Fair Isaac Corp. (FICO) builds decisioning software and credit scoring products used by lenders, insurers, retailers, public agencies and consumer-facing credit platforms. Its business combines the FICO Score franchise with analytics, rules, workflow and SaaS software that help customers automate credit, fraud, marketing and customer-management decisions.
47,2 %
82,2 %
32,7 %
+15,9 %
0.83
0.83
| % | |
|---|---|
| Scores | 60% Credit scores, score-based decision products and consumer credit offerings sold mainly through consumer reporting agencies. |
| Software | 33% On-premises and SaaS decisioning software for fraud, origination, customer management and marketing. |
| Professional Services | 7% Implementation, configuration and analytic consulting services sold with software deployments. |
FICO sells primarily to large financial institutions, especially banks, credit card issuers and mortgage lenders,...
Banks, credit card issuers and mortgage lenders buy scores and decisioning software to automate underwriting, fraud detection and customer management.
Experian, TransUnion and Equifax distribute FICO Scores and related products, making them critical channel partners and revenue contributors.
Insurers use FICO analytics and scores for risk assessment, pricing and claims-related decisioning.
Retailers and merchants buy analytics and customer-management tools to improve targeting, retention and workflow automation.
Government and public-sector organizations use decisioning and analytics software for application processing and operational workflows.
Individuals subscribe to myFICO.com for credit monitoring, score access and credit education.
The company reports the Americas as its largest market, representing 87% of fiscal 2025 revenue, so performance is...
FICO is pushing growth in its Platform software and indirect channels while defending the core Scores franchise through...
Recurring software revenue can improve durability and deepen customer integration.
Partner-led sales can broaden reach, especially for scores and platform products.
New end markets can reduce dependence on a few large customers and channels.
FICO depends on a concentrated set of channel partners and large enterprise customers, so any change in those...
A large share of scores revenue comes through three consumer reporting agencies, creating dependency on a few relationships.
The company stores and transmits sensitive consumer and customer data and increasingly operates through cloud-based systems.
Competitors include CRAs, AI/ML vendors and enterprise software providers with significant resources.
Demand for scores and decisioning tools is tied to mortgage originations, lending activity and customer spending.
Enterprise software and score renewals can take time and may shift between periods.
: 11/08/2026