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FICO.NYSE
Fair Isaac
Information Technology · Application Software
Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software.MoreShow less
HQ: United StatesListed: United States

Profile & Fundamentals

Fair Isaac (FICO.NYSE) Profile & Fundamentals

Review Fair Isaac reported earnings, valuation, balance sheet and ownership, with source tables and separate AI assessments.

Interactive annual chartsAI financial reviewsReported source tables
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Profile & Fundamentals contents

Company and Market Context

Fair Isaac: Company Profile & Ownership

Fair Isaac Corporation provides analytics software in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Scores segment offers business-to-business scoring solutions and services that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Its Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. In addition, the company offers analytic and decisioning software comprising FICO Decision Modeler, FICO Blaze Advisor, FICO Xpress Optimization, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Business Outcome Simulator, and FICO Decision Optimizer; pre-configured solutions consisting of FICO Fraud Solutions, FICO Originations, FICO Customer Communication Service, FICO Strategy Director, and FICO TRIAD Customer Manager; and professional services software, including FICO Implementation Services and FICO Analytic Services. It markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.

FICO.NYSE

Company profile record

Fair Isaac Corporation

Common Stock · Information Technology · Application Software

Official website

Company

Company / asset
Fair Isaac Corporation
Security type
Common Stock
Sector
Information Technology
Industry
Application Software
HQ
🇺🇸 United States
Head office
5 West Mendenhall, Bozeman, MT, United States, 59715

Leadership & scale

Chief executive
Mr. William J. Lansing J.D.
CEO year born
1958
Full-time employees
3.9K
Fiscal year end
September
IPO date
1987-07-22

Fundamentals snapshot

Updated 2026-11-01
Market Cap
USD 15.2B
P/E
18.2x
Revenue (Q3 26)
USD 657.0M
Profit (Q3 26)
USD 175.0M
Dividend Yield
--
Revenue (FY 26)
USD 2.5B
Shares in public float
20.9M
Insider ownership
3.02%

Reporting & identifiers

Symbol
FICO.NYSE
Listing
🇺🇸 United States | Dividend Tax: 30%
Ticker Currency
USD
Income Statement Currency
USD
Balance Sheet Currency
USD
Cash Flow Currency
USD
EPS Currency
USD
Contract Type
SPOT
ISIN
US3032501047
Asset ID
equity_1e351718-edfb-5dde-93d9-2219503d35d1

Fair Isaac: Ownership

Shares Outstanding

Latest: 21.6M | Max: 31.6M | Min: 21.6M

Shares Outstanding
39.8M29.8M19.9M9.9M0.00
21.6M
'17
'19
'21
'23
'25
'26

Latest reported ownership snapshot

Float Shares

96.93%

20.9M latest reported shares

Insider Ownership

3.02%

Latest reported insider stake

Short Float

0.14%

Latest reported short interest / float

Top Holders

Top 5 concentration: 34.09%
BlackRock Inc
institution
Filed 2026-06-30 • Change -101.7K (-4.65%)
9.66%(2.1M shares)
Vanguard Capital Management, LLC
institution
Filed 2026-06-30 • Change -25.1K (-1.67%)
6.84%(1.5M shares)
Capital Research Global Investors
institution
Filed 2026-06-30 • Change +177.4K (+15.85%)
6.00%(1.3M shares)
Vanguard Portfolio Management, LLC
institution
Filed 2026-06-30 • Change -384.0 (-0.03%)
5.81%(1.3M shares)
Capital Research & Mgmt Co - Division 3
institution
Filed 2026-06-30 • Change +538.6K (+75.95%)
5.78%(1.2M shares)
State Street Corp
institution
Filed 2026-06-30 • Change +11.0K (+1.05%)
4.88%(1.1M shares)
American Funds AMCAP A
fund
Filed 2026-09-30 • Change -61.2K (-6.26%)
4.24%(916.3K shares)
Source tablesView ownership tables

Shares Outstanding

Annual reported shares outstanding; up to 10 reporting dates.

Scroll the table to see every column.

Shares outstanding — reported values
Reporting dateShares outstanding
2017-01-0131,561,000
2018-01-0130,336,000
2019-01-0130,169,000
2020-01-0129,789,000
2021-01-0127,524,000
2022-01-0125,443,000
2023-01-0125,219,000
2024-01-0124,827,000
2025-01-0123,958,000
2026-01-0121,559,000

Top Holders

Available reported ownership records.

Scroll the table to see every column.

