Fair Isaac (FICO)
Information Technology · Decision management and credit analytics software
FICO is the market-leading decision management and analytics software provider whose credit scoring algorithms, fraud detection, and lending decisioning tools power financial institutions' risk management and underwriting processes globally.
What Fair Isaac does
Fair Isaac Corporation develops and delivers decision management software, analytics, and scoring solutions used by financial institutions, insurers, and businesses to assess credit risk, detect fraud, and make lending and underwriting decisions. The company generates revenue from three primary streams: on-premises and SaaS software licenses, professional services, and scores (credit scores and other decisioning scores). FICO's core mission is to enable data-driven decision-making through proprietary algorithms and machine learning models deployed across financial services and related industries.
Themes: ["financial services software","credit risk assessment","fraud detection","digital lending","data analytics","decision automation","financial technology","risk management"]
Fundamentals
- Price$1,279.41 as of 2026-07-09 close
- Market cap$29.4B as of 2026-07-10
- 1-year return-19.6% as of 2026-07-09 close
- P/E38.68 as of 2026-07-10
- Net margin+33.7% as of 2026-07-10
- Gross margin+84.2% as of 2026-07-10
- ROE+145.7% as of 2026-07-10
- Debt / equity8.46 as of 2026-07-10
- Revenue growth (YoY)+22.6% as of 2026-07-10
- Revenue CAGR (3y)+13.1% SEC XBRL
- Beta1.33 as of 2026-07-10
Dividend: 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["High debt leverage with $3.6B+ long-term debt against ~$2B total assets, creating significant financial burden and refinancing risk","Dependence on credit scoring and decisioning revenues from a concentrated financial services customer base, exposing FICO to cyclical credit cycles and lending volume fluctuations","Intense competition from alternative analytics providers, open-source alternatives, and in-house model development by large financial institutions"]
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.