OverviewSuggest Edit

FICO (also known as Fair Isaac Corporation) is a company developing predictive analytics and decision management systems. It operates 3 segments: Applications, Scores, and Decision Management Software. The Applications segment offers pre-configured decision management applications designed for a specific type of business problem or process, such as marketing, account origination, customer management, fraud, collections, and insurance claims management, as well as associated professional services. The Scores segment provides B2B scoring solutions and services and associated professional services. The Decision Management Software segment is composed of analytic and decision management software tools that enable organizations to create their own custom decision management applications, new FICO Decision Management Suite, and associated professional services.

TypePublic
Founded1956
HQSan Jose, CA, US
Websitefico.com
Employee Ratings4
Overall CultureB

Latest Updates

Employees (est.) (Jun 2021)3,841(-2%)
Job Openings240
Revenue (FY, 2020)$1.3 B(+12%)
Share Price (Sept 2021)$440.5
Cybersecurity ratingAMore

Key People/Management at FICO

William J. Lansing

William J. Lansing

President and Chief Executive Officer
Michael I. McLaughlin

Michael I. McLaughlin

Executive Vice President and Chief Financial Officer
Claus Moldt

Claus Moldt

Executive Vice President and Chief Technology Officer
Steven P. Weber

Steven P. Weber

Vice President, Treasurer, Tax and Investor Relations
James M. Wehmann

James M. Wehmann

Executive Vice President, Scores
Richard S. Deal

Richard S. Deal

Executive Vice President and Chief Human Resources Officer
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FICO Office Locations

FICO has offices in San Jose, Bozeman, Coral Gables, Fairfax and in 30 other locations
San Jose, CA, US (HQ)
181 Metro Dr #700
Bozeman, MT, US
5 W Mendenhall St #105
Coral Gables, FL, US
2 Alhambra Plaza #701
Fairfax, VA, US
4035 Ridge Top Rd #600
Roseville, MN, US
2665 Long Lake Rd Bldg. C
San Diego, CA, US
3661 Valley Centre Dr #500
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FICO Financials and Metrics

FICO Revenue

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FICO's revenue was reported to be $1.29 b in FY, 2020 which is a 11.6% increase from the previous period.
USD

Revenue (Q3, 2021)

338.2m

Gross profit (Q3, 2021)

255.9m

Gross profit margin (Q3, 2021), %

75.7%

Net income (Q3, 2021)

151.2m

EBIT (Q3, 2021)

194.4m

Market capitalization (15-Sept-2021)

12.6b

Closing stock price (15-Sept-2021)

440.5

Cash (30-Jun-2021)

237.6m

EV

13.5b
FICO's current market capitalization is $12.6 b.
Annual
USDFY, 2018FY, 2019FY, 2020

Revenue

1.0b1.2b1.3b

Revenue growth, %

11%12%12%

Cost of goods sold

310.7m336.8m361.1m

Gross profit

721.8m823.2m933.4m
Quarterly
USDQ1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020Q1, 2021Q2, 2021Q3, 2021

Revenue

262.3m278.2m314.2m298.5m308.0m313.7m312.4m331.4m338.2m

Cost of goods sold

76.1m85.6m87.2m90.8m88.1m88.6m89.5m88.3m82.2m

Gross profit

186.2m192.7m227.0m207.7m219.8m225.2m222.9m243.0m255.9m

Gross profit Margin, %

71%69%72%70%71%72%71%73%76%
Annual
USDFY, 2018FY, 2019FY, 2020

Cash

90.0m106.4m157.4m

Accounts Receivable

208.9m297.4m334.2m

Current Assets

338.5m455.7m534.1m

PP&E

48.8m53.0m46.4m
Annual
USDFY, 2018FY, 2019FY, 2020

Net Income

142.4m192.1m236.4m

Depreciation and Amortization

30.2m31.6m30.4m

Accounts Payable

843.0k1.9m1.1m

Cash From Operating Activities

223.1m260.4m364.9m
Quarterly
USDQ1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020Q1, 2021Q2, 2021Q3, 2021

Net Income

40.0m73.4m137.5m54.9m113.2m177.3m86.5m155.2m306.4m

Depreciation and Amortization

8.0m15.8m23.7m7.9m15.5m23.5m7.0m13.7m20.1m

Accounts Payable

1.7m(2.2m)631.0k10.3m1.8m(1.8m)(1.5m)(3.7m)(4.2m)

