Last $55.66 USD
Change Today -0.40 / -0.71%
Volume 376.7K
FICO On Other Exchanges
Symbol
Exchange
New York
Berlin
As of 8:04 PM 08/20/14 All times are local (Market data is delayed by at least 15 minutes).

fair isaac corp (FICO) Snapshot

Open
$55.93
Previous Close
$56.06
Day High
$56.05
Day Low
$54.83
52 Week High
07/2/14 - $65.62
52 Week Low
09/3/13 - $48.58
Market Cap
1.8B
Average Volume 10 Days
219.3K
EPS TTM
$2.51
Shares Outstanding
32.1M
EX-Date
09/8/14
P/E TM
22.2x
Dividend
$0.08
Dividend Yield
0.14%
Current Stock Chart for FAIR ISAAC CORP (FICO)

fair isaac corp (FICO) Details

Fair Isaac Corporation and its subsidiaries provide various analytical solutions, credit scoring, and credit account management products and services to banks, credit reporting agencies, credit card processing agencies, insurers, retailers, and healthcare organizations worldwide. It offers analytic, software, and data management products and services that enable businesses to automate, improve, and connect decisions to enhance business performance. The company operates in three segments: Applications, Scores, and Tools. The Applications segment provides pre-configured decision management applications designed for a specific type of business problems or process, such as marketing, account origination, customer management, fraud, collections, and insurance claims management, as well as associated professional services. The Scores segment offers business-to-business scoring solutions and services that give clients access to analytics and integrate into their transaction streams and decision-making processes; and myFICO solutions for consumers, as well as associated professional services. The Tools segment provides software tools for clients to create their own custom decision management applications, including FICO Decision Management Platform and the FICO Analytic Cloud, as well as associated professional services. The company markets its products and services through direct sales organization; and through indirect channels, including alliance partners and other resellers, as well as through online. Fair Isaac Corporation was founded in 1956 and is headquartered in San Jose, California.

2,627 Employees
Last Reported Date: 07/28/14
Founded in 1956

fair isaac corp (FICO) Top Compensated Officers

Chief Executive Officer, President and Direct...
Total Annual Compensation: $675.0K
Chief Financial Officer, Chief of Investor Re...
Total Annual Compensation: $400.0K
Chief Technology Officer and Executive Vice P...
Total Annual Compensation: $500.0K
Executive Vice President, General Counsel and...
Total Annual Compensation: $400.0K
Executive Vice President of Scores Business U...
Total Annual Compensation: $400.0K
Compensation as of Fiscal Year 2013.

fair isaac corp (FICO) Key Developments

Fair Isaac Corporation Releases FICO Score Economic Calibration Service 2.0

Fair Isaac Corporation has released FICO Score Economic Calibration Service 2.0. This service forecasts how credit risk levels at each FICO Score range would change under different economic scenarios, and can help financial institutions stress-test their credit portfolios with loss forecasting models while coordinating capital allocation. The FICO Score Economic Calibration Service combines FICO's patented methodology with Moody's Analytics' expanded and regionalized forecasts of economic data under the Federal Reserve's Comprehensive Capital Analysis and Review (CCAR) and Dodd-Frank Act Stress Test (DFAST) scenarios and Corelogic's Home Price Index (HPI). The Economic Calibration Service 2.0 provides a forward-looking estimate of consumer repayment risk across the full range of the FICO Score, based on multiple economic scenarios. By using the service, lenders can understand how repayment risk for consumers would change under varied economic conditions. The newest release of the service captures the most recent consumer credit behavior following the economic downturn by leveraging credit data through April 2014.

FICO Announces its Score 9 Introduces Refined Analysis of Medical Collections

FICO announced that the new FICO(R) Score 9 introduces a more nuanced way to assess consumer collection information, bypassing paid collection agency accounts and offering a sophisticated treatment differentiating medical from non-medical collection agency accounts. This will help ensure that medical collections have a lower impact on the score, commensurate with the credit risk they represent. These enhancements help lenders because they result in greater precision. At the same time, the median FICO Score for consumers whose only major derogatory references are unpaid medical debts is expected to increase by 25 points. FICO has used sophisticated modeling techniques to make the new FICO(R) Score 9 more predictive of a consumer's likelihood to repay a debt than previous versions. This latest version of the FICO(R) Score, the industry-standard measure of U.S. consumer credit risk, captures recent consumer behavior to give lenders better risk assessments across the credit lifecycle and all credit products. It will be available to lenders through the U.S. credit reporting agencies starting this fall. FICO Score 9 also supports the desire of lenders to better assess the risk of consumers with limited credit history -- so-called thin files. In the model development process, FICO data scientists represented a consumer's repayment behavior in degrees of risk. For example, instead of classifying a consumer as someone who paid or didn't pay her bills in absolute terms, the various degrees of the consumer's payment history have been quantified. The end result is a score with an improved ability to assess the risk of thin files. FICO(R) Score 9 assesses consumer credit risk on all credit product lines -- mortgages, auto loans, credit cards and personal loans -- and can be used across the entire customer credit lifecycle, starting with marketing/pre-screen, originations and account management, all the way through early-stage collections. FICO's innovative, multi-faceted modeling approach incorporates a more exhaustive characteristic selection process to build a score that is even more effective across a wide variety of situations. This approach also uses the Multiple Goal Scorecard technology of FICO(R) Model Builder, which balances a traditional risk metric evaluating all accounts with one evaluating originations risk across all product lines, such as mortgages, credit cards or auto loans. FICO(R) Score 9 will also be the most consistent FICO(R) Score across all three credit bureaus. This generation of the FICO Score uses the same development window across the three different credit bureaus to generate scores that will be as consistent as possible.

FICO Releases FICO Score Economic Calibration Service 2.0 to Improve Loss Forecasting and Capital Allocation Decisions

FICO announced the release of FICO Score Economic Calibration Service 2.0. This service forecasts how credit risk levels at each FICO Score range would change under different economic scenarios, and can help financial institutions stress-test their credit portfolios with loss forecasting models while coordinating capital allocation. The FICO Score Economic Calibration Service combines FICO's patented methodology with Moody's Analytics' expanded and regionalized forecasts of economic data under the Federal Reserve's Comprehensive Capital Analysis and Review (CCAR) and Dodd-Frank Act Stress Test (DFAST) scenarios and Corelogic's Home Price Index (HPI). The Economic Calibration Service 2.0 provides a forward-looking estimate of consumer repayment risk across the full range of the FICO Score, based on multiple economic scenarios. By using the service, lenders can understand how repayment risk for consumers would change under varied economic conditions. The newest release of the service captures the most recent consumer credit behavior following the economic downturn by leveraging credit data through April 2014.

 

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Industry Analysis

FICO

Industry Average

Valuation FICO Industry Range
Price/Earnings 23.0x
Price/Sales 2.5x
Price/Book 3.8x
Price/Cash Flow 18.2x
TEV/Sales 1.6x
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