How does Fair Isaac (FICO) make money?

Fair Isaac (FICO) generates revenue primarily from Scores, which accounted for 62.7% of total revenue in TTM through Q1 2026. The company reported $2.26B in revenue and converted 33.7% of it into net profit, equivalent to roughly $759.63M in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Fair Isaac (FICO)?

Fair Isaac (FICO) reported a gross profit margin of 84.2% in TTM through Q1 2026, equivalent to $1.90B in gross profit on $2.26B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Fair Isaac (FICO)?

Fair Isaac (FICO) reported an operating profit margin of 50.4% in TTM through Q1 2026, equivalent to $1.14B in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Fair Isaac (FICO)?

Fair Isaac (FICO) reported a net profit margin of 33.7% in TTM through Q1 2026, equivalent to $759.63M in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Fair Isaac (FICO) profitable?

Yes. Fair Isaac (FICO) reported $759.63M in net income for TTM through Q1 2026, with a net profit margin of 33.7%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Fair Isaac (FICO) invest in research and development?

Fair Isaac (FICO) invested $201.99M in research and development during TTM through Q1 2026, roughly 9.0% of total revenue. R&D spending funds the company's future product pipeline and is expensed in full on the income statement rather than capitalised, which makes the operating margin sensitive to how aggressively management chooses to reinvest in innovation.

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

Fair Isaac (FICO) spent $14.65M on capital expenditures (CapEx) during TTM through Q1 2026, roughly 0.6% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Fair Isaac (FICO) generate?

Fair Isaac (FICO) generated $892.68M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 39.6%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Fair Isaac (FICO)?

Fair Isaac (FICO) had an effective tax rate of 23.1% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Fair Isaac (FICO)?

Fair Isaac (FICO) reports revenue across 3 reportable product segments, led by Scores at 62.7% of total revenue in TTM through Q1 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

Where does Fair Isaac (FICO) generate most of its revenue?

Americas is the largest geographic market for Fair Isaac (FICO), accounting for 62% of revenue in the most recent annual filing. The complete regional split — including international markets and any Rest-of-World rollup — is shown in the revenue-by-geography table on this page.

How Fair Isaac Makes Money: 2026 Visual Revenue Map

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

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

Fair Isaac (FICO) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Fair Isaac (FICO) in TTM through Q1 2026.
Segment	Revenue (USD)	% of total
Scores	$1.42B	62.7%
Applications	$628.33M	27.9%
Software	$212.11M	9.4%
Total	$2.26B	100%

Scores$1.42B
Applications$628.33M
Software$212.11M
Total$2.26B

Fair Isaac (FICO) Revenue by Geography — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported regions changed mid-year.

Revenue contribution by geographic region for Fair Isaac (FICO), TTM through Q1 2026
Region	Revenue (USD)	% of total
Americas	$2.00B	62%
UNITED STATES	$967.80M	30%
EMEA	$166.37M	5.2%
Asia Pacific	$90.62M	2.8%
Total	$3.22B	100%

Americas
UNITED STATES
EMEA
Asia Pacific
Total

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, Fair Isaac (FICO) reports revenue across 3 operating segments; the largest segment was Scores at 62.7%, followed by Applications (27.9%) and Software (9.4%). Separately, by end-market geography, Americas accounted for 62% of revenue, followed by UNITED STATES (30%) and EMEA (5.2%).

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