Fair Isaac Corporation (FICO) Stock

About Fair Isaac Corporation

Fair Isaac Corporation, also known as FICO, delivers advanced analytics, software solutions, and data management services designed to help businesses optimize, automate, and interconnect their crucial decision-making processes. These offerings reach clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company operates through two main divisions: Software and Scores. The Software segment provides pre-configured decision management solutions catering to a variety of business challenges and operations, including marketing strategy, account creation, customer relations, engagement, fraud detection, financial crime compliance, and debt collection, alongside related professional services. Key among its offerings is the FICO Platform, a modular software suite built to support sophisticated analytical and decision-making applications. This segment also supplies stand-alone analytical and decisioning software that customers can customize for a broad spectrum of business needs. Conversely, the Scores segment offers both business-to-business (B2B) and business-to-consumer (B2C) solutions. Its B2B scoring services empower corporate clients with analytics that can be integrated directly into their transaction flows and decision frameworks. For individual consumers, the segment provides B2C scoring via offerings such as myFICO.com subscriptions. FICO markets its diverse product and service portfolio primarily through its dedicated direct sales force, various indirect distribution channels, and its online presence. Established in 1956 as Fair Isaac & Company, Inc., the company officially adopted the name Fair Isaac Corporation in July 1992 and maintains its headquarters in Bozeman, Montana.

Fair Isaac Corporation is led by CEO William J. Lansing, employs 3,718 people, headquartered in Bozeman, US, publicly traded since 1987.

Fair Isaac Corporation (FICO) stock trades at $815.31 with a market capitalization of $17.61B. The stock is valued at a price-to-earnings (P/E) ratio of 20.67, a negative price-to-book of -3.98, reflecting negative shareholders' equity, price-to-sales of 6.49. Over the past 52 weeks the stock has ranged between $586.05 and $1858.91, and currently trades 56.1% below its 52-week high.

On profitability, Fair Isaac Corporation generates a return on equity (ROE) of -33.43% (not meaningful, as shareholders' equity is negative), return on capital employed of 95.68%, an operating margin of 46.46%, a net profit margin of 34.05%.

In its most recent fiscal year, Fair Isaac Corporation reported annual revenue of $2.0B, net profit of $652.0M. Over the last 5 fiscal years, revenue grew at an average annual rate of 9.0%, and net profit grew at an average annual rate of 22.5%. Over that span net profit grew faster than revenue, so net margin widened.

The balance sheet shows a debt-to-equity ratio of -1.37 (negative because shareholders' equity is negative), a current ratio of 0.83, total assets of $1.9B, $134.0M in cash and equivalents.

FICO has an average daily trading volume of 562,098 shares, a beta of 1.34 (historically more volatile than the overall market).

Official website: www.fico.com

Fair Isaac Corporation by the numbers, 2016–2025

Between 2016 and 2025 Fair Isaac Corporation reported revenue of $881.0M rising to $2.0B, a change of +126.0% across 10 years. Compounded, revenue has grown 9.0% a year over five years, 13.1% over three, 15.9% over the last twelve months. Net profit rose to $652.0M.

Operating margin went from 19.2% in 2016 to 46.5% in 2025, a gain of 27.2 percentage points. The most recent net margin is 34.05%. On a trailing twelve-month basis to Jun '26, revenue is $2.4B and net profit $814.0M.

Borrowings rose from $571.0M to $3.1B, cash from operations was $779.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged -110.5% over five years, and was -37.3% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Fair Isaac Corporation (FICO) — frequently asked questions