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FICO Fair, Isaac

Fair Isaac Corp. engages in the provision of decision management solutions. It operates through the following segments: Applications, Scores, and Decision Management Software. The Applications segment includes decision management applications designed for a type of business problem or process such as marketing, account origination, customer management, fraud, collections, and insurance claims management. The Scores segment consists of business-to-business scoring solutions and services, business-to-consumer scoring solutions and services including myFICO solutions for consumers, and associated professional services. The Decision Management Software segment comprises the analytic and decision management software tools, FICO decision management suite, and associated professional services. The company was founded by Bill Fair and Earl Isaac in 1956 and is headquartered in San Jose, CA.

Company profile

Ticker
FICO
Exchange
Website
CEO
William Lansing
Employees
Incorporated
Location
Fiscal year end
Former names
FAIR ISAAC & COMPANY INC
SEC CIK
IRS number
941499887

FICO stock data

(
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Investment data

Data from SEC filings
Securities sold
Number of investors

Calendar

5 May 21
27 Jul 21
30 Sep 21
Quarter (USD)
Mar 21 Dec 20 Sep 20 Jun 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Sep 20 Sep 19 Sep 18 Sep 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from Fair, Isaac earnings reports.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
22 Jul 21 Leonard Michael S Common Stock Payment of exercise Dispose F No No 550.24 128 70.43K 8,313.04
22 Jul 21 Leonard Michael S Common Stock Option exercise Aquire M No No 0 365 0 8,441.04
22 Jul 21 Leonard Michael S RSU Common Stock Option exercise Dispose M No No 0 365 0 730
15 Jul 21 Lansing William J Common Stock Sell Dispose S No Yes 521.0004 683 355.84K 128,222
15 Jul 21 Lansing William J Common Stock Sell Dispose S No Yes 519.9646 1,123 583.92K 128,905
15 Jul 21 Lansing William J Common Stock Sell Dispose S No Yes 518.9768 3,733 1.94M 130,028
15 Jul 21 Lansing William J Common Stock Sell Dispose S No Yes 518.0475 6,625 3.43M 133,761
15 Jul 21 Lansing William J Common Stock Sell Dispose S No Yes 517.0519 2,702 1.4M 140,386
15 Jul 21 Lansing William J Common Stock Sell Dispose S No Yes 515.8664 1,042 537.53K 143,088
15 Jul 21 Lansing William J Common Stock Sell Dispose S No Yes 514.9107 758 390.3K 144,130

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

87.0% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 472 495 -4.6%
Opened positions 53 75 -29.3%
Closed positions 76 39 +94.9%
Increased positions 177 173 +2.3%
Reduced positions 168 170 -1.2%
13F shares
Current Prev Q Change
Total value 12.17B 13.69B -11.1%
Total shares 25.04M 25.11M -0.3%
Total puts 92.5K 69.3K +33.5%
Total calls 678.5K 276.8K +145.1%
Total put/call ratio 0.1 0.3 -45.5%
Largest owners
Shares Value Change
BLK Blackrock 4.77M $2.32B +5.8%
Vanguard 2.87M $1.39B +3.1%
Melvin Capital Management 1.17M $566.25M +19.5%
Wellington Management 882.13K $428.76M -0.5%
STT State Street 877.85K $426.68M -3.0%
ATAC Neuberger Berman 701.43K $339.49M -18.4%
Valley Forge Capital Management 666K $323.71M +92.3%
Kayne Anderson Rudnick Investment Management 583.02K $283.38M +8.5%
WCM Investment Management 544.37K $264.59M +3.7%
Geode Capital Management 398.45K $193.43M +2.3%
Largest transactions
Shares Bought/sold Change
Valley Forge Capital Management 666K +319.72K +92.3%
BLK Blackrock 4.77M +260.82K +5.8%
Melvin Capital Management 1.17M +190K +19.5%
MN Manning & Napier 187.69K +187.69K NEW
Norges Bank 0 -180.21K EXIT
Capital Research Global Investors 116.6K -172.36K -59.6%
ATAC Neuberger Berman 701.43K -158.58K -18.4%
Carillon Tower Advisers 0 -153.99K EXIT
Brown Advisory 167.99K +146.79K +692.3%
Newbrook Capital Advisors 0 -116.06K EXIT

