Earnings call transcript Q3 2023

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Operator

Greetings, and welcome to the Fair Isaac Corporation Quarterly Earnings Call. [Operator Instructions].

As a reminder, this conference is being recorded, Wednesday, August 2, 2023.

I'd now like to turn the conference over to Steve Weber. Please go ahead.

Steven Weber

you FICO's thank call. quarter and afternoon, for third joining earnings Good Steve I'm Will and FICO's today I'm CFO, CEO, joined Weber, by our Lansing.

compared to discuss business. results a describes comparison of to On issued our release quarter in of call, to in the prior results rate order this also we year. understanding the will Today, management the prior facilitate press financial that run

be XXXX. characterized Litigation Certain statements as under presentation statements made that Securities of in the results materially. uncertainties Reform many may Act actual to Those the involve Private cause forward-looking could differ

Information the of the Relations or from SEC, Factors the concerning from filings. is team. these the Forward-Looking FICO website and uncertainties available contained from such company's filings Risk SEC, Investor in particular, in our Copies with portions Statements are in the

webcast these call company's issued This to for of refer certain also G regarding measure. the schedule Regulation August and G at page fico.com be schedule of Relations statements financial on will Investor measures. reconciliation today website the non-GAAP company's Please of the financial through of most comparable on include non-GAAP earnings earnings Regulation replay this A the available a measures SEC's or GAAP and to The sec.gov. X, are website release XXXX. the each available release will at

Lansing. And call with the that, turn to Will over I'll

William Lansing

everyone, thank joining for quarter us you, and for Thanks, call. Steve, our third earnings

quarter's full profitability for our report year. posted delivered and website, and and business. of I section we guidance On offer with to our Relations fiscal third increased the about I'll that talk our quarter throughout record another for we the quarter. this Today, financial Investor slides results am strength pleased exceptional revenue highlights our

$XXX X an of prior growth delivered representing growing year. As see revenues last basis, of $XXX and XX% on GAAP over $XXX XX%. over of reported earnings Page GAAP $X.XX, and million, record year. and income On XX% income was with XX% $X.XX the We increase XX%, the period million net million, year-over-year of non-GAAP net the of respectively, same you of we presentation, per earnings share, of a share can per

We continue results $XXX quarter Scores year. XX% record in million, versus up was business. deliver revenue a strong the the the throughout prior to

can you versus of As were the up BXB origination revenues. quarter Mortgage and On by X%. Page last revenues originations Credit were XX%, see to were driven BXC, period last difficult were presentation, revenues year. was on That personal up year. up last and X XXX% up down card, the increased loan revenues XX% origination versus X%. revenues with originations Auto other same were flat revenues comps. due primarily

continue drive smarter AI analytics our decisions scale. growth enable In power Software at to we to Platform, with the and of provides which business, FICO business

on Page of overall of platform can XX%. of for delivered of quarter milestone ARR excess You X, straight we This us, and XX%. ARR ARR our XXth see growth represents in significant XX%, growth platform a growth

use new retention strong increase find We rates continue continue as customers volumes cases. drive to net our and to

of XXX% Overall expanded to shown XXX% grew cases increased NRR off-platform as many by NRR use in Page XXX%, driven our was due Platform was as to the Legacy NRR X. land-and-expand customers. on of success strategy. volumes our

to And demand our see we software. continue for strong

with growth, last we same over X, Page on see year. can had ACV the quarter XX% bookings you period up another As of double-digit

see for seeing a opportunities strong to Platform. demand and FICO continue We of are pipeline strong

shared countries about recent Platform FICO practices, customers the at We Conference. had customer journeys for design, best is advanced digital We X-day can build every first-hand how transformation. of critical AI-powered XX touch where for more every nature our and FICO the a approaches talked World new analytic This about attracted across latest hyper-personalized learned and point Platform in of event, and and innovations interaction. AI and FICO confirmation with they it learned than deliver

now their the said, working help knew "FICO customer had to Personally, you decisions. opportunity And optimize we're simply the enjoyed business. communications "We intelligence. fail the One another but technological I'm our difficult proud from and transform forever." decision-making of our and to do by customer our blown scope I or Platform most "I from doesn't meet yet excellence way customers That's capabilities." platform team away them the supports the transform Another customers FICO our and more either customer told software, a perspective, potential to sell I'm valuable." together us, now of their this hear said, we to sell that business how

