{"slug":"fair-isaac","name":"페어 아이작","name_en":"Fair Isaac Corporation","ticker":"FICO","updated_at":"2026-09-24T12:25:40.885155+00:00","canonical":"https://valuechain.wiki/fair-isaac","citable":"밸류체인 그래프 기준 페어 아이작의 직접 연결 기업은 2곳(관계 기준 공급 1·매출 1)이고, 사슬을 2차까지 넓히면 48곳에 닿는다. 링크의 근거 출처는 4건이며 그중 1차공시가 2건이다 (valuechain.wiki, 2026-09-24 기준).","citable_en":"Per the valuechain.wiki graph, Fair Isaac Corporation is directly linked to 2 companies (1 supply, 1 revenue relationships) and reaches 48 companies within two hops; the links are backed by 4 dated sources, 2 of them primary filings (as of 2026-09-24).","kicker":"신용점수·의사결정 분석","kicker_en":"Credit scoring and decision analytics","lead":"FICO는 미국 소비자 신용점수 라이선스와 기업용 분석·의사결정 소프트웨어로 돈을 번다. 신용평가사 데이터·처리 서비스와 AWS 기반 SaaS 인프라에 비용을 쓰며, 2025 회계연도 매출의 51%가 3대 신용평가사 계약에서 나왔다.","lead_en":"FICO earns revenue from U.S. consumer credit-score licensing and enterprise analytics and decisioning software. It pays for consumer-reporting data and processing and AWS-based SaaS infrastructure, while contracts with the three major credit bureaus generated 51% of fiscal 2025 revenue.","categories":[{"key":"credit-ratings-indices-data","ko":"신용평가·지수·금융데이터","en":"Credit Ratings, Indices & Financial Data","theme":"finance-capital","theme_ko":"금융·자본","theme_en":"Finance & Capital","theme_kind":"sector","primary":true}],"segments":{"parts":[{"name":"Scores","note":"기업·소비자 대상 FICO 신용점수와 관련 서비스"},{"name":"Software","note":"분석·의사결정 소프트웨어, SaaS 및 전문 서비스"}],"total":"$1,990,869,000 (FY2025)","track":"C"},"segments_en":{"parts":[{"name":"Scores","note":"FICO credit scores and related services for businesses and consumers"},{"name":"Software","note":"Analytics and decisioning software, SaaS, and professional services"}],"total":"$1,990,869,000 (FY2025)"},"returns_yearly":{"2021":-15.1,"2022":38,"2023":94.5,"2024":71,"2025":-15.1,"2026":-44.9},"return_asof":"2026-09-04","value_chain":{"leading":[{"slug":"equifax","name":"에퀴팩스","name_en":"Equifax","tier":1,"returns_yearly":{"2021":52.8,"2022":-33.1,"2023":28.2,"2024":3.7,"2025":-14.2,"2026":-32.2}}],"benefiting":[{"slug":"amazon","name":"아마존","name_en":"Amazon","tier":1,"returns_yearly":{"2021":2.4,"2022":-49.6,"2023":80.9,"2024":44.4,"2025":5.2,"2026":12}},{"slug":"sandisk","name":"샌디스크","name_en":"SanDisk","tier":2,"returns_yearly":{"2026":633}},{"slug":"seagate","name":"Seagate","name_en":"Seagate Technology","tier":2,"returns_yearly":{"2021":87.5,"2022":-51.4,"2023":69.1,"2024":4.1,"2025":225.3,"2026":209.1}},{"slug":"marvell","name":"Marvell","name_en":"Marvell","tier":2,"returns_yearly":{"2021":84.6,"2022":-57.5,"2023":63.7,"2024":83.8,"2025":-22.8,"2026":163.4}},{"slug":"astera-labs","name":"Astera Labs","name_en":"Astera Labs","tier":2,"returns_yearly":{"2025":25.6,"2026":105.7}},{"slug":"wiwynn","name":"Wiwynn","name_en":"Wiwynn","tier":2,"returns_yearly":{"2021":24.7,"2022":-22.3,"2023":206.4,"2024":3.5,"2025":64.4,"2026":92.3}},{"slug":"corning","name":"Corning","name_en":"Corning","tier":2,"returns_yearly":{"2021":5.9,"2022":-11.6,"2023":-1.2,"2024":60.6,"2025":87.8,"2026":77.2}},{"slug":"ge-vernova","name":"GE