Technology -
Software - Application - NYSE - US
$ 1855.38
0.684 %
$ 45.2 B
Market Cap
79.7
P/E
1. INTRINSIC VALUE
Balance Sheet
Fair Isaac Corporation
| Current Assets | 617 M |
| Cash & Short-Term Investments | 151 M |
| Receivables | 427 M |
| Other Current Assets | 40.1 M |
| Non-Current Assets | 1.1 B |
| Long-Term Investments | 45.3 M |
| PP&E | 68 M |
| Other Non-Current Assets | 987 M |
| Current Liabilities | 380 M |
| Accounts Payable | 22.5 M |
| Short-Term Debt | 26.6 M |
| Other Current Liabilities | 331 M |
| Non-Current Liabilities | 2.3 B |
| Long-Term Debt | 2.22 B |
| Other Non-Current Liabilities | 84.3 M |
EFFICIENCY
Earnings Waterfall
Fair Isaac Corporation
| Revenue | 1.72 B |
| Cost Of Revenue | 348 M |
| Gross Profit | 1.37 B |
| Operating Expenses | 636 M |
| Operating Income | 734 M |
| Other Expenses | 221 M |
| Net Income | 513 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Fair Isaac Corporation
| Net Income | 513 M |
| Depreciation & Amortization | 13.8 M |
| Capital Expenditures | -8.88 M |
| Stock-Based Compensation | 149 M |
| Change in Working Capital | -20.5 M |
| Others | 15 M |
| Free Cash Flow | 624 M |
Wall Street Analysts Price Targets
Fair Isaac Corporation
Wall Street analysts predict an average 1-year price target for FICO of $2.27 K, with forecasts ranging from
a
low of
$1.8 K to a high of $2.52 K.
FICO Lowest Price Target
Wall Street Target
1.8 K USD
-2.98%
FICO Average Price Target
Wall Street Target
2.27 K USD
22.15%
FICO Highest Price Target
Wall Street Target
2.52 K USD
35.55%
4. DIVIDEND
ANALYSIS
0.00%
DIVIDEND YIELD
0.02 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Fair Isaac Corporation
Sold
0-3 MONTHS
45.7 M USD 4
3-6 MONTHS
21.4 M USD 2
6-9 MONTHS
57.2 M USD 7
9-12 MONTHS
28.9 M USD 6
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
FICO UK Credit Card Market Report: April 2025
LONDON--(BUSINESS WIRE)--The usual seasonal spending increase in April was evident in the latest data from global analytics software leader FICO, following a post-Christmas dip. However, spend was slightly lower year-on-year, reflecting continued financial pressures. The proportion of balance paid has also been trending downwards so far in 2025, and in April was 6.2% lower year-on-year. Combined with the impact of inflation, this meant balances were 4.9% higher than April 2024. Highlights Spend.
businesswire.com
- 1 week ago
FICO Joins Forces With MI New York to Elevate Financial Literacy
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--Global analytics software leader FICO (NYSE: FICO) announced today that it will be partnering with MI New York, an American professional cricket team that competes in Major League Cricket (MLC). As part of FICO's partnership, MI New York cricketers will help raise awareness of the importance of financial literacy and credit education among fellow cricketers and cricket fans. Throughout the season, MI New York cricketers will connect with teammates and fans on so.
businesswire.com
- 2 weeks ago
FICO Score Mortgage Simulator Integration with MeridianLink Mortgage Credit Link Enables Resellers and Lenders to Analyze Loan Options
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO): Highlights: FICO® Score Mortgage Simulator gives mortgage professionals the ability to simulate how changes in an applicant's credit report data can impact their FICO® Score. The tool empowers lenders and borrowers to make more informed credit decisions, creating better customer experiences and increasing education around their FICO® Score. FICO® Score Mortgage Simulator is the only score simulator on the market today for mortgage professional.
businesswire.com
- 2 weeks ago
New FICO Credit Scores Incorporate Buy Now, Pay Later Transactions
FICO launched two credit scores that incorporate consumers' record of paying back buy now, pay later loans, the analytics company said Monday.