a words to Club, empower knowledge few the Chelsea informed to our to working we're and I'd like lifetime. communities financial where adults about Football that last across with students, with partnership a decisions say make Finally, literacy and U.S. tools credit together

with U.S. partnership the hosting are workshops We in fundamental

credit empower with to jump-start essential Soccer generation journeys. knowledge younger credit Foundation the the to their

correlates more the with we in the this aren't better equal. lack education teams is in financial on their confident U.S. in literacy always We're playing X know XX% literacy Financial financial basic that young working of education, knowledge. One teenagers to gap people outcomes financial tackling not but game. in field get skills. Around

to Chelsea The held the this bring of day. from with to local partners have summer, opportunity X teenagers game the attend their workshops Chelsea or fundamentals, game to students place taking on cities communities underserved will traditionally playing that an near each we're these football city. is that in In working are

their FICO foster We financial consumers much events, Future will hosting with knowledge the local public to Score residents community insight the about and Better Credit is and to Scores. processes allowed committed gain understanding to better helping wider FICO tools that equitable to their institution. we're to of For in provide health FICO have these free cities, and into credit, and Scores Education know which broader access more are also educate a

in back to details. increase call the further me final for I'll first, including Steve comments, a guidance, let some minutes. have turn in But our an few

Steven Weber

Thank you.

an third Will strong we the $XXX in delivered quarter were our As another the both revenues over Software said, quarter million, increase prior segments. and of Scores XX% for very Total In by same prior Scores our period the million, Scores originations were over BXB the increased driven revenues up year, $XXX last year. were revenues XX% revenues. segment, XX% year. up from

We drove and increases and credit card originations. revenue other in mortgage, personal auto loan

to and up This BXB quarter, the last throughout personal relatively revenues over from auto XXX% same been originations origination revenues Scores up up have down X% year; and due comps. other card, revenues BXC revenues last from XX% the flat mortgage quarter period credit originations X%; year, year. 'XX. were loan same were were revenues last difficult FY were again,

in the Software segment million, the year. revenues last $XXX up third XX% period quarter versus were same

or represented total Software Software million at upfront revenues quarter XX% XX% a Software revenues. recognized time over this or revenues. point in time of recognized million were and of License were $XXX $XX

million, revenues services representing total professional Software revenues. $XX were Our also of XX%

In X% total our from the revenues region, X%, were Asia EMEA our generated third Pacific. XX% quarter, of and from region were derived Americas

software third prior ARR $XXX the year. quarter over million, period in increase Our fiscal a the of was XX% the XXXX

from year. third represented quarter XX% $XXX was Our platform XX% up compared last ARR XX% of ARR with total last and our year million,

been XX%. the nonplatform third up made. also in adjusted and the Our all ARR reminder, $XXX very grew we've of as for million a And numbers quarter, well our divestitures was have ARR

in XXX% retention year. overall rate net Our last quarter the was versus XXX% dollar-based

to platform net the to use in show and of We The NRR due XXX% from customers expansion follow-on was continue strong new quarter. third usage. very from platform DB cases sales increased our for

this increased due The also usage quarter and software customer nonplatform Our increases. CPI increased was volumes NRR XXX%. to nonplatform

And a with software include sales value software an the contract of XX%. only ACV bookings bookings versus quarter and in $XX ACV of good annual prior another year, million or value $XX had reminder, of million services. exclude of We professional annual sales the increase as

in Total versus operating million third in prior and the quarter million in $XXX million QX. $XXX were the year this quarter expenses $XXX

Third previous previously quarter included onetime FICO data in expenses third-party incurred the were a quarter. and World reimbursement event in May costs our implementation that of

point for year. over shown this net a Regulation $XXX schedule, non-GAAP improvement operating as tax previous XX% the Our margin, quarter was year, from GAAP XX% up our XXX in the million, basis G a was of income with was R&D to the associated quarter year $X.XX prior and million income $X.X of prior valuation credits. year. tax EPS from our XX% the GAAP included of up expense the noncash reduction

for up versus Our quarter, year. was XX% was million $XXX EPS the prior up same quarter year. last non-GAAP And XX% from $X.XX, net income the the non-GAAP the

valuation the The and effective of the included adjustment tax was earlier. I the to credit R&D mentioned rate for the quarter XX%

the We QX recurring is or cash expect flow That benefit XX%. approximately million. expected quarter any recurring tax XX% $XXX to to excess other Free for rate rate tax tax was discrete items. before be our

million. $XXX was free For the flow XX trailing months, cash

At we in the investments. and marketable end of the $XXX million had quarter, cash

XX% billion, the is Our quarter a our interest of with weighted Currently, $X.XX total average debt about total rate fixed of rate. at debt was end X.X%.

