FICO (Fair Isaac Corporation) delivers predictive analytics solutions that drive smarter decisions. The Company’s solutions include the FICO Score — the standard measure of consumer credit risk in the United States — along with solutions for managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Banks, as well as insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands.

San Jose, US
Size (employees)
3,358 (est)+2%
FICO was founded in 1956 and is headquartered in San Jose, US
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FICO Office Locations

FICO has offices in Makati, Kuala Lumpur, Seoul, Mumbai and in 30 other locations
San Jose, US (HQ)
700 181 Metro Dr
Ann Arbor, US
312 S State St
Austin, US
150 7700 W Parmer Ln
Bozeman, US
25 E Mendenhall St
Clifton Park, US
646 Plank Rd
Coral Gables, US
701 2 Alhambra Plaza
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FICO Financials and Metrics

FICO Financials

FICO's revenue was reported to be $881.36 m in FY, 2016 which is a 5.1% increase from the previous period.

Revenue (Q1, 2018)

235.3 m

Gross profit (Q1, 2018)

161 m

Gross profit margin (Q1, 2018), %


Net income (Q1, 2018)

27.3 m

EBIT (Q1, 2018)

39.9 m

Market capitalization (20-Apr-2018)

5.5 b

Cash (31-Dec-2017)

94.2 m


5.8 b
FICO's current market capitalization is $5.5 b.
USDFY, 2013FY, 2014FY, 2015FY, 2016


743.4 m789 m838.8 m881.4 m

Revenue growth, %


Cost of goods sold

270.5 m265.2 m

Gross profit

568.2 m616.2 m
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018


184.3 m185.5 m197.6 m189.6 m207.1 m209.4 m200.1 m206.7 m238.8 m219.6 m228.4 m231 m235.3 m

Cost of goods sold

57.3 m58.2 m62.8 m66.3 m71 m66.2 m62.2 m62.3 m66.4 m70 m72.1 m69.8 m74.4 m

Gross profit

127 m127.3 m134.9 m123.3 m136.1 m143.2 m137.9 m144.4 m172.4 m149.6 m156.2 m161.2 m161 m

Gross profit Margin, %

USDFY, 2013FY, 2014FY, 2015FY, 2016


83.2 m105.1 m86.1 m75.9 m

Accounts Receivable

143.7 m155.3 m158.8 m167.8 m


22.3 m28.2 m41.7 m23.9 m

Current Assets

249.2 m288.5 m286.6 m267.6 m
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018


95.9 m108.2 m93.1 m94.7 m86.8 m84.4 m90.7 m85.4 m118.2 m88.1 m115.8 m130.7 m94.2 m

Accounts Receivable

141.1 m140.4 m155.5 m147.1 m169.9 m147.3 m139.1 m155.2 m155.2 m155.7 m141.4 m140.3 m164.7 m

Current Assets

257.7 m269.6 m273.3 m279.9 m301.8 m269.1 m287.5 m276.6 m295.8 m284.7 m309.2 m322 m299.1 m


42 m39.2 m37.3 m36.8 m40 m38.7 m38.4 m38.6 m41.1 m44 m42.7 m42.1 m38.8 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

90.1 m94.9 m86.5 m109.4 m

Depreciation and Amortization

33.2 m32.6 m13.7 m14 m

Accounts Payable

(590 k)3.2 m(3.7 m)564 k
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018

Net Income

17 m20.8 m20.5 m14.4 m18.9 m19.9 m19.2 m23.1 m35 m37.9 m25.1 m27.3 m

Depreciation and Amortization

3 m2.9 m3.5 m3.6 m3.6 m3.5 m3.5 m3.3 m3.3 m7.7 m

Accounts Payable

21.1 m25.6 m38.4 m26.4 m21.6 m20.6 m21.1 m22.4 m18.7 m(119 k)

Cash From Operating Activities

28.8 m
USDY, 2017


145.8 x


202.2 x


70.1 k

Financial Leverage

3.2 x
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FICO Operating Metrics

Q1, 2014Q2, 2014Q3, 2014Q4, 2014FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016Q4, 2016FY, 2016Q1, 2017Q2, 2017Q3, 2017FY, 2017


$82.90 m$109.10 m$84.50 m$69.60 m$362.30 m$79.60 m$60.20 m$105.40 m$314.70 m$86.40 m$132.50 m$78.80 m$80.30 m$378 m$96.40 m$91.20 m$95.50 m$429 m


36 38 40 36

Patents (US)

157 153 156 166

Patents (foreign)

13 14 15 17
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FICO News and Updates

Anti-money Laundering Software Market Forecast 2021: Recent Study Including Growth Factors, Applications, Regional Analysis, Forecasts and Key Players ACI Worldwide, EastNets, FICO TONBELLER, Fiserv, NICE Actimize, RELX, FIS, BAE Systems

Money laundering is a process by which criminals convert illegally obtained profit into seemingly legitimate funds. They hide the source of such profits and try to prove that they are from a legitimate source. Money laundering is a worldwide issue. The reason for criminals to launder their illegal f…

FICO is running a competition with Google to fix how credit is granted

FICO, the credit rating firm central to Americans’ financial lives, is asking for help. The company announced yesterday (Dec. 7) the Explainable Machine Learning Challenge,…

How to Monetize the Data in Your Business

A three-tiered approach to the monetization of datathat follows the framework of Aggregation, Analytics, and Actionable Predictions.

Mortgage lenders begin to ease credit standards on GSE eligible loans

A new survey shows that more lenders report they eased credit standards rather than tightened them, and many expect this trend to continue in the next quarter, especially for GSE eligible loans. Lenders’ comments suggest that competitive pressure and more favorable guidelines for GSE loans are reaso…

Closing rates in August hit highest point since January

Ellie Mae’s latest Origination Insight Report showed much of the loan origination data held steady from July to August. However, closing rates increased during the month to their highest point since the beginning of this year. Here’s the full rundown.

How To Buy A House When You’re Pretty Sure You Can’t Afford One

Here are six hurdles for first-time homebuyers that can be overcome.
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