Vernova","name_en":"GE Vernova","tier":2,"returns_yearly":{"2025":99,"2026":54}},{"slug":"occidental-petroleum","name":"옥시덴탈 페트롤리엄","name_en":"Occidental Petroleum","tier":2,"returns_yearly":{"2021":67.7,"2022":119.1,"2023":-4.1,"2024":-15.9,"2025":-14.9,"2026":48.2}},{"slug":"arista","name":"Arista Networks","name_en":"Arista Networks","tier":2,"returns_yearly":{"2021":97.9,"2022":-15.6,"2023":94.1,"2024":87.7,"2025":18.5,"2026":47.9}},{"slug":"caterpillar","name":"Caterpillar","name_en":"Caterpillar","tier":2,"returns_yearly":{"2021":16,"2022":18.6,"2023":25.9,"2024":24.7,"2025":60.3,"2026":40.6}},{"slug":"alchip","name":"알칩","name_en":"Alchip Technologies","tier":2,"returns_yearly":{"2021":14.3,"2022":-8.7,"2023":365.1,"2024":-18.9,"2025":0.8,"2026":40.1}},{"slug":"fedex","name":"페덱스","name_en":"FedEx","tier":2,"returns_yearly":{"2021":0.7,"2022":-31.6,"2023":49.1,"2024":13.5,"2025":5.1,"2026":39.6}},{"slug":"ciena","name":"Ciena","name_en":"Ciena","tier":2,"returns_yearly":{"2021":45.6,"2022":-33.8,"2023":-11.7,"2024":88.4,"2025":175.8,"2026":37.3}},{"slug":"globalstar","name":"글로벌스타","name_en":"Globalstar","tier":2,"returns_yearly":{"2021":241.2,"2022":14.7,"2023":45.9,"2024":6.7,"2025":96.6,"2026":37.3}},{"slug":"jabil","name":"자빌","name_en":"Jabil","tier":2,"returns_yearly":{"2021":66.4,"2022":-2.5,"2023":87.4,"2024":13.3,"2025":58.7,"2026":36.3}},{"slug":"eaton","name":"Eaton","name_en":"Eaton","tier":2,"returns_yearly":{"2021":46.7,"2022":-7.2,"2023":56.2,"2024":39.5,"2025":-2.8,"2026":36}},{"slug":"digital-realty","name":"Digital Realty","name_en":"Digital Realty","tier":2,"returns_yearly":{"2021":30.7,"2022":-41,"2023":39.9,"2024":35.9,"2025":-10.1,"2026":23.4}},{"slug":"celestica","name":"Celestica","name_en":"Celestica","tier":2,"returns_yearly":{"2021":37.9,"2022":1.3,"2023":159.8,"2024":215.2,"2025":220.3,"2026":22.5}},{"slug":"quanta","name":"Quanta","name_en":"Quanta Computer","tier":2,"returns_yearly":{"2021":22.2,"2022":-12.8,"2023":254.5,"2024":12.7,"2025":8.9,"2026":21.2}},{"slug":"credo","name":"크레도","name_en":"Credo Technology","tier":2,"returns_yearly":{"2023":46.3,"2024":245.2,"2025":114.1,"2026":18.5}},{"slug":"abb","name":"ABB","name_en":"ABB","tier":2,"returns_yearly":{"2021":23.9,"2022":7.3,"2023":18.9,"2024":39,"2025":36.1,"2026":18.4}},{"slug":"church-dwight","name":"처치 앤 드와이트","name_en":"Church & Dwight Co., Inc.","tier":2,"returns_yearly":{"2021":18.9,"2022":-20.4,"2023":18.7,"2024":12,"2025":-18.9,"2026":18.1}},{"slug":"foxconn","name":"Foxconn","name_en":"Foxconn (Hon Hai)","tier":2,"returns_yearly":{"2021":-5.1,"2022":2.8,"2023":7.8,"2024":80.1,"2025":26.9,"2026":16.3}},{"slug":"norfolk-southern","name":"노퍽 서던","name_en":"Norfolk Southern","tier":2,"returns_yearly":{"2021":27.3,"2022":-15.6,"2023":-1.6,"2024":1.6,"2025":25.6,"2026":15.6}},{"slug":"colgate-palmolive","name":"콜게이트파몰리브","name_en":"Colgate-Palmolive