Fair Isaac Corporation (FICO) Q2 2025 Earnings Call April 29, 2025 09:54 PM ET Speaker0 Good day and thank you for standing by. Welcome to the Second Quarter twenty twenty five FICO Earnings Conference Call. At this time, participants are in a listen only mode. After the speakers' presentation, there will be a question and answer session. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Dave Singleton. Please go ahead. Speaker1 ...

业绩总结 - Q2 25总收入为498.7百万美元，较Q1 25增长13%，较Q2 24增长15%[3] - Q2 25非GAAP稀释每股收益为7.81美元，较Q1 25增长35%，较Q2 24增长27%[3] - Q2 25调整后EBITDA为287.8百万美元，较Q1 25增长29%，较Q2 24增长22%[3] - Q2 25总收入为19.8亿美元，同比增长15%[27] - GAAP净收入为6.24亿美元，同比增长26%[27] - GAAP每股收益为25.05美元[27] - 非GAAP净收入为7.12亿美元，同比增长30%[27] - 非GAAP每股收益为28.58美元[27] 用户数据 - Q2 25软件年度经常性收入（ARR）为714.6百万美元，较Q1 25下降2%，较Q2 24增长3%[3] - Q2 25软件年度合同价值（ACV）预订为21.8百万美元，较Q1 25增长3%，较Q2 24增长30%[3] - Q2 25总分数收入较Q2 24增长25%，其中B2B收入增长31%[15] 财务状况 - Q2 25现金及投资总额为192.0百万美元，较Q1 25下降17%[25] - Q2 25总资产为1,835.8百万美元，较Q1 25增长8%[25] - Q2 25的利息覆盖比率为8.23，较Q1 25增长0.08[25] 软件部门表现 - Q2 25软件收入为201.7百万美元，较Q1 25下降1%，较Q2 24增长2%[3] - 软件部门Q2-25收入为2.01亿美元，同比增加2%[26] - 软件部门Q2-25运营利润率为31%，同比下降1%[26] 运营表现 - Q2-25总运营收入为2.87亿美元，环比增长30%[26] - Q2-25总运营利润率为58%，同比增长4%[26]

Fair Isaac (FICO) reported $498.74 million in revenue for the quarter ended March 2025, representing a year- over-year increase of 15%. EPS of $7.81 for the same period compares to $6.14 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $496.22 million, representing a surprise of +0.51%. The company delivered an EPS surprise of +5.68%, with the consensus EPS estimate being $7.39. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall ...

Exhibit 99.1 FICO Announces Earnings of $6.59 per Share for Second Quarter Fiscal 2025 Revenue of $499 million vs. $434 million in prior year BOZEMAN, Mont.--(BUSINESS WIRE)--April 29, 2025--FICO (NYSE:FICO), a global analytics software leader, today announced results for its second fiscal quarter ended March 31, 2025. Second Quarter Fiscal 2025 GAAP Results Net income for the quarter totaled $162.6 million, or $6.59 per share, versus $129.8 million, or $5.16 per share, in the prior year period. Net cash pr ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ 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 o ...

Fair Isaac Corporation (FICO) is set to report its second-quarter fiscal 2025 results on April 29.The Zacks Consensus Estimate for second-quarter fiscal 2025 revenues is pegged at $496.22 million, suggesting an increase of 14.39% from the year-ago quarter’s reported figure.The consensus mark for earnings is pegged at $7.39 per share, up 0.7% over the past 30 days, indicating 20.36% year-over-year growth.The company’s earnings missed the Zacks Consensus Estimate in three of the trailing four quarters while b ...

In its upcoming report, Fair Isaac (FICO) is predicted by Wall Street analysts to post quarterly earnings of $7.39 per share, reflecting an increase of 20.4% compared to the same period last year. Revenues are forecasted to be $496.22 million, representing a year-over-year increase of 14.4%.The consensus EPS estimate for the quarter has been revised 0.1% lower over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates d ...

