Last $73.03 USD
Change Today +0.18 / 0.25%
Volume 73.7K
FICO On Other Exchanges
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Company Description

Contact Info

181 Metro Drive

San Jose, CA 95110

United States

Phone: 408-535-1500

Fax: 408-535-1776

Fair Isaac Corporation provides analytic, software, and data management products and services that enable businesses to automate, improve, and connect decisions. The company provides a range of analytical solutions, credit scoring, and credit account management products and services to banks, credit reporting agencies, credit card processing agencies, insurers, retailers, healthcare organizations, and public agencies. The company’s predictive analytics, such as the FICO Score, and its decision management systems leverage the use of Big Data and mathematical algorithms to predict consumer behavior and power various customer decisions each year. It serves consumers through online services that enable people to purchase and understand their FICO Scores. Segments The company operates through three segments: Applications, Scores, and Tools. Applications segment This segment includes pre-configured decision management applications designed for a specific type of business problem or process, such as marketing, account origination, customer management, fraud, collections, and insurance claims management, as well as associated professional services. These applications are available to the company’s customers as on-premises software, and majority are available as hosted, software-as-a-service (SaaS) applications through the FICO Analytic Cloud. The company develops industry-tailored decision management applications, categorized as applications, which apply analytics, data management, and decision management software to specific business requirements and processes. These include credit offer prescreening, insurance claims management, and others. The company’s applications primarily serve clients in the banking, insurance, healthcare, retail, and public sectors. During the year ended September 30, 2014, the company introduced a suite of applications for the FICO Analytic Cloud, expanding its product offerings to accommodate small-to-midsize businesses that benefit from the cloud-based solutions. Marketing Applications The chief offerings for marketing are the company’s FICO Analytic Offer Manager and FICO Customer Dialogue Manager. These solutions offer a suite of products, capabilities, and services designed to integrate the technology and analytic services needed to perform context-sensitive customer acquisition, cross-selling, and retention programs; and deliver mathematically optimized offers. The company’s marketing solutions enable companies that offer multiple products and use multiple channels (companies, such as financial institutions, consumer branded goods companies, pharmaceutical companies, retail merchants, and hospitality companies) to execute customer interactions. Services offered in the company’s marketing solutions include customer data integration services; services that enable real-time marketing through direct consumer interaction channels; campaign management and optimization services; interactive tools that automate the design, execution, and collection of customer response data across multiple channels; and customer data collection, management, and profiling services. Originations Applications The company provides solutions that enable banks, credit unions, finance companies, installment lenders, and other companies to automate and improve processing requests for credit or service. The new version of the company’s origination application, FICO Origination Manager, is an application-to-decision processing solution built on a service-oriented architecture (SOA), modularized approach, and is available in the cloud. The company’s other solutions include the Web-based FICO LiquidCredit service, which is primarily focused on credit decisions and is offered primarily to mid-tier banking institutions. The company also offers custom and consortium-based credit risk and application fraud models. Customer Management Applications The company’s customer strategy management products and services enable businesses to automate and improve risk-based decisions on their existing customers. These solutions help businesses apply advanced analytics in account and customer decisions. Th

 

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Industry Analysis

FICO

Industry Average

Valuation FICO Industry Range
Price/Earnings 26.8x
Price/Sales 3.0x
Price/Book 5.1x
Price/Cash Flow 22.0x
TEV/Sales 2.1x
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