Company","tier":2,"returns_yearly":{"2021":2.1,"2022":-5.4,"2023":3.8,"2024":16.6,"2025":-11,"2026":14.4}},{"slug":"entergy","name":"엔터지","name_en":"Entergy","tier":2,"returns_yearly":{"2021":17.1,"2022":3.6,"2023":-6.1,"2024":56,"2025":25.3,"2026":13.2}},{"slug":"schneider-electric","name":"Schneider Electric","name_en":"Schneider Electric","tier":2,"returns_yearly":{"2021":25.9,"2022":1.6,"2023":25.8,"2024":36.1,"2025":0.5,"2026":11.7}},{"slug":"cummins","name":"Cummins","name_en":"Cummins","tier":2,"returns_yearly":{"2021":-1.7,"2022":14.1,"2023":1.7,"2024":48.9,"2025":49.4,"2026":11}},{"slug":"united-parcel-service","name":"유나이티드 파셀 서비스","name_en":"United Parcel Service, Inc.","tier":2,"returns_yearly":{"2021":30,"2022":-16.2,"2023":-6,"2024":-15.9,"2025":-15.9,"2026":8}},{"slug":"procter-gamble","name":"Procter & Gamble","name_en":"Procter & Gamble","tier":2,"returns_yearly":{"2021":20.5,"2022":-5,"2023":-0.9,"2024":17.3,"2025":-12.3,"2026":4.5}},{"slug":"ameren","name":"아메렌","name_en":"Ameren Corporation","tier":2,"returns_yearly":{"2021":17.1,"2022":2.5,"2023":-16.1,"2024":27.5,"2025":15.3,"2026":4.5}},{"slug":"omnicom-group","name":"옴니콤 그룹","name_en":"Omnicom Group Inc.","tier":2,"returns_yearly":{"2021":21.9,"2022":15.7,"2023":9.6,"2024":2.5,"2025":-2.6,"2026":4.4}},{"slug":"talen-energy","name":"Talen Energy","name_en":"Talen Energy","tier":2,"returns_yearly":{"2024":214.8,"2025":86.1,"2026":1}},{"slug":"est-e-lauder-companies","name":"에스티 로더","name_en":"The Estée Lauder Companies Inc.","tier":2,"returns_yearly":{"2021":40,"2022":-32.3,"2023":-40.1,"2024":-47.6,"2025":42.1,"2026":0.2}},{"slug":"amorepacific","name":"아모레퍼시픽","name_en":"Amorepacific","tier":2,"returns_yearly":{"2021":-30.1,"2022":-5.7,"2023":-18.4,"2024":9.9,"2025":8.2,"2026":-1.2}},{"slug":"exelon","name":"엑셀론","name_en":"Exelon","tier":2,"returns_yearly":{"2021":41.5,"2022":8.3,"2023":-14,"2024":9.2,"2025":20,"2026":-1.5}},{"slug":"vistra","name":"Vistra","name_en":"Vistra","tier":2,"returns_yearly":{"2021":19.6,"2022":5.1,"2023":70.7,"2024":261.5,"2025":17.7,"2026":-7.2}},{"slug":"fabrinet","name":"Fabrinet","name_en":"Fabrinet","tier":2,"returns_yearly":{"2021":52.7,"2022":8.2,"2023":48.4,"2024":15.5,"2025":107.1,"2026":-10.5}},{"slug":"ionq","name":"IonQ","name_en":"IonQ","tier":2,"returns_yearly":{"2022":-79.3,"2023":259.1,"2024":237.1,"2025":7.4,"2026":-11.9}},{"slug":"abbott-laboratories","name":"애보트","name_en":"Abbott Laboratories","tier":2,"returns_yearly":{"2021":30.5,"2022":-20.7,"2023":2.3,"2024":4.8,"2025":12.9,"2026":-19}},{"slug":"qubt","name":"Quantum Computing Inc","name_en":"Quantum Computing Inc","tier":2,"returns_yearly":{"2021":-75.8,"2022":-55.7,"2023":-39.5,"2024":1712.7,"2025":-38,"2026":-27.5}},{"slug":"nike","name":"Nike","name_en":"Nike","tier":2,"returns_yearly":{"2021":18.7,"2022":-29,"2023":-6,"2024":-29.1,"2025":-13.8,"2026":-44.1}},{"slug":"d-wave","name":"D-Wave Quantum","name_en":"D-Wave