Slide 1: © 2022 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only
© 2022 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent. © 2022 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be repro
Slide 2: Forward-looking statements
Some of the statements made by us during this meeting, including statements concerning our expectations about future operations and financial results, are forward-looking statements within the meaning of the “Safe Harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forw
Slide 3: FY2023 vs FY2024 results
FY2023 FY2024 FY 2023 FY 2024 FY 2023 FY 2024 ~ © 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent.
Slide 4: Customer Domains and FICO Platform
Customer Domains Customer Fraud Protection Decision Development & Compliance Management Credit Risk Scoring Acquisition, Origination Payments Fraud, Cybersecurity Analytics, Decisions & Growth & Compliance & Optimization Analytics-driven customer Leading payment card fraud Comprehensive platform for
Slide 5: The standard measure of consumer credit risk
The standard measure of consumer credit risk FICO® Scores have been made FICO® Scores have been recognized 90% of top US lenders and credit available in over 40 countries across as the standard measure of consumer unions use FICO® Scores. five continents credit risk in the US since 1989 Since 2015,
Slide 6: © 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only
© 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent.
Slide 7: © 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only
© 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent.
Slide 8: Robust cash flow profile and conservative financial policy
• Consistent and increasing cash flow generation • Deeply embedded software and technology solutions with significant Robust Cash Flow Profile & Balance Sheet innovations that deliver profitable, growing, recurring revenue • Strong liquidity profile with consistent cash generation, supplemented by a
Slide 9: ARR by Platform and Non-Platform
December 31, March 31, June 30, September 30, December 31, March 31, June 30, September 30, 2022 2023 2023 2023 2023 2024 2024 2024 (In millions) ARR Platform $ 132.8 $ 152.5 $ 164.1 $ 173.2 $ 190.3 $ 201.4 $ 215.1 $ 227.0 Non-Platform 450.1 461.0 481.8 496.2 497.4 495.6 494.5 494.2 Total $ 582.9 $
Slide 10: Dollar-Based Net Retention Rate and ACV Bookings
December 31, March 31, June 30, September 30, December 31, March 31, June 30, September 30, 2022 2023 2023 2023 2023 2024 2024 2024 DBNRR Platform 130% 146% 142% 145% 136% 126% 124% 123% Non-Platform 103% 105% 109% 111% 108% 106% 101% 99% Total 110% 114% 117% 120% 114% 112% 108% 106% Dollar-Based Ne
Slide 11: Adj. EBITDA and Free Cash Flow
Adj. EBITDA Free Cash Flow $250 $200 $150 $236.7 $236.8 $242.2 $219.4 $100 $201.0 $205.7 $163.0 $188.5 $120.8 $50 $61.6 $0 Q4-23 Q1-24 Q2-24 Q3-24 Q4-24 © 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair I
Slide 12: Balance sheet and covenant metrics
(In millions) Q4-23 Q3-24 Q4-24 YoY Var QoQ Var ASSETS Cash & Investments $ 169.8 $ 198.8 $ 196.0 15% -1% Accounts Receivable & Other Current Assets 419.7 475.1 466.7 11% -2% Goodwill & Intangibles, net 774.2 776.8 782.8 1% 1% Other 211.6 258.1 272.4 29% 6% Total Assets $ 1,575.3 $ 1,708.8 $ 1,717.9
Slide 13: © 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only
© 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac Corporation’s express consent.
Slide 14: Fiscal 2024 revenue and earnings
Revenues – $1.98 billion GAAP Net Income – $624 million GAAP Earnings per Share – $25.05 Non-GAAP Net Income – $712 million Non-GAAP Earnings per Share – $28.58 © 2024 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared withou