Fair Isaac Corporation (NYSE:FICO) Q4 2025 Earnings Call November 05, 2025 05:00 PM ET Company ParticipantsGuru Ariel - Tableau ConsultantFaisal - Managing DirectorSteve Weber - CFOWill Lansing - CEOScott Wurtzel - Equity Research VPDave Singleton - VP of Investor RelationsConference Call ParticipantsAshish Sabadra - Information and Business Services AnalystManav Patnaik - Managing Director and Senior Equity AnalystKevin McVeigh - AnalystJohn Mazzoni - AnalystJeff Meuler - Senior Research AnalystCraig Huber ...

Fair Isaac Corporation (NYSE:FICO) Q4 2025 Earnings Call November 05, 2025 05:00 PM ET Company ParticipantsGuru Ariel - Tableau ConsultantFaisal - Managing DirectorSteve Weber - CFOWill Lansing - CEOScott Wurtzel - Equity Research VPDave Singleton - VP of Investor RelationsConference Call ParticipantsAshish Sabadra - Information and Business Services AnalystManav Patnaik - Managing Director and Senior Equity AnalystKevin McVeigh - AnalystJohn Mazzoni - AnalystJeff Meuler - Senior Research AnalystCraig Huber ...

Fair Isaac Corporation (NYSE:FICO) Q4 2025 Earnings Call November 05, 2025 05:00 PM ET Speaker1Good day, and thank you for standing by. Welcome to the fourth quarter 2025 FICO earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there'll be a question-and-answer session. To ask a question during the session, you'll need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your qu ...

We came across a bullish thesis on Fair Isaac Corporation on Rebound Capital’s Substack. In this article, we will summarize the bulls’ thesis on FICO. Fair Isaac Corporation's share was trading at $1,620.14 as of October 16th. FICO’s trailing and forward P/E were 69.82 and 50.51 respectively according to Yahoo Finance. FICO, the company behind the ubiquitous FICO Score, has become a cornerstone of the U.S. financial system through decades of innovation, strategic partnerships, and regulatory entrenchment ...

Key Takeaways FICO launched new GenAI models designed to cut errors and enhance fraud detection accuracy. FICO Platform was named a leader in AI decisioning platforms by Forrester for the fourth time. FICO expanded with AWS, Cognizant, and Fujitsu partnerships to boost AI adoption globally. Fair Issac (FICO) is benefiting from an innovative portfolio, which has been a major growth driver, enabling the company to maintain its leadership position in the financial services industry. Building on this momentum, ...

核心观点 - 公司作为金融科技巨头正处于转型起点 其核心信用评分业务保持强劲增长 同时通过软件平台扩展和全球市场扩张开辟新增长路径[1][2][15] 核心业务表现 - FICO评分业务年同比增长34% 运营利润率高达88% 体现极高盈利能力[5] - 超过90%的美国顶级贷款机构使用FICO评分 业务具有准垄断地位[4] - 业务模式具备定价权优势 因监管机构、投资者和二级市场要求使用FICO标准评估风险[6] 软件平台扩展 - FICO Platform作为云端决策管理SaaS软件 可自动化客户互动流程包括贷款审批、欺诈检测和营销个性化[9] - 平台业务渗透率仍处早期阶段 仅覆盖不到半数全球前300大金融机构[10] - 软件收入连续八个季度保持两位数增长 传统非平台软件业务持续产生稳定现金流[10][11] 全球市场扩张 - 新兴市场信用分析需求增长 公司可快速部署评分系统 即使在信用数据不完整的国家也能运作[12][13] - 过去30年在40个国家长期运营 已与海外金融机构建立合作伙伴关系[14] - 全球扩张有助于收入来源多元化 降低对美国信用周期的依赖[14]