Fair Isaac Corporation (FICO)

FICO's stock price has experienced notable movements in the past six months. As of October 3, 2025, the stock has trended up by 2.75% over this period, though it was down 4.41% over the past year. On October 2, 2025, FICO's stock soared following the announcement of its new "FICO Mortgage Direct License Program." On July 16, 2025, FICO shares fell after the FHFA announced that Fannie Mae and Freddie Mac would recognize VantageScore 4.0 alongside traditional FICO scores for mortgage underwriting.

While explicit information on the seasonality of demand for FICO's products and services is not directly available, the company's performance is closely tied to the broader lending and economic environment. Demand for FICO's products and services can be influenced by cyclical factors such as interest rate changes and overall economic conditions that impact consumer borrowing and lending volumes. Demand is more responsive to economic cycles and market conditions rather than strict calendar-based seasonality.

Fair Isaac Corp. (FICO) is an American data analytics company known for credit scoring services and decision management solutions. FICO's core business revolves around providing analytics software and decision management solutions that enable businesses to automate, improve, and connect decisions. Its most recognized product is the FICO Score, a widely used consumer credit scoring system. Beyond the FICO Score, the company offers a comprehensive portfolio of products and services, including the FICO Platform, Fraud Management Solutions, Credit Risk Management, Customer Management Solutions, and other software and applications. FICO's solutions serve a diverse range of industries, including financial services, healthcare, insurance, automotive, retail, telecommunications, and government agencies.

FICO is headquartered in Bozeman, Montana, USA, with additional U.S. offices in California, Minnesota, Texas, and Virginia. The company has a significant international presence, operating in over 80 to 120 countries across the Americas, Europe, Asia-Pacific, the Middle East, and Africa. Its global offices are located in countries such as Australia, Brazil, Canada, China, Germany, India, Italy, Japan, South Korea, Lithuania, Malaysia, the Philippines, Poland, Russia, Singapore, South Africa, Spain, Taiwan, Thailand, Turkey, and the United Kingdom.

FICO has maintained a strong brand reputation, particularly in the analytics and decisioning space. FICO has received industry recognition as a leader in AI decisioning platforms and enterprise fraud solutions. The company has also been recognized for its outstanding workplace culture in Brazil and as one of America's Greatest Workplaces for Gen Z. FICO has faced scrutiny regarding potential anti-competitive practices, including an antitrust investigation by the DOJ and concerns raised by US Senator Josh Hawley. The new "FICO Mortgage Direct License Program" drew mixed reviews, with credit bureaus criticizing the program. A report in September 2025 indicated that the national average FICO score declined for the second consecutive year.

Fair Isaac Corp. (FICO) is predominantly owned by institutional shareholders, who hold approximately 87% to 88.19% of the company's stock. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., State Street Corp, Price T Rowe Associates Inc /md/, and Valley Forge Advisors, LLC. Individual investors, including company insiders, also hold a portion of the stock. Sandell Asset Management Corp is noted as a significant individual shareholder, and CEO William Lansing directly holds 1.5% of the total shares outstanding.