FICO
Licenses FICO Scores and decision software for lending, fraud and optimization.
Something off on this page? Send us feedback.
Profile
Licenses FICO Scores to lenders through credit bureaus and direct mortgage channels, sells myFICO subscriptions, and provides cloud and on-premises decision software for lending, fraud and optimization. Scores generate most revenue, while financial services and the Americas dominate the customer mix.
Produces the FICO Score for lenders and consumers through the Scores segment. Most business comes from financial services and the Americas; scores reach lenders mainly through Experian, TransUnion and Equifax, while myFICO sells credit monitoring directly to consumers.
Sells FICO Platform and related decision-management software through the Software segment. Decision Modeler and Blaze Advisor manage rules, Xpress Optimization supports resource allocation, and preconfigured products handle loan origination, customer management and fraud prevention. Revenue comes from SaaS and on-premises software plus professional services.
Moves software capabilities onto the modular cloud platform and embeds predictive models in high-volume workflows. The Mortgage Direct License Program gives resellers a route outside the national bureaus, but score economics remain tied to lending activity, distribution relationships and housing-agency rules for approved mortgage models.
Company facts
Categories
Key statistics
Year to date −29.8% · Average volume (30d) 334.9K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 12, 2026 | UBS | Reiterate | Neutral | $1,270 | $1,139 | |
| Aug 10, 2026 | Barclays | Reiterate | Overweight | $1,950 | $1,700 | |
| Aug 3, 2026 | Jefferies | Target | $1,700 | $1,675 | ||
| Aug 3, 2026 | Wolfe Research | Downgrade | Outperform | Peer Perform | ||
| Jul 30, 2026 | RBC Capital | Reiterate | Outperform | $1,525 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026Q3 FY26 | $11.76 | $12.18 | +3.6% | $679.2M | $674.2M | −0.7% | −17.01% |
| Apr 28, 2026Q2 FY26 | $10.89 | $12.50 | +14.8% | $630.2M | $691.7M | +9.8% | +3.27% |
| Jan 28, 2026Q1 FY26 | $7.08 | $7.33 | +3.5% | $501.3M | $512.0M | +2.1% | −1.57% |
| Nov 5, 2025Q4 FY25 | $7.32 | $7.74 | +5.7% | $513.3M | $515.8M | +0.5% | +2.80% |
Financial highlights
| 12 quarters | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $498.7M | $536.4M | $515.8M | $512.0M | $691.7M | $674.2M | |
| Gross profit | $411.1M | $448.8M | $424.6M | $424.7M | $600.5M | $587.2M | |
| Operating income | $245.6M | $262.5M | $237.2M | $234.0M | $402.5M | $362.6M | |
| Net income | $162.6M | $181.8M | $155.0M | $158.4M | $264.5M | $237.2M | |
| Diluted EPS | $6.59 | $7.40 | $6.42 | $6.61 | $11.14 | $10.45 | |
| Gross margin | 82.4% | 83.7% | 82.3% | 83.0% | 86.8% | 87.1% | |
| Operating margin | 49.3% | 48.9% | 46.0% | 45.7% | 58.2% | 53.8% |
Fiscal years (4-quarter sums)FY21 $1.32B · FY22 $1.38B · FY23 $1.51B · FY24 $1.72B · FY25 $1.99B
Revenue by product · Q3 FY26
Revenue by geography · Q3 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $248.4M · Total debt $5.60B · Total assets $2.04B · Shareholders' equity −$4.10B
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 21.60M · Float 20.93M · 96.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 2.09M | 9.66% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 1.48M | 6.84% | 13F | Aug 13, 2026 |
| Capital Research Global Investors | 1.30M | 6.00% | 13F | Aug 12, 2026 |
| Vanguard Portfolio Management LLC | 1.26M | 5.81% | 13F | Aug 13, 2026 |
| Capital International Investors | 1.25M | 5.78% | 13F | Aug 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 29, 2026 | Eva Manolis | director | −967 | $1,400.00 |
| Feb 25, 2026 | Eva Manolis | director | −520 | $1,227.63 |
| Feb 13, 2026 | Joanna Rees | director | −358 | $1,360.00 |
| Dec 17, 2025 | Steven P. Weber | officer: Executive Vice President & CFO | −1,426 | $1,810.00 |
| Dec 12, 2025 | Eva Manolis | director | −521 | $1,825.83 |
Peers
- Equifax
Co-owns VantageScore; rivals FICO on scoring, origination, fraud, and marketing.
- TransUnion
VantageScore co-owner; offers 99¢ mortgage scores vs. FICO's $10 price.
- Pegasystems
BPM-native decisioning rival named in fraud, marketing, and decision platform.
- NiCE (ADR)
Parent of Nice Actimize — FICO's first-named banking fraud-solutions rival.
- ACI Worldwide
Payment fraud specialist named as a primary banking fraud-solutions competitor.
- Moody's
Moody's Analytics rivals FICO in origination and enterprise credit risk scoring.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FICO | $1,150.14 | −0.31% | $24.91B | 33.3 | 22.8 | 10.4 | +25.7% |
| Equifax | $179.34 | −7.65% | $22.83B | 34.2 | 21.2 | 3.5 | +10.6% |
| TransUnion | $84.99 | −0.81% | $16.41B | 22.6 | 16.6 | 3.4 | +14.9% |
| Pegasystems | $35.00 | −3.26% | $5.95B | 20.4 | 14.0 | 3.4 | +9.4% |
| NiCE (ADR) | $108.17 | −0.68% | $6.38B | 15.8 | 9.2 | 2.0 | +7.7% |
| ACI Worldwide | $53.67 | −0.33% | $5.47B | 24.7 | 20.6 | 3.0 | +7.3% |
| Moody's | $519.27 | +0.84% | $89.19B | 32.7 | 28.9 | 10.9 | +15.1% |
| Median | 23.6 | 18.6 | 3.4 | +10.0% |