Fair Isaac
Fair Isaac Corporation (FICO) is a global analytics software leader specializing in predictive modeling and decision management. The company provides data-driven solutions that operationalize analytics to help businesses automate decisions, manage risk, and optimize customer engagement. Its core value proposition centers on the FICO Score, the standard measure of consumer credit risk in the United States, and a modular cloud platform for enterprise-wide digital decisioning.
Financials
Based on Q1 2026 · FQ2 FY2026 filing
Revenue
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Scores
primaryThis segment provides B2B predictive credit scores and B2C solutions that allow consumers to access and manage their credit health. It features the industry-standard FICO Score used by lenders to assess credit risk.
FICO Score, FICO Score 9, FICO Score 10, FICO Score 10 T, FICO Resilience Index, FICO Score XD, UltraFICO Score, myFICO.com, FICO Score Open Access Program
Banks, Credit card issuers, Mortgage lenders, Auto loan originators, Consumer reporting agencies, Individual consumers
Software
majorThis segment offers pre-configured analytic solutions and a modular decision management platform designed to automate business processes like fraud detection and account origination. Solutions are delivered via SaaS or on-premises deployment.
FICO Platform, FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, FICO Decision Optimizer, FICO Falcon Intelligence Network, FICO Originations Solution, FICO Customer Communication Service, FICO Strategy Director, FICO TRIAD Customer Manager
Financial institutions, Insurers, Retailers, Telecommunications providers, Government agencies
Segment Financials
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Competitive Position
FICO holds a dominant market position as the provider of the standard credit risk metric in the U.S. and is a leading specialist in digital decisioning software.
Geographies
United States, Americas, Europe, Asia-Pacific
Customer Segments
Enterprise, Financial Institutions, Government, Consumers
Upstream Dependencies
Consumer credit data from reporting agencies, Third-party cloud infrastructure providers, Public records and alternative data sources
Downstream Customers
Major global banks, Credit card issuers, Mortgage and auto lenders, Retailers and general merchandisers, Public and government agencies
Competitors & Partners
Competitors
Equifax
EFX
Competitor in credit scoring and analytical software.
International Business Machines
IBM
Competitor in fraud and decision platform markets
Adobe
ADBE
Competitor in the marketing services market
Intuit
INTU
Direct-to-consumer credit service competitor
Pegasystems
PEGA
Competitor in fraud, marketing, and decision platform markets
Salesforce
CRM
Competitor in the marketing services market
Fair Isaac FAQ
Common questions about Fair Isaac
Fair Isaac Corporation (FICO) is a global analytics software leader specializing in predictive modeling and decision management. The company provides data-driven solutions that operationalize analytics to help businesses automate decisions, manage risk, and optimize customer engagement. Its core value proposition centers on the FICO Score, the standard measure of consumer credit risk in the United States, and a modular cloud platform for enterprise-wide digital decisioning.
Fair Isaac (FICO) has a market capitalization of $27.4B and trades on NYSE.
Fair Isaac generated $2.3B in trailing twelve-month revenue with net income of $759.6M, representing a net margin of 33.7%. Gross margin stands at 84.2%, with free cash flow of $900.9M. These figures are based on the Q1 2026 filing.
Fair Isaac's key competitors include Equifax, Incorporated, IBM, Adobe, and others. These companies compete in similar markets and product categories.
Fair Isaac has approximately 3,455 employees.