Fair Isaac/$FICO

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04:45
12:25
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About Fair Isaac

Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's US-centric credit scores business accounts for most of the firm's profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.

Ticker

$FICO

Sector

Software & Cloud Services

Primary listing

NYSE

Employees

3,855

Fair Isaac Metrics

BasicAdvanced
$37B
59.89
$25.55
1.28
-

What the Analysts think about Fair Isaac

Analyst ratings (Buy, Hold, Sell) for Fair Isaac stock.

Bulls say / Bears say

FHFA’s July approval for Fannie Mae and Freddie Mac to use VantageScore 4.0 alongside FICO weakens FICO’s monopoly in the mortgage space and may diminish its pricing leverage in a market that represents nearly half of all U.S. mortgage originations (WSJ).
The CFPB’s May 1, 2025 request to revoke the medical debt exclusion rule signals regulatory uncertainty in credit reporting, increasing potential compliance expenses and unpredictability for FICO as its scoring models will need to keep pace with evolving data requirements (Reuters).
A July 11, 2025 ruling by a U.S. federal judge overturning the Biden-era prohibition on reporting medical debt adds to the legal instability of the credit reporting framework, which could further disrupt FICO’s underlying scoring methodology and the predictability of its revenues (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 29 Aug 2025.

Fair Isaac Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Fair Isaac Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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