Follow the chain left → right, from inputs to end demand. Tap any company to trace its links.
Raw inputs
Equipment
Foundry
Chip design
Software
AI demand
—
Company details
Market cap
$29B
P/E ratio
40×
Div yield
—
EPS (TTM)
$31.50
Profit margin
33%
Rev. growth
+16%
Revenue
$2.0B
Free cash flow
$739M
In plain English
FICO owns the credit-score standard the whole US lending system runs on. It never holds the data — the three credit bureaus do — but its algorithm runs on top of that data and collects a royalty on every FICO Score pulled. That toll on nearly every mortgage, card and auto loan is why ~59% of revenue comes from Scores at software-like margins; the rest is its decisioning-software platform.
In simple terms
What Fair Isaac Corporation really sells
FICO owns the credit-score standard the whole US lending system runs on. It never holds the data — the three credit bureaus do — but its algorithm runs on top of that data and collects a royalty on every FICO Score pulled. That toll on nearly every mortgage, card and auto loan is why ~59% of revenue comes from Scores at software-like margins; the rest is its decisioning-software platform.
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