Fair Isaac Corporation (FICO)

In the past six months, FICO reported strong fiscal Q2 2026 results with a 39% year-over-year revenue increase, driven by the Scores segment. This led to raised full-year FY2026 guidance. Earlier in Q1 2026, FICO reported adjusted EPS of $12.50, beating consensus estimates. Despite these strong performances, the stock has experienced volatility and was down 37.6% since the beginning of the year as of April 30, 2026. Analyst ratings have varied, and the approval of VantageScore 4.0 for GSE mortgages was noted as a potential challenge.

While detailed information on demand seasonality is limited, FICO's revenue model includes usage-based fees for Scores products and recurring subscription fees for Software products. Historical stock data suggests July has the highest probability of positive returns. General trends in consumer credit behavior, influenced by factors like inflation and student loan repayments, can impact FICO scores and the demand for FICO's credit risk assessment tools.

Fair Isaac Corp. (FICO) is a data analytics company known for credit scoring services and decision management software, operating in the Technology sector under the Software - Application industry. Its core business provides analytic, software, and data management products and services. The company's major products and services are divided into Scores and Software segments. The Scores segment provides B2B and B2C scoring solutions, including the FICO Score, a measure of consumer credit risk. The Software segment offers decision management solutions for marketing, account origination, customer management, fraud detection, and collections, utilizing the FICO Platform and other analytic software.

FICO has a global presence, serving clients across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. Its corporate headquarters are in Bozeman, Montana, USA. In the Americas, FICO has multiple US locations and operations in Brazil, Canada, Chile, and Mexico. In Asia Pacific, FICO operates in countries including Australia, China, India, Japan, and Singapore. In Europe, Middle East & Africa, FICO operates in countries such as Denmark, France, Germany, and the United Kingdom. FICO serves over 3,000 financial institutions across more than 100 countries.

FICO has a strong brand reputation, particularly for its FICO Score, recognized as the industry standard for assessing consumer credit risk in the U.S. Its solutions are trusted by many financial institutions. The FHFA approval of VantageScore 4.0 for GSE mortgages in July 2025 could impact FICO's reputation, but FICO's Score 10T was confirmed as the most predictive credit model in an independent study.

Fair Isaac Corp. has significant institutional ownership, with 948 institutional owners and shareholders holding a total of 21,093,433 shares, estimated at approximately 85.75% or 89.17% of outstanding shares. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., and State Street Corp. Sandell Asset Management Corp is a significant individual shareholder, owning 2.87 million shares, representing 12.39% of the company.