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Fair Isaac Corporation: Business Overview, Financials & Competitive Analysis

FICO transforms business by making every decision count through Decision Management solutions that combine trusted advice, world-class analytics and innovative applications. The company serves clients in 80 countries,...

Analyst-debate audio for Fair Isaac Corporation

AskCyborg analysts argue the bull and bear cases for Fair Isaac Corporation across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

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8/ 10Strong

Cyborg Score thesis

Market-leading analytics and decision management platform with expanding SaaS offerings, strong profitability, and secular...

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Industry Software & Analytics - Decision Management & Applied Analytics
4 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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Fair Isaac Corporation Overview

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FICO transforms business by making every decision count through Decision Management solutions that combine trusted advice, world-class analytics and innovative applications. The company serves clients in 80 countries, operating through two core segments: Scores (credit and predictive scoring) and Software (decision management analytics platforms).

Strategic Profile

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Q1 FY2026 showed strong momentum with total revenue increasing 16% year-over-year to $512 million, primarily driven by the Scores business which grew 29% to $305 million. FICO was recognized by Gartner as a leader in the January 2026 Gartner Magic Quadrant for Decision Intelligence Platforms, positioned highest for ability to execute, demonstrating continued competitive strength and market leadership.

Competitive Landscape

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The largest competitors, including Atlassian and Cognizant, possess market caps close to FICO's $39.8B, indicating a competitive landscape among major software and technology firms. FICO's competitive moat stems from its industry-standard FICO Score and decades of predictive analytics expertise. Competitors include cloud platforms (Salesforce, Microsoft), business analytics vendors (Databricks), and specialized risk/compliance software providers.

Industry Context

Fair Isaac Corporation operates in Software & Analytics - Decision Management & Applied Analytics.

Key facts

Founded: 1956 · Headquarters: Bozeman, US · Revenue: $2.35B · Market cap: $39.8B

What the analysts stress-tested

The top findings that survived the multi-agent debate for Fair Isaac Corporation.

  • FICO announced partnership with Plaid to deliver next-generation UltraFICO Score combining reliability with real-time cash flow data, scheduled to launch in H1 2026
  • FICO Score 10T identifies 18% more defaulters while increasing approval volume by 5%, demonstrating enhanced predictive power and market acceptance
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026FICO recognized as Leader in 2026 Gartner Magic Quadrant for Decision Intelligence Platforms
  • January 2026Q1 FY2026 results exceeded expectations with 16% revenue growth and 22% non-GAAP net income growth
  • +1 moreTrack every material event for Fair Isaac Corporation as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

SalesforceCRM and enterprise analytics platform→DatabricksAI and data analytics platform→Microsoft AzureCloud and analytics solutions→CognizantIT services and analytics→

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Industry context

Fair Isaac Corporation operates in Software & Analytics - Decision Management & Applied Analytics. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Fair Isaac Corporation do?+
FICO transforms business by making every decision count through Decision Management solutions that combine trusted advice, world-class analytics and innovative applications. The company serves clients in 80 countries,...
What is Fair Isaac Corporation's Cyborg Score?+
Fair Isaac Corporation has a Cyborg Score of 8/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Fair Isaac Corporation's main competitors?+
Named competitors include Salesforce, Databricks, Microsoft Azure, Cognizant. The full competitive landscape is in the AskCyborg report.
How can I get the full Fair Isaac Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Fair Isaac Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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