Fair Isaac Corporation (FICO)

FICO's stock price has experienced fluctuations in the past six months. Key events impacting the stock price include regulatory and competitive concerns, analyst ratings and outlook, a stock repurchase authorization, and insider selling. In May 2025, FICO's stock slumped significantly after FHFA Director Bill Pulte made critical comments regarding recent FICO price increases and announced a review of the need for three separate credit reports for mortgage applications. Some analysts have maintained a positive outlook, with BofA Securities reiterating a "buy" rating and BMO Capital initiating coverage with an "Outperform" recommendation. Fair Isaac's board authorized a $1 billion stock repurchase. Conversely, insiders have sold nearly $45 million in stock over the past three months.

Information directly detailing the demand seasonality for Fair Isaac Corp.'s products and services is not explicitly available. Credit card spending can be influenced by seasonal consumer spending habits. Changes in consumer credit behavior directly impact the data that FICO processes for its scores. The mortgage market can experience seasonal fluctuations in activity. The demand for FICO's software and analytics solutions might be influenced by business investment cycles and the ongoing need for digital transformation and risk management.

Fair Isaac Corporation (FICO) is an American data analytics company specializing in credit scoring services and decision management solutions, best known for its FICO Score. The company operates primarily in the Software sector and the Financial Publishing/Services industry. FICO's major products and services are categorized into Scores and Software segments. The Scores segment provides B2B and B2C scoring solutions, including the FICO Score, distributed through major consumer reporting agencies. The Software segment offers pre-configured analytic and decision management solutions for various business problems, including the FICO Platform and FICO Blaze Advisor.

Fair Isaac Corp. has a global presence with offices in 45 locations worldwide, primarily in the United States, Europe, and Asia. The Americas represent the largest market at 84.4% of total revenue, followed by Europe/Middle East/Africa (9.9%) and Asia/Pacific (5.7%). FICO provides software solutions to business customers in over 80 countries.

FICO maintains a strong brand reputation, particularly for its FICO Score. The company's FICO Platform has also received positive industry recognition. Events that have affected FICO's reputation in the past year primarily revolve around regulatory scrutiny and competitive challenges. In March 2024, U.S. Senator Josh Hawley urged the Department of Justice to open an antitrust investigation into FICO. The Federal Housing Finance Agency's (FHFA) decision to allow Fannie Mae and Freddie Mac to use VantageScore 4.0 as an alternative to FICO in mortgage originations has put pressure on FICO's near-monopoly in this sector. The national average FICO Score decreased by one point to 717 in October 2023, the first decrease in a decade.

Fair Isaac Corp. has a mixed ownership structure, with a significant portion held by institutional investors. Institutions hold a substantial majority of FICO's shares. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., State Street Corp, Price T Rowe Associates Inc /md/, and Jpmorgan Chase & Co. Individual investors hold a smaller percentage of the company's stock. Sandell Asset Management Corp is noted as a significant individual shareholder. The CEO, William Lansing, directly holds 1.5% of the total shares outstanding.