Quantum","tier":2,"returns_yearly":{"2022":-85.3,"2023":-38.9,"2024":854.5,"2025":211.3,"2026":-44.3}},{"slug":"anthropic","name":"Anthropic","name_en":"Anthropic","tier":2,"returns_yearly":null},{"slug":"cerebras","name":"Cerebras","name_en":"Cerebras Systems","tier":2,"returns_yearly":null},{"slug":"arianegroup","name":"아리안그룹","name_en":"ArianeGroup","tier":2,"returns_yearly":null},{"slug":"samsung-electro-mechanics","name":"삼성전기","name_en":"Samsung Electro-Mechanics","tier":3,"returns_yearly":{"2021":-11.8,"2022":-18.5,"2023":-1.4,"2024":-2.5,"2025":110,"2026":402.2}},{"slug":"arm","name":"Arm Holdings","name_en":"Arm Holdings","tier":3,"returns_yearly":{"2024":64.2,"2025":-11.4,"2026":143.6}},{"slug":"murata","name":"Murata","name_en":"Murata Manufacturing","tier":3,"returns_yearly":{"2021":-14,"2022":-11.7,"2023":24.7,"2024":-16.5,"2025":29.9,"2026":131.5}},{"slug":"lam-research","name":"램리서치","name_en":"Lam Research","tier":3,"returns_yearly":{"2021":53.7,"2022":-40.7,"2023":88.6,"2024":-6.8,"2025":139.2,"2026":86.8}},{"slug":"sk-hynix","name":"SK하이닉스","name_en":"SK hynix","tier":3,"returns_yearly":{"2021":-0.4,"2022":-25.6,"2023":53.9,"2024":48.6,"2025":361.1,"2026":85.3}},{"slug":"illumina","name":"Illumina","name_en":"Illumina","tier":3,"returns_yearly":{"2021":2.8,"2022":-46.9,"2023":-31.1,"2024":-1.3,"2025":-1.8,"2026":66.4}},{"slug":"samsung-electronics","name":"삼성전자","name_en":"Samsung Electronics","tier":3,"returns_yearly":{"2021":-9,"2022":-14.2,"2023":20.9,"2024":-26.4,"2025":212.9,"2026":63.8}},{"slug":"delta-electronics","name":"Delta Electronics","name_en":"Delta Electronics","tier":3,"returns_yearly":{"2021":-3.4,"2022":10.4,"2023":-0.3,"2024":59.2,"2025":183.8,"2026":61.9}},{"slug":"asml","name":"ASML","name_en":"ASML","tier":3,"returns_yearly":{"2021":64.1,"2022":-30.5,"2023":39.9,"2024":-7.7,"2025":55.8,"2026":61.1}},{"slug":"tokyo-electron","name":"도쿄일렉트론","name_en":"Tokyo Electron (TEL)","tier":3,"returns_yearly":{"2021":40.4,"2022":-14.5,"2023":89.8,"2024":-4.4,"2025":61.6,"2026":57.4}},{"slug":"nucor","name":"뉴코","name_en":"Nucor Corporation","tier":3,"returns_yearly":{"2021":118.4,"2022":17.4,"2023":33.8,"2024":-32,"2025":42,"2026":54.7}},{"slug":"mda-space","name":"MDA 스페이스","name_en":"MDA Space","tier":3,"returns_yearly":{"2022":-32.6,"2023":80,"2024":156.3,"2025":-9.8,"2026":50.8}},{"slug":"tsmc","name":"TSMC","name_en":"TSMC","tier":3,"returns_yearly":{"2021":12.1,"2022":-36.7,"2023":42.3,"2024":92.6,"2025":55.9,"2026":50.3}},{"slug":"sumitomo-electric","name":"Sumitomo Electric","name_en":"Sumitomo Electric","tier":3,"returns_yearly":{"2021":11.4,"2022":6.3,"2023":30.8,"2024":52.9,"2025":139,"2026":43.2}},{"slug":"wabtec","name":"웹텍","name_en":"Wabtec Corporation","tier":3,"returns_yearly":{"2021":26.5,"2022":9.1,"2023":28,"2024":50.1,"2025":13.2,"2026":34.2}},{"slug":"united-rentals","name":"유나이티드 렌탈스","name_en":"United Rentals","tier":3,"returns_yearly":{"2021":43.3,"2022":7,"2023":63.6,"2024":24,"2025":15.9,"2026":31.3}},{"slug":"amphenol","name":"Amphenol","name_en":"Amphenol","tier":3,"returns_yearly":{"2021":34.9,"2022":-12,"2023":31.5,"2024":41.3,"2025":96.1,"2026":29.8}},{"slug":"international-flavors-fragrances","name":"인터내셔널 