Subtext

Fair Isaac Corporation FICO

SectorInformation Technology
Transcripts22
Date range2020-01-30 – 2025-04-29
Calls charted22

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-10-5+0+5+102020 Q12020 Q42021 Q32022 Q22023 Q12023 Q42024 Q32025 Q22020 Q1 · Overall: +5.72020 Q2 · Overall: -4.52020 Q3 · Overall: +2.12020 Q4 · Overall: +3.62021 Q1 · Overall: +0.42021 Q2 · Overall: +4.92021 Q3 · Overall: +4.72021 Q4 · Overall: +0.42022 Q1 · Overall: +9.12022 Q2 · Overall: +4.92022 Q3 · Overall: +3.82022 Q4 · Overall: +4.42023 Q1 · Overall: +3.82023 Q2 · Overall: +4.52023 Q3 · Overall: +6.92023 Q4 · Overall: +5.62024 Q1 · Overall: -8.22024 Q2 · Overall: -3.32024 Q3 · Overall: +2.72024 Q4 · Overall: +3.22025 Q1 · Overall: +2.52025 Q2 · Overall: +0.2
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-22-11+0+11+222020 Q12020 Q42021 Q32022 Q22023 Q12023 Q42024 Q32025 Q22020 Q1 · CEO: +13.42020 Q2 · CEO: -4.22020 Q3 · CEO: +6.62020 Q4 · CEO: +5.22021 Q1 · CEO: +8.72021 Q2 · CEO: +11.32021 Q3 · CEO: +14.62021 Q4 · CEO: +10.72022 Q1 · CEO: +19.52022 Q2 · CEO: +8.42022 Q3 · CEO: +15.72022 Q4 · CEO: +8.82023 Q1 · CEO: +10.72023 Q2 · CEO: +12.92023 Q3 · CEO: +17.52023 Q4 · CEO: +11.82024 Q1 · CEO: -1.52024 Q2 · CEO: -1.32024 Q3 · CEO: +12.32024 Q4 · CEO: +8.52025 Q1 · CEO: +14.52025 Q2 · CEO: +12.12020 Q1 · CFO: +6.92020 Q2 · CFO: -4.02020 Q3 · CFO: +2.12020 Q4 · CFO: +0.72021 Q1 · CFO: +0.02021 Q2 · CFO: +3.82021 Q3 · CFO: +2.12021 Q4 · CFO: -4.62022 Q1 · CFO: +5.52022 Q3 · CFO: +4.52022 Q4 · CFO: +6.22023 Q1 · CFO: +5.52023 Q2 · CFO: +2.12023 Q3 · CFO: +3.32023 Q4 · CFO: +5.62024 Q1 · CFO: -4.02024 Q2 · CFO: +3.42024 Q3 · CFO: +4.92024 Q4 · CFO: +9.82025 Q1 · CFO: +4.72025 Q2 · CFO: +0.0
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-22-11+0+11+222020 Q12020 Q42021 Q32022 Q22023 Q12023 Q42024 Q32025 Q22020 Q1 · Prepared remarks: +7.62020 Q2 · Prepared remarks: -6.72020 Q3 · Prepared remarks: +4.72020 Q4 · Prepared remarks: +7.02021 Q1 · Prepared remarks: +3.82021 Q2 · Prepared remarks: +7.02021 Q3 · Prepared remarks: +7.82021 Q4 · Prepared remarks: +2.92022 Q1 · Prepared remarks: +18.92022 Q2 · Prepared remarks: +7.02022 Q3 · Prepared remarks: +14.72022 Q4 · Prepared remarks: +9.32023 Q1 · Prepared remarks: +13.72023 Q2 · Prepared remarks: +12.62023 Q3 · Prepared remarks: +14.72023 Q4 · Prepared remarks: +6.52024 Q1 · Prepared remarks: +11.82024 Q2 · Prepared remarks: +16.02024 Q3 · Prepared remarks: +13.42024 Q4 · Prepared remarks: +8.62025 Q1 · Prepared remarks: +11.32025 Q2 · Prepared remarks: +8.92020 Q1 · Q&A responses: +12.52020 Q2 · Q&A responses: -1.02020 Q3 · Q&A responses: +3.42020 Q4 · Q&A responses: +0.92021 Q1 · Q&A responses: +4.52021 Q2 · Q&A responses: +7.92021 Q3 · Q&A responses: +9.92021 Q4 · Q&A responses: -1.62022 Q1 · Q&A responses: +4.62022 Q2 · Q&A responses: +7.82022 Q3 · Q&A responses: -3.42022 Q4 · Q&A responses: +4.32023 Q1 · Q&A responses: +2.52023 Q2 · Q&A responses: +2.02023 Q3 · Q&A responses: +7.12023 Q4 · Q&A responses: +11.52024 Q1 · Q&A responses: -4.42024 Q2 · Q&A responses: -1.52024 Q3 · Q&A responses: +2.12024 Q4 · Q&A responses: +5.42025 Q1 · Q&A responses: +7.12025 Q2 · Q&A responses: +4.8
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$6.83$20.17$33.522020 Q12020 Q42021 Q32022 Q22023 Q12023 Q42024 Q32025 Q22020 Q1: $9.122020 Q2: $8.672020 Q3: $9.752020 Q4: $10.972021 Q1: $12.022021 Q2: $12.742021 Q3: $13.712021 Q4: $14.822022 Q1: $16.342022 Q2: $17.632022 Q3: $18.692022 Q4: $20.442023 Q1: $21.222023 Q2: $22.472023 Q3: $23.992023 Q4: $24.902024 Q1: $26.362024 Q2: $27.642024 Q3: $29.282024 Q4: $31.68

Forward P/E

19.0543.6768.302020 Q12020 Q42021 Q32022 Q22023 Q12023 Q42024 Q32025 Q22020 Q1: 23.262020 Q2: 48.722020 Q3: 44.232020 Q4: 47.612021 Q1: 40.232021 Q2: 38.742021 Q3: 32.132021 Q4: 28.002022 Q1: 29.592022 Q2: 22.452022 Q3: 24.832022 Q4: 29.682023 Q1: 31.492023 Q2: 35.392023 Q3: 37.412023 Q4: 46.862024 Q1: 47.262024 Q2: 51.442024 Q3: 64.902024 Q4: 64.75

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2021 Q1 tone ↓ -3.2 fwd EPS ↑ +1.05 Tone cooled even as the forward EPS estimate rose.
  • 2021 Q4 tone ↓ -4.3 fwd EPS ↑ +1.11 Tone cooled even as the forward EPS estimate rose.
  • 2022 Q2 tone ↓ -4.2 fwd EPS ↑ +1.28 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q1 tone ↓ -13.7 fwd EPS ↑ +1.46 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q22025-04-29+0.2——View →
2025 Q12025-02-04+2.5——View →
2024 Q42024-11-06+3.2$31.6864.8View →
2024 Q32024-07-31+2.7$29.2864.9View →
2024 Q22024-04-25-3.3$27.6451.4View →
2024 Q12024-01-25-8.2$26.3647.3View →
2023 Q42023-11-08+5.6$24.9046.9View →
2023 Q32023-08-02+6.9$23.9937.4View →