Financial report summary

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Competition
Equifax
Management Discussion
  • Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations
  • Statements contained in this report that are not statements of historical fact should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the “PSLRA”). In addition, certain statements in our future filings with the Securities and Exchange Commission (“SEC”), in press releases, and in oral and written statements made by us or with our approval that are not statements of historical fact constitute forward-looking statements within the meaning of the PSLRA. Examples of forward-looking statements include, but are not limited to: (i) projections of revenue, income or loss, expenses, earnings or loss per share, the payment or nonpayment of dividends, capital structure and other statements concerning future financial performance; (ii) statements of our plans and objectives by our management or Board of Directors, including those relating to products or services, research and development, and the sufficiency of capital resources; (iii) statements of assumptions underlying such statements, including those related to economic conditions; (iv) statements regarding results of business combinations; (v) statements regarding business relationships with vendors, customers or collaborators, including the proportion of revenues generated from international as opposed to domestic customers; and (vi) statements regarding products, their characteristics, performance, sales potential or effect in the hands of customers. Words such as “believes,” “anticipates,” “expects,” “intends,” “targeted,” “should,” “potential,” “goals,” “strategy,” “outlook,” “plan,” “estimated,” “will,” variations of these terms and similar expressions are intended to identify forward-looking statements, but are not the exclusive means of identifying such statements. Forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from those in such statements. Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to, those described in Part II, Item 1A “Risk Factors” of this Quarterly Report on Form 10-Q (including the impact of COVID-19 on macroeconomic conditions and our business, operations and personnel). The performance of our business and our securities may be adversely affected by these factors and by other factors common to other businesses and investments, or to the general economy. Forward-looking statements are qualified by some or all of these risk factors. Therefore, you should consider these risk factors with caution and form your own critical and independent conclusions about the likely effect of these risk factors on our future performance. Such forward-looking statements speak only as of the date on which statements are made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which such statement is made to reflect the occurrence of unanticipated events or circumstances. Readers should carefully review the disclosures and the risk factors described in this and other documents we file from time to time with the SEC, including our Quarterly Reports on Form 10-Q and Current Reports on Form 8-K.
  • We use analytics to help businesses automate, improve and connect decisions across their enterprise — an approach we commonly refer to as decision management. Our predictive analytics, which includes the industry-standard FICO® Score, and our decision management technologies leverage the use of data and mathematical algorithms to predict, categorize, and describe consumer behavior in order to power hundreds of billions of customer decisions each year. We help thousands of companies in over 100 countries use our decision management technology to target and acquire customers more efficiently, increase customer value, detect and reduce fraud and credit losses, measure and manage credit risk, maintain regulatory compliance, lower operating expenses, and enter new markets more profitably. Most leading banks and credit card issuers rely on our solutions, as do insurers, retailers, telecommunications providers, automotive companies, pharmaceutical companies, healthcare organizations, public agencies and organizations in other industries. We also serve consumers through online services that enable people to purchase and understand their FICO® Scores, the standard measure of consumer credit risk in the U.S., and empower them to manage their financial health. Most of our solutions address customer engagement, including customer acquisition, customer onboarding, customer servicing and management, and customer protection. We also help businesses improve non-customer decisions such as streamlining transaction and claims processing, and optimizing logistics. Our solutions enable users to make decisions that are more precise, consistent and agile, and that systematically advance business goals. This helps our clients to reduce the cost of doing business, increase revenues and profitability, reduce losses from risks and fraud, and increase customer loyalty.
Content analysis
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New words: Accelerated, ASC, ballot, CCPA, CPRA, customary, emphasize, lender, met, Plant
Removed: analytical, Antitrust, big, dependent, Division, DOJ, exclusionary, February, filed, informing, investigation, letter, opened, party