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Upturn AI SWOT - About
FICO 
Fair Isaac Corporation (FICO)
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Upturn Advisory Summary
12/03/2025: 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 50.91% | Avg. Invested days 59 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 42.30B USD | Price to earnings Ratio 67.11 | 1Y Target Price 2031.78 |
Price to earnings Ratio 67.11 | 1Y Target Price 2031.78 | ||
Volume (30-day avg) 19 | Beta 1.3 | 52 Weeks Range 1300.00 - 2400.00 | Updated Date 12/3/2025 |
52 Weeks Range 1300.00 - 2400.00 | Updated Date 12/3/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 26.26 |
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 7.74 |
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 67.11 | Forward PE 42.37 | Enterprise Value 44874459247 | Price to Sales(TTM) 21.25 |
Enterprise Value 44874459247 | Price to Sales(TTM) 21.25 | ||
Enterprise Value to Revenue 22.54 | Enterprise Value to EBITDA 47.18 | Shares Outstanding 23709047 | Shares Floating 23034288 |
Shares Outstanding 23709047 | Shares Floating 23034288 | ||
Percent Insiders 2.6 | Percent Institutions 91.15 |
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 mathematics to business decision-making, FICO pioneered credit scoring and has evolved into a leading analytics software company.
Core Business Areas
- Scores: Provides credit scores and other types of scores to lenders and businesses for risk management and decision-making.
- Software: Offers a range of software solutions for fraud detection, regulatory compliance, and customer management.
Leadership and Structure
William J. Lansing is the current CEO. FICO operates with a functional organizational structure, with divisions focusing on scores and software.
Top Products and Market Share
Key Offerings
- Competitors: VantageScore (Equifax, Experian, TransUnion)
- FICO Score: The FICO Score is a widely used credit score in the United States. Market share is estimated to be over 90% in the US mortgage lending market. Competitors include VantageScore (Equifax, Experian, TransUnion). Revenue data specific to FICO score only isn't publicly broken out, but it makes up the bulk of the Scores segment.
- Competitors: IBM, Oracle, SAS
- FICO Platform: A cloud-based platform offering a suite of decision management and analytics solutions. Revenue is included in the software segment, but not broken out. Competing platform solutions include offerings from IBM, Oracle, and SAS.
Market Dynamics
Industry Overview
The credit scoring and analytics industry is driven by the need for accurate risk assessment and decision-making across various sectors, including financial services, retail, and healthcare. Increasing demand for automation and data-driven insights is fueling growth.
Positioning
FICO is a leader in the credit scoring market due to its established brand, predictive accuracy, and widespread adoption. It maintains a competitive advantage through continuous innovation and strategic partnerships.
Total Addressable Market (TAM)
The global credit scoring and analytics market is estimated to be in the tens of billions of dollars annually. FICO is well-positioned to capture a significant portion of this TAM, particularly in the financial services sector.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- High market share in credit scoring
- Proprietary algorithms and analytics
- Extensive data partnerships
Weaknesses
- Dependence on the financial services industry
- Potential for disruption from alternative scoring models
- Regulatory scrutiny
- Slow decision making
Opportunities
- Expansion into new markets (e.g., emerging economies)
- Development of new scoring models for different industries
- Integration of AI and machine learning
- Growth through acquisitions
Threats
- Increased competition from fintech companies
- Changes in consumer credit behavior
- Economic downturn
- Data privacy concerns
Competitors and Market Share
Key Competitors
- Equifax (EFX)
- Experian (EXPGY)
- TransUnion (TRU)
Competitive Landscape
FICO maintains a competitive advantage in credit scoring due to its brand recognition and predictive accuracy. However, it faces increasing competition from fintech companies and alternative scoring models.
Major Acquisitions
ADEPTRA
- Year: 2012
- Acquisition Price (USD millions): 175
- Strategic Rationale: ADEPTRAu2019s intelligent self-service platform complements FICO's collections and recovery solutions.
Growth Trajectory and Initiatives
Historical Growth: FICO has experienced consistent growth in revenue and earnings over the past several years, driven by the increasing demand for its scoring and software solutions.
Future Projections: Analysts project continued growth for FICO, driven by expansion into new markets and product innovation.
Recent Initiatives: Recent initiatives include investments in AI and machine learning, expansion of the FICO Platform, and strategic acquisitions.
Summary
Fair Isaac Corporation (FICO) is a strong company with a dominant position in the credit scoring market. Its core business, the FICO Score, enjoys high market share and brand recognition. FICO must navigate increasing competition from fintech companies and evolving regulatory landscapes to sustain its growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10K, 10Q)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance are subject to change.
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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