Our any to rate prepayable to debt rate cash us outstanding floating the is flow flexibility future reduce periods. giving free balances time, debt use in at floating

$XXX current of share. view at $XXX million of the XXX,XXX an back cash. had share on per Board price the We capital. the return an to to use as attractive remaining we average bought in Turning of continue and quarter shares we quarter, authorization, third At of end repurchases the

'XX increase the rest I'll full in Will an thoughts back guidance. it on And our with to that, year turn his FY for of and

William Lansing

Thanks, Steve.

extremely am our the our I both pleased the year, advancing XXXX in of initiatives. segments fiscal our progress of with I'm strategic finish we made And bullish on As we've business.

come. Software business Platform, analytics business, industry innovation customers continues to interactions. Our to we're enabling to to dedicated technology growth, through years face AI consumer to latest our and the use deliver strong And FICO to their optimize and challenges the is in Scores

as our we fiscal year the raising again quarter full we're our today, year. of guidance final Finally, enter

our billion. raising guidance revenue year are We to $X.X full

is are income expected income income per non-GAAP expected expected net EPS earnings GAAP We share $XXX be now is Non-GAAP to is increasing be $XX.XX. $XXX $XX.XX. our is net be GAAP now to Non-GAAP million. guidance. now million. also to and GAAP to net expected be

back Steve, some now the turn I'll call And we'll take to and Q&A.

Steven Weber

are does remarks, questions. we and This Operator, please take Thanks, Will. prepared the to open conclude your now ready lines. our

Operator

[Operator Instructions].

Your comes Patnaik line Manav with from the of question first Barclays.

Manav Patnaik

but I I help didn't the of it how thought beat. it, you guidance about guess, was through like it -- was obviously, seem my us looked you like just first would if the the walk It changes. I raised extent full you hoping, for mean, question,

and variability quarter-to-quarter, what suppose. last So just for you're assuming the the curious quarter I

Steven Weber

Yes.

where the conservative week we quarter And in feel You to Manav, last the pretty situation to we're the know of guide. we -- want a to way deals like we number. close of a how don't how in be with have hit we we

better get to next we're pushing deal can a we that. into year, willing do if So obviously

this. of any pretty typically quarter-to-quarter. we're limit We So and out we don't go don't conservative, guide and

As you know, and the we typically year, in will the update of middle year. we guide full

it's So much guidance to go, a thought big quarter for we with had to. X pretty us raise deal but we to

want. you But pretty where take it we mean, So I we how conservative can with you guide. are

Manav Patnaik

enough. And then Fair Okay. the... . obviously

Steven Weber

Manav. And one I will just more say thing,

Manav Patnaik

Sure.

Steven Weber

of -- fourth Manav, some have say may revenue that probably a in or we have did quarter. fair quarter I may will the that we amount license this not onetime

So don't count to we want on that.

Manav Patnaik

Yes. Fair enough.

the business, just for mortgage the and on pricing there? tell auto in us strategy pricing are origination you mean card, of And Scores terms your Okay. can like other numbers stuff, But speak where the efforts the we just I on there. then

Steven Weber

some So probably CPI. had all pricing year, this I increases with mean, in more they line

decreases down. still flat that this was bit. a little is bit. mortgage seeing card's a We're down actually volumes, same actually the little bureaus down And of Auto relatively quarter are originations the The are terms year-over-year. reporting. In

more of volumes. we into -- what go back things the a lot don't see same into we that see kind terms detail of you bureaus now, can So in the but

Operator

And line from Alwy your Faiza next Deutsche of Bank. question comes the with

Faiza Alwy

Software I to follow the side up business. the So on wanted first of

onetime you of XQ. I licensing drivers some but that? the more that? missed And around And on maybe for drove were what I But revenue. talk about said that, you're what to mentioned You counting us that know like not

Steven Weber

We fairly had renewal. X had We large some renewals.

it revenue, trending. been That's was bit we If million have a this you quarter. more than look $XX point-in-time at our little

that variability a quarter-to-quarter. from that's not it's have So sizable, number that but can some

I was that. think So $XX a it million quarter before

they specific happen have when want don't happen put be a in to So we position where have things to and in we quarters. them those happen,

XX%. our with of cautious guide. used our that's business be where of we're it's So It to percent now much anymore. we XX-plus not And business,

So actually, it's less than XX%.

