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Upturn AI SWOT - About
FICO 
Fair Isaac Corporation (FICO)
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Upturn Advisory Summary
09/12/2025: FICO (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $1874.7
1 Year Target Price $1874.7
| 7 | Strong Buy |
| 5 | Buy |
| 5 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 51.69% | Avg. Invested days 60 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 37.06B USD | Price to earnings Ratio 60.24 | 1Y Target Price 1874.7 |
Price to earnings Ratio 60.24 | 1Y Target Price 1874.7 | ||
Volume (30-day avg) 19 | Beta 1.34 | 52 Weeks Range 1300.00 - 2402.51 | Updated Date 09/12/2025 |
52 Weeks Range 1300.00 - 2402.51 | Updated Date 09/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 25.63 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.8% | Operating Margin (TTM) 48.94% |
Management Effectiveness
Return on Assets (TTM) 30.98% | Return on Equity (TTM) 35.62% |
Valuation
Trailing PE 60.24 | Forward PE 44.44 | Enterprise Value 40934906023 | Price to Sales(TTM) 19.21 |
Enterprise Value 40934906023 | Price to Sales(TTM) 19.21 | ||
Enterprise Value to Revenue 21.22 | Enterprise Value to EBITDA 45.06 | Shares Outstanding 24003700 | Shares Floating 23315231 |
Shares Outstanding 24003700 | Shares Floating 23315231 | ||
Percent Insiders 2.57 | Percent Institutions 91.32 |
Upturn AI SWOT
Fair Isaac Corporation
Company Overview
History and Background
Fair Isaac Corporation (FICO) was founded in 1956 by Bill Fair and Earl Isaac. Initially focused on automating credit risk assessment, the company has evolved into a global leader in analytics software and credit scoring.
Core Business Areas
- Scores: This segment provides credit scores and other credit risk assessment products and services to consumers and businesses. Its flagship product is the FICO Score, widely used by lenders to assess creditworthiness.
- Software: This segment offers software solutions for fraud detection, decision management, and marketing optimization across various industries, including financial services, retail, and telecommunications.
Leadership and Structure
Will Lansing serves as the Chief Executive Officer. The company operates with a functional organizational structure, with departments focusing on sales, marketing, product development, and finance.
Top Products and Market Share
Key Offerings
- FICO Score: The FICO Score is the most widely used credit score in the United States. FICO has a very high market share in credit scores. Competitors include VantageScore (Equifax, Experian, TransUnion). Revenue generated from scores represents a significant portion of total revenues.
- Market Share: High Market Share
- FICO Platform: The FICO Platform is a cloud-based platform that provides businesses with a range of analytics and decision management tools. Competitors include Pegasystems, SAS, and IBM.
- Market Share: Relatively High Market Share
Market Dynamics
Industry Overview
The analytics software and credit scoring industry is characterized by high demand for data-driven decision-making solutions. Key trends include increased adoption of cloud-based platforms and growing focus on AI and machine learning.
Positioning
FICO holds a leading position in the credit scoring market due to its established brand, sophisticated algorithms, and strong relationships with lenders. The company benefits from network effects as its scores become increasingly valuable with wider adoption.
Total Addressable Market (TAM)
The estimated TAM for analytics software and credit scoring is in the billions of dollars. FICO is well-positioned to capture a significant share of this market due to its established brand and expertise.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Dominant market share in credit scoring
- Sophisticated analytics capabilities
- Established relationships with lenders
- Recurring revenue model
Weaknesses
- Reliance on the credit scoring market
- Potential impact from regulatory changes
- Competition from emerging analytics providers
- Slower growth in some segments
Opportunities
- Expansion into new markets
- Development of innovative analytics solutions
- Increased adoption of cloud-based platforms
- Growth in demand for fraud detection solutions
Threats
- Economic downturns
- Changes in consumer behavior
- Cybersecurity risks
- Increased competition from alternative credit scoring models
Competitors and Market Share
Key Competitors
- Equifax (EFX)
- Experian (EXPGY)
- TransUnion (TRU)
Competitive Landscape
FICO's advantages include its established brand, sophisticated algorithms, and strong relationships with lenders. Its disadvantages include its reliance on the credit scoring market and competition from emerging analytics providers.
Major Acquisitions
QuadMetrics
- Year: 2016
- Acquisition Price (USD millions): 24
- Strategic Rationale: Enhanced FICO's fraud and cybersecurity offerings.
Growth Trajectory and Initiatives
Historical Growth: FICO has experienced steady revenue growth in recent years, driven by increased demand for its credit scoring and analytics solutions.
Future Projections: Analyst estimates project continued revenue growth for FICO, driven by the expansion of its cloud-based platform and the increasing importance of data-driven decision-making. EPS is expected to grow in the coming years.
Recent Initiatives: Recent initiatives include the launch of the FICO Platform, acquisitions of complementary businesses, and investments in AI and machine learning.
Summary
Fair Isaac Corporation possesses a strong market position within the credit scoring and analytics industry, driven by its widely-used FICO Score and sophisticated software solutions. While their dominance in credit scoring provides stability, reliance on this segment presents a potential vulnerability. The company's strategic initiatives, including cloud platform development and targeted acquisitions, aim to diversify revenue streams and capitalize on emerging market opportunities. FICO should closely monitor competitive threats and adapt to evolving regulatory landscapes to maintain its leadership position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fair Isaac Corporation
Exchange NYSE | Headquaters Bozeman, MT, United States | ||
IPO Launch date 1987-07-22 | President, CEO & Director Mr. William J. Lansing J.D. | ||
Sector Technology | Industry Software - Application | Full time employees 3855 | Website https://www.fico.com |
Full time employees 3855 | Website https://www.fico.com | ||
Fair Isaac Corporation develops software with analytics and digital decisioning technologies that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates in two segments, Scores and Software. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers 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. It offers FICO® Decision Modeler and FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, FICO Decision Optimizer, FICO TRIAD Customer Manager, FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, FICO Analytic Services, FICO Advisors, and FICO Blaze Advisor, as well as software implementation and configuration services. The company 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.
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