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.
Profile & Fundamentals
Fair Isaac: Company identity, ownership, reported financial performance, balance sheets, and corporate actions.
Profile & Fundamentals
Fair Isaac Profile & Fundamentals
Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.
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Company and Market Context
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.
Company profile record
Fair Isaac Corporation
Common Stock · Information Technology · Application Software
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
- Market Cap
- USD 15.8B
- P/E
- 19.4x
- Revenue (Q2 26)
- USD 674.2M
- Profit (Q2 26)
- USD 237.2M
- Dividend Yield
- --
- Revenue (FY 25)
- USD 2.0B
- 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
Ownership
Shares Outstanding
Latest: 22.7M | Max: 31.6M | Min: 22.7M
Latest reported ownership snapshot
As of Oct 1, 2026Float Shares
92.04%
20.9M latest reported shares
Insider Ownership
3.02%
Latest reported insider stake
Short Float
0.11%
Latest reported short interest / float
Top Holders
Source tablesView ownership tables
Shares Outstanding
Annual reported shares outstanding; up to 10 reporting dates.
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| Reporting date | Shares outstanding |
|---|---|
| 2017-01-01 | 31,561,000 |
| 2018-01-01 | 30,336,000 |
| 2019-01-01 | 30,169,000 |
| 2020-01-01 | 29,789,000 |
| 2021-01-01 | 27,524,000 |
| 2022-01-01 | 25,443,000 |
| 2023-01-01 | 25,219,000 |
| 2024-01-01 | 24,827,000 |
| 2025-01-01 | 23,958,000 |
| 2026-01-01 | 22,703,000 |
Top Holders
Available reported ownership records.
Scroll the table to see every column.
| Holder | Shares | Ownership | Reported date |
|---|---|---|---|
| BlackRock Inc | 2,186,987 | 10.13% | 2026-03-31 |
| Vanguard Capital Management, LLC | 1,502,394 | 6.96% | 2026-03-31 |
| Capital Research Global Investors | 1,296,893 | 6.01% | 2026-06-30 |
| Vanguard Portfolio Management, LLC | 1,255,488 | 5.81% | 2026-03-31 |
| Capital Research & Mgmt Co - Division 3 | 1,247,685 | 5.78% | 2026-06-30 |
| State Street Corp | 1,043,493 | 4.83% | 2026-03-31 |
| American Funds AMCAP A | 977,495 | 4.53% | 2026-06-30 |
| American Funds Growth Fd of Amer A | 858,017 | 3.97% | 2026-06-30 |
| Geode Capital Management, LLC | 737,455 | 3.41% | 2026-03-31 |
| Capital World Investors | 715,987 | 3.32% | 2026-06-30 |
| Vanguard MStar Total Stk Mkt Idx Invest | 700,047 | 3.24% | 2026-08-31 |
| Valley Forge Capital Management, LP | 672,186 | 3.11% | 2026-06-30 |
| Vanguard 500 Index Investor | 616,492 | 2.85% | 2026-08-31 |
| Morgan Stanley - Brokerage Accounts | 604,697 | 2.8% | 2026-03-31 |
| Edgewood Management LLC | 537,515 | 2.49% | 2026-03-31 |
Earnings, Profitability & Valuation
Earnings, Profitability & Valuation
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.
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 2.0B | Max: USD 2.0B | Min: USD 109.4M
Valuation
P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.
Latest: 55x
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.
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: 82.2% | Max: 82.2% | Min: 12.4%
Latest Profitability Ratios as of 2025-09-30
Gross Margin
82.2%
Gross profit / revenue
Operating Margin
46.5%
Operating income / revenue
Net Margin
32.7%
Net income / revenue
FCF Margin
38.7%
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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| Period end | Revenue (USD) | Net income (USD) | Free cash flow (USD) |
|---|---|---|---|
| 2016-09-30 | 881,356,000 | 109,448,000 | 188,299,000 |
| 2017-09-30 | 932,169,000 | 128,256,000 | 205,816,000 |
| 2018-09-30 | 1,032,475,000 | 142,415,000 | 191,753,000 |
| 2019-09-30 | 1,160,083,000 | 192,124,000 | 236,369,000 |
| 2020-09-30 | 1,294,562,000 | 236,411,000 | 342,927,000 |
| 2021-09-30 | 1,316,536,000 | 392,084,000 | 416,248,000 |
| 2022-09-30 | 1,377,270,000 | 373,541,000 | 503,421,000 |
| 2023-09-30 | 1,513,557,000 | 429,375,000 | 464,678,000 |
| 2024-09-30 | 1,717,526,000 | 512,811,000 | 607,413,000 |
| 2025-09-30 | 1,990,869,000 | 651,946,000 | 769,885,000 |
Published P/E Ratio
Published valuation snapshots retain each observation's earnings basis.
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| Period end | P/E (times earnings) | Earnings basis |
|---|---|---|
| 2025-09-30 | 55 | Trailing four quarters |
| 2024-09-30 | 94.09 | Trailing four quarters |
| 2023-09-30 | 51.01 | Trailing four quarters |
| 2022-09-30 | 28.06 | Annual net income |
| 2021-09-30 | 27.93 | Annual net income |
Profitability Margins
Matching annual reporting dates. Values are percentages.
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| Period end | Gross margin (%) | Operating margin (%) | Net margin (%) | Free cash flow margin (%) |
|---|---|---|---|---|
| 2016-09-30 | 69.91 | 19.24 | 12.42 | 21.36 |
| 2017-09-30 | 69.2 | 19.54 | 13.76 | 22.08 |
| 2018-09-30 | 69.91 | 16.98 | 13.79 | 18.57 |
| 2019-09-30 | 70.96 | 21.86 | 16.56 | 20.38 |
| 2020-09-30 | 72.1 | 22.86 | 18.26 | 26.49 |
| 2021-09-30 | 74.75 | 38.4 | 29.78 | 31.62 |
| 2022-09-30 | 78.06 | 39.38 | 27.12 | 36.55 |
| 2023-09-30 | 79.45 | 42.47 | 28.37 | 30.7 |
| 2024-09-30 | 79.73 | 42.71 | 29.86 | 35.37 |
| 2025-09-30 | 82.23 | 46.45 | 32.75 | 38.67 |
Public data excerpt created by iPulse AI and published by Future Edge Group FZE. Source: eodhd. Snapshot retrieved 2026-09-29.
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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