Fair Isaac Corporation Overview
Pro stress-test →FICO powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. Using FICO solutions, businesses in more than 80 countries protect four billion payment cards from fraud, improve financial inclusion, and increase supply chain resiliency.
Strategic Profile
Pro stress-test →The FICO Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries. Strong performance is attributed to robust demand for FICO's analytics and decision management solutions, particularly in the mortgage origination sector. In June 2026, the Board approved a $2.0 billion stock repurchase program, and the company drew a $1.5 billion incremental term loan.
Competitive Landscape
Pro stress-test →FICO dominates consumer credit scoring with its flagship FICO Score used by 90% of top U.S. lenders. Competitors include Equifax and Experian in credit bureaus, which offer alternative scoring models (VantageScore, Clarity). In decision management and analytics software, FICO competes with SAS, IBM Analytics, and SAP. FICO's competitive moat rests on regulatory entrenchment, network effects, and decades of model refinement.
Industry Context
Fair Isaac Corporation operates in Credit scoring and decisioning software.
Key facts
Founded: 1956 · Headquarters: Bozeman, US · Employees: N/A · Revenue: $692M (Q2 FY2026); $2.45B guidance (full year) · Market cap: N/A