fair isaac

Fair Isaac Corporation, commonly known as FICO, is an American analytics and decision-management company best known for creating the FICO Score, one of the most widely used measures of consumer credit risk in the United States. The company was founded in 1956 and is headquartered in Bozeman, Montana.

Its business is built around two main areas: Scores and Software. The Scores segment includes the credit scoring products used by lenders, along with consumer products such as myFICO. The Software segment provides analytics, decisioning, and platform tools that help banks and other organizations make better decisions in areas like lending, fraud detection, and customer management.

In simple terms, Fair Isaac is a company that helps financial institutions and other businesses measure risk and make data-driven decisions. It is especially well known because its scoring system plays a major role in how lenders evaluate borrowers for products such as credit cards, auto loans, and mortgages.

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While banks like J.P. Morgan and Wells Fargo (see page 101) should make up the bulk of your Finance sector holdings, we also recommend adding niche financial services stocks like these two.


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Fair Isaac is a Power Buy for our subscribers thanks to its gains of 97.4% over the last year and a whopping 12,788.2% since we first recommended it.
ACI Worldwide and Fair Isaac have winning business models, especially in today’s expanding financial markets. We believe that will lead to strong growth in future years. Both are hitting new highs, but we still see them as buys.


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ACI Worldwide and Fair Isaac both have winning business models in expanding markets. We believe that will lead to strong growth in future years. Both are buys.


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Shares of Fair Isaac have risen 84.8% for our subscribers over the last year—and a whopping 9,413.5% since we first recommended the stock in our February 1999 issue at $13.60 a share (split adjusted)! That said, we think the shares have room to move much higher.


The company plays a key role for lenders making mortgage underwriting decisions....
Fair Isaac is a Power Buy for our subscribers thanks to its gains of 91.5% over the last year and a whopping 9,616.5% since we first recommended it.
FAIR ISAAC CORP., $1,255.30, is a buy for our subscribers. Investors in this stock draw gains from a company (symbol FICO on New York) best known for its FICO Scores software. It lets lenders make better decisions about customer creditworthiness. Fair Isaac also makes programs that help credit-card issuers reduce fraud and analyze the spending patterns of cardholders.

For the quarter ended December 31, 2023, revenue rose 10.8%, to $382.1 million from $344.9 million a year earlier....