Fair Isaac Corporation (FICO) Q4 2024 Earnings Call Transcript Summary
Fair Isaac Corporation (FICO) Q4 2024 Earnings Call Transcript Summary
Full-year non-GAAP net income was $595 million, approximately 19% higher than last year, with EPS also increasing to $23.74.The following is a summary of the Fair Isaac Corporation (FICO) Q4 2024 Earnings Call Transcript:
以下是fair isaac公司（FICO）2024年第四季度業績會簡報：
Financial Performance:
財務表現:
FICO reported Q4 revenue of $454 million, up 16% year-over-year, and full-year revenue of $1.718 billion, up 13%. Non-GAAP net income for the quarter rose 29% to $163 million.
GAAP net income for the fourth quarter rose 34% to $136 million, with EPS up 36% year-over-year to $5.44.
Full-year non-GAAP net income was $595 million, approximately 19% higher than last year, with EPS also increasing to $23.74.
Record free cash flow was achieved at $219 million for the quarter and $607 million for the year, marking a significant 31% increase.
FICO報告第四季度營業收入爲45400萬美元，同比增長16％，全年營業收入爲17.18億美元，增長13％。季度非通用會計淨利潤增長29％至16300萬美元。
按照通用會計準則，第四季度淨利潤增長34％至13600萬美元，每股收益同比增長36％至5.44美元。
全年非通用會計淨利潤爲59500萬美元，比去年增長約19％，每股收益也提高至23.74美元。
第四季度自由現金流達到21900萬美元，全年爲60700萬美元，標誌着顯著增長31％。
Business Progress:
業務進展:
FICO Scores segment revenues were $249 million for the quarter, up 27% due to a 38% increase in B2B revenues driven by mortgage originations.
Auto originations revenue decreased by 2%, and credit card, personal loan, and other originations were down by 5%.
The Software segment saw $205 million in revenue for the quarter, an increase of 5%, and full-year revenue of $798 million, up 8%.
FICO announced new partnerships with Tata Consulting Services and iSON Xperiences to leverage the FICO platform for industry-specific solutions.
FICO評分業務板塊第四季度營收爲24900萬美元，較去年增長27％，由於按揭原始貸款的增加推動了20億美元營收的增長38％。
汽車貸款收入下降了2％，信用卡、個人貸款和其他貸款分別下降了5％。
軟件板塊季度營業收入爲20500萬美元，增長了5％，全年營業收入爲79800萬美元，增長了8％。
FICO宣佈與塔科諮詢服務和iSON Xperiences建立新合作伙伴關係，以利用FICO平台提供行業特定解決方案。
Opportunities:
機會：
FICO's pricing for mortgage originations for 2025 has been set at $4.95 per score, expected to collect a small average percentage of about 15% of the Tri-Merge bundle cost.
The new product, FICO Score mortgage simulator, aims to provide more loan options and favorable rates, influencing potential growth and enhanced platform utilization.
FICO已將2025年按揭貸款收費定爲每個信用評分需要付費4.95美元，預計將收取三合一捆綁成本的約15％的小比例。
新產品FICO分數按揭模擬器的目標是提供更多貸款選擇和有利利率，影響潛在增長和增強平台利用率。
Risks:
風險：
No explicit risks detected.
沒有發現任何明確風險。
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：如需更全面的詳情，請參閱投資人關係網站。本文僅供投資者參考，不作任何指引或建議。
譯文內容由第三人軟體翻譯。
