Fair Isaac Corporation
- Industria
- Professional Information Services
- Bolsa
- EE. UU.
- País / Región
- USA
- Fecha de salida a bolsa
- 22 de julio de 1987
- Empleados
- 3758
- Sitio web
- www.fico.com
Rango de valoración compuesto · conservador $550–$650 / razonable $800–$950 / optimista $1,150–$1,300. A $1,280.57, Dentro del rango de valor intrínseco optimista · con muchas expectativas ya descontadas.
Al publicar $1,278.47 (28 de mayo de 2026)
Datos de EODHD, mostrados en la moneda de reporte; solo a título informativo, no constituye asesoramiento de inversión.
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.
Historia
Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana. Formerly known as Fair Isaac & Company, Inc., it changed its name to Fair Isaac Corporation in July 1992, and went public on July 22, 1987. The company operates through two segments, Scores and Software: the Scores segment covers business-to-business scoring as well as business-to-consumer products such as myFICO, while the Software segment spans decision management, analytic software, professional services, and the FICO Platform. In fiscal 2025 revenue reached $1.991 billion, split between Scores at $1.169 billion and Software at $0.822 billion, with segment operating profit of $1.026 billion for Scores and $0.248 billion for Software. The Software business has shifted toward recurring revenue: total Software ARR was $747.3 million at the end of fiscal 2025 (Platform ARR $263.6 million, 35%) and rose to $789 million by the second quarter of fiscal 2026, with Platform ARR reaching $349 million. Total debt climbed from $1.268 billion at the end of 2021 to $2.2 billion at the end of 2024 and $3.1 billion at the end of 2025, with Senior Notes carrying value of about $3.4 billion as of March 31, 2026. The company employs 3,758 people.
Posición en el sector
FICO operates in credit scoring infrastructure alongside enterprise decision software. Its 10-K describes the FICO Score as the standard measure of U.S. consumer credit risk, used by nearly all large banks, credit card issuers, mortgage originators, and auto lenders. Most of its B2B scores revenue is not billed directly to lenders but distributed through the credit bureaus Experian, TransUnion, and Equifax, which pay FICO a fee for each score used; apart from de-identified data used in product development, FICO generally does not itself collect or store the consumer credit data used for scoring, so its assets are the algorithms, brand, industry standard, and pricing power rather than a data-heavy database. The Scores segment operating margin has run around 88% over the long term and reached 91% in the second quarter of fiscal 2026. In fiscal 2025 the revenue mix was 59% Scores and 41% Software, and the three credit bureaus accounted for 51% of revenue in fiscal 2025, rising to 58% in the first half of fiscal 2026. FICO lists Equifax, Experian, TransUnion, VantageScore, and other analytic model providers as competitors in its 10-K. On April 22, 2026, the FHFA announced that Fannie Mae, Freddie Mac, and the FHA were advancing implementation of new mortgage credit scoring models, allowing VantageScore 4.0 and FICO 10T into a new competitive phase. In fraud and software, FICO's Falcon Fraud Manager and Falcon Intelligence Network connect more than 10,000 financial institutions, payment providers, and merchants.
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