Fair Isaac Corporation (FICO) 2017年年度报告「NYSE」.pdf

1、FAIRISAACCORPORATION2017 ANNUALREPORTFY2017 CEO LetterShareholders:Fiscal 2017 was another strong year for FICO.Our revenues were a record-setting$932 million,up 6%over fiscal 2016,our net income was$128 million(up 17%),and EPS was$3.98(up 17%).Ourrevenue and earnings growth are especially impressiv

2、e given our movement to a cloud-first strategywhich results in less up-front revenue.Once again,we saw strong growth in both our Scores andSoftware businesses.ScoresThe FICOScore brand is stronger than it has ever been.American consumers continue to recognizethe FICO Score name,and an increasing num

3、ber recognize it as the score lenders use.The continuedstrong performance of our Scores business is the best evidence of the tremendous value the FICOScore brings to billions of lending decisions each year.A crucial part of our Scores work is addressing global issues around financial inclusion.Gover

4、nmentsworldwide are focused on bringing more than 3 billion adults into the credit mainstream.Credit scoringis a very cost-effective way to do this,and we are applying new analytic techniques and new datasources to make this happen,not only in emerging countries but in the worlds biggest credit mark

5、et,the United States.Our new FICOScore XD analyzes alternative data to score 26 million Americanswho were previously unscorable.As the independent and trusted leader of the credit scoring industry,we have a responsibility to ensurethat the system works well for consumers,lenders and the economy.This

6、 year,you will see us talkingabout the need to expand credit responsibly.While helping people get credit,we need to protect thesoundness of lending decisions.Im proud of the leadership stance FICO is taking.SoftwareSeveral years ago,we made the important decision to move our software solutions to th