FICO is the ticker symbol for FAIR ISAAC CORP, a publicly traded Technology sector company listed on NYSE. 13F Pro tracks FICO with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is FICO a good stock to buy?

13F Pro's AI ranking engine scores FICO at 77.8/100, ranked #59 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for FICO is available at https://13fpro.ai/company/FICO. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source FICO data?

All FAIR ISAAC CORP fundamentals and ownership data come directly from SEC EDGAR. FAIR ISAAC CORP files with the SEC under CIK 814547. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

FAIR ISAAC CORP FICO

NYSELarge CapTechnology

13F Pro quality score

Rank #59 of 2,925TOP 5%

Why it scores 78 Technology peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$674.19M

Quarter to Jun 30

Net income

$237.17M

Quarter to Jun 30

Free cash flow

$379.58M

Quarter to Jun 30

Operating margin

53.8%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$25.71B total

BlackRock, Inc.

$2.49B-4.6%

VANGUARD CAPITAL MANAGEMENT LLC

$1.77B-1.7%

Capital Research Global Investors

$1.55B+15.9%

VANGUARD PORTFOLIO MANAGEMENT LLC

$1.50B0.0%

Capital International Investors

$1.49B+75.9%

STATE STREET CORP

$1.26B+1.1%

GEODE CAPITAL MANAGEMENT, LLC

$873.73M-0.8%

Capital World Investors

$855.45M-2.3%

Valley Forge Capital Management, LP

$803.11M-12.6%

MORGAN STANLEY

$692.60M-4.1%

PRINCIPAL FINANCIAL GROUP INC

$496.82M-1.7%

KENSICO CAPITAL MANAGEMENT CORP

$446.25M-3.0%

PRIMECAP MANAGEMENT CO/CA/

$433.51M+25.5%

AKRE CAPITAL MANAGEMENT LLC

$432.30M-0.5%

EDGEWOOD MANAGEMENT LLC

$409.59M-36.2%

ARROWSTREET CAPITAL, LIMITED PARTNERSHIP

$397.06M+88.9%

Invesco Ltd.

$339.33M+14.0%

UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AME

$311.41M-12.0%

NORTHERN TRUST CORP

$273.57M+3.6%

AMERICAN CENTURY COMPANIES INC

$272.69M-11.8%

Lindsell Train Ltd

$270.24M-9.3%

VAN ECK ASSOCIATES CORP

$267.39M+95.0%

GOLDMAN SACHS GROUP INC

$251.28M+66.6%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$237.81M+6.4%

Heard Capital LLC

$233.61M+9.6%

See all 850 institutional holders →

What's Driving FICO's Business? Latest 10-Q Breakdown

45/45 datapoints verified

AI-extracted from the 10-Q filed 2026-07-29 — Q3 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total revenues rose 26% to $674.2 million as Scores jumped 41% to $458.9 million on higher mortgage origination scores unit price, while Software grew just 2%.

Biggest Revenue Drivers

Scores$458.9M+41% YoY

Increase in business-to-business scores revenue primarily attributable to a higher mortgage origination scores unit price

Software$215.3M+2% YoY

On-premises and SaaS software up $9.1M, partially offset by a $5.9M decrease in professional services revenue

Biggest Revenue Drivers

Total revenue: $674.2M+26% YoY

Scores$458.9M+41% YoY

Increase in business-to-business scores revenue primarily attributable to a higher mortgage origination scores unit price

Within Scores

Business-to-business Scores$400.0M87% of Scores revenue

Increased $131.6 million on higher mortgage origination scores unit price

Business-to-consumer Scores$58.9M13% of Scores revenue

Increased $3.0 million on higher royalties from scores sold indirectly to consumers through credit reporting agencies

Software$215.3M+2% YoY

On-premises and SaaS software up $9.1M, partially offset by a $5.9M decrease in professional services revenue

