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FICO 
Fair Isaac Corporation (FICO)
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Upturn Advisory Summary
12/05/2025: FICO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $2031.78
1 Year Target Price $2031.78
| 7 | Strong Buy |
| 5 | Buy |
| 5 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 54.01% | Avg. Invested days 59 | 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 12/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 43.17B USD | Price to earnings Ratio 67.56 | 1Y Target Price 2031.78 |
Price to earnings Ratio 67.56 | 1Y Target Price 2031.78 | ||
Volume (30-day avg) 19 | Beta 1.29 | 52 Weeks Range 1300.00 - 2361.83 | Updated Date 12/7/2025 |
52 Weeks Range 1300.00 - 2361.83 | Updated Date 12/7/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 26.62 |
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 32.75% | Operating Margin (TTM) 48.1% |
Management Effectiveness
Return on Assets (TTM) 32.62% | Return on Equity (TTM) 35.62% |
Valuation
Trailing PE 67.56 | Forward PE 50.51 | Enterprise Value 45582174300 | Price to Sales(TTM) 21.68 |
Enterprise Value 45582174300 | Price to Sales(TTM) 21.68 | ||
Enterprise Value to Revenue 22.9 | Enterprise Value to EBITDA 47.92 | Shares Outstanding 23709047 | Shares Floating 23031680 |
Shares Outstanding 23709047 | Shares Floating 23031680 | ||
Percent Insiders 2.6 | Percent Institutions 91.19 |
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. It pioneered the use of scoring systems for consumer credit, revolutionizing lending practices. Key milestones include the development of the FICO Score in the late 1980s, which became the industry standard for credit risk assessment. Over the decades, FICO has expanded its offerings into various data analytics and decision management solutions across multiple industries.
Core Business Areas
- Scores: FICO develops and licenses its industry-leading credit scoring models, most notably the FICO Score, which is used by lenders worldwide to assess the creditworthiness of consumers. This segment is crucial for mortgage, auto, and credit card lending.
- Software: FICO offers a suite of software solutions designed for decision management, analytics, and automation. This includes platforms for fraud detection, customer management, and regulatory compliance across financial services, insurance, and other sectors.
- Consulting and Support: This area encompasses professional services, implementation support, and ongoing technical assistance for FICO's software and scoring solutions, ensuring clients can effectively leverage FICO's capabilities.
Leadership and Structure
Fair Isaac Corporation is led by a Chief Executive Officer and a Board of Directors. The company is organized into business units that align with its core product and service offerings, focusing on specific industries and customer needs.
Top Products and Market Share
Key Offerings
- Description: The FICO Score is a three-digit number representing a consumer's credit risk. It is the most widely used credit score in the United States, influencing lending decisions for over 90% of top lenders. Competitors include VantageScore, Experian, Equifax, and TransUnion, although FICO holds a dominant market share.
- Market Share Data: FICO holds a dominant market share in credit scoring, estimated to be around 80-90% for its proprietary scores in the US lending market. Specific revenue figures for the FICO Score are often bundled within broader segment reporting.
- Product Name 1: FICO Score
- Description: This suite includes various software solutions for real-time decisioning, such as FICO Falcon Platform for fraud detection, FICO Origination Manager for loan processing, and FICO Customer Communications Services. These solutions are used by banks, credit card companies, insurers, and retailers. Competitors include companies like SAS, IBM, Oracle, and specialized analytics providers.
- Market Share Data: While precise market share for the entire suite is difficult to ascertain due to its breadth, FICO is a leading player in the fraud detection and credit decisioning software markets. Revenue from software and related services forms a significant portion of FICO's overall revenue.
- Product Name 2: FICO Decision Management Suite
Market Dynamics
Industry Overview
Fair Isaac operates in the data analytics, credit scoring, and decision management software markets. These industries are characterized by rapid technological advancements, increasing data volumes, and a growing demand for AI and machine learning-driven insights to improve business outcomes and manage risk. Regulatory environments also play a significant role.
Positioning
FICO is a dominant player, particularly in the credit scoring market with its FICO Score. Its competitive advantages lie in its long-standing reputation, extensive data partnerships, proprietary algorithms, and a deep understanding of risk management across various industries. The company's ability to integrate data and provide actionable insights for decision-making is a key differentiator.