Cash From Operating Activities

48.9m96.6m164.9m60.4m121.9m228.7m77.9m231.5m332.1m
USDFY, 2018

EV/EBIT

35.5 x

EV/CFO

32.9 x

Revenue/Employee

294.1k

Debt/Equity

2.9 x

Debt/Assets

0.6 x

Financial Leverage

4.8 x

P/E Ratio

50.0
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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, 2017Q1, 2018Q2, 2018Q3, 2018FY, 2018Q1, 2019Q2, 2019Q3, 2019FY, 2019Q1, 2020Q2, 2020Q3, 2020FY, 2020Q1, 2021Q2, 2021Q3, 2021

Bookings

$82.9 m$109.1 m$84.5 m$69.6 m$362.3 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$95.5 m$429 m$82.2 m$101.7 m$119.9 m$437.3 m$106.6 m$105.7 m$109.2 m$481.7 m$112.1 m$84.1 m$106.2 m$537 b$68.1 m$84 m$75.5 m

Trademarks

36384036343434

Patents (US)

157153156166172178184

Patents (Foreign)

13141517171716
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FICO Acquisitions / Subsidiaries

Company NameDateDeal Size
EZMCOMNovember 07, 2019
QuadMetricsJune 14, 2016
TonbellerJune 13, 2015
InfoCentricityApril 30, 2014
KarmasphereApril 17, 2014
InfoglideApril 01, 2013
CR SoftwareNovember 26, 2012
AdeptraAugust 16, 2012$115 m
EntieraMay 08, 2012
RulesPowerSeptember 27, 2005
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FICO Revenue Breakdown

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FICO revenue breakdown by business segment: 12.7% from Decision Management Software, 40.8% from Scores and 46.5% from Applications

FICO revenue breakdown by geographic segment: 15.7% from Europe, Middle East and Africa, 7.6% from Asia Pacific, 71.8% from North America and 4.8% from Other

FICO Cybersecurity Score

Cybersecurity ratingPremium dataset

A

92/100

SecurityScorecard logo

FICO Online and Social Media Presence

Embed Graph

FICO Company Culture

  • Overall Culture

    B

    71/100

  • CEO Rating

    A

    78/100

  • Compensation

    B+

    77/100

  • Diversity

    A-

    81/100

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FICO News and Updates

FICO Survey: 1 in 2 Thai Consumers Will Abandon Long Online Banking Account Applications

FICO’s 2021 digital banking survey shows that people in Thailand expect a seamless banking experience when it comes to opening an account via a mobile app or website, with one in two expecting to answer 10 questions or less or they will abandon the process. One in five Thais will drop out if asked m…

FICO and msg Partner to Help European, African and Middle East Businesses Meet Changing Financial Crime Regulations

Global analytics software provider FICO announced today a partnership agreement with international consulting and IT company msg group to support and resell FICO’s financial crime compliance and fraud products throughout Europe, Middle East and Africa. msg will offer businesses using FICO® Siron® An…

FICO to Host Free Online Financial Education Event for Jacksonville Consumers

Leading analytics software firm FICO (NYSE:FICO) will host a free online financial education event with national and local nonprofit partners for Jacksonville-area consumers on September 15

FICO to Present at Upcoming Investor Conference

FICO (NYSE:FICO), a leading predictive analytics and decision management software company, today announced Will Lansing, Chief Executive Officer, will present virtually at the Barclays Global Financial Services Conference on Monday, September 13th at 12:00 pm EST

FICO & TransUnion of Canada renew distribution agreement

FICO recently announced that it has extended a multi-year agreement with TransUnion of Canada to distribute FICO scores to lenders, consumers and additional businesses in Canada

New FICO Research Shows an Accelerated Digital-First Mindset: 71% of U.S. Consumers Willing to Open a Bank Account Digitally, Signaling the Need for More Engaging and Personalized Financial Experiences

Leading digital decision platform company, FICO, today released research which found that the COVID-19 pandemic accelerated a digital-first mindset in financial services, with 71% of U.S. respondents willing to open an account digitally (via app or website)
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FICO Frequently Asked Questions

  • When was FICO founded?

    FICO was founded in 1956.

  • Who are FICO key executives?

    FICO's key executives are William J. Lansing, Michael I. McLaughlin and Claus Moldt.

  • How many employees does FICO have?

    FICO has 3,841 employees.

  • What is FICO revenue?

    Latest FICO annual revenue is $1.3 b.

  • What is FICO revenue per employee?

    Latest FICO revenue per employee is $337 k.

  • Who are FICO competitors?

    Competitors of FICO include Q2 Software, Syniverse and CRIF.

  • Where is FICO headquarters?

    FICO headquarters is located at 181 Metro Dr #700, San Jose.

  • Where are FICO offices?

    FICO has offices in San Jose, Bozeman, Coral Gables, Fairfax and in 30 other locations.

  • How many offices does FICO have?

    FICO has 34 offices.