Fair Isaac Corp. engages in the provision of decision management solutions. It operates through the Software and Scores segments. The Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process. The Scores segment focuses on business-to-business scoring solutions and services, business-to-consumer scoring solutions and services including myFICO solutions for consumers and associated professional services. The company was founded by Bill Fair and Earl Isaac in 1956 and is headquartered in San Jose, CA.

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.

FICO faces a competitor in VantageScore, which, along with FICO scores, will eventually be included in government conforming (that is, Fannie Mae and Freddie Mac) mortgages. 

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 software business has the potential for significant margin expansion.

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

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

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Fair Isaac

Why Robinhood?

About FICO

Fair Isaac Corp. engages in the provision of decision management solutions. It operates through the Software and Scores segments.

FICO Key Statistics

Analyst ratings

43%

Fair Isaac

Why Robinhood?

Fair Isaac Corp. engages in the provision of decision management solutions. It operates through the Software and Scores segments. Show more

FICO Key Statistics

Analyst ratings

43%

Fair Isaac Corp. engages in the provision of decision management solutions. It operates through the Software and Scores segments.