How does Fair Isaac (FICO) make money?

Fair Isaac (FICO) primarily makes money through Scores, which accounts for 60% of total revenue. For TTM through Q1 2026, Fair Isaac generated $2.26B in total revenue with a net profit margin of 33.7%.

What is Fair Isaac (FICO) gross profit margin?

Fair Isaac (FICO) reported a gross profit margin of 84.2% for TTM through Q1 2026, equivalent to $1.90B in gross profit. This means Fair Isaac retains 84.2% of each revenue unit after direct costs of production.

What is Fair Isaac (FICO) operating profit margin?

Fair Isaac (FICO) reported an operating profit margin of 50.4% for TTM through Q1 2026, equivalent to $1.14B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.

What is Fair Isaac (FICO) net profit margin?

Fair Isaac (FICO) reported a net profit margin of 33.7% for TTM through Q1 2026, equivalent to $759.63M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.

How much does Fair Isaac (FICO) invest in R&D?

Fair Isaac (FICO) invested $201.99M in research and development in TTM through Q1 2026 (9.0% of total revenue). R&D spending reflects investment in future products, services, and technologies.

How much does Fair Isaac (FICO) spend on capital expenditures?

Fair Isaac (FICO) spent $14.65M on capital expenditures in TTM through Q1 2026 (0.6% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.

What is Fair Isaac (FICO) free cash flow?

Fair Isaac (FICO) generated $892.68M in free cash flow for TTM through Q1 2026 (39.6% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.

What is Fair Isaac (FICO) effective tax rate?

Fair Isaac (FICO) had an effective tax rate of 23.1% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.

How Fair Isaac (FICO) Makes Money: A Visual Guide

Fair Isaac (FICO) generated $2.26B in revenue, earning $759.63M in net profit (33.7% margin). Its largest revenue source is Scores (60% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.

Fair Isaac (FICO) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported January 28, 2026).

Frequently asked questions

How does Fair Isaac (FICO) make money?: Fair Isaac (FICO) primarily makes money through Scores, which accounts for 60% of total revenue. For TTM through Q1 2026, Fair Isaac generated $2.26B in total revenue with a net profit margin of 33.7%.
What is Fair Isaac (FICO) gross profit margin?: Fair Isaac (FICO) reported a gross profit margin of 84.2% for TTM through Q1 2026, equivalent to $1.90B in gross profit. This means Fair Isaac retains 84.2% of each revenue unit after direct costs of production.
What is Fair Isaac (FICO) operating profit margin?: Fair Isaac (FICO) reported an operating profit margin of 50.4% for TTM through Q1 2026, equivalent to $1.14B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Fair Isaac (FICO) net profit margin?: Fair Isaac (FICO) reported a net profit margin of 33.7% for TTM through Q1 2026, equivalent to $759.63M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Fair Isaac (FICO) invest in R&D?: Fair Isaac (FICO) invested $201.99M in research and development in TTM through Q1 2026 (9.0% of total revenue). R&D spending reflects investment in future products, services, and technologies.
How much does Fair Isaac (FICO) spend on capital expenditures?: Fair Isaac (FICO) spent $14.65M on capital expenditures in TTM through Q1 2026 (0.6% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Fair Isaac (FICO) free cash flow?: Fair Isaac (FICO) generated $892.68M in free cash flow for TTM through Q1 2026 (39.6% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Fair Isaac (FICO) effective tax rate?: Fair Isaac (FICO) had an effective tax rate of 23.1% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.

Data & methodology

What is a Sankey diagram?: A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?: We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
When was this data last updated?: Based on company filings through TTM through Q1 2026.