文章核心观点 - 即使是高质量公司有时也会变得太贵而只应下跌，Crude Value Insights提供专注于石油和天然气的投资服务与社区，关注现金流及相关公司以发掘价值和增长潜力 [1] 服务内容 - 订阅者可使用50多只股票的模型账户、获取勘探与生产公司的深入现金流分析以及参与该行业的实时聊天讨论 [2] 优惠活动 - 今日注册可享受两周免费试用，开启石油与天然气投资新体验 [3]

文章核心观点 自上次财报发布后公司股价上涨跑赢标普500 但近期预估呈下降趋势 公司获Zacks Rank 4（Sell）评级 预计未来几个月回报低于平均水平 [1][11][13] 财务表现 整体业绩 - 2025财年第一季度每股收益5.79美元 低于Zacks共识估计6.76% 同比增长20.4% [2] - 营收4.4亿美元 同比增长15.2% 但低于共识预期3.25% [2] 营收构成 - 软件营收同比增长8%至2.043亿美元 软件年度经常性收入（ARR）同比增长6% 软件美元净留存率为105% [3] - 本地和SaaS软件营收占比42.3% 同比增长10.3%至1.86亿美元 [4] - 专业服务营收占比4.2% 为1830万美元 同比下降14.1% [4] - 评分业务营收占比53.6% 同比增长22.7%至2.357亿美元 包括B2B和B2C评分解决方案 [4] 业务板块营收 - B2B营收同比增长30% 主要受单价提高和抵押贷款发起量增加推动 [5] - B2C营收同比增长3% 得益于间接渠道合作伙伴收入增加 [5] - 抵押贷款发起收入同比飙升110% 占B2B营收44%和总评分营收34% [5] - 汽车贷款发起收入同比增长5% 信用卡和个人贷款收入同比下降3% [5] 运营情况 - 研发费用占营收百分比同比收缩90个基点至10.3% [7] - 销售、一般和行政费用占营收百分比同比增加180个基点至29.1% [7] - 报告季度运营利润率为40.8% 同比扩大120个基点 [7] 资产负债与现金流 - 截至2024年12月31日 公司现金及现金等价物为1.84亿美元 总债务为24亿美元 [8] - 第一财季运营现金流为1.94亿美元 自由现金流为1.87亿美元 均低于上一季度 [9] - 第一财季公司回购7.9万股 [9] 业绩指引 - 2025财年公司预计营收19.8亿美元 非GAAP每股收益预计为28.58美元 [10] 市场表现与评级 股价表现 - 自上次财报发布后一个月内 公司股价上涨约1.4% 跑赢标普500 [1] 预估趋势 - 过去一个月新预估呈下降趋势 [11] VGM评分 - 公司增长评分为A 动量评分和价值评分均为F 综合VGM评分为D [12] 评级与展望 - 公司获Zacks Rank 4（Sell）评级 预计未来几个月回报低于平均水平 [13] 业务亮点 - 2025财年第一季度 FICO Score 10 T在抵押贷款发起业务中持续获客户采用 公司新增客户并提高现有客户采用率 巩固在抵押贷款行业的领先地位 [6]

文章核心观点 - 信用分析专家费埃哲公司（Fair Isaac）股票获分析师看涨上调评级后上涨近3%，表现优于标普500指数，分析师认为该公司股票被低估且有优势值得买入 [1][2][4] 评级变动 - 加拿大皇家银行资本市场的阿希什·萨巴德拉将费埃哲公司评级从“行业表现”上调至“跑赢大盘（买入）”，并将目标股价从每股2040美元提高到2170美元 [2] 评级变动原因 - 萨巴德拉认为该公司股票被低估，市场未充分考虑其在抵押贷款评分领域的主导地位及由此带来的强大定价权 [3] - 该公司凭借这些及其他有利因素，有可能将年度经常性收入（ARR）提高30%以上 [3] 公司优势 - 萨巴德拉认为费埃哲公司对股东友好，其资本配置策略至少能在一定程度上减轻负面发展的影响 [4] - 该公司有坚实的经济护城河，在细分市场持续保持强大影响力，值得考虑买入 [4]