플레이버스 앤 프래그런스","name_en":"International Flavors & Fragrances","tier":3,"returns_yearly":{"2021":41.5,"2022":-28.3,"2023":-19.5,"2024":6.3,"2025":-18.4,"2026":27.5}},{"slug":"dow","name":"다우","name_en":"Dow Inc.","tier":3,"returns_yearly":{"2021":6.8,"2022":-6.6,"2023":14.7,"2024":-22.8,"2025":-37.4,"2026":25.7}},{"slug":"williams","name":"Williams","name_en":"Williams Companies","tier":3,"returns_yearly":{"2021":38.4,"2022":32.8,"2023":11.9,"2024":62.3,"2025":14.9,"2026":25.2}},{"slug":"nvidia","name":"NVIDIA","name_en":"NVIDIA","tier":3,"returns_yearly":{"2021":125.5,"2022":-50.3,"2023":239,"2024":171.2,"2025":38.9,"2026":23.2}},{"slug":"union-pacific","name":"유니언 퍼시픽","name_en":"Union Pacific Corporation","tier":3,"returns_yearly":{"2021":23.3,"2022":-15.9,"2023":21.6,"2024":-5.1,"2025":3.9,"2026":22.1}},{"slug":"sk-telecom","name":"SK텔레콤","name_en":"SK Telecom","tier":3,"returns_yearly":{"2021":7.9,"2022":-12,"2023":15.8,"2024":15.5,"2025":37.5,"2026":18}},{"slug":"coreweave","name":"CoreWeave","name_en":"CoreWeave","tier":3,"returns_yearly":{"2026":14.6}},{"slug":"cadence","name":"Cadence Design Systems","name_en":"Cadence Design Systems","tier":3,"returns_yearly":{"2021":36.6,"2022":-13.8,"2023":69.6,"2024":10.3,"2025":4,"2026":12.9}},{"slug":"synopsys","name":"Synopsys","name_en":"Synopsys","tier":3,"returns_yearly":{"2021":42.1,"2022":-13.4,"2023":61.3,"2024":-5.7,"2025":-3.2,"2026":8.6}},{"slug":"alphabet","name":"알파벳 (구글)","name_en":"Alphabet (Google)","tier":3,"returns_yearly":{"2021":65.3,"2022":-39.1,"2023":58.3,"2024":36,"2025":66,"2026":8.3}},{"slug":"nextera-energy","name":"NextEra Energy","name_en":"NextEra Energy","tier":3,"returns_yearly":{"2021":23.4,"2022":-8.5,"2023":-25.3,"2024":21.5,"2025":15.5,"2026":6.2}},{"slug":"broadcom","name":"Broadcom","name_en":"Broadcom","tier":3,"returns_yearly":{"2021":56.5,"2022":-13.3,"2023":104.2,"2024":110.5,"2025":50.6,"2026":5}},{"slug":"airbus","name":"에어버스","name_en":"Airbus","tier":3,"returns_yearly":{"2021":34.8,"2022":3.9,"2023":30.5,"2024":15,"2025":18.3,"2026":4.8}},{"slug":"blackrock","name":"BlackRock","name_en":"BlackRock","tier":3,"returns_yearly":{"2021":29.4,"2022":-20.4,"2023":17.9,"2024":29.3,"2025":6.6,"2026":2.8}},{"slug":"centerpoint-energy","name":"센터포인트 에너지","name_en":"CenterPoint Energy","tier":3,"returns_yearly":{"2021":32.4,"2022":10,"2023":-2.1,"2024":14.3,"2025":23.7,"2026":2.4}},{"slug":"siemens-energy","name":"Siemens Energy","name_en":"Siemens Energy","tier":3,"returns_yearly":{"2021":-35.4,"2022":-2.7,"2023":-27,"2024":314.2,"2025":149.9,"2026":1.8}},{"slug":"spacex","name":"스페이스X","name_en":"SpaceX","tier":3,"returns_yearly":{"2026":0.7}},{"slug":"boeing","name":"보잉","name_en":"Boeing","tier":3,"returns_yearly":{"2021":-6,"2022":-5.4,"2023":36.8,"2024":-32.1,"2025":22.7,"2026":-2.2}},{"slug":"hoya","name":"호야","name_en":"Hoya