So business, still it's at of meaningful when you're looking the a small part number X a it's but quarter.

Faiza Alwy

Okay.

question next my the so is And business. around generally Scores

time know next I year, So to year. ahead quarter with where pricing of we're only for the X getting and you start looking you're to about left, sort next talking

thinking supposed that a in space, So There's happen obviously changes curious particular. the are lot of mortgage to in how you're about that.

talk pricing. initial around any So might have to thoughts about us you

William Lansing

us the pricing. will It anticipate the continued where warrants terms demands you we that really we think for anticipate a that early think that. price, structure is providing I thinking about talk it. little the But to pricing, be market bit We're and that we're through. And increases can still there it, don't structure changes of to value where market significant of our the the of in in

Steven Weber

Yes. I pushed lines time already. think those kind a been I mean, lot of of have

So that, the other it's what's happen to at difficult hand, on information but when. based we -- than the make to have decisions we know going it's

William Lansing

happen And changes mind it's slowly, anticipate kind market keep and thing that the to a of with to important kind ability will how behave. think the in incrementally any and is big of is important market. this I the very

can that you as to so all goes. be as good expect players And far us

Operator

comes the with Your line Surinder of next Jefferies. question Thind from

Surinder Thind

eventually question new And customers FICO do how first a translate and 'XX. signed is those The conversations conversations how of then related contracts revenues? into around The you? there, that, you that to with just for clients source quickly World big is have that

William Lansing

with a quite So business great tremendous for a with the and new of And Surinder. existing It's which large customers is question. Thanks, speed us actually with into it's customers. translates continuum. it business source

things But just have go pipeline close we over deals that there's the other the obviously signed get the appropriate. try where we on I World. at pipeline the then that then FICO and into to spot, We year. subsequent work business mean,

getting Our shorter. been has pipeline

talk downward, Our below pipeline it's and time trend what opportunity We're an FICO lines good on how a expect it's implementation to used get can kind our have for down for to experience feedback days. and continuing thing they who've is that who customers customers so of of to The real-world really be shared over kind XXX other problems, worked World on. the with which from customers a returns done well to sign. them what and really our software, implemented and for today it's and to shared is and

successful, telling customers reference because out when acting told. it's And well, to in platform, of our story the stories it's more and a credible so selling our so particular, customers be way working good of And is just are the lot we're there's wares. as obviously than

another. We're is World And a event the so frankly, able important customers us to they in to selling. be for put very FICO facilitate. to touch And there with do one

Surinder Thind

period? should lines at conversations That's a helpful. clients new the time Are you're mortgage customers about of the transition FHFA understand there at time time the Any And in point switching scores. the realistic? with being color over already to things then or this to just in point? whether that terms engaged just having How this the think for question are about we line

William Lansing

that of likely worked additional that time And time worked the the on. detail out wasn't extended. there's out lot going review to obviously it's that that There's the be be a at think announcement. completely I needs lines will of

signs I and so And time all to drawn point more more a think out line. thoughtful

Operator

Your comes line from Kyle with question of Needham. next Peterson the

Kyle Peterson

here, Just I particularly you side wanted upside, year-to-date at have of I guess. of and raise Scores have expected. little where trending of little kind above on the you guys been today? than lot notably of bit it things part have of so better least, maybe the to kind guess a at kind the anywhere strong tracking there been kind on guidance is in of that the I business, seeing raise a kind But been where touch of Where least, has since to price. guide, of been and you what seems guys mean guys far, allowed mortgage is a is like

Steven Weber

banked mean I X raise we've more think I has just just allows already risk, of there's us and is right? to numbers. less worth what quarters' by, time gone

the rate of multiple a through questions, we've the the crisis. Silicon So point entering bank gone gone increases. midway Valley year, even there's through of at lot We've year, the and

you this uncertainty. quarters a to been have There's if year, we less And uncertainty of -- now point. X the the there's of at lot start go of back

So us numbers obviously, see. generated good another we'll and just still go, raising But more we've confidence we guide. got gives the to That to really quarter date. in

