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Fair Isaac Corporation, globally known as FICO, is a U.S.-based technology company operating in the Information Services and analytical software industry. The company specializes in predictive analytics, data science, and decision-management solutions.
Founded in 1956 by Bill Fair and Earl Isaac, FICO emerged from the founders’ innovative vision of improving business decision-making through statistical modeling and mathematical algorithms—an approach that was highly advanced for the financial sector at that time.
FICO is best known for developing the FICO Score, one of the most widely used credit-scoring models in the world. Banks, fintechs, insurers, regulators, and financial institutions rely on the FICO Score to assess consumer creditworthiness.
Beyond credit scoring, the company’s portfolio includes:
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fraud prevention platforms,
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decision-management solutions,
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optimization software,
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machine learning tools,
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predictive analytics for financial services, retail, telecommunications, insurance, and government agencies.
FICO operates in more than 90 countries, serving thousands of organizations worldwide. The company’s analytics and decision engines play a central role in risk assessment, fraud detection, debt collection, and marketing decisions.
Key market drivers include digital transformation in financial services, rising cyber fraud, data-privacy regulations, open-banking expansion, and increased demand for AI-based analytics.
The company’s operational structure includes research centers, software development hubs, commercial offices, and specialized teams in statistical modeling, data science, and engineering.
Fair Isaac Corporation is listed on the New York Stock Exchange (NYSE) under the ticker FICO.
History and When Fair Isaac Corporation Was Founded
Fair Isaac Corporation was founded in 1956 in California by Bill Fair, an engineer, and Earl Isaac, a mathematician. The founders believed that corporate decision-making could be improved through structured statistical analysis and mathematical modeling.
In its early years, the company focused on developing customized risk models for banks and financial institutions, quickly becoming a reference in quantitative analytics.
In 1989, the company launched the FICO Score, which rapidly became the standard for credit-risk assessment in the United States. As the digital economy expanded, the model was adopted by international institutions, solidifying the brand as a global benchmark.
Starting in the 2000s, FICO expanded into enterprise software, offering comprehensive solutions for decision management, fraud detection, and machine learning.
Between 2020 and 2024, the company strengthened its AI technologies, expanded its open banking solutions, enhanced its cloud-based services, and broadened its digital fraud-prevention capabilities, aligned with the global growth of electronic payments and online credit.
Additional Information
The Company Fair Isaac Corporation (United States), is listed on Nasdaq with a market cap of $ 43.16 Billions, having an equity of $ -1.75 Billion.
The Company is listedthe in the sector of Others and categorized in industry of Others.
In the last 12 months the Company had a revenue of $ 1.99 Billion, which generated a profit in the amount of $ 651.95 Millions.
As for its main indicators, the Company has a P/E ratio of 66.21, a P/BV ratio of -24.73 and in the last 12 months the Company did not pay dividends.
The Company is traded internationally through the ticker FICO.
