What is the 13F Pro Quality Score for FICO?

13F Pro ranks FAIR ISAAC CORP (FICO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FICO's current score at https://13fpro.ai/research/FICO (free sign-up required for the full ranking).

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.

What sector is FICO in?

FAIR ISAAC CORP (FICO) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

How often is FICO research updated on 13F Pro?

FICO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FAIR ISAAC CORP(FICO)Stock Analysis

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13F Pro Quality Score

75.6/100

Rank #121 of 2,879 stocksTOP 5%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

74.5/100

Profitability

92.2/100

Balance Sheet

99.1/100

Earnings Quality

68.9/100

Free Cash Flow

88.8/100

Institutional Flow

6.8/100

Revenue Scale

62.3/100

Dilution Risk

19.9/100

FICO Stock Analysis & AI Quality Score

AI stock analysis and institutional research for FAIR ISAAC CORP (FICO), a Technology sector company. 13F Pro's AI-powered ranking engine scores FICO at 75.6/100 on a 32-signal composite quality model, placing it at rank #121 of 2,879 stocks — the top 5% of the AI-ranked universe. FICO scores in the top quartile across balance sheet strength (99.1), profitability (92.2), free cash flow (88.8). Areas of concern include institutional flow (6.8), which score below median versus the broader universe. Shareholder dilution risk is elevated at 19.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), FAIR ISAAC CORP reports quarterly revenue of $691.7M, net income of $264.5M, an operating margin of 58.2%. Top institutional holders of FICO by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, VANGUARD PORTFOLIO MANAGEMENT, 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. FAIR ISAAC CORP's 13F Pro composite quality score has ranged between 8 and 81 since 2021, currently 75.6 — a stable long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about FAIR ISAAC CORP

Quirks, history, and lore behind FICO — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. analytics software company · mid-cap · listed on NYSE · headquartered in Montana.
2
The Numbers
Annual revenue of roughly $1.7 billion, with operating margins that have expanded dramatically as it shifted to a software-as-a-service model — Wall Street loves the transition.
3
The History
Founded in 1956 by an engineer and a mathematician, it spent decades quietly selling decision-management software to banks and insurers before most people had ever heard of it.
4
The Secret
Its core product is a three-digit number that determines whether you get a loan, what interest rate you pay, and frankly how much of a financial adult lenders think you are.
5
The Lore
Roughly 90% of top U.S. lenders use its scoring models, and its algorithm has been called the most consequential consumer math in America — yet most people couldn't name the company behind it.
6
The Giveaway
Your credit score — that number between 300 and 850 that haunts every mortgage application — almost certainly has FICO's fingerprints all over it.

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Revenue

Q2 2026

$691.7M

Net Income

Q2 2026

$264.5M

Free Cash Flow

Q2 2026

$223.1M

Operating Margin

Q2 2026

58.2%

ROIC

Q2 2026

26.2%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+9.9% YoY

$1.51BFY 2023

FY20 $1.29BFY21 $1.32BFY22 $1.38BFY23 $1.51B

Net Income

+14.9% YoY

$429.4MFY 2023

FY20 $236.4MFY21 $392.1MFY22 $373.5MFY23 $429.4M

Operating Income

+18.5% YoY

$642.8MFY 2023

FY20 $296.0MFY21 $505.5MFY22 $542.4MFY23 $642.8M

EPS (Diluted)

+19.4% YoY

$16.93FY 2023

FY20 $7.90FY21 $13.40FY22 $14.18FY23 $16.93

Total Assets

+9.2% YoY

$1.58BFY 2023

FY20 $1.61BFY21 $1.57BFY22 $1.44BFY23 $1.58B

Total Debt

+0.4% YoY

$1.86BFY 2023

FY20 $834.4MFY21 $1.26BFY22 $1.85BFY23 $1.86B

Op. Cash Flow

-8.0% YoY

$468.9MFY 2023

FY20 $364.9MFY21 $423.8MFY22 $509.4MFY23 $468.9M

Metric	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Revenue	$1.51B +9.9%	$1.38B +4.6%	$1.32B +1.7%	$1.29B +11.6%	$1.16B +12.4%	$1.03B
Net Income	$429.4M +14.9%	$373.5M -4.7%	$392.1M +65.8%	$236.4M +23.1%	$192.1M +51.9%	$126.5M
Operating Income	$642.8M +18.5%	$542.4M +7.3%	$505.5M +70.8%	$296.0M +16.7%	$253.5M +44.6%	$175.4M
EPS (Diluted)	$16.93 +19.4%	$14.18 +5.8%	$13.40 +69.6%	$7.90 +24.6%	$6.34 +56.2%	$4.06
Total Assets	$1.58B +9.2%	$1.44B -8.0%	$1.57B -2.4%	$1.61B +12.1%	$1.43B +7.7%	$1.33B
Total Debt	$1.86B +0.4%	$1.85B +47.2%	$1.26B +50.9%	$834.4M +1.2%	$824.8M +8.0%	$763.9M
Operating Cash Flow	$468.9M -8.0%	$509.4M +20.2%	$423.8M +16.1%	$364.9M +40.2%	$260.4M +16.7%	$223.1M

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Available Research

13F Pro tracks comprehensive data for FAIR ISAAC CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FICO

BlackRock, Inc.
$2.3B2,186,987 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.6B1,502,394 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.3B1,255,488 sh
Capital Research Global Investors
$1.2B1,119,457 sh
STATE STREET CORP
$1.1B1,043,493 sh
Valley Forge Capital Management, LP
$821.3M769,342 sh
GEODE CAPITAL MANAGEMENT, LLC
$786.5M737,455 sh
Capital World Investors
$782.1M732,665 sh
Capital International Investors
$757.0M709,120 sh
MORGAN STANLEY
$645.5M604,697 sh

Fund	Value	Shares
BlackRock, Inc.	$2.3B	2,186,987
VANGUARD CAPITAL MANAGEMENT LLC	$1.6B	1,502,394
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.3B	1,255,488
Capital Research Global Investors	$1.2B	1,119,457
STATE STREET CORP	$1.1B	1,043,493
Valley Forge Capital Management, LP	$821.3M	769,342
GEODE CAPITAL MANAGEMENT, LLC	$786.5M	737,455
Capital World Investors	$782.1M	732,665
Capital International Investors	$757.0M	709,120
MORGAN STANLEY	$645.5M	604,697

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Is FICO a good stock to buy?

13F Pro's AI-powered analysis of FAIR ISAAC CORP (FICO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FICO are available on the FICO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FICO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FICO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FAIR ISAAC CORP's investment landscape.