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)
Type
Public
HQ
San Jose, US
Founded
1956
Size (employees)
3,299 (est)+2%
Website
fico.com
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
Show all (37)

FICO Financials and Metrics

FICO Financials

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

Revenue (Q3, 2017)

231 m

Gross profit (Q3, 2017)

161.2 m

Gross profit margin (Q3, 2017), %

70%

Net income (Q3, 2017)

25.2 m

EBIT (Q3, 2017)

41.4 m

Market capitalization (13-Nov-2017)

5 b

Cash (30-Jun-2017)

130.7 m

EV

5.2 b
FICO's current market capitalization is $5 b.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

743.4 m789 m838.8 m881.4 m

Revenue growth, %

6%6%5%

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

Revenue

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, %

69%69%68%65%66%68%69%70%72%68%68%70%
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

83.2 m105.1 m86.1 m75.9 m

Accounts Receivable

143.7 m155.3 m158.8 m167.8 m

Inventories

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

Cash

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

PP&E

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, 2017Q3, 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

EV/EBIT

126 x

Revenue/Employee

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

Bookings

$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)

157153156

Patents (foreign)

131415

Patents Pending

879393
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

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…

How the increasing nonbank origination share is changing the housing market

The share of nonbank originations in the housing market increased significantly to 60% over the past five years. And this increasing share of nonbanks is changing the housing market by opening the credit box.

Huge housing trade groups push FHFA for FICO alternatives

A coalition of the housing industry’s largest trade groups want Fannie Mae and Freddie Mac to look beyond FICO and begin using alternative credit scoring models. In a letter sent last week to Federal Housing Finance Agency Director Mel Watt, the groups express their disappointment in Watt, who recen…
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FICO Company Life and Culture

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