Fair Isaac Corporation (FICO)

In the past six months, Fair Isaac Corp.'s stock has trended down by 44.61%, hitting a 52-week low. A Senate investigation into FICO's pricing practices initiated by Senator Josh Hawley has been cited as a catalyst for stock sell-offs. Several financial institutions have adjusted their outlook on FICO, including JPMorgan, Barclays and Goldman Sachs. Fair Isaac released its Q1 2026 earnings on January 28, 2026 and Q4 2025 earnings on November 5, 2025.

While specific seasonal peaks and troughs are not explicitly detailed, the demand for FICO's offerings can be influenced by broader economic conditions. Economic struggles can lead to softened demand, while strong demand in sectors like mortgage and auto can drive revenue growth. The company's shift to cloud-delivered solutions and partnerships with large financial institutions are also noted as drivers of regional growth.

Fair Isaac Corporation (FICO) is an American data analytics company specializing in credit scoring services, founded in 1956. FICO operates in the Software and Data Analytics sectors, serving industries including financial services, healthcare, insurance, automotive, public sector, retail, pharmaceuticals, telecom, travel, media, high-tech, and utilities. FICO's major products and services are categorized into Scores and Software. The Scores segment provides business-to-business and business-to-consumer scoring solutions. The Software segment offers pre-configured decision management solutions and includes the FICO Platform. Key products include the FICO® Score, Falcon, and Triad.

FICO operates in over 100 countries globally, with the Americas representing the primary revenue source. The U.S. is FICO's most mature market due to the integration of FICO scores in the mortgage market and consumer lending regulation. The EMEA and Asia-Pacific regions are strategic expansion areas, driven by digitization and regulatory demand. In markets like India and Brazil, FICO localizes scores and partners with domestic credit bureaus.

Fair Isaac Corp.'s brand reputation has been significantly impacted by a Senate investigation into its pricing practices and alleged anti-competitive behavior. Senator Josh Hawley has called for an investigation into FICO, alleging that the company has abused its market power by raising prices for its credit scores. This scrutiny and the associated allegations of monopolistic practices have created negative sentiment around FICO's brand.

Fair Isaac Corporation's ownership structure is primarily composed of institutional investors, with approximately 87.69% of the company's stock held by them. Insiders own about 2.69%, and public companies and individual investors hold around 9.62%. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., and State Street Corp.