Total Addressable Market (TAM)
The TAM for FICO's solutions spans credit risk management, fraud detection, customer analytics, and operational decisioning across financial services, telecommunications, retail, and healthcare. Estimates for the global analytics and AI market suggest a TAM in the hundreds of billions of dollars, with significant portions addressable by FICO's offerings. FICO is well-positioned to capture a substantial share of the credit scoring and decision management segments within this broader market.
Upturn SWOT Analysis
Strengths
- Dominant market share in credit scoring (FICO Score).
- Strong brand recognition and long-standing reputation.
- Extensive data partnerships and proprietary algorithms.
- Proven track record in fraud detection and risk management.
- Scalable software solutions applicable across multiple industries.
Weaknesses
- Reliance on the credit scoring market, which can be cyclical.
- Perception of legacy technology in some software offerings.
- Potential for increased competition from newer, agile analytics firms.
- Complexity in navigating diverse regulatory landscapes across geographies.
Opportunities
- Expansion into new industries and emerging markets.
- Leveraging AI and machine learning for enhanced predictive capabilities.
- Growth in digital lending and embedded finance, requiring sophisticated decisioning.
- Increasing demand for fraud prevention solutions due to rising cyber threats.
- Partnerships with cloud providers to enhance service delivery.
Threats
- Regulatory changes impacting credit scoring and data usage.
- Emergence of disruptive credit scoring models or alternative data sources.
- Intensifying competition from established tech giants and startups.
- Data privacy concerns and potential breaches affecting customer trust.
- Economic downturns impacting lending volumes and software investments.
Competitors and Market Share
Key Competitors
- TransUnion (TRU)
- Equifax (EFX)
- Experian (EXPN.L)
- SAS Institute (Private)
- IBM (IBM)
- Oracle (ORCL)
Competitive Landscape
FICO benefits from its dominant position in credit scoring, providing a strong moat. However, in broader analytics and software, it faces fierce competition from established tech giants and nimble specialized providers. FICO's advantage lies in its deep domain expertise in risk and its integrated suite of solutions, while competitors may offer broader platforms or more cutting-edge AI capabilities in specific niches.
Major Acquisitions
Rakuten Card Co., Ltd. (partial investment/partnership)
- Year: 2023
- Acquisition Price (USD millions):
- Strategic Rationale: Deepen strategic alliance to drive innovation in credit card analytics and data utilization in Japan.
Ascend Risk
- Year: 2020
- Acquisition Price (USD millions): 150
- Strategic Rationale: Enhance FICO's fraud detection and prevention capabilities, particularly in digital channels.
Growth Trajectory and Initiatives
Historical Growth: FICO has demonstrated consistent historical growth, driven by the secular trends of increasing data utilization, the need for sophisticated risk management, and the expansion of digital services across industries. Its core credit scoring business has been a stable foundation, while its software segment has provided significant growth opportunities.
Future Projections: Analysts generally project continued solid growth for FICO, driven by the expansion of its decision management solutions, the increasing adoption of AI in its products, and the growing need for fraud prevention and customer analytics. Projections often indicate mid-to-high single-digit revenue growth in the coming years.
Recent Initiatives: Recent initiatives include enhancing its AI capabilities, expanding its cloud-based offerings, and forging strategic partnerships to extend its reach into new markets and applications. The company continues to invest in innovation to maintain its leadership position in data analytics and decision management.
Summary
Fair Isaac Corporation (FICO) is a strong company with a dominant market position in credit scoring and a leading presence in decision management software. Its consistent revenue growth, robust profitability, and strong cash flow are key strengths. FICO needs to remain vigilant against increasing competition and adapt to evolving technological landscapes, particularly in AI and advanced analytics, to sustain its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Fair Isaac Corporation Investor Relations
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Industry Research Reports
- SEC Filings (10-K, 10-Q)
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Investors should conduct their own due diligence before making any investment decisions. Market share data and TAM estimates are subject to change and may vary depending on the source and methodology. Competitor market share is illustrative and represents estimates across various segments.
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 3811 | Website https://www.fico.com |
Full time employees 3811 | Website https://www.fico.com | ||
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services 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. Its 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. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It 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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