Corporation","tier":3,"returns_yearly":{"2021":10.8,"2022":-3,"2023":34.4,"2024":11.3,"2025":24.9,"2026":-2.5}},{"slug":"te-connectivity","name":"TE Connectivity","name_en":"TE Connectivity","tier":3,"returns_yearly":{"2021":35.1,"2022":-27.7,"2023":24.6,"2024":3.5,"2025":61.1,"2026":-3}},{"slug":"cameco","name":"Cameco","name_en":"Cameco","tier":3,"returns_yearly":{"2021":63.2,"2022":4.3,"2023":90.5,"2024":19.5,"2025":78.4,"2026":-3.7}},{"slug":"fanuc","name":"FANUC","name_en":"FANUC","tier":3,"returns_yearly":{"2021":-16.5,"2022":4.4,"2023":-8.1,"2024":15.6,"2025":37.7,"2026":-4.5}},{"slug":"meta","name":"메타 플랫폼스","name_en":"Meta Platforms","tier":3,"returns_yearly":{"2021":23.1,"2022":-64.2,"2023":194.1,"2024":66,"2025":13.1,"2026":-6.4}},{"slug":"workday","name":"워크데이","name_en":"Workday, Inc.","tier":3,"returns_yearly":{"2021":14,"2022":-38.7,"2023":65,"2024":-6.5,"2025":-16.8,"2026":-8.8}},{"slug":"textron","name":"텍스트론","name_en":"Textron","tier":3,"returns_yearly":{"2021":59.9,"2022":-8.2,"2023":13.7,"2024":-4.8,"2025":14.1,"2026":-9.3}},{"slug":"shopify","name":"Shopify","name_en":"Shopify","tier":3,"returns_yearly":{"2021":21.7,"2022":-74.8,"2023":124.4,"2024":36.5,"2025":51.4,"2026":-9.9}},{"slug":"phison","name":"Phison","name_en":"Phison Electronics","tier":3,"returns_yearly":{"2021":26.8,"2022":-10.7,"2023":45.1,"2024":-6.7,"2025":418.3,"2026":-12.8}},{"slug":"avio","name":"아비오","name_en":"Avio","tier":3,"returns_yearly":{"2021":-9.9,"2022":-4.7,"2023":-17.1,"2024":98.4,"2025":117,"2026":-18.3}},{"slug":"hd-hyundai-electric","name":"HD Hyundai Electric","name_en":"HD Hyundai Electric","tier":3,"returns_yearly":{"2021":4.2,"2022":132.5,"2023":159.4,"2024":300.5,"2025":120.2,"2026":-31.3}},{"slug":"rigetti","name":"Rigetti Computing","name_en":"Rigetti Computing","tier":3,"returns_yearly":{"2022":-92.9,"2023":35.1,"2024":1449.2,"2025":45.2,"2026":-31.4}},{"slug":"ubtech","name":"UBTech","name_en":"UBTech Robotics","tier":3,"returns_yearly":{"2024":-21.6,"2025":95.4,"2026":-38.8}},{"slug":"siemens-eda","name":"Siemens EDA","name_en":"Siemens EDA","tier":3,"returns_yearly":null}],"analysis":"신용점수·의사결정 분석 기업. 2025년 -15.1%, 2026년 -44.9%로 약세가 이어진다. 공급단(평균 +12%)이 본주(-44.9%)보다 앞서 있다. 지출이 아래로 번지며 공급사 쪽 탄력이 먼저 나타나는 구도다.","analysis_en":"Fair Isaac Corporation operates across Credit scoring and decision analytics. It remained weak at -15.1% in 2025 and -44.9% in 2026. The supply side (avg +12%) leads the stock (-44.9%), with spending rippling down to suppliers first. It pays for consumer-reporting data and processing and AWS-based SaaS infrastructure, while contracts with the three major credit bureaus generated 51% of fiscal 2025 revenue.","analysis_asof":"2026-09-04"},"edges":[{"direction":"investment","counterparty":"Adeptra","counterparty_slug":null,"confidence":"high","metric":{"type":"amount","unit":"USD","as_of":"2012-09-07","basis":"Adeptra 지분 100% 현금 인수대금","value":115000000,"period":"2012 acquisition","basis_en":"Cash consideration for 100% of Adeptra's equity interests","qualifier":null},"note":"FICO의 완전자회사는 2012년 9월 Adeptra의 지분 전부를 현금 1억1,500만 달러에 인수했다. 