Fair Isaac

Fair Isaac Corporation, universally known as FICO, stands as a pioneering force in analytics and decision management technology, fundamentally transforming how organizations assess credit risk and make data-driven decisions. Founded in 1956 by engineer Bill Fair and mathematician Earl Isaac with an initial investment of just $800 each, the company revolutionized consumer lending by introducing objective, data-driven credit scoring to replace subjective lending decisions. The FICO Score, introduced in its general-purpose form in 1989 and adopted by Fannie Mae and Freddie Mac in 1995, has become the de facto standard for consumer credit assessment in the United States, used by 90% of top U.S. lenders and made available in over 40 countries worldwide. This single innovation has facilitated trillions of dollars in consumer lending and democratized access to credit for millions of consumers.

Headquartered in Bozeman, Montana, FICO operates through two primary business segments: Scores and Software. The Scores segment, which generated $920 million in revenue in fiscal 2024 (up 19% year-over-year), encompasses the company's iconic credit scoring business and related analytics. The Software segment focuses on the FICO Platform, a cloud-native analytics and AI platform that achieved over 30% annual recurring revenue (ARR) growth in each quarter of fiscal 2024. For fiscal year 2024, FICO reported total revenues of $1.72 billion (up 13% versus prior year) with GAAP net income of $513 million and diluted earnings per share of $20.45 (up 21%), demonstrating the strength and profitability of its business model. The company employs approximately 3,800 people globally and maintains a market capitalization exceeding $42 billion as of December 2025.

Under the leadership of CEO William J. Lansing, who has served since January 2012, FICO has evolved from a pure credit scoring company into a comprehensive analytics powerhouse serving diverse industries including financial services, insurance, telecommunications, retail, and healthcare. The company's technology foundation leverages proprietary applications of linear and nonlinear optimization algorithms, advanced neural systems, machine learning, and artificial intelligence to deliver solutions for decision modeling, fraud detection, customer engagement, and risk management. FICO's product portfolio includes Decision Modeler, Blaze Advisor, Xpress Optimization, Analytics Workbench, and a comprehensive suite of fraud prevention and originations solutions that help organizations automate and optimize billions of decisions annually.

FICO's strategic focus on AI-powered solutions and open banking partnerships positions the company for continued growth and innovation. In November 2025, FICO announced significant partnerships with GFT Technologies for AI-driven real-time fraud prevention and with Plaid to launch an enhanced UltraFICO Score utilizing real-time cash flow data, signaling expansion into advanced analytics and consumer-permissioned data. The company has been recognized as a category leader for enterprise fraud solutions by Chartis for five consecutive years and maintains a strong culture of innovation, diversity, and employee engagement. Named by Forbes as one of America's Best Midsize Employers for four consecutive years and certified by Great Place to Work in multiple countries, FICO combines technological excellence with a commitment to corporate responsibility and workforce development. As financial services continue their digital transformation and AI adoption accelerates, FICO remains uniquely positioned at the intersection of data, analytics, and decision science, empowering organizations worldwide to make smarter, faster, and more profitable decisions.