Fair Isaac Corporation (FICO)

Over the past six months, FICO's stock price has experienced fluctuations. As of June 27, 2025, the share price was $1,816.26, an increase of 0.63% from the prior week. The stock was up 20.77% over the past 30 days and 23.53% over the past 12 months as of June 27, 2025. However, the stock reached its all-time high on November 12, 2024, at $2,402.52. In May 2025, FICO's stock experienced a significant drop due to concerns raised by Federal Housing Finance Agency Director Bill Pulte. In May 2025, FICO announced a strategic partnership with Amazon Web Services (AWS) and introduced FICO Marketplace. In June 2025, FICO partnered with MI New York to promote financial literacy. FICO announced the launch of FICO® Score 10 BNPL and FICO® Score 10 T BNPL, which will incorporate Buy Now, Pay Later (BNPL) data, set to launch in Fall 2025. On June 19, 2025, FICO announced a new stock repurchase program, authorizing the company to repurchase up to $1 billion of its outstanding common stock. FICO reported strong financial performance in fiscal year 2024, with record annual revenues of $1.72 billion and GAAP net income of $513 million. In Q2 2025, total revenue increased by 15% year-over-year to $498.7 million.

Demand for FICO's products and services, particularly within the credit card market, shows some seasonality. Credit card spending typically increases over the spring and summer months, peaking in September, following a post-Christmas dip. This seasonality influences measures such as the percentage of customers using credit cards for cash withdrawals, which also tends to increase during these periods. FICO's earnings calls have also noted seasonal usage patterns, particularly in non-platform Annual Recurring Revenue (ARR).

Fair Isaac Corporation (FICO) is an American data analytics company specializing in predictive analytics and data science to enhance operational decisions for businesses. Founded in 1956, FICO is widely recognized for its FICO Score, a standard measure of consumer credit risk in the United States and over 40 other countries. FICO operates primarily in the financial services sector, which accounted for 92% of its total revenue in fiscal year 2024. Its core business areas include credit scoring and a suite of software solutions. The Scores Segment provides business-to-business and business-to-consumer scoring solutions, with FICO holding a 90% market share in credit scoring in the United States. The Software Segment offers pre-configured analytic and decision management solutions for various business needs, including the FICO Platform, Falcon, UltraFICO, and TRIAD. FICO serves a diverse range of industries beyond financial services, including healthcare, insurance, automotive, public sector, retail, pharmaceuticals, telecommunications, travel and hospitality, media and entertainment, high tech, and utilities.

FICO has a global presence with offices throughout the world, serving businesses in over 80 countries. The Americas represent its largest geographic market, accounting for 84% of its total revenue in fiscal year 2024. The company has also been actively expanding its global footprint, recently opening new offices in key markets such as Asia and Europe.

FICO maintains a strong brand reputation, particularly in the financial services industry, where its FICO Score is a widely recognized standard for credit risk assessment. The company's brand value is estimated at $1.2 billion, with recognition across 87 countries. In the past year, FICO has received positive industry recognition for its Software Business. The FICO® Platform was recognized for innovation in the 2024 IDC MarketScape for Worldwide Decision Intelligence Platforms. FICO was also ranked as a top 10 company in the Chartis Research RiskTech100® 2025 and named a Category Leader in both the Chartis Risktech Quadrant® for Enterprise Fraud Solutions and Payment Fraud Solutions in 2024. Additionally, the FICO Platform was included in the 2024 Gartner® Market Guide for Decision Intelligence Platforms and won the Data Breakthrough Awards "Business Intelligence Platform of the Year." Concerns raised by the Federal Housing Finance Agency Director in May 2025 regarding FICO's pricing and support for more cost-effective credit evaluation options could potentially affect FICO's reputation.

Fair Isaac (NYSE: FICO) is primarily owned by institutional shareholders, who hold approximately 85.87% of the company's stock. Insiders own about 21.15%, and retail investors hold 0.00%. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., State Street Corp., Price T Rowe Associates Inc /md/, Valley Forge Capital Management LP (also listed as Valley Forge Advisors, LLC), Geode Capital Management LLC, JPMorgan Chase & Co., and Morgan Stanley. Sandell Asset Management Corp is noted as the largest individual Fair Isaac shareholder, owning 2.87 million shares, representing 11.81% of the company. Larry Rosenberger is another significant insider owner.