How does Fair Isaac (FICO) make money?

Fair Isaac (FICO) generates revenue primarily from Scores, which accounted for 64.8% of total revenue in TTM through Q2 2026. The company reported $2.39B in revenue and converted 34.1% of it into net profit, equivalent to roughly $815M 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 85.1% in TTM through Q2 2026, equivalent to $2.04B in gross profit on $2.39B 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 51.7% in TTM through Q2 2026, equivalent to $1.24B 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 34.1% in TTM through Q2 2026, equivalent to $815M 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 $815M in net income for TTM through Q2 2026, with a net profit margin of 34.1%. 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 $208M in research and development during TTM through Q2 2026, roughly 8.7% 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 $5.53M on capital expenditures (CapEx) during TTM through Q2 2026, roughly 0.2% 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 $996M in free cash flow during TTM through Q2 2026, a free-cash-flow margin of 41.6%. 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 23.5% in TTM through Q2 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 2 reportable product segments, led by Scores at 64.8% of total revenue in TTM through Q2 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 54.7% 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 Q2 2026

Calculated from the four most recent reported quarters, ending June 30, 2026 (reported July 29, 2026).

Fair Isaac (FICO) Revenue by Product Segment — TTM through Q2 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), TTM through Q2 2026.
Segment	Revenue (USD)	% of total
Scores	$1.55B	64.8%
Applications	$844M	35.2%
Total	$2.39B	100%

Scores$1.55B
Applications$844M
Total$2.39B

Fair Isaac (FICO) Revenue by Geography — TTM through Q2 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 Q2 2026
Region	Revenue (USD)	% of total
Americas	$2.14B	54.7%
UNITED STATES	$1.52B	38.8%
EMEA	$166M	4.3%
Asia Pacific	$86.6M	2.2%
Total	$3.91B	100%

Americas
UNITED STATES
EMEA
Asia Pacific
Total

Revenue Breakdown — TTM through Q2 2026

In TTM through Q2 2026, Fair Isaac (FICO) reports revenue across 2 reportable product segments; the largest segment was Scores at 64.8%, followed by Applications (35.2%). Geographically, Americas accounted for 54.7% of revenue, followed by UNITED STATES (38.8%) and EMEA (4.3%).

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