F

FICO

Predictive credit risk scoring & analytics

Overview

FICO provides data analytics and decision-management tools for credit risk and lending, with the FICO score as its flagship measure of consumer credit risk used by lenders. The score is calculated from a user’s credit report data to predict loan repayment likelihood, and FICO software applies analytics and decision rules to guide loan approvals, pricing, fraud detection, and account management. Unlike many competitors, FICO combines a widely adopted score with an end-to-end suite of predictive analytics and decision-management tools that cover the full lending lifecycle. Its goal is to help financial institutions make better lending and risk decisions, prevent fraud, and optimize customer relationships through data-driven, rules-based systems.

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About FICO

Simplify's Rating
Why FICO is rated
C+
Rated B on Competitive Edge
Rated C on Growth Potential
Rated C on Differentiation

Industries

Data & AnalyticsEnterprise SoftwareAI & Machine LearningFinancial Services

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

San Jose, CA

Founded

1956

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Simplify's take

What believers are saying

  • Optimal Blue integrated FICO Score 10T into its mortgage capital markets platform.
  • Pindrop joined FICO Marketplace in May 2026, strengthening fraud-defense distribution.
  • FICO issued $1.0 billion senior notes on March 20, 2026, funding buybacks and refinancing.

What critics are saying

  • FHFA expanded VantageScore access to all lenders on September 9, 2026.
  • FHA will accept VantageScore and FICO 10T starting January 1, 2027.
  • FICO cut 15% of staff in October 2026, signaling mortgage revenue pressure.

What makes FICO unique

  • FICO remains embedded in U.S. mortgage underwriting and consumer lending workflows.
  • FICO Score 10T adds trended credit behavior, not just point-in-time credit snapshots.
  • FICO Marketplace bundles fraud, identity, and decisioning partners into one orchestration layer.

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Funding

Total Funding

$1.3B

Above

Industry Average

Funded Over

2 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison Coming Soon

Benefits

  • Health Insurance
  • Flexible Work Hours
  • Professional Development Budget
  • Wellness Program
  • Remote Work Options

Stock Price

Growth & Insights and Company News

6 month growth

0%

1 year growth

0%

2 year growth

0%
Yahoo Finance
Oct 2nd, 2026
Fair Isaac faces mortgage score challenge while Cadence grows across all products

Fair Isaac and Cadence Design Systems both sell products customers cannot easily replace, but their growth drivers differ significantly. Cadence's chip design software grows across all product groups, whilst Fair Isaac's growth stems primarily from raising prices on its FICO Score. In September 2026, the Federal Housing Finance Agency announced it would start using VantageScore, a cheaper rival, to set mortgage prices. This decision particularly affects Fair Isaac, whose Scores revenue grew 41% in fiscal Q3 2026, driven mainly by higher mortgage score prices. Cadence carries far less debt, at 2.7% of market value versus Fair Isaac's 40%. Fair Isaac trades at 18.4 times earnings compared to Cadence's 69.7 times. Fair Isaac's share price has fallen 56% over the past year, whilst Cadence is down 0.2%. Fair Isaac has not reported results since the government announcement.

Associated Press
Aug 11th, 2026
Alogram joins FICO Marketplace to offer explainable AI fraud intelligence

Alogram Inc. has joined FICO Marketplace, making its fraud intelligence offerings available to FICO Platform customers worldwide. The suite includes Account Forensics, Behavioral Intelligence, Email Intelligence, Identity Intelligence, Purchase Forensics, and Telecom Intelligence. These modular capabilities are designed to help enterprises identify suspicious digital activity and emerging AI-enabled fraud patterns. The offerings provide explainable indicators and audit-ready evidence that integrate directly into existing decisioning workflows. FICO Marketplace enables customers to discover and deploy pre-built AI models, data services, and analytics without replacing existing infrastructure. Alogram's CEO d'Artagnan Osborne said the partnership provides customers with additional signals and forensic context to better understand fraud risks. The listings are now accessible to FICO Platform customers through the marketplace, allowing enterprises to explore how these intelligence capabilities can support their fraud and risk management strategies.

Yahoo Finance
Jul 24th, 2026
Three companies beat market with strong growth: Brinker International up 214%, Construction Partners up 212%, Fair Isaac up 123%

Three companies have delivered strong returns over the past five years, according to recent analysis. Brinker International, which operates Chili's and Maggiano's Little Italy, has returned 214% with same-store sales growth averaging 15.5% over two years and £5.73 billion in revenue. Construction Partners, a civil infrastructure firm, has gained 212% with 39.9% annual revenue growth over the past two years. Its earnings per share growth of 46.7% outpaced revenue gains. Fair Isaac Corporation, creator of the FICO credit score, has returned 123%. The company's earnings per share growth of 29.3% exceeded revenue gains over the last two years, whilst maintaining a 34% free cash flow margin. All three companies have demonstrated consistent earnings growth and improving operational metrics.

Business Wire
Jun 4th, 2026
Optimal Blue integrates FICO Score 10T into capital markets platform for mortgage lenders

Optimal Blue, a mortgage capital markets platform, has integrated FICO Score 10T into its technology, marking a significant step in the adoption of FICO's most predictive credit scoring model across the mortgage industry. The integration enables lenders to price and decision non-agency loans using FICO Score 10T within Optimal Blue's product, pricing and eligibility engine, as well as mortgage servicing rights valuation and hedging capabilities. Optimal Blue supports approximately 60% of the top 50 US mortgage lenders. FICO Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Programme, allowing lenders to conduct side-by-side testing without additional fees. The integration extends to the secondary market, where investors and servicers can leverage the score for portfolio assessment.

Yahoo Finance
May 29th, 2026
FICO partners with Pindrop to integrate AI fraud detection into banking workflows

FICO has partnered with Pindrop to integrate AI-powered fraud detection into the FICO Platform. The agreement embeds Pindrop Protect to deliver real-time, multi-signal fraud intelligence for financial institutions, including deepfake detection and consortium intelligence within FICO decisioning workflows. The collaboration positions FICO as an orchestration layer for high-risk interactions such as account opening, wire transfers and call centre authentication. By hosting Pindrop Protect in the FICO Marketplace, the company aims to make advanced fraud controls function as a plug-in for banks and telecoms. The partnership expands FICO's role beyond credit scoring into voice, device and behavioural signals, adding another data-rich partner alongside existing arrangements with AWS and Plaid.

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