NYSE$FICO

Fair Isaac Corporation · Q4 2024 earnings

Q4 2024 earnings · · Investor relations

Briefing

FICO reported strong Q4 2024 earnings with revenue of $453.8 million and EPS of $5.44.

FICO's Q4 2024 earnings showed significant growth, with revenue increasing to $453.8 million from $389.7 million in the prior year. GAAP EPS rose to $5.44, and non-GAAP EPS reached $6.54. The company's performance was driven by strong growth in scores revenue and increased recurring software revenue.

  • FICO reported Q4 2024 revenue of $453.8 million, a 16% increase year-over-year.
  • GAAP EPS for Q4 2024 was $5.44, compared to $4.01 in the prior year period.
  • Scores revenues increased by 27% to $249.2 million, driven by a 38% increase in B2B revenue.
  • Software revenues increased by 5% to $204.6 million, driven by increased recurring revenue.

Headline financials

Total Revenue

$454M

Previous: $390M+16.4%
EPS (adj)

$6.54

Previous: $5.01+30.5%
Capital Expenditures

-$7.12M

Previous: $1.07M-766.9%
Net Income

$136M

Previous: $101M+33.8%
Operating Income

$197M

Previous: $166M+19.0%
Gross Profit

$364M

Previous: $307M+18.7%
R&D Expense

$44.2M

No prior period
Stock-Based Comp

$40M

Previous: $34.1M+17.3%

Revenue & EPS history

FICO · Revenue · Quarterly

$454M

Q4 2024+16.4%vs Q4 2023
Beat estimate in 8 of 15 quarters(53%)
ActualEstimate

Revenue by segment

FICO · $169M total across 1 segment · Q2 2021

  • Scores Revenues
    $169M

Forward guidance

FICO provided fiscal year 2025 guidance, expecting double-digit percentage growth across all metrics.

Tailwinds

  • Projected revenue of $1.98 billion.
  • GAAP net income is expected to be $624 million.
  • GAAP EPS is projected to be $25.05.
  • Non-GAAP net income is guided at $712 million.
  • Non-GAAP EPS is expected to be $28.58.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2024

Historical avgQ4 2024

+1.6%

Avg return

Earnings day

+3.5%

Avg return

5 days after

+7.1%

Avg return

30 days after

65%

44 / 68 earnings

Positive

+29.1%

Q4 2022

Best reaction

-9.4%

Q1 2015

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q2 2026+7.1%+4.9%+23.8%
Q1 2026+1.3%-13.0%-7.6%
Q4 2025+2.8%+10.3%+10.4%
Q2 2025+1.4%+6.1%-12.0%
Q1 2025+2.1%+2.6%+1.3%
Q4 2024+8.3%+16.9%+18.0%
Q3 2024-0.6%-0.4%+8.9%
Q2 2024-6.9%-5.0%+16.1%
Q1 2024-6.2%-6.2%+0.5%
Q4 2023+2.6%+7.9%+20.9%
Q3 2023+3.1%+3.8%+8.1%
Q2 2023+1.9%+3.5%+10.8%
Q1 2023+2.7%+3.6%+3.6%
Q4 2022+29.1%+31.6%+36.6%
Q3 2022+2.8%+5.9%-4.9%
Q2 2022+4.3%+1.3%+11.3%
Q1 2022+18.2%+19.2%+13.4%
Q4 2021-6.4%-3.2%+0.9%
Q3 2021-4.7%-9.2%-10.3%
Q2 2021-2.6%-2.8%-3.3%
Q1 2021-4.0%-1.0%-2.5%
Q4 2020+9.6%+9.9%+17.7%
Q3 2020+5.5%+5.3%+2.2%
Q2 2020+8.6%+6.4%+23.9%
Q1 2020-1.7%+3.0%-8.1%
Q4 2019+7.2%+7.3%+17.1%
Q3 2019+2.8%-3.2%+0.8%
Q2 2019-3.2%+0.2%+6.3%
Q1 2019+5.0%+7.2%+17.3%
Q4 2018-1.4%-1.2%+3.1%
Q3 2018-1.4%-2.1%+9.4%
Q2 2018+5.8%+4.5%+8.7%
Q1 2018+4.4%+6.5%+8.2%
Q4 2017+1.9%+4.1%+8.5%
Q3 2017+0.3%-1.6%-2.5%
Q2 2017+1.4%+3.3%-0.0%
Q1 2017-2.0%+0.9%+6.7%
Q4 2016+1.1%+0.3%+5.6%
Q3 2016+7.8%+9.4%+7.9%
Q2 2016+1.1%
Q1 2016+16.5%
Q4 2015-6.5%
Q3 2015-0.0%
Q2 2015+2.0%
Q1 2015-9.4%
Q4 2014+15.0%
Q3 2014-7.2%
Q2 2014+5.6%
Q1 2014-3.7%
Q4 2013-1.0%
Q3 2013+0.3%
Q2 2013+0.6%
Q1 2013+1.6%
Q4 2012+1.4%
Q3 2012-9.3%
Q2 2012-1.1%
Q1 2012-8.2%
Q4 2011+0.3%
Q3 2011-2.0%
Q2 2011+0.2%
Q1 2010-2.5%
Q1 2011-1.0%
Q2 2010+0.9%
Q4 2008+0.9%
Q4 2010+0.9%
Q3 2010+2.2%
Q4 2009+2.2%
Q3 2009+2.2%

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