Fair Isaac Corporation logo

Fair Isaac Corporation

FICO

NYSETechnologySoftware - Application

Previous close

$1,172.67

+$22.92 · +1.99%

Aug 21, 4:00 PM ET

FICO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

56

Fair Value

Momentum

50

Neutral

Sentiment

66

Bullish

Risk resilience

47

Elevated Risk

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Company profile

Company website

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.

Industry
Software - Application
Sector
Technology
Headquarters
US
CEO
William J. Lansing
Listed since
Jul 22, 1987
Employees
3,876

Market position

Day range

Current $1,172.67

52-week range

Current $1,172.67

Open
$1,152.73
Previous close
$1,149.75
Volume
293.1K
0.85× average
Average volume
346.24K
Average daily volume
Market cap
25.33B USD
Beta
1.32
Market reference 1
50-day average
$1,173.19
-0.04% below average
200-day average
$1,334.94
-12.16% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
39.22B USD
P/E (TTM)
33.69×
P/B (TTM)
-6.49×
P/S (TTM)
10.58×
EV / EBITDA
41.23×
Earnings yield
1.80%
Free cash flow yield
2.12%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
85.10%
Operating margin
51.65%
Net margin
34.05%
Return on equity
-37.34%
Return on assets
34.90%
Return on invested capital
52.96%

Financial health

Debt / equity
-1.37×
Current ratio
0.83×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends88%66%44%22%Gross margin, FY2021: 74.75%Gross margin, FY2022: 78.06%Gross margin, FY2023: 79.45%Gross margin, FY2024: 79.73%Gross margin, FY2025: 82.23%Operating margin, FY2021: 38.40%Operating margin, FY2022: 39.38%Operating margin, FY2023: 42.47%Operating margin, FY2024: 42.71%Operating margin, FY2025: 46.45%Net margin, FY2021: 29.78%Net margin, FY2022: 27.12%Net margin, FY2023: 28.37%Net margin, FY2024: 29.86%Net margin, FY2025: 32.75%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 74.75%. Gross margin FY2022 78.06%. Gross margin FY2023 79.45%. Gross margin FY2024 79.73%. Gross margin FY2025 82.23%. Operating margin FY2021 38.40%. Operating margin FY2022 39.38%. Operating margin FY2023 42.47%. Operating margin FY2024 42.71%. Operating margin FY2025 46.45%. Net margin FY2021 29.78%. Net margin FY2022 27.12%. Net margin FY2023 28.37%. Net margin FY2024 29.86%. Net margin FY2025 32.75%.

Income trends

Revenue

1.99B USD+15.91%

Operating income

924.85M USD+26.07%

Net income

651.95M USD+27.13%
Income trends across reported periods2.15B USD1.51B USD858.74M USD211.81M USDRevenue, FY2021: 1.32B USDRevenue, FY2022: 1.38B USDRevenue, FY2023: 1.51B USDRevenue, FY2024: 1.72B USDRevenue, FY2025: 1.99B USDOperating income, FY2021: 505.49M USDOperating income, FY2022: 542.41M USDOperating income, FY2023: 642.83M USDOperating income, FY2024: 733.63M USDOperating income, FY2025: 924.85M USDNet income, FY2021: 392.08M USDNet income, FY2022: 373.54M USDNet income, FY2023: 429.38M USDNet income, FY2024: 512.81M USDNet income, FY2025: 651.95M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.32B USD. Revenue FY2022 1.38B USD. Revenue FY2023 1.51B USD. Revenue FY2024 1.72B USD. Revenue FY2025 1.99B USD. Operating income FY2021 505.49M USD. Operating income FY2022 542.41M USD. Operating income FY2023 642.83M USD. Operating income FY2024 733.63M USD. Operating income FY2025 924.85M USD. Net income FY2021 392.08M USD. Net income FY2022 373.54M USD. Net income FY2023 429.38M USD. Net income FY2024 512.81M USD. Net income FY2025 651.95M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.99B USD1.72B USD1.51B USD1.38B USD1.32B USD
Cost of goods sold353.72M USD348.21M USD311.05M USD302.17M USD332.46M USD
Gross profit1.64B USD1.37B USD1.2B USD1.08B USD984.07M USD
Research and development188.35M USD171.94M USD159.95M USD146.76M USD171.23M USD
Selling, general, and administrative513.03M USD462.83M USD400.57M USD383.86M USD396.28M USD
Operating expenses712.3M USD635.69M USD559.67M USD532.68M USD478.59M USD
Interest expense133.65M USD105.64M USD95.55M USD68.97M USD40.09M USD
Depreciation and amortization14.95M USD13.83M USD14.64M USD20.47M USD25.59M USD
Operating income924.85M USD733.63M USD642.83M USD542.41M USD505.49M USD
Net income651.95M USD512.81M USD429.38M USD373.54M USD392.08M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+1.93%
11 comparable reports
Latest EPS result
12.18
Estimate 11.76 · Beat by 3.57%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates13.0410.447.855.25Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 5.79, estimate 6.09, surprise -4.93%, Miss. Q2 2025, reported Apr 29, 2025: actual 7.81, estimate 7.48, surprise +4.41%, Beat. Q3 2025, reported Jul 30, 2025: actual 8.57, estimate 7.71, surprise +11.15%, Beat. Q4 2025, reported Nov 5, 2025: actual 7.74, estimate 7.32, surprise +5.74%, Beat. Q1 2026, reported Jan 28, 2026: actual 7.33, estimate 7.08, surprise +3.53%, Beat. Q2 2026, reported Apr 28, 2026: actual 12.5, estimate 10.89, surprise +14.78%, Beat. Q3 2026, reported Jul 29, 2026: actual 12.18, estimate 11.76, surprise +3.57%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 11.03, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates719.34M617M514.65M412.3MQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 439.97M USD, estimate 452.23M USD, surprise -2.71%, Miss. Q2 2025, reported Apr 29, 2025: actual 498.74M USD, estimate 499.78M USD, surprise -0.21%, Miss. Q3 2025, reported Jul 30, 2025: actual 536.42M USD, estimate 515.34M USD, surprise +4.09%, Beat. Q4 2025, reported Nov 5, 2025: actual 515.75M USD, estimate 513.32M USD, surprise +0.47%, Beat. Q1 2026, reported Jan 28, 2026: actual 511.96M USD, estimate 501.28M USD, surprise +2.13%, Beat. Q2 2026, reported Apr 28, 2026: actual 691.68M USD, estimate 630.21M USD, surprise +9.75%, Beat. Q3 2026, reported Jul 29, 2026: actual 674.19M USD, estimate 679.17M USD, surprise -0.73%, Miss. Q4 2026, reported Nov 4, 2026: actual —, estimate 666.12M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$1,539.33

31.27% upside
Past 12 months12-month forecastHigh $1,750Average $1,539.33Low $1,139

Recent analyst actions

12 institutions
Wolfe ResearchdowngradeOutperformPeer Perform
B of A SecuritiesmaintainBuy

FICO peers

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