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Fair Isaac's Business Segments
Fair Isaac's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q3 FY2026
Reportable Segments
2
Largest Segment
Scores
Total Revenue
$ 674
Regions Reported
3
Revenue Share by Reportable Segment - Q3 FY2026
- Scores68.1%
- Software31.9%
Revenue by Reportable Segment - Q3 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Scores | $ 459 | 68.1% |
| Software | $ 215 | 31.9% |
Revenue Share by Region - Q3 FY2026
- Americas90.8%
- EMEA6.1%
- Asia Pacific3.1%
Revenue by Geographic Region - Q3 FY2026
| Region | Revenue (Millions) | % of Total |
|---|---|---|
| Americas | $ 612 | 90.8% |
| EMEA | $ 41 | 6.1% |
| Asia Pacific | $ 21 | 3.1% |
Revenue by Product & Service Category - Q3 FY2026
- Scores Products68.1%
- Business to business Scores59.3%
- On-premises and SaaS software29.2%
- SaaS Products19.1%
- Platform Software15.1%
- Non-Platform Software14.1%
- On-Premises Products10.1%
- Business to consumer Scores8.7%
- Technology Service2.7%
Revenue by Product & Service Category - Q3 FY2026
| Category | Revenue (Millions) | % of Total |
|---|---|---|
| Scores Products | $ 459 | 68.1% |
| Business to business Scores | $ 400 | 59.3% |
| On-premises and SaaS software | $ 197 | 29.2% |
Product and service categories are a supplemental disclosure and are not required to sum to consolidated revenue or to the reportable segments above.
6 more categories available
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Description of Fair Isaac
Fair Isaac Corporation (FICO) is a multinational analytics software firm that specializes in predictive analytics, decision management, and credit risk management. Founded in 1956 by engineer Bill Fair and mathematician Earl Isaac, the company is headquartered in San Jose, California, and has offices in more than 30 countries worldwide.
FICO's core product is the FICO Score, which is used by lenders to assess the creditworthiness of borrowers. The FICO Score is based on a statistical model that analyzes an individual's credit history, payment patterns, and other financial data to predict the likelihood of that person repaying a loan on time. The scores range from 300 to 850, with higher scores indicating better creditworthiness.
In addition to the FICO Score, Fair Isaac also offers a range of analytics solutions to businesses across a variety of industries. These include fraud detection and prevention, marketing analytics, and decision management tools. FICO's Analytics Workbench is a platform that enables organizations to build custom predictive models using their own data.
FICO also offers consulting services to help businesses optimize their data and analytics strategies. Its consulting services cover areas such as data management, predictive modeling, and fraud prevention.
Over the years, FICO has acquired several companies to expand its capabilities and offerings. In 1995, it acquired HNC Software, a provider of neural network-based predictive analytics software. In 2006, FICO acquired London Bridge Group, a risk management software company. In 2015, FICO acquired big data analytics company Infoglide Software.
FICO has received numerous awards and accolades over the years for its innovations and contributions to the field of analytics. In 2019, Forbes listed FICO as one of America's Best Employers for Diversity, and the company was also recognized as a Leader in Gartner's Magic Quadrant for Data Science and Machine Learning Platforms.
FICO's core product is the FICO Score, which is used by lenders to assess the creditworthiness of borrowers. The FICO Score is based on a statistical model that analyzes an individual's credit history, payment patterns, and other financial data to predict the likelihood of that person repaying a loan on time. The scores range from 300 to 850, with higher scores indicating better creditworthiness.
In addition to the FICO Score, Fair Isaac also offers a range of analytics solutions to businesses across a variety of industries. These include fraud detection and prevention, marketing analytics, and decision management tools. FICO's Analytics Workbench is a platform that enables organizations to build custom predictive models using their own data.
FICO also offers consulting services to help businesses optimize their data and analytics strategies. Its consulting services cover areas such as data management, predictive modeling, and fraud prevention.
