Fair Isaac(NYSE) FICO

Fair Isaac Corporation helps businesses use data to make decisions. Its tools calculate credit scores for people seeking loans. The company also provides software to catch fraud and manage customers.

What Does Fair Isaac Do?

• Scores: Scoring solutions for businesses and consumers, including the industry-standard FICO Score; accounted for 68% of revenues in the quarter ended June 30, 2026.
• Software: Pre-configured analytic and decision management solutions for fraud detection and customer management; accounted for 32% of revenues in the quarter ended June 30, 2026.
• FICO Platform: Modular software designed to support advanced analytic and decision-making use cases; included in the Software segment.

Strategic Loans and New Growth

• Amended a credit agreement in June 2026 to provide for a $1.5 billion term loan.
• Entered an accelerated share repurchase agreement in June 2026 to buy back $1.5 billion in common stock.
• Prioritized higher-margin software sales over professional services during the nine months ended June 30, 2026.
• Expanded the Platform software offering, which saw its annual recurring revenue grow 62% year over year as of June 30, 2026.

A Global Standard for Risk

Fair Isaac serves businesses in more than 80 countries, providing analytics that operationalize decision-making at scale. Its scoring models are the standard measure of consumer credit risk in the United States.

Financial Results for 2026

• Total revenues reached $674.2 million in the quarter ended June 30, 2026, up 26% year over year.
• Net income was $237.2 million in the quarter ended June 30, 2026, up 30% year over year.
• Diluted EPS reached $10.45 in the quarter ended June 30, 2026, up 41% year over year.
• Annual recurring revenue for the Software segment hit $815.8 million as of June 30, 2026, up 10% year over year.
• Total debt balance rose to $5.6 billion as of June 30, 2026, compared with $3.1 billion as of Sept. 30, 2025.

Bottom Line

Fair Isaac has evolved from a data analytics pioneer into a provider of essential financial infrastructure. Its focus on cloud-based software and dominant credit scoring models supports its position in the global financial services market.