Within Software

Platform software$101.8M52% of on-premises and SaaS software rev

SaaS growth for Platform products drove revenue recognized over time

Largest Expense Items

Selling, general and administrative$170.8M+23% YoY

$25.6M increase in personnel and labor costs and $6.1M increase in marketing and other costs

Cost of revenues$87.0M-1% YoY

Remained consistent quarter-over-prior year quarter; fell to 13% of revenues from 16%

Research and development$53.7M+14% YoY

$5.4M increase in infrastructure and facilities costs and $2.2M increase in personnel and labor costs

Interest expense, net$59.9M+82% YoY

Higher average outstanding debt balance from 2025 and 2026 Senior Notes and the $1.5 billion term loan

Margins: Cost of revenues fell to 13% of revenues from 16% on increased sales of higher-margin Scores products. Scores segment operating margin rose to 91% from 88%; Software margin fell to 26% from 32%.

Watch Items from the Filing

Experian, TransUnion and Equifax collectively generated 63% of total revenues this quarter, up from 54%, each contributing more than 10%.
Total debt reached $5.6 billion versus $3.1 billion at September 30, 2025; stockholders' deficit widened to $4.1 billion after $2.3 billion of quarterly buybacks.
Non-platform ARR fell 17% YoY to $403.0 million with non-platform DBNRR of 82%, offsetting platform ARR growth of 62% to $412.8 million.
Software segment operating income fell 19% to $55.0 million; professional services revenue declined 24% to $18.3 million.
Consolidated antitrust class action in Northern District of Illinois proceeds on a Sherman Act Section 2 claim; no material exposure determined, amount unquantified.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q3 2026

EDGAR

Net Income

Q3 2026

EDGAR

EPS (Diluted)

Q3 2026

EDGAR

Operating Margin

Q3 2026

EDGAR

ROIC

Q3 2026

EDGAR

Free Cash Flow

Q3 2026

EDGAR

Debt/Equity

Q3 2026

EDGAR

Financial Trends

Revenue & Net Income

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Earnings Per Share

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FAIR ISAAC CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating margin
FY 2025	10-K	$2.0B	$651.9M	46.5%
FY 2024	10-K	$1.7B	$512.8M	42.7%
FY 2023	10-K	$1.5B	$429.4M	42.5%
FY 2022	10-K	$1.4B	$373.5M	39.4%
FY 2021	10-K	$1.3B	$392.1M	38.4%
FY 2020	10-K	$1.3B	$236.4M	22.9%

About FAIR ISAAC CORP (FICO): stock profile, AI score and financials

FAIR ISAAC CORP (FICO) stock profile, AI quality score, and SEC EDGAR financial data, a Technology sector company. 13F Pro's AI-powered ranking engine scores FICO at 77.8/100 on a composite quality score built from its SEC filings, placing it at rank #59 of 2,925 stocks — the top 5% of the AI-ranked universe. FICO scores in the top quartile across balance sheet strength (99.2), institutional flow (93.6), free cash flow (92.2). Shareholder dilution risk is elevated at 18.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q3 2026), FAIR ISAAC CORP reports quarterly revenue of $674.2M, net income of $237.2M, an operating margin of 53.8%. Top institutional holders of FICO by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, Capital Research Global Investors, based on the most recent SEC filings. FICO trades on the NYSE exchange and files with the SEC under CIK 814547. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FICO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FAIR ISAAC CORP directly from SEC EDGAR.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 814547 →

FAIR ISAAC CORP FICO

Top Institutional Holders

What's Driving FICO's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

FICO key financials by period

FICO insiders

Congress trading in FICO

About FAIR ISAAC CORP (FICO): stock profile, AI score and financials

FAIR ISAAC CORP FICO

Top Institutional Holders

What's Driving FICO's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

FICO key financials by period

Companies similar to FICO

FICO insiders

Congress trading in FICO

About FAIR ISAAC CORP (FICO): stock profile, AI score and financials