Over the years, FICO has acquired several companies to expand its capabilities and offerings. In 1995, it acquired HNC Software, a provider of neural network-based predictive analytics software. In 2006, FICO acquired London Bridge Group, a risk management software company. In 2015, FICO acquired big data analytics company Infoglide Software.
FICO has received numerous awards and accolades over the years for its innovations and contributions to the field of analytics. In 2019, Forbes listed FICO as one of America's Best Employers for Diversity, and the company was also recognized as a Leader in Gartner's Magic Quadrant for Data Science and Machine Learning Platforms.
Fair Isaac Corporation (FICO) is a prominent analytics software company that offers a comprehensive suite of products and services designed to empower organizations in making data-driven decisions. By leveraging advanced predictive analytics and decision management technologies, FICO aims to help its clients manage risks effectively, enhance operational efficiency, and ultimately improve their financial performance.
Segments
FICO operates through distinct segments that encompass critical areas of business decision-making:
1. Scores:
- FICO Score: This is perhaps FICOs most recognized product and serves as a critical tool for lenders to evaluate the creditworthiness of potential borrowers. The FICO Score ranges from 300 to 850, with higher scores reflecting lower credit risk. Lenders heavily rely on this score to make informed lending decisions.
- FICO Score XD: Designed for consumers who may have little or no credit history, this score offers a more inclusive assessment by considering alternative data sources, allowing lenders to reach a broader audience.
2. Software:
- FICOs software solutions address significant business challenges across various industries. Key areas include:
- Fraud Management: The Falcon Fraud Manager helps organizations detect and mitigate fraud across diverse transaction channels, including payments and online banking.
- Credit Risk Management: FICO Origination Manager enables lenders to assess risk in real-time during the loan origination process, enhancing decision quality.
- Regulatory Compliance: Solutions like FICO Compliance Manager assist organizations in navigating complex regulatory environments to maintain adherence to industry standards.
3. Applications:
- FICO provides specialized applications aimed at addressing specific industry challenges:
- FICO Fraud Detection System: This application employs advanced algorithms to identify potential fraudulent activities across multiple channels effectively.
- FICO Debt Manager: This solution aids creditors in managing delinquent accounts, offering tools for tracking, communication, and resolution strategies.
Products
FICO boasts a diverse array of products designed to aid businesses in risk management, operational analytics, and decision-making:
1. FICO Score: Widely acknowledged as the default standard in consumer credit scoring, it plays a pivotal role in lending assessments.
2. Falcon Fraud Manager: A sophisticated platform that uses real-time analytics to prevent fraud across regular and online transactions, effectively minimizing financial loss.
3. FICO Origination Manager: Streamlines the loan origination process by integrating credit risk assessments, helping lenders optimize their decision-making and reduce default rates.
4. FICO Xpress Optimization: A robust modeling and optimization platform that assists organizations in making data-informed decisions regarding resource allocation and logistics.
5. FICO Decision Management Suite: A comprehensive set of tools enabling businesses to develop and deploy predictive rules and models that guide decision-making across the enterprise.
Services
In addition to its product offerings, FICO provides a variety of services tailored to enhance the effectiveness of its technologies and assist organizations in achieving their objectives:
1. Analytics Advisory Services: FICOs expert advisory team collaborates with businesses to help them leverage predictive modeling, customer segmentation, and risk assessment techniques tailored to their specific needs.
2. Consulting Services: This includes comprehensive support for the implementation of FICOs analytics solutions. The consulting team provides expertise in program management, change management, and technical integration, ensuring that businesses can realize the full potential of the FICO offerings.
3. Education Services: To foster internal capabilities, FICO offers training and certification programs, equipping organizations with the skills necessary to develop and maintain high-performing analytics solutions.
4. Support Services: FICOs dedicated support team is available to assist customers in resolving technical issues swiftly, ensuring ongoing operational reliability and performance of FICO’s software and applications.
