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/company/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.

What are FICO's largest expenses?

FAIR ISAAC CORP's latest 10-Q reports these as the largest expense items: Selling, general and administrative ($170.8M, +23% YoY); Cost of revenues ($87.0M, -1% YoY); Research and development ($53.7M, +14% YoY). Sourced directly from SEC EDGAR filing text for Q3 FY2026 (quarter ended June 30, 2026).

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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SEC EDGAR: CIK 814547 FICO stock profile & AI dashboard →

13F Pro Quality Score

77.7/100

Rank #62 of 2,961 stocksTOP 5%

View Technology peers →

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

Revenue Growth

79.8/100

Profitability

92.6/100

Balance Sheet

99.2/100

Earnings Quality

47.3/100

Free Cash Flow

91.8/100

Institutional Flow

93.6/100

Revenue Scale

65.9/100

Dilution Risk

19.2/100

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Why FICO Scores 78/100

exact factor attribution · 2026-09-11

FICO's composite is driven by profitability and free cash flow, held back by shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+6.4 pts

93th pct

Free cash flow

+6.3 pts

92th pct

Revenue growth

+6.0 pts

80th pct

Capital efficiency

+4.9 pts

99th pct

Scale

+2.4 pts

66th pct

Institutional flow

+2.2 pts

94th pct

Earnings growth

+1.4 pts

78th pct

Earnings quality

-0.3 pts

47th pct

Shareholder dilution

-1.5 pts

19th pct

Latest change (2026-07-31): 76 → 75 · ↓ Revenue growth 74→66

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FICO Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 77.7/100 on a 32-signal composite quality model, placing it at rank #62 of 2,961 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), profitability (92.6). Shareholder dilution risk is elevated at 19.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), FAIR ISAAC CORP reports quarterly revenue of $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. FAIR ISAAC CORP's 13F Pro composite quality score has ranged between 63 and 81 since 2021, currently 77.7 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

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

✓ 45/45 datapoints verified

AI-extracted from FAIR ISAAC CORP's 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 →Share on X

Revenue

Q2 2026

$674.2M

Net Income

Q2 2026

$237.2M

Free Cash Flow

Q2 2026

$379.6M

Operating Margin

Q2 2026

53.8%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+15.9% YoY

$1.99BFY 2025

FY22 $1.38BFY23 $1.51BFY24 $1.72BFY25 $1.99B

Net Income

+27.1% YoY

$651.9MFY 2025

FY22 $373.5MFY23 $429.4MFY24 $512.8MFY25 $651.9M

Operating Income

+26.1% YoY

$924.9MFY 2025

FY22 $542.4MFY23 $642.8MFY24 $733.6MFY25 $924.9M

EPS (Diluted)

+29.8% YoY

$26.54FY 2025

FY22 $14.18FY23 $16.93FY24 $20.45FY25 $26.54

Total Assets

+8.7% YoY

$1.87BFY 2025

FY22 $1.44BFY23 $1.58BFY24 $1.72BFY25 $1.87B

Total Debt

+56.4% YoY

$3.46BFY 2025

FY22 $1.85BFY23 $1.86BFY24 $2.21BFY25 $3.46B

Op. Cash Flow

+23.0% YoY

$778.8MFY 2025

FY22 $509.4MFY23 $468.9MFY24 $633.0MFY25 $778.8M

Free Cash Flow

+23.4% YoY

$769.9MFY 2025

FY22 $503.4MFY23 $464.7MFY24 $624.1MFY25 $769.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.99B +15.9%	$1.72B +13.5%	$1.51B +9.9%	$1.38B +4.6%	$1.32B +1.7%	$1.29B
Net Income	$651.9M +27.1%	$512.8M +19.4%	$429.4M +14.9%	$373.5M -4.7%	$392.1M +65.8%	$236.4M
Operating Income	$924.9M +26.1%	$733.6M +14.1%	$642.8M +18.5%	$542.4M +7.3%	$505.5M +70.8%	$296.0M
EPS (Diluted)	$26.54 +29.8%	$20.45 +20.8%	$16.93 +19.4%	$14.18 +5.8%	$13.40 +69.6%	$7.90
Total Assets	$1.87B +8.7%	$1.72B +9.1%	$1.58B +9.2%	$1.44B -8.0%	$1.57B -2.4%	$1.61B
Total Debt	$3.46B +56.4%	$2.21B +18.7%	$1.86B +0.4%	$1.85B +47.2%	$1.26B +49.0%	$845.0M
Operating Cash Flow	$778.8M +23.0%	$633.0M +35.0%	$468.9M -8.0%	$509.4M +20.2%	$423.8M +16.1%	$364.9M
Free Cash Flow	$769.9M +23.4%	$624.1M +34.3%	$464.7M -7.7%	$503.4M +20.9%	$416.2M +21.4%	$342.9M

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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.
$2.5B2,085,336 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.8B1,477,322 sh
Capital Research Global Investors
$1.5B1,296,893 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.5B1,255,104 sh
Capital International Investors
$1.5B1,247,685 sh
STATE STREET CORP
$1.3B1,054,495 sh
GEODE CAPITAL MANAGEMENT, LLC
$873.7M731,782 sh
Capital World Investors
$855.4M715,987 sh
Valley Forge Capital Management, LP
$803.1M672,186 sh
MORGAN STANLEY
$692.6M579,682 sh

Fund	Value	Shares
BlackRock, Inc.	$2.5B	2,085,336
VANGUARD CAPITAL MANAGEMENT LLC	$1.8B	1,477,322
Capital Research Global Investors	$1.5B	1,296,893
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.5B	1,255,104
Capital International Investors	$1.5B	1,247,685
STATE STREET CORP	$1.3B	1,054,495
GEODE CAPITAL MANAGEMENT, LLC	$873.7M	731,782
Capital World Investors	$855.4M	715,987
Valley Forge Capital Management, LP	$803.1M	672,186
MORGAN STANLEY	$692.6M	579,682

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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. FICO is classified as a large company.

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.