with GAAP earnings per share rising by 23% to about $25.05. Additionally, non-GAAP net income is expected to grow by 20% to approximately $712 million, translating to non-GAAP earnings per share of about $28.58, also a 20% increase. Key metrics highlighted were strong growth in the Scores segment, with fourth-quarter revenues rising by 27% to $249 million, and a record free cash flow of $219 million for the quarter. The company also mentioned plans to raise mortgage score prices to $4.95 per score, aligning with its strategy of maintaining a fair share of the market value it provides.

Record Revenue and Growth

Fourth quarter revenues reached $454 million, up 16% from last year. Full fiscal year revenue was $1.718 billion, a 13% increase compared to the prior year. GAAP net income for the quarter was $136 million, up 34%, with GAAP earnings per share up 36% from the previous year.

Significant Increase in Free Cash Flow

Record free cash flow of $219 million was achieved in the fourth quarter and $607 million over the last four quarters, marking a 31% increase year-over-year.

Strong Performance in Scores Segment

Fourth quarter revenues were $249 million, up 27% from the prior year. Full year revenues for this segment were $920 million, up 19%.

Partnerships Driving Growth in Software Segment

New partnerships with Tata Consulting Services and Ison Experience aim to leverage FICO's platform for creating industry-specific solutions, enhancing growth in the platform business.

Positive Fiscal 2025 Guidance

Guidance for fiscal year 2025 includes a 15% increase in revenues to about $1.98 billion, with GAAP net income expected to rise by 22%.

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Fair Isaac (FICO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FICO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jan 23, 2025	2025 (Q1)	6.08 / -	4.81	―	―	―
Nov 06, 2024	2024 (Q4)	6.36 / 6.54	5.01	30.54% (+1.53)
Jul 31, 2024	2024 (Q3)	6.37 / 6.25	5.66	10.42% (+0.59)
Apr 25, 2024	2024 (Q2)	5.81 / 6.14	4.78	28.45% (+1.36)
Jan 25, 2024	2024 (Q1)	5.06 / 4.81	4.26	12.91% (+0.55)
Nov 08, 2023	2023 (Q4)	5.29 / 5.01	4.4	13.86% (+0.61)
Aug 02, 2023	2023 (Q3)	5.25 / 5.66	4.47	26.62% (+1.19)
Apr 27, 2023	2023 (Q2)	5.04 / 4.78	4.68	2.14% (+0.10)
Jan 26, 2023	2023 (Q1)	4.06 / 4.26	3.7	15.14% (+0.56)
Nov 09, 2022	2022 (Q4)	4.08 / 4.40	3.92	12.24% (+0.48)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

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FICO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Nov 06, 2024	$2090.63	$2176.10	+4.09%
Jul 31, 2024	$1600.00	$1578.95	-1.32%
Apr 25, 2024	$1193.66	$1110.85	-6.94%
Jan 25, 2024	$1284.27	$1196.36	-6.85%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

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