FICO (FICO)
Licenses FICO Scores and decision software for lending, fraud and optimization.
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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
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 22, 2026 | Wells Fargo | Reiterate | Rating: —Target: $1,450 | Target: $1,350 |
| Aug 12, 2026 | UBS | Reiterate | Rating: —Target: $1,270 | Target: $1,139 |
| Aug 10, 2026 | Barclays | Reiterate | Rating: —Target: $1,950 | Target: $1,700 |
| Aug 3, 2026 | Jefferies | Target | Target: $1,700 | Target: $1,675 |
| Aug 3, 2026 | Wolfe Research | Downgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $248.4M · Total debt $5.60B · Total assets $2.04B · Shareholders' equity −$4.10B
- Revenue
- $674.2M
- Operating income
- $362.6M
- Net income
- $237.2M
No dividends on record.
| Institutions | ≈ 102.04% | 22.04M shares | |
|---|---|---|---|
| 887 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 2.70% | 583.7K shares | |
| 15 holders · as of Aug 25, 2026 | |||
| Adds to | 104.74% | ||
21.60M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 104.74%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 9.66% | 2.09M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 6.84% | 1.48M | as of Jun 30, 2026 |
Capital Research Global InvestorsInstitution | 6.00% | 1.30M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.81% | 1.26M | as of Jun 30, 2026 |
Capital International InvestorsInstitution | 5.78% | 1.25M | as of Jun 30, 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 |
- 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.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| FICO | $913.92 | −1.15% | $19.97B | 26.7 | 18.1 | 8.3 | +25.7% |
| Equifax | $158.08 | −0.34% | $18.64B | 27.9 | 17.3 | 2.9 | +10.6% |
| TransUnion | $71.67 | +0.36% | $13.68B | 18.8 | 13.9 | 2.8 | +14.9% |
| Pegasystems | $34.30 | −1.91% | $5.75B | 19.8 | 13.5 | 3.3 | +9.4% |
| NiCE (ADR) | $118.14 | +3.14% | $6.71B | 16.6 | 9.9 | 2.2 | +7.7% |
| ACI Worldwide | $49.04 | −1.11% | $5.04B | 22.7 | 18.8 | 2.8 | +7.3% |
| Moody's | $466.96 | −0.06% | $80.94B | 29.7 | 26.2 | 9.9 | +15.1% |
| Median | 21.3 | 15.6 | 2.8 | +10.0% |