Summary
In summary, Fair Isaac Corporation (FICO) stands at the forefront of analytics solutions, offering a well-rounded suite of products and services that empower organizations to effectively manage risk and enhance decision-making processes. By segmenting its offerings into Scores, Software, and Applications, FICO provides tools that are critical for navigating todays complex business landscape. With a commitment to supporting clients through consulting, education, and ongoing support services, FICO helps organizations not only implement but also optimize their analytics capabilities to achieve their strategic goals.
Segments
FICO operates through distinct segments that encompass critical areas of business decision-making:
1. Scores:
- FICO Score: This is perhaps FICOs most recognized product and serves as a critical tool for lenders to evaluate the creditworthiness of potential borrowers. The FICO Score ranges from 300 to 850, with higher scores reflecting lower credit risk. Lenders heavily rely on this score to make informed lending decisions.
- FICO Score XD: Designed for consumers who may have little or no credit history, this score offers a more inclusive assessment by considering alternative data sources, allowing lenders to reach a broader audience.
2. Software:
- FICOs software solutions address significant business challenges across various industries. Key areas include:
- Fraud Management: The Falcon Fraud Manager helps organizations detect and mitigate fraud across diverse transaction channels, including payments and online banking.
- Credit Risk Management: FICO Origination Manager enables lenders to assess risk in real-time during the loan origination process, enhancing decision quality.
- Regulatory Compliance: Solutions like FICO Compliance Manager assist organizations in navigating complex regulatory environments to maintain adherence to industry standards.
3. Applications:
- FICO provides specialized applications aimed at addressing specific industry challenges:
- FICO Fraud Detection System: This application employs advanced algorithms to identify potential fraudulent activities across multiple channels effectively.
- FICO Debt Manager: This solution aids creditors in managing delinquent accounts, offering tools for tracking, communication, and resolution strategies.
Products
FICO boasts a diverse array of products designed to aid businesses in risk management, operational analytics, and decision-making:
1. FICO Score: Widely acknowledged as the default standard in consumer credit scoring, it plays a pivotal role in lending assessments.
2. Falcon Fraud Manager: A sophisticated platform that uses real-time analytics to prevent fraud across regular and online transactions, effectively minimizing financial loss.
3. FICO Origination Manager: Streamlines the loan origination process by integrating credit risk assessments, helping lenders optimize their decision-making and reduce default rates.
4. FICO Xpress Optimization: A robust modeling and optimization platform that assists organizations in making data-informed decisions regarding resource allocation and logistics.
5. FICO Decision Management Suite: A comprehensive set of tools enabling businesses to develop and deploy predictive rules and models that guide decision-making across the enterprise.
Services
In addition to its product offerings, FICO provides a variety of services tailored to enhance the effectiveness of its technologies and assist organizations in achieving their objectives:
1. Analytics Advisory Services: FICOs expert advisory team collaborates with businesses to help them leverage predictive modeling, customer segmentation, and risk assessment techniques tailored to their specific needs.
2. Consulting Services: This includes comprehensive support for the implementation of FICOs analytics solutions. The consulting team provides expertise in program management, change management, and technical integration, ensuring that businesses can realize the full potential of the FICO offerings.
3. Education Services: To foster internal capabilities, FICO offers training and certification programs, equipping organizations with the skills necessary to develop and maintain high-performing analytics solutions.
4. Support Services: FICOs dedicated support team is available to assist customers in resolving technical issues swiftly, ensuring ongoing operational reliability and performance of FICO’s software and applications.
Summary
In summary, Fair Isaac Corporation (FICO) stands at the forefront of analytics solutions, offering a well-rounded suite of products and services that empower organizations to effectively manage risk and enhance decision-making processes. By segmenting its offerings into Scores, Software, and Applications, FICO provides tools that are critical for navigating todays complex business landscape. With a commitment to supporting clients through consulting, education, and ongoing support services, FICO helps organizations not only implement but also optimize their analytics capabilities to achieve their strategic goals.