Fair Isaac Corporation (FICO)
FICO is the company behind the credit scores that banks and lenders use to decide whether you are a reliable person to lend money to.
Is Fair Isaac Corporation a good stock for a UK beginner?
The honest version: FICO is the company behind the credit scores that banks and lenders use to decide whether you are a reliable person to lend money to.
Over about 2 years to 2026-07-31. This is the share price only; any dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
FICO becomes the global standard for digital identity and risk
Disruption by new artificial intelligence-based credit models
What does Fair Isaac Corporation do?
FICO provides the data analytics and software that help financial institutions assess risk when you apply for a loan or credit card. It charges banks and businesses to use its scoring systems and decision-making software. Watch how they keep expanding their software business while holding on to their dominant position in the credit scoring industry.
On our factor screen it looks strongest on quality and growth, and weakest on momentum.
- !Pays no dividend - the whole return rides on the share price
- ✓Growing - revenue up about 26% over the year
- ✓Very profitable - turns about 34% of sales into profit
- !High P/E of 33 - big growth is already priced in
- Quality screens high (94/100)
- Growth screens high (77/100)
- Extremely high profit margins showing a very efficient business model
- Strong market position as the industry standard for credit scoring
- Significant year-on-year growth in both revenue and earnings
- Momentum screens low (14/100)
- Income screens low (16/100)
- Heavy reliance on the financial services sector for revenue
- Potential for new regulations to change how credit scores are calculated
- Technological disruption from newer, AI-driven competitors
What do Fair Isaac Corporation's numbers mean?
How much money does Fair Isaac Corporation make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Does Fair Isaac Corporation pay a dividend?
No - Fair Isaac Corporation doesn't currently pay a dividend, so the whole return would rest on the share price. Plenty of growing companies reinvest their profits instead of paying them out - neither approach is better or worse, they're just different.
When does Fair Isaac Corporation report earnings, and how did recent quarters go?
Fair Isaac Corporation is next scheduled to report on about 2026-11-04 - dates can move, and we don't predict results; this just tells you when to look.
Each quarter a company reports its results against what analysts expected. ‘Beating’ or ‘missing’ is about that expectation, not whether the business is doing well in absolute terms.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-07-29 | $11.78 | $12.18 | Beat +3% |
| 2026-04-28 | $10.97 | $12.50 | Beat +14% |
| 2026-01-28 | $7.08 | $7.33 | Beat +3% |
| 2025-11-05 | $7.36 | $7.74 | Beat +5% |
| 2025-07-30 | $7.70 | $8.57 | Beat +11% |
| 2025-04-29 | $7.44 | $7.81 | Beat +5% |
Across the last 6 quarters here, Fair Isaac Corporation came in ahead of what analysts expected 6 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Reported vs expected earnings per share (EPS) from published results; the expectation is the analyst consensus, not our view. Report dates are estimates that can move.
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Hewlett Packard EnterpriseWhat are the scenarios for Fair Isaac Corporation?
An illustrative range for the year ahead, with the assumption behind each case — not a prediction or a price target.
What are the pros and cons of Fair Isaac Corporation?
How many points the write-up makes each way — a balance check, not a score or verdict.
- Extremely high profit margins showing a very efficient business model
- Strong market position as the industry standard for credit scoring
- Significant year-on-year growth in both revenue and earnings
- No dividend payments for those looking for regular income
- High valuation multiples compared to the broader market
- Share price has experienced recent volatility
- Heavy reliance on the financial services sector for revenue
- Potential for new regulations to change how credit scores are calculated
- Technological disruption from newer, AI-driven competitors
The write-up's own warning lights — if these start happening, the case above changes.
- A sustained decline in revenue growth over several quarters
- Major regulatory changes that force a shift away from FICO's scoring models
Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →
This plain-English summary was auto-generated on 2026-08-01 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.