Largest reported holders
HolderSharesOwnershipReported date
BlackRock Inc2,085,3369.66%2026-06-30
Vanguard Capital Management, LLC1,477,3226.84%2026-06-30
Capital Research Global Investors1,296,8936%2026-06-30
Vanguard Portfolio Management, LLC1,255,1045.81%2026-06-30
Capital Research & Mgmt Co - Division 31,247,6855.78%2026-06-30
State Street Corp1,054,4954.88%2026-06-30
American Funds AMCAP A916,3334.24%2026-09-30
Geode Capital Management, LLC731,7823.39%2026-06-30
Capital World Investors715,9873.32%2026-06-30
Valley Forge Capital Management, LP672,1863.11%2026-06-30
Vanguard MStar Total Stk Mkt Idx Invest650,9853.01%2026-09-30
Morgan Stanley - Brokerage Accounts579,6822.68%2026-06-30
Vanguard 500 Index Investor566,0622.62%2026-09-30
American Funds Growth Fd of Amer A507,5152.35%2026-09-30
Vanguard MStar Mid Cap Index Instl439,3512.03%2026-09-30

Fair Isaac: Earnings, Profitability & Valuation

Latest Financials Filed On

Earnings & Revenue

Earnings and Revenue Trajectory

AI Review

The company's recent financial results show impressive top-line growth, with trailing twelve-month revenue reaching $2.39 billion and free cash flow approaching $1.0 billion. This financial expansion was driven largely by significant wholesale price increases on mortgage credit scores, which flowed almost directly to operating profit with minimal incremental costs. However, these headline numbers conceal an important underlying dynamic. While revenue expanded rapidly, transaction volumes across mortgage originations grew only modestly. With housing regulators now challenging aggressive fee escalation, future earnings growth cannot rely solely on price increases and must increasingly depend on the rapid expansion of enterprise cloud software.

Revenue, Net Income, and Free Cash Flow

Latest: USD 2.5B | Max: USD 2.5B | Min: USD 128.3M

RevenueFree Cash FlowNet Income
USD 3.2BUSD 2.4BUSD 1.6BUSD 798.5MUSD 0.00
2.5B
1.1B
835.0M
'17
'19
'21
'23
'25
'26

Valuation

P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.

Latest: 55x

>100x80x53x27x0x
28x
51x
55x
'21'23'25

Profitability & Margins

Margins and Operating Efficiency

AI Review

Operating profitability reached exceptional levels over recent periods, with gross margins climbing to 82.2% and operating margins exceeding 46.5%. This dramatic widening reflected pure operating leverage in the scoring segment, where delivering algorithmic queries incurs practically zero marginal distribution cost. Looking forward, this peak margin level faces natural stabilization. Increased pricing competition in conforming mortgages and the growing proportion of cloud software revenue—which carries necessary hosting and implementation expenses—will moderate consolidated operating margins, though they are expected to remain highly profitable above forty percent.

Profitability Margins

Latest: 86.1% | Max: 86.1% | Min: 13.8%

Gross MarginOperating MarginNet Margin
108.5%81.4%54.3%27.1%0.0%
86.1%
49.9%
32.9%
'17
'19
'21
'23
'25
'26

Latest Profitability Ratios as of 2026-09-30

Gross Margin

86.1%

Gross profit / revenue

Operating Margin

49.9%

Operating income / revenue

Net Margin

32.9%

Net income / revenue

FCF Margin

42.2%

Free cash flow / revenue

Source tablesView earnings, profitability & valuation tables

Revenue, Net Income, and Free Cash Flow

Annual reported results, using the source statement's recorded USD conversion. Up to 10 reporting periods; missing values are not estimated.

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Annual earnings and cash flow
Period endRevenue (USD)Net income (USD)Free cash flow (USD)
2017-09-30932,169,000128,256,000205,816,000
2018-09-301,032,475,000142,415,000191,753,000
2019-09-301,160,083,000192,124,000236,369,000
2020-09-301,294,562,000236,411,000342,927,000
2021-09-301,316,536,000392,084,000416,248,000
2022-09-301,377,270,000373,541,000503,421,000
2023-09-301,513,557,000429,375,000464,678,000
2024-09-301,717,526,000512,811,000607,413,000
2025-09-301,990,869,000651,946,000769,885,000
2026-09-302,534,873,000834,967,0001,069,925,000

Published P/E Ratio

Published valuation snapshots retain each observation's earnings basis.

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Published valuation snapshots
Period endP/E (times earnings)Earnings basis
2025-09-3055Trailing four quarters
2024-09-3094.1Trailing four quarters
2023-09-3051Trailing four quarters
2022-09-3028.1Annual net income
2021-09-3027.9Annual net income

Profitability Margins

Matching annual reporting dates. Values are percentages.

Scroll the table to see every column.

Annual profitability margins
Period endGross margin (%)Operating margin (%)Net margin (%)Free cash flow margin (%)
2017-09-3069.219.5413.7622.08
2018-09-3069.9116.9813.7918.57
2019-09-3070.9621.8616.5620.38
2020-09-3072.122.8618.2626.49
2021-09-3074.7538.429.7831.62
2022-09-3078.0639.3827.1236.55
2023-09-3079.4542.4728.3730.7
2024-09-3079.7342.7129.8635.37
2025-09-3082.2346.4532.7538.67
2026-09-3086.1349.9332.9442.21

Public data excerpt created by iPulse AI and published by Future Edge Group FZE. Snapshot retrieved 2026-11-03.

Use is subject to the iPulse AI Terms of Service and applicable source rights. Missing inputs are not estimated. Full access includes the remaining records, research and interactive tools.

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