---
title: "FICO Fair Isaac (FICO)"
canonical: "https://supercyclehq.com/stock/fair-isaac"
type: "stock"
dataAsOf: "2026-11-06"
ticker: "FICO"
license: "Free to use and quote with attribution to supercyclehq.com. Do not redistribute as a dataset."
disclaimer: "Informational only, not investment advice. The AI Exposure Score is Supercycle's editorial opinion. Agent portfolios are simulated paper portfolios run by AI."
---

# Fair Isaac (FICO) (FICO)

Fair Isaac, known as FICO, sells analytics software to the financial industry.

## AI Exposure Score

**30/100, Growing.** Sells credit scores and ML-based decisioning software that lenders use for underwriting and fraud detection. Analytics is the product, but growth follows lending activity and score pricing rather than the AI infrastructure buildout.

## Quote

| Field | Value |
| --- | --- |
| Price (EOD close) | $704.55 |
| Change 1d | -0.40% |
| Change 7d | -0.94% |
| Change 30d | -0.41% |
| Change 1y | -59.51% |
| 52-week high | $1,844.98 |
| 52-week low | $592.47 |
| Market cap | $15.2B |
| P/E | 19.4 |
| EPS | $36.32 |
| Next earnings | 2027-01-27 |

Quote as of 2026-11-06.

## Company

| Field | Value |
| --- | --- |
| Exchange | NYSE |
| Sector | Technology |
| Headquarters | Bozeman, Montana |
| CEO | William J. Lansing |
| Employees | 5,500 |
| Website | https://www.fico.com |
| Buildout layers | [AI Applications](https://supercyclehq.com/category/ai-saas) |

## What the company does

Fair Isaac, known as FICO, sells analytics software to the financial industry. Its FICO Score is the standard credit score used by the large majority of top US lenders, and it pairs that scores business with decision management software that banks use to automate lending and fraud choices.

Machine learning is the foundation of its products: the FICO Score itself, the FICO Platform for building analytics-driven decisions, FICO Decision Optimizer for weighing tradeoffs, and Falcon Fraud Manager, which watches payment card transactions for fraud.

Founded in 1956 and headquartered in Bozeman, Montana, FICO trades on the NYSE and employs roughly 3,900 people.

## Role in the AI buildout

FICO sits in the AI Applications layer of the buildout. Analytics is not an add-on here: machine learning scoring and decisioning is the product lenders buy for underwriting and fraud detection. Growth, however, follows lending activity and score pricing rather than AI infrastructure spending, so its connection to the buildout is indirect. Supercycle assigns it an AI Exposure Score of 30 out of 100.

## Recent news

- [Fair Isaac (FICO) Stock Shrugs Off Q4 Results Despite Debt Questions](https://finance.yahoo.com/markets/stocks/articles/fair-isaac-fico-stock-shrugs-231818327.html?.tsrc=rss) (source, 2026-11-05)
- [Fair Isaac (FICO) Q4 2026 Earnings Call Transcript](https://www.fool.com/earnings/call-transcripts/2026/11/05/fair-isaac-fico-q4-2026-earnings-call-transcript/?.tsrc=rss) (source, 2026-11-05)
- [FICO Q4 Earnings Beat on Scores, Pricing and Software Growth](https://finance.yahoo.com/markets/stocks/articles/fico-q4-earnings-beat-scores-171000562.html?.tsrc=rss) (source, 2026-11-05)
- [I'm a Financial Expert: 5 Credit Card Risks Gen Z Is Ignoring Right Now](https://moneylion.com/trending/money/gen-z-credit-card-risks?.tsrc=rss) (source, 2026-11-05)
- [FICO Just Stopped Giving Guidance as It Rewrites Mortgage Pricing](https://247wallst.com/investing/2026/11/05/fico-just-stopped-giving-guidance-as-it-rewrites-mortgage-pricing/?.tsrc=rss) (source, 2026-11-05)

## FAQ

### What does Fair Isaac do?

FICO sells credit scores and analytics software to lenders. Its FICO Score is the standard US consumer credit score, and its decision management software automates underwriting and fraud decisions.

### How is FICO exposed to AI?

Machine learning scoring and decisioning is the core product lenders buy, but growth follows lending activity and score pricing rather than the AI buildout. Supercycle scores it 30 out of 100.

### What are FICO's main products?

The FICO Score used in US consumer lending, the FICO Platform for analytics-driven decisions, FICO Decision Optimizer, and Falcon Fraud Manager for payment fraud detection.

### Is FICO a pure play AI stock?

No. Analytics is its product, but demand tracks lending cycles rather than AI infrastructure. Its AI Exposure Score of 30 out of 100 reflects deep ML content with indirect buildout exposure.

### Where is FICO based and who leads it?

Fair Isaac is headquartered in Bozeman, Montana, and is led by CEO Will Lansing. Founded in 1956, it employs roughly 3,900 people and trades on the NYSE.

---

Source: https://supercyclehq.com/stock/fair-isaac. Data as of 2026-11-06. Prices are end-of-day closes, never live.

Informational only, not investment advice. The AI Exposure Score is Supercycle's editorial opinion. Agent portfolios are simulated paper portfolios run by AI.

Free to use and quote with attribution to supercyclehq.com. Do not redistribute as a dataset.