이 거래로 고객 접점과 위험 개입용 SaaS 역량을 편입했다.","note_en":"A wholly owned FICO subsidiary acquired all outstanding equity interests in Adeptra for $115 million in cash in September 2012. The deal added SaaS capabilities for customer engagement and risk intervention.","sources":[{"stance":"confirms","publisher":"SEC EDGAR","publisher_en":"SEC EDGAR","kind":"filing","lang":"en","published_at":"2012-09-10","url":"https://www.sec.gov/Archives/edgar/data/814547/000119312512385842/d408875d8k.htm","title":"Fair Isaac Corporation Form 8-K: Completion of Adeptra Acquisition","title_en":"Fair Isaac Corporation Form 8-K: Completion of Adeptra Acquisition","excerpt":"FICO Holdings가 Adeptra 지분 전부를 현금 1억1,500만 달러에 인수했다.","excerpt_en":"acquired all the outstanding equity interests of Adeptra for $115 million in cash"}]},{"direction":"revenue","counterparty":"에퀴팩스","counterparty_slug":"equifax","confidence":"high","metric":{"type":"revenue_share","unit":"%","as_of":"2025-11-07","basis":"에퀴팩스의 FICO 총매출 기여도 하한","value":10,"period":"FY2025","basis_en":"Lower bound of Equifax's contribution to FICO total revenue","qualifier":"more_than"},"note":"에퀴팩스는 FICO 점수를 유통하고 FICO에 수수료를 지급하는 미국 3대 신용평가사 중 하나다. 에퀴팩스를 포함한 세 회사는 2025 회계연도에 각각 FICO 총매출의 10%를 넘게 기여했다.","note_en":"Equifax is one of the three major U.S. consumer reporting agencies that distribute FICO scores and remit associated fees to FICO. Each of the three agencies contributed more than 10% of FICO's total fiscal 2025 revenue.","sources":[{"stance":"confirms","publisher":"SEC EDGAR","publisher_en":"SEC EDGAR","kind":"filing","lang":"en","published_at":"2025-11-07","url":"https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm","title":"FAIR ISAAC CORP 10-K (2025-11-07)","title_en":"FAIR ISAAC CORP 10-K (2025-11-07)","excerpt":"세 신용평가사는 각각 총매출의 10%를 넘게 기여했다.","excerpt_en":"each contributing more than 10% of our total revenues"},{"stance":"mentions","publisher":"한국투자증권 리서치본부","publisher_en":"Korea Investment & Securities Research","kind":"research","lang":"ko","published_at":"2025-10-22","url":"https://securities.koreainvestment.com/main/research/research/StrategyDetail.jsp?id=148694&jkGubun=6","title":"에퀴팩스(EFX USA): 4Q 마진은 부담, FICO 대안 수요는 호조","title_en":"Equifax (EFX USA): Fourth-Quarter Margin Pressure, Strong Demand for FICO Alternatives","excerpt":"FICO의 모기지 점수 가격 인상과 VantageScore 허용이 맞물리면서 EFX의 대안 점수 기회가 커졌다고 분석했다.","excerpt_en":"The report says FICO's mortgage-score price increase and VantageScore approval expand Equifax's opportunity in alternative scoring."