Kyle Peterson

kind -- impressed Great. That's platform of helpful. And seems little in related seeing early, XX-plus to you lot other of guys be banks a the ARR, might of customer is year-on-year kind then just your that bit with international like traction it a verticals. I'm widening? follow-up, It Are really, really got you another kind net on expanding a but some growth. seems like quarter of of or percent see. guys

to But I some numbers we the and rates, the kicks guess, about of these makes a your kind of how ability really large comps as growth little think pipeline and should harder? the robust maintain in of specifically law

William Lansing

uses customers. the customers growth and we and to to they learn installed, as see their of our coming what talk increasing implemented, offer find they time. about And we The more enterprise as and once then up additional is increasing customers use over most existing and it's platform to from new -- volume competitors cases offer. both have on what's continue as in add wind customers we And once and

time, there'll expand land adding of we're be and it. fullness early equal So time, seeing of of sides that the new than emphasis we're parts, would the for both piece more customers. kind lots on still I Over the it's now, days, of But we're in expect still piece.

story. mean, so, I And it's good a

growth in with the that platform high signs large. XXth will -- our sky, the of very seeming for market, to growth say very and no and potential pleased the I'm we the tremendous. forever. that We are our have always a anticipate grow we very XX%-plus And certainly, I that cases, here uptake is use said abatement. But very, don't rates trees It's potential quarter, don't

so about numbers And -- worried don't I large we law think of have not we're to yet. that

Operator

line Tong Your of with George next question from comes the Sachs. Goldman

George Tong

now when full volume at are in an Can pricing raised credit what your Scores receptivity actions year. under guide? you overall customer this to provide the You months you beginning on prices from the XQ have fiscal several And of for your year update year? assumptions belt reflected in

William Lansing

me let Customer reaction, take one that first.

think what recognize that Scores of time, value tremendous find same a and they're that At likes and they lots customer customers in going do no I the up. our value. the prices

as can imagine, prices, when so And discussions and raised we on. we you go about hear it,

I think that themselves. for the And numbers speak

very happy the I does and them. gone are with kind how offering, for customers expect don't how product Our it That's the what it's with that That's change. years, of it with many to and for goes.

We assumptions next our we share don't quarter. -- won't for

George, I is honestly, to what I then this numbers think think haircut that I've we're and all before. about a we guide. roll with talked do The and forecast -- and way willing do up we our this of

it's we number total come up the with. So of a as percentage

and there's of lot a So -- into things that go that.

[indiscernible] quarter. that again, to exceed. we it's have the sure like guide set X we'll running the a But next So we're conservative we for expectations make right? with So mining don't simulation, of way

George Tong

relatively more adoption Can solutions, Got strong fueling this that reflects much in cases, your it. bit tough environment? And little platform of How you at usage in the a then increase acceleration, other this ARR or growth side, factors? particularly the about what's bank in That's quarter. increase macro helpful. XX% growth use was of software large growth on talk very

William Lansing

added customers, also customers. It's deals had We new big some both. existing then really we with and

Steven Weber

we had volumes in numbers side. And so side volume. too, good on Falcon CCS side some good, right, the the good some look numbers the side, We on the ARR Obviously, had on those Fraud and nonplatform nonplatform the as well. strong

just We just strength much customers some on go continued the that's revenue, big customers And platform throughout new -- -- side, it's essentially. So had quarter, expansion. pretty the portfolio. the live and it's this it's

Operator

of with question Meuler Baird. from comes next Your the line Jeff

Jeffrey Meuler

there decent this And saw if or there. quarter? could up growth in the pick potential large me that you was license just renewal has you some Let the just in like nonplatform nonplatform. thought some address step-up if platform then Is maybe business the

Steven Weber

some I had Yes. that's long to where I nice I going more don't we -- significant see coming we here. well. some be the mean, us. activity it's of perform for I mean, pent-up those is out to growth think hard term the numbers think say. volumes driver fairly pandemic, probably off-platform to there's But a

Jeffrey Meuler

And deal? license the

Steven Weber

-- not a was -- on The the was That business was of legacy was license the a deal. so renewal deal that license a platform. legacy deal. That

