Fair Isaac Corporation (FICO)

In the past six months, FICO's stock has experienced several notable events, including Q1 2026 earnings exceeding expectations, a stock decline after the FHFA announced that Fannie Mae and Freddie Mac would recognize VantageScore 4.0, and multiple sell transactions by the company's President and CEO. The stock's 52-week range has been between $1,284.30 and $2,217.60, with a closing price of $1391.00 as of February 6, 2026.

While specific detailed information on the seasonality of demand for FICO's products and services is not extensively detailed, historical stock performance analysis suggests some seasonal trends. A "Buy Date" of May 7 and a "Sell Date" of August 1 for FICO stock has historically resulted in a geometric average return of 7.19% above the S&P 500 Total Return Index. Shifts in consumer credit health, such as the drop in the average national FICO Score in February 2025 due to student loan delinquencies, could seasonally impact the demand for FICO's credit risk assessment and management solutions.

Fair Isaac Corporation (FICO) is an American data analytics software company specializing in improving operational decisions through predictive analytics and data science. FICO's major products and services include the FICO® Score, a standard measure of consumer credit risk, and the FICO® Platform, a modular software designed to support advanced analytic and decision use cases. FICO also provides pre-configured solutions for specific business needs like fraud detection, originations, customer communication, and customer management, alongside professional services. FICO's solutions are utilized across diverse industries, including financial services, insurance, telecommunications, retail, consumer branded goods, healthcare, and the public sector.

FICO maintains a significant global presence, serving businesses in over 80 countries and holding more than 200 U.S. and foreign patents. The Americas represent its largest geographic market, accounting for 80% of its total revenue in 2021. The company has offices throughout the world, including locations in the United States, Europe, and Asia.

FICO generally maintains a strong brand reputation as a pioneer and leader in predictive analytics and data science. However, the FHFA's decision to recognize VantageScore 4.0 for mortgage underwriting alongside FICO scores was seen as a potential threat to FICO's market dominance. Additionally, a coalition of senators and representatives urged President Biden to direct the DOJ to investigate FICO's pricing practices for credit reports. Despite these challenges, FICO continues to be recognized for its technological advancements, achieving a second-place ranking in the 2026 Gartner® Critical Capabilities for Decision Intelligence Platforms report.

Fair Isaac Corp. (FICO) has an ownership structure primarily dominated by institutional investors, ranging from approximately 86.85% to 87.71% of the company's stock. Major institutional owners include Vanguard Group Inc, BlackRock Inc, and State Street Corp. Insider ownership is around 2.67% to 5.67%. Sandell Asset Management Corp is noted as a significant individual shareholder, owning 2.87 million shares, representing 12.12% of the company.