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.

Company Growth (employees)
San Jose, US
Size (employees)
3,299 (est)+2%
FICO was founded in 1956 and is headquartered in San Jose, US

FICO Office Locations

FICO has offices in San Jose, Fairfax, Bengaluru, San Diego and in 35 other locations
San Jose, US (HQ)
700 181 Metro Dr
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FICO Financials and Metrics

FICO Financials

FICO's revenue was reported to be $881.4 m in FY, 2016

Revenue (Q3, 2017)

231 m

Gross profit (Q3, 2017)

161.2 m

Gross profit margin (Q3, 2017), %


Net income (Q3, 2017)

25.2 m

EBIT (Q3, 2017)

41.4 m

Market capitalization (22-Dec-2017)

5 b

Cash (30-Jun-2017)

130.7 m


5.2 b
FICO's current market capitalization is $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, 2017


184.3 m185.5 m197.6 m189.6 m207.1 m209.4 m200.1 m206.7 m238.8 m219.6 m228.4 m231 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 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 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, 2017


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


42 m39.2 m37.3 m36.8 m40 m38.7 m38.4 m38.6 m41.1 m44 m42.7 m42.1 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 Receivable

1.3 m(14 m)(4.6 m)(18.2 m)

Accounts Payable

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

Net Income

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

Depreciation and Amortization

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

Accounts Receivable

155.5 m147.1 m169.9 m147.3 m139.1 m155.2 m155.2 m155.7 m141.4 m

Accounts Payable

21.1 m25.6 m38.4 m26.4 m21.6 m20.6 m21.1 m22.4 m18.7 m
USDY, 2017


125.9 x


70.9 k

Financial Leverage

2.9 x
Show all financial metrics

FICO Operating Metrics

Q4, 2013Q1, 2014Q2, 2014Q3, 2014FY, 2014Q4, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q4, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q4, 2016Q1, 2017


$82.9 m$109.1 m$84.5 m$85.8 m$362.3 m$69.6 m$79.6 m$60.2 m$105.4 m$314.7 m$86.4 m$132.5 m$78.8 m$80.3 m$378 m$96.4 m$91.2 m

Patents (US)


Patents (foreign)


Patents Pending

Show all operating metrics

FICO Market Value History

FICO Revenue Breakdown

FICO's Web-traffic and Trends

FICO Online and Social Media Presence

FICO News and Updates

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.

Wholesale is the best option for loan officers

The mortgage business is great for sales professionals who have an entrepreneurial spirit and are relationship-driven. When comparing both sides of the wholesale vs. retail debate — or mortgage broker vs. bank — there is no doubt that the best way for loan officers to grow their business and take gr…
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FICO Company Life and Culture

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