Fair Isaac Corporation, better known as FICO, offers analytical tools, software and solutions that help in making informed decisions.

Bozeman, MT-based FICO serves a diversified end-market that includes the likes of banks, credit card issuers, insurers, retailers, telecommunication providers, automotive lenders, consumer reporting agencies and public agencies.

Through FICO’s online services consumers can access and understand their FICO Scores, which is a standard measure of consumer credit risk in the United States. The FICO Score, which is a three-digit number ranging from 300-850, helps consumers manage their financial health.

FICO reported revenues of $1.9 billion in fiscal 2025. It has two operating segments, Scores and Software.

The Scores segment includes business-to-business (B2B) and business-to-consumer (B2C) scoring solutions. While B2B Scores are distributed through major consumer reporting agencies globally, B2C is sold directly to consumers through myFICO.com and other direct-to-consumer channels.

FICO Scores are generated by using FICO’s proprietary analytic algorithms on credit data collected and maintained by the three U.S. national consumer reporting agencies, Experian, TransUnion and Equifax. This score is then used across the credit lifecycle. Users of the Scores generally pay the consumer reporting agencies a fee, while the consumer reporting agencies pay an associate fee to FICO.

FICO launched its updated Scores, FICO Score 10 and 10T, in January 2020. FICO Score 9 and FICO Score 8 remain the most distributed scores currently.

The Software segment addresses business consumer needs in terms of customer engagement, including acquisition and pricing, onboarding, servicing and management, and fraud protections in more than 100 countries. FICO Software can be deployed in the cloud using third-party cloud services or on-premise using clients’ IT infrastructure.

Most of FICO’s solutions run on the FICO Platform, which offers an analytic and decisioning environment and is based on a modular cloud architecture. Annual Recurring Revenue (ARR) from FICO Platform-based products was $227 million as of Sep 30, 2024, which accounted for 31% of FICO’s total software ARR.