investopedia.com
- 2 weeks ago
FICO Unveils Groundbreaking Credit Scores That Incorporate Buy Now, Pay Later Data
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO), global analytics software leader, today announced the launch of FICO® Score 10 BNPL and FICO® Score 10 T BNPL, the first credit scores from a leading credit scoring provider to incorporate Buy Now, Pay Later (BNPL) data. These innovative scores, developed by FICO from data-driven research, represent a significant advancement in credit scoring, accounting for the growing importance of BNPL loans in the U.S. credit ecosystem. As key additions to.
businesswire.com
- 2 weeks ago
FICO Announces New Stock Repurchase Program on June 19, 2025
BOZEMAN, Mont.--(BUSINESS WIRE)--Global analytics leader, FICO (NYSE:FICO), today announced that its Board of Directors has approved a stock repurchase program to acquire up to $1 billion of the company's outstanding common stock. This new program was approved following completion of FICO's previous stock repurchase program, which was in effect from July 2024 until adoption of the new program in June 2025. The new stock repurchase program, which is open-ended, allows the company to repurchase i.
businesswire.com
- 2 weeks ago
FICO Survey: UK Consumers Trail Europeans in Real-Time Payments
LONDON--(BUSINESS WIRE)--An international survey on the uptake, trust, and future of real-time payments (RTP) from global analytics software leader FICO suggests that UK consumers are behind other European markets. Of the five surveyed countries in EMEA, the UK had the smallest number of consumers who had sent an RTP. Key Findings: 79% of UK consumers have sent RTP, compared with 94% in Sweden and 83% in Germany 35% of UK consumers consider RTP to be more secure than a credit card, compared to.
businesswire.com
- 2 weeks ago
FICO and the Hispanic 100 Foundation Hosts Free Financial Literacy Event to Help Consumers Unlock Their Financial Futures
YORBA LINDA, Calif.--(BUSINESS WIRE)---- $FICO--Global analytics software leader FICO, in partnership with the Hispanic 100 Foundation and with support from Congresswoman Young Kim's office, will host a free credit education event, Score A Better Future™, for community members, including college students and adults on Saturday, June 28, 2025, from 11:00 a.m. to 1:00 p.m. PT at the Yorba Linda Public Library. This event will provide attendees with tools and knowledge to better understand credit and how FI.
businesswire.com
- 3 weeks ago
FHFA provides no significant updates on credit scores, says RBC Capial
RBC Capital reiterated an Outperform rating and $2,170 price target on Fair Isaac after the Federal Housing Finance Agency published its 2024 Annual Report. Contrary to expectations, there were no significant updates regarding credit scores, including the transition from tri-merge to bi-merge or the requirements for adopting FICO Score 10 T or VantageScore 4.0, the analyst tells investors in a research note. The firm added that its price target continues to support its Outperform rating.
https://thefly.com
- 3 weeks ago
Fair Isaac: A Powerhouse Proposition For Strategic Investors
Fair Isaac's dominant market position, strong moat, and extensive product offerings underpin its long-term investment appeal. Recent share price volatility was triggered by critical comments, yet the company's fundamentals and growth trajectory remain strong. Fair Isaac combines low corporate spend with steadily escalating revenue and profit numbers. Its leadership is steady, calm and strategically conservative.
seekingalpha.com
- 3 weeks ago
Guild Mortgage Adopts FICO Score 10 T to Grow Underserved and First-Time Homebuyers
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--FICO (NYSE: FICO), a leading analytics software company, today announced that Guild Mortgage, a leading national mortgage lender, has adopted FICO® Score 10 T for non-GSE mortgage loans. This strategic move underscores Guild's commitment to leveraging advanced analytics to responsibly extend credit to a broader range of borrowers. FICO® Score 10 T is FICO's newest and most predictive credit scoring model, incorporating trended credit bureau data that captures a.
