Fair Isaac Corporation Website

Fair Isaac Corporation

NYSE-FICO

Company Overview

Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides 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. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation 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.

  • Name

    Fair Isaac Corporation

  • CEO

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  • Website

    www.fico.com

  • Sector

    Software

  • Year Founded

    1956

Company Statistics

Profile

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Bulls Say

  • FICO scores are an industry standard, and the firm has a long runway to increase prices given they are a small cost but are critical for lenders.

  • Fair Isaac has shown great capital allocation by having optimal leverage, repurchasing shares, and avoiding pricey and distracting acquisitions.

  • The FHFA decision to allow VantageScore is mostly just noise and FICO's market share will be largely unaffected.

Bears Say

  • Fair Isaac trades at a large premium to the credit bureaus and market overall, which could result in the stock seeing an outsize drop during a decline in sentiment.

  • Fair Isaac’s market-leading position and pricing actions may result in antitrust scrutiny. Even if scrutiny is without merit, this produces headline risk in the stock.

  • The FHFA decision to allow VantageScore for government conforming mortgages will alter its pricing strategy and could result in VantageScore gaining traction both in mortgage and nonmortgage markets.

Source: Morningstar Analysis - Nov 17, 2025

What's happening

Nov 18, 2025 - Dec 18, 2025

Fair Isaac Corp Navigates Mixed Market Sentiment with Strategic Moves

  • RBC Capital's price target increase for FICO signals analyst confidence.
  • Insider stock purchases reflect executive optimism about the company's future.
  • Partnership with Plaid aims to innovate credit scoring through real-time data integration.

Over the past month, Fair Isaac Corp (FICO) saw a modest stock price increase of 1.7%. This performance slightly lagged behind the S&P 500's return of 2.0%, indicating an underperformance of -0.3% relative to the broader market. The mixed investor sentiment surrounding FICO was influenced by various factors, including significant bullish movements driven by insider acquisitions and favorable analyst ratings.

On December 5th, RBC Capital analyst Ashish Sabadra raised his price target for FICO from $2,170 to $2,400 while maintaining an Outperform rating on the stock. This upgrade likely enhanced investor confidence and positively impacted FICO’s performance during this period. Additionally, notable insider activity indicated strong executive belief in the company’s prospects; key executives made substantial stock purchases shortly before December 12th.

Despite these positive developments, not all news was favorable for FICO during this timeframe. On November 24th, shares declined by 2.1%, attributed partly to concerns over its lower-than-average price-to-earnings (P/E) ratio compared to industry standards—suggesting potential undervaluation or subdued growth expectations among shareholders despite earlier positive indicators in the month.

The partnership announced on November 20th with Plaid aimed at enhancing consumer credit assessments through real-time financial data integration into their UltraFICO Score product provided additional momentum for investors interested in innovative fintech solutions related to credit scoring systems.

Fair Isaac Corp outperformed the Information Technology (XLK) sector by approximately 52.5%.

NYSE:FICO