}]},{"direction":"revenue","counterparty":"Experian","counterparty_slug":null,"confidence":"high","metric":{"type":"revenue_share","unit":"%","as_of":"2025-11-07","basis":"Experian의 FICO 총매출 기여도 하한","value":10,"period":"FY2025","basis_en":"Lower bound of Experian's contribution to FICO total revenue","qualifier":"more_than"},"note":"Experian은 FICO 점수의 주요 유통사이자 고객이다. 2025 회계연도에 Experian을 포함한 3대 신용평가사가 FICO 총매출의 51%를 만들었고, 각 회사의 기여도는 10%를 넘었다.","note_en":"Experian is a major distributor and customer for FICO scores. The three major consumer reporting agencies, including Experian, generated 51% of FICO's fiscal 2025 revenue, and each contributed more than 10%.","sources":[{"stance":"confirms","publisher":"SEC EDGAR","publisher_en":"SEC EDGAR","kind":"filing","lang":"en","published_at":"2025-11-07","url":"https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm","title":"FAIR ISAAC CORP 10-K (2025-11-07)","title_en":"FAIR ISAAC CORP 10-K (2025-11-07)","excerpt":"Experian·TransUnion·Equifax 계약 매출은 2025 회계연도 총매출의 51%였다.","excerpt_en":"Experian, TransUnion and Equifax collectively accounted for 51%"}]},{"direction":"cost","counterparty":"아마존","counterparty_slug":"amazon","confidence":"high","metric":{"type":"amount","unit":"USD","as_of":"2025-05-27","basis":"FICO Platform의 AWS 인프라 사용액","value":null,"period":"FY2025","basis_en":"AWS infrastructure spend for FICO Platform","qualifier":"confirmed_no_disclosed_value"},"note":"FICO Platform은 AWS에서 실행되며 Decision Modeler도 AWS Marketplace를 통해 제공된다. AWS 사용액은 공개되지 않았다.","note_en":"FICO Platform runs on AWS, and Decision Modeler is distributed through AWS Marketplace. FICO does not disclose its AWS spend.","sources":[{"stance":"confirms","publisher":"FICO 투자자관계","publisher_en":"FICO Investor Relations","kind":"ir","lang":"en","published_at":"2025-05-27","url":"https://investors.fico.com/news-releases/news-release-details/fico-aims-accelerate-businesses-digital-transformation-under-new","title":"FICO Aims to Accelerate Businesses’ Digital Transformation Under New Strategic Collaboration Agreement with AWS","title_en":"FICO Aims to Accelerate Businesses’ Digital Transformation Under New Strategic Collaboration Agreement with AWS","excerpt":"FICO Platform이 AWS에서 실행된다고 밝혔다.","excerpt_en":"FICO Platform, which runs on AWS"}]},{"direction":"cost","counterparty":"TransUnion","counterparty_slug":null,"confidence":"high","metric":{"type":"amount","unit":"USD","as_of":"2025-11-07","basis":"TransUnion 신용데이터·처리 서비스 지급액","value":null,"period":"FY2025","basis_en":"Spend for TransUnion credit data and processing services","qualifier":"confirmed_no_disclosed_value"},"note":"FICO는 신용점수 산출에 TransUnion이 수집·관리하는 신용데이터를 사용하며, 소비자 신용평가사 데이터와 처리 서비스를 매출원가로 인식한다. 상대별 지급액은 공개되지 않았다.","note_en":"FICO uses credit data collected and maintained by TransUnion to produce scores and recognizes consumer reporting agency data and processing services in cost of revenue. Counterparty-specific spending is not disclosed.","sources":[{"stance":"confirms","publisher":"SEC EDGAR","publisher_en":"SEC EDGAR","kind":"filing","lang":"en","published_at":"2025-11-07","url":"https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm","title":"FAIR ISAAC CORP 10-K (2025-11-07)","title_en":"FAIR ISAAC CORP 10-K (2025-11-07)","excerpt":"매출원가에는 신용평가사 데이터와 처리 서비스가 포함된다.","excerpt_en":"consumer reporting agency data and processing services"}]}]}