FICO provides data analytics and decision management tools that help financial institutions assess credit risk and detect fraud. The company’s primary product, the FICO score, works by transforming consumer credit report data into a numerical value that predicts the likelihood of a borrower repaying a loan. Unlike many competitors, FICO’s scoring system serves as the primary industry standard for consumer lending in the United States, integrated directly into software that manages the entire customer lifecycle. The company’s goal is to provide lenders with the predictive tools necessary to make informed, data-driven decisions regarding account origination, marketing, and risk management.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
San Jose, California
Founded
1956
See people who can refer or advise you
Help us improve and share your feedback! Did you find this helpful?
Health Insurance
Flexible Work Hours
Professional Development Budget
Wellness Program
Remote Work Options
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.
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.
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.
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.
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.