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Fair Isaac Corp. (FICO) stock profile and business model

What Fair Isaac Corp. does, how the business earns money, and how valuation, peers, ownership, and risk shape the TECHi profile.

Section freshness

Prices as of Sep 11, 4:00 PM EDT · Fundamentals checked Sep 12, 3:55 AM EDT · Statements Jun 30, 2026

Investor profile snapshot

FICO live price, business model and key metrics

Start with the live market print, then use this profile to connect Fair Isaac Corp.'s operating model with revenue, margins, peer context, and investor risk.

Market closedLatest regular-session print

$985.39

+$24.72(+2.57%)4:00 PM ET - vs previous closei

Quote as of Sep 11, 2026, 4:00 PM EDT

NYSE market is closed. Showing the latest available regular-session trade from Sep 11, 2026, 4:00 PM EDT.

Market data source

Today62%
$960.02L Sep 11 '26$1,001H Sep 11 '26
52-week10%
$870.01$1,998
Long-term ranges5Y, 10Y, Since first print
5Y31%
$340.48L May 9 '22$2,403H Nov 13 '24
10Y38%
$109.77L Nov 8 '16$2,403H Nov 13 '24
Since first print41%
$9.76L Mar 6 '09$2,403H Nov 13 '24

1Y · USD · 255 pts

$985.39

Last close · Sep 26

-35.94%Open summary
Market-data preview · Sep 25 to Sep 261-year price range
FICO one-year price chartServer-rendered SVG chart showing FICO price history.
1Y High$1,9981Y Low$870.01

FICO one-year SVG chart preview from 2025-09-08 to 2026-09-11.

Live price

$985.39

Live during market hours

Market cap

$21.28B

Equity scale

Analyst view

Buy

Target $1,445 (+46.69% implied)

Company · Profile

About Fair Isaac Corp. (FICO)

Sector, leadership, and how Fair Isaac Corp. earns its revenue.

Fair Isaac Corp.

NYSE · FICO · US

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.

Sector
Technology
Industry
Software - Application
Headquarters
Bozeman, MT, United States
Country
US
Founded
1987
Employees
3,876
CEO
Mr. William J. Lansing J.D.
Exchange
NYSE

Business identity

Fair Isaac Corp. company facts and operating footprint

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.

Sector
Technology
Industry
Software - Application
Headquarters
Bozeman, MT, United States
Founded
1987
Employees
3,876
CEO
Mr. William J. Lansing J.D.
Country
US
Exchange
NYSE
Registration and filing identifiersShow
Asset type
Common Stock
Fiscal year end
September
Latest quarter
Jun 30, 2026
CIK
0000814547

Key metrics

FICO valuation, revenue and margin profile

Full statistics
Market cap
$21.28B
Equity scale
Revenue TTM
$2.39B
Trailing twelve months
Net margin
34.05%
Profit after expenses
Revenue growth
25.68%
Latest YoY quarter
Free cash flow
$379.58M
Reported in USD

Margin quality snapshot

Gross margin39.00%
Operating margin51.65%
Net margin34.05%

Competitors

FICO competitors and peer context

TickerCompanyPriceMove
PLTRPalantir Technologies$167.23+0.83%

Risk heatmap

FICO business risks investors should monitor

Valuation sensitivity

Elevated

27.78x

Use the forward P/E and PEG context before treating the profile as cheap or expensive.

Balance-sheet flexibility

Monitor

D/E — · CR 1.18

Debt load and near-term liquidity shape how much strategic patience the company has.

Growth durability

Monitor

25.68%

Latest YoY revenue growth is the first check on whether the business model is still expanding.

Market sensitivity

Monitor

Beta 1.32

Higher beta can amplify drawdowns when rates, earnings expectations, or sector appetite shift.

Regulatory and operating pressure

Elevated

Technology

Platform rules, AI governance, export controls, and supply-chain constraints can move product timing, margins, or addressable markets.

FICO ownership and registration profile

Float shares
20.90M
Insider ownership
3.02%
Institutional ownership
102.34%
Address
5 West Mendenhall, Bozeman, MT, 59715, United States

Size & scale

Market cap
$21.28B
Enterprise value
$26.32B
Shares outstanding
21.60M
Currency
USD

Frequently asked

Common questions.

What does Fair Isaac Corp. do?

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.

Where does TECHi source the FICO profile?

FICO profile facts come from company filings and TECHi's market-data providers; any detail that is not available is left blank rather than inferred.