Fair Isaac Corporation develops data management, software and analytics products and services that enable companies to automate, improve and connect decisions in North America, Latin America, Europe, the Middle East, Africa and Asia Pacific. The company is headquartered in San Jose, California.
| Revenue (TTM) | $2.53B |
| Gross Profit (TTM) | $2.18B |
| EBITDA | $1.31B |
| Operating Margin | 44.70% |
| Return on Equity | 35.60% |
| Return on Assets | 41.00% |
| Revenue/Share (TTM) | $110.87 |
| Book Value | $-180.60 |
| Price-to-Book | 82.33 |
| Price-to-Sales (TTM) | 6.00 |
| EV/Revenue | 8.02 |
| EV/EBITDA | 15.53 |
| Quarterly Earnings Growth (YoY) | 26.60% |
| Quarterly Revenue Growth (YoY) | 27.40% |
| Shares Outstanding | $21.60M |
| Float | $20.75M |
| % Insiders | 3.02% |
| % Institutions | 102.35% |
Volatility is currently contracting
Fair Isaac's Q4 earnings beat estimates as mortgage pricing and software growth lift revenues, but weak mortgage volumes cloud the fiscal 2027 outlook.
Fair Isaac withholds FY27 guidance amid mortgage pricing uncertainty, even as software platform growth, score adoption and strong cash flow bolster its outlook.
FICO beat on earnings, then went quiet on the one number that drives them. With a $0.99 rival now sharing the same pricing grid, investors must value a mortgage business whose prices only FICO can see.
The credit-score provider said it is transitioning its mortgage originations pricing structure to be tailored to the individual needs of customers, rather than a single flat fee.
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO), global analytics software leader, today announced that Guild Mortgage, New American Funding and PennyMac Financial Services have enrolled in the FICO® Preferred Program and will continue to pull FICO® Scores across their mortgage lending operations. Their participation adds to growing momentum behind the program and underscores the mortgage industry's continued demand for FICO Scores. The latest participants join Fairway Home Mortgage, Movemen.
FICO's Q4 earnings are likely to benefit from strong Scores pricing and platform growth, but mortgage headwinds and rising costs may have pressured profitability.
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FICO said it would hold its $10 pricing for mortgage credit scores.
Fair Isaac said it is holding its price of $10 for mortgage lenders to use its FICO score, a price that is more than double that of competitor VantageScore 4.0.
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO), global analytics software leader, today announced that it will hold its wholesale mortgage price for the FICO® Score through its tri-merge resellers at $10 for lenders and brokers enrolled in its Preferred Program. The $10 price is for a bundle of both the Classic FICO® Score, the credit score that has served as the industry standard for mortgage lending for nearly three decades, and the FICO® Score 10T, FICO's modern credit score and the most.
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