businesswire.com
- 4 weeks ago
FICO Recognized as a Leader in 2025 AI Decisioning Platforms Report by Independent Research Firm
Global analytics software leader FICO (NYSE: FICO) announced today that its industry-leading FICO® Platform has been named a leader in “The Forrester Wave™: AI Decisioning Platforms, Q2 2025” report, receiving the highest score in the current offering category among all evaluated platform providers, and highest marks possible on 13 scorecard criteria. According to the Forrester report, “AI decisioning platforms transform how organizations operationalize both human intelligence and AI at scale, enabling faster, more accurate decisions across complex business processes.” AI decisioning is also an important enabler for Agentic AI. The report goes further to say, “Modular architecture allows organizations to build AI decisioning agents that autonomously adapt to real-time data and maximize decision intelligence for specific use cases.” aAdsList.push('Article'); aAdsListSize.push([300, 250]); aAdsListCA.push(null); FICO® Platform is designed to revolutionize AI-first transformation for businesses worldwide through an end-to-end integrated solution. It supports smarter decision-making across the entire customer journey, breaks down silos, and makes it easier for teams to work together and innovate quickly. In the report, Forrester evaluated 15 AI decisioning platform providers against 18 criteria, assessing their Strength of Current Offering, Strategy, and Customer Feedback. Forrester recognized FICO and FICO® Platform for: “FICO’s vision goes beyond decisioning to imagine a future where enterprise executives will express business goals, and AI will create and continuously refine decision logic to achieve those goals. Its vision is complemented by an exceptional innovation approach, product roadmap, and implementation services.” “FICO’s platform excels in decision authoring, testing, and optimization, enabling enterprises to create, validate, and enhance complex decision logic. Its superior governance capabilities, including lifecycle management, transparency, extensibility, and observability, ensure compliance and robust monitoring.” “FICO best fits customers who extend credit and other financial services to millions of consumers and who require customizable solutions across the entire customer lifecycle.” “We are honored by this recognition from Forrester, which we believe underscores the transformative innovation of the FICO Platform,” said Nikhil Behl, president, Software for FICO. “Our mission is to deliver on the promise of an intelligent enterprise by helping customers monetize latent enterprise assets and execute best-in-class decisions at scale to drive outcomes and results.” FICO continues to be recognized by leading analyst firms for its innovation in AI-powered decisioning and platform excellence. Recent recognitions include: Gartner Market Guide for Decision Intelligence Platforms 2024 – This report dives into how decision intelligence platforms combine explicit decision modeling, AI, analytics and related capabilities to support, augment or automate decision making, driving business outcomes. Chartis Research RiskTech100® 2025 – Recognized for platform innovation and leadership. IDC MarketScape 2024 – Named a Leader for innovation in FICO® Platform in the Worldwide Decision Intelligence Platforms report. Access “The Forrester Wave™: AI Decisioning Platforms, Q2 2025” report, here: https://www.fico.com/en/latest-thinking/analyst-report/forrester-wave-ai-decisioning-platforms-q2-2025 For more information about FICO® Platform: https://www.fico.com/en/fico-platform. Note: Forrester does not endorse any company, product, brand, or service included in its research publications and does not advise any person to select the products or services of any company or brand based on the ratings included in such publications. Information is based on the best available resources. Opinions reflect judgment at the time and are subject to change. For more information, read about Forrester’s objectivity here. About FICO FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at https://www.fico.com/en. Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/. For FICO news and media resources, visit https://www.fico.com/en/newsroom. FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries. View source version on businesswire.com: https://www.businesswire.com/news/home/20250610645049/en/
https://www.marketscreener.com
- 4 weeks ago
8. Profile
Summary
Fair Isaac Corporation FICO
COUNTRY
US
INDUSTRY
Software - Application
MARKET CAP
$ 45.2 B
Dividend Yield
0.00%
Description
Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.
Contact
5 West Mendenhall, Bozeman, MT, 59715
https://www.fico.com
IPO
Date
July 22, 1987
Employees
3718
Officers
Mr. Michael S. Leonard
Vice President & Chief Accounting Officer
Mr. Thomas A. Bowers
Executive Vice President of Corporate Strategy
Mr. Mark Russell Scadina
Executive Vice President, General Counsel & Corporate Secretary
Mr. Richard Shawn Deal
Executive Vice President & Chief Human Resources Officer
Mr. James M. Wehmann
President of Scores
Dave Singleton
Vice President of Investor Relations
Mr. John Chen
Managing Director of China Operations
Mr. William J. Lansing
President, Chief Executive Officer & Director
Mr. Steven P. Weber
Executive Vice President & Chief Financial Officer
Mr. Amir Hermelin
Vice President & Chief Technology Officer