William Lansing

it of and our long we'd software kind It's probably winds installed is worth legacy X just a Xx. renewed very, be having up very And it and Xx, -- Xx, noting every we could renewed see that life. things years,

and legacy I interest so we side, customer the supporting usually long and And our a that book for on time be current for very we decade. that and a come, business seeing in expect would those of software to in to expect -- continued renewals, expect

And we it mean, software of other it to better and And does they be the should it, really I is it. flavor not. software, pejorative in what our our love any And it market. does than I just abandoned which industry-leading. has to mean legacy clear, know it, software legacy customers the a kind haven't

money continue we And there. on spend innovation to

continue spend be. good R&D, sure that make as functionality the to We to possibly can is money, it as

to And Steve not a as it but I source growth, a said, solid as either. look it's don't business. of mean it's we very so shrinking

Steven Weber

And thing to more that. one to just add

of So a term deal was renewal deal. a the license

included not the ARR. So that's in

volume. CCS -- So Fraud, maintenance essentially, the by other driven ARR was volumes, on Falcon and and

our license -- that of deals deals that. are term outside license the So

Jeffrey Meuler

it's numbers you just they the talk Got high can 'XX and themselves, the 'XX if said, to pricing, that pricing. talk get I for then maybe Like loudly. historically experience. it. about but speak early speak And 'XX, you

some could you going resonated? that under did be what it learn how the your you level after And from potential pricing forward there time normal on the seeing have just the 'XX is the belt experience? new So

William Lansing

Well, have that I and to how continued I bit we from contribution -- think you in a we'll and think that from say, can see -- higher contribution have to we'll both But unfold. little growth early anticipate price next it's from in Scores things expect volumes year.

Jeffrey Meuler

AR, was could it's if of just any you'd like change And natural terms there Okay. collections? any just kind sort or you new you variability address of expect last, step-up when just the and system payment implemented, in then if and in

Steven Weber

What really a we to It is part, is bit and of goes your takes in, up. comes Yes. you're And a you -- really lag. not. it payments that AR to jumps down it right? to, When for Scores. while quickly, it new have get the the the come little a revenue, for most accrue up going So

quarter asked cash that free flow. quarter think And we from flowing more because were through So through is cash today. last the the to free last now see about we're even I starting AR flow about flow, of the

such So it that a it there's while does flush uptick to through. for significant a it for take -- to that because while a takes

Operator

gentlemen, line with Rajiv from your will come the Bhatia last And of Morningstar. question

Rajiv Bhatia

do about of that And business, $XXX elasticities business all, how the you secondly, annual for kind subscriptions think business. myFICO reports? about of pricing how the versus pricing onetime guess, a and consumer on of Just you've which talked then consumer monthly first I is business? million myFICO much being

Steven Weber

products, It involved package. you're little like it's what any the in consumer. other It's subscription. I monthly And included when subscription on depends mean them bit the like -- selling it and subscriber. of a what's is product bulk

have points we a that, lot do really that packaging and they works on testing. and do of team So different consumer a different price good at

that's price a and it's consumers different then never understanding automatically then different rate. It points. X the really So for looking bundling it's it's X certain are with product products is what about and that at never price the services static, and raised at -- and consumers testing

Rajiv Bhatia

how historically, pricing you in taken And business? that much have

Steven Weber

different it end it that we price what up different we -- came and is Yes, we really points. looked bundling with way products do in at at because

prices. sold to more services So -- you or that. It's static different -- add functionality add or functionality it's with products tiers it's rarely charge a not more product that's about or increased it you at for more then and more usually

William Lansing

wants relatively score. that consumer score from easy their what's it's think of interested in consumers subscribe I the in they lot it. pay are a to is And get come eye that, it to we -- get can about and it regular And one. interesting I almost FICO an monthly have and and they get a who today to spite bank free I business monitoring your of any FICO keep managing a basis. mean, on money mean, on

and many myFICO been And it very business with obviously, years. for good has case providing health, the And their focused many, hasn't who them. the on a the is now these financial Open now Access, strong. hurt people are for this are years business. most and it's service for myFICO been We've scores free

Operator

no questions. it are turn closing for there remarks. I'll further And much. yourselves Thank you to very back

Steven Weber

and for This to joining very today. does you call, everyone, Thank again Thanks. speaking you with we Great. much, look our forward soon. conclude

Operator

for call line. thank We your your disconnect And for today. and conference ask that participation that the please you conclude you does

Fair Isaac (FICO) 2 Aug 232023 Q3 Earnings call transcript