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FICO 
Fair Isaac Corporation (FICO)
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Upturn Advisory Summary
11/05/2025: FICO (2-star) is currently NOT-A-BUY. Pass it for now.
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 $2016.6
1 Year Target Price $2016.6
| 7 | Strong Buy |
| 5 | Buy |
| 5 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 53.93% | Avg. Invested days 66 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 39.62B USD | Price to earnings Ratio 64.53 | 1Y Target Price 2016.6 |
Price to earnings Ratio 64.53 | 1Y Target Price 2016.6 | ||
Volume (30-day avg) 19 | Beta 1.3 | 52 Weeks Range 1300.00 - 2402.51 | Updated Date 11/4/2025 |
52 Weeks Range 1300.00 - 2402.51 | Updated Date 11/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 24.89 |
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 2025-11-05 | When After Market | Estimate 7.31 | 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 64.53 | Forward PE 50.51 | Enterprise Value 45450473790 | Price to Sales(TTM) 20.54 |
Enterprise Value 45450473790 | Price to Sales(TTM) 20.54 | ||
Enterprise Value to Revenue 23.56 | Enterprise Value to EBITDA 50.03 | Shares Outstanding 24003656 | Shares Floating 23314991 |
Shares Outstanding 24003656 | Shares Floating 23314991 | ||
Percent Insiders 2.57 | Percent Institutions 90.63 |
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 applying data analytics to decision-making, they pioneered credit scoring. Over time, FICO's credit scoring models became the industry standard, revolutionizing lending practices.
Core Business Areas
- Scores: Provides credit scores used by lenders to assess credit risk. It's the foundation of their business. This includes various industry-specific scores and solutions for different lending needs.
- Software: Offers a range of software solutions for fraud detection, decision management, and customer communication across various industries like financial services, retail, and telecommunications.
Leadership and Structure
William Lansing serves as the Chief Executive Officer of FICO. The company has a traditional hierarchical structure with various departments focusing on product development, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- FICO Score: The most widely used credit score in the United States. Estimates indicate that over 90% of US lenders use FICO Scores. Competitors include VantageScore (Equifax, Experian, TransUnion) and other proprietary scoring models used by individual lenders. The FICO score generates more than 75% of total revenue.
- FICO Platform: A cloud-based platform providing decision management and analytics solutions. It allows businesses to create, manage, and deploy analytical models. Competitors include Pegasystems, SAS Institute, and other enterprise software providers.
Market Dynamics
Industry Overview
The risk management and decision analytics industry is experiencing growth driven by increased data availability and the need for automated decision-making. The industry is highly competitive, with both established players and emerging startups.
Positioning
FICO holds a leading position in credit scoring due to its established brand, predictive analytics capabilities, and widespread adoption of its scoring models. Its competitive advantage lies in its sophisticated algorithms and deep understanding of consumer credit behavior.
Total Addressable Market (TAM)
The TAM for credit risk assessment and fraud detection is expected to reach hundreds of billions of dollars globally. FICO is positioned to capture a significant portion of this market through its established presence and innovative solutions.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Industry-standard FICO Score
- Extensive data analytics capabilities
- Recurring revenue model
- Established relationships with major lenders
Weaknesses
- Reliance on the credit scoring industry
- Potential for disruption from alternative scoring models
- Concerns about transparency of scoring algorithms
- Dependence on credit bureau data
- Vulnerable to regulatory changes
Opportunities
- Expansion into new markets and industries
- Development of new scoring models and analytics solutions
- Increased adoption of cloud-based platforms
- Partnerships with fintech companies
- Leveraging artificial intelligence and machine learning
Threats
- Competition from alternative credit scoring models
- Economic downturn and decreased lending activity
- Data security breaches and privacy concerns
- Regulatory changes affecting credit scoring practices
- Technological disruptions from AI-based scoring solutions
Competitors and Market Share
Key Competitors
- Experian (EXPGY)
- Equifax (EFX)
- TransUnion (TRU)
Competitive Landscape
FICO faces competition from other credit bureaus and analytics providers. Its advantages include its established brand, proprietary algorithms, and widespread adoption of its scoring models. The other three companies listed all have their own scoring models, and sell data and analytics.
Major Acquisitions
HHH Acquisition Sub, Inc.
- Year: 2022
- Acquisition Price (USD millions): 720
- Strategic Rationale: The acquisition will help FICO to further expand its decision intelligence capabilities.
Growth Trajectory and Initiatives
Historical Growth: FICO has experienced consistent growth in revenue and earnings over the past decade, driven by the increasing demand for credit scoring and analytics solutions.
Future Projections: Analysts project continued growth for FICO, driven by the expansion of its cloud-based platform and the increasing adoption of AI-powered analytics.
Recent Initiatives: FICO has recently focused on expanding its cloud-based platform, developing new AI-powered analytics solutions, and entering new markets.
Summary
FICO is a well-established company with a strong position in the credit scoring industry. Its core business remains profitable, but it should look to diversify and keep an eye on alternative scoring models. Leveraging AI and expanding the FICO Platform will be key to future growth. It is a fundamentally sound company with a strong history.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
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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