Credit scoring and decision analytics
Fair Isaac Corporation
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.
Business categories Credit Ratings, Indices & Financial Data · Finance & Capital · primary
FICO Updated Sep 24, 2026 3 AI consumers· 3 recurring
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).
Financials & Segments
- Total revenue · $1,990,869,000 (FY2025)
- Segments · Scores · Software
Revenue from
- Equifax High confidence· Revenue share 10% · FY2025 · Lower bound of Equifax's contribution to FICO total revenue
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.Mentions KO Korea Investment & Securities Research Published Oct 22, 2025: Equifax (EFX USA): Fourth-Quarter Margin Pressure, Strong Demand for FICO Alternatives - Experian plc High confidence· Revenue share 10% · FY2025 · Lower bound of Experian's contribution to FICO total revenue
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%.
Pays to
- Amazon High confidence
FICO Platform runs on AWS, and Decision Modeler is distributed through AWS Marketplace. FICO does not disclose its AWS spend.Confirms EN FICO Investor Relations Published May 27, 2025: FICO Aims to Accelerate Businesses’ Digital Transformation Under New Strategic Collaboration Agreement with AWS - TransUnion High confidence
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.
Investments
- Adeptra Limited High confidence· Amount $115M · 2012 acquisition · Cash consideration for 100% of Adeptra's equity interests
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.Confirms EN SEC EDGAR Published Sep 10, 2012: Fair Isaac Corporation Form 8-K: Completion of Adeptra Acquisition
Value-chain ripple (2 tiers)
Following node-to-node links up to 2 tiers; each firm is shown once, at its nearest tier.
| Company | Chain | '21 | '22 | '23 | '24 | '25 | YTD |
|---|---|---|---|---|---|---|---|
| Equifax | lead1 | +52.8 | -33.1 | +28.2 | +3.7 | -14.2 | -32.2 |
| Fair Isaac Corporation | node | -15.1 | +38 | +94.5 | +71 | -15.1 | -44.9 |
| Amazon | benef1 | +2.4 | -49.6 | +80.9 | +44.4 | +5.2 | +12 |
| SanDisk | benef2 | · | · | · | · | · | +633 |
| Seagate Technology | benef2 | +87.5 | -51.4 | +69.1 | +4.1 | +225.3 | +209.1 |
| Marvell | benef2 | +84.6 | -57.5 | +63.7 | +83.8 | -22.8 | +163.4 |
| Astera Labs | benef2 | · | · | · | · | +25.6 | +105.7 |
| Wiwynn | benef2 | +24.7 | -22.3 | +206.4 | +3.5 | +64.4 | +92.3 |
| Corning | benef2 | +5.9 | -11.6 | -1.2 | +60.6 | +87.8 | +77.2 |
| GE Vernova | benef2 | · | · | · | · | +99 | +54 |
| Occidental Petroleum | benef2 | +67.7 | +119.1 | -4.1 | -15.9 | -14.9 | +48.2 |
| Arista Networks | benef2 | +97.9 | -15.6 | +94.1 | +87.7 | +18.5 | +47.9 |
| Caterpillar | benef2 | +16 | +18.6 | +25.9 | +24.7 | +60.3 | +40.6 |
| Alchip Technologies | benef2 | +14.3 | -8.7 | +365.1 | -18.9 | +0.8 | +40.1 |
| FedEx | benef2 | +0.7 | -31.6 | +49.1 | +13.5 | +5.1 | +39.6 |
| Ciena | benef2 | +45.6 | -33.8 | -11.7 | +88.4 | +175.8 | +37.3 |
| Globalstar | benef2 | +241.2 | +14.7 | +45.9 | +6.7 | +96.6 | +37.3 |
| Jabil | benef2 | +66.4 | -2.5 | +87.4 | +13.3 | +58.7 | +36.3 |
| Eaton | benef2 | +46.7 | -7.2 | +56.2 | +39.5 | -2.8 | +36 |
| Digital Realty | benef2 | +30.7 | -41 | +39.9 | +35.9 | -10.1 | +23.4 |
| Celestica | benef2 | +37.9 | +1.3 | +159.8 | +215.2 | +220.3 | +22.5 |
| Quanta Computer | benef2 | +22.2 | -12.8 | +254.5 | +12.7 | +8.9 | +21.2 |
| Credo Technology | benef2 | · | · | +46.3 | +245.2 | +114.1 | +18.5 |
| ABB | benef2 | +23.9 | +7.3 | +18.9 | +39 | +36.1 | +18.4 |
| Church & Dwight Co., Inc. | benef2 | +18.9 | -20.4 | +18.7 | +12 | -18.9 | +18.1 |
| Foxconn (Hon Hai) | benef2 | -5.1 | +2.8 | +7.8 | +80.1 | +26.9 | +16.3 |
| Norfolk Southern | benef2 | +27.3 | -15.6 | -1.6 | +1.6 | +25.6 | +15.6 |
| Colgate-Palmolive Company | benef2 | +2.1 | -5.4 | +3.8 | +16.6 | -11 | +14.4 |
| Entergy | benef2 | +17.1 | +3.6 | -6.1 | +56 | +25.3 | +13.2 |
| Schneider Electric | benef2 | +25.9 | +1.6 | +25.8 | +36.1 | +0.5 | +11.7 |
| Cummins | benef2 | -1.7 | +14.1 | +1.7 | +48.9 | +49.4 | +11 |
| United Parcel Service, Inc. | benef2 | +30 | -16.2 | -6 | -15.9 | -15.9 | +8 |
| Procter & Gamble | benef2 | +20.5 | -5 | -0.9 | +17.3 | -12.3 | +4.5 |
| Ameren Corporation | benef2 | +17.1 | +2.5 | -16.1 | +27.5 | +15.3 | +4.5 |
| Omnicom Group Inc. | benef2 | +21.9 | +15.7 | +9.6 | +2.5 | -2.6 | +4.4 |
| Talen Energy | benef2 | · | · | · | +214.8 | +86.1 | +1 |
| The Estée Lauder Companies Inc. | benef2 | +40 | -32.3 | -40.1 | -47.6 | +42.1 | +0.2 |
| Amorepacific | benef2 | -30.1 | -5.7 | -18.4 | +9.9 | +8.2 | -1.2 |
| Exelon | benef2 | +41.5 | +8.3 | -14 | +9.2 | +20 | -1.5 |
| Vistra | benef2 | +19.6 | +5.1 | +70.7 | +261.5 | +17.7 | -7.2 |
| Fabrinet | benef2 | +52.7 | +8.2 | +48.4 | +15.5 | +107.1 | -10.5 |
| IonQ | benef2 | · | -79.3 | +259.1 | +237.1 | +7.4 | -11.9 |
| Abbott Laboratories | benef2 | +30.5 | -20.7 | +2.3 | +4.8 | +12.9 | -19 |
| Quantum Computing Inc | benef2 | -75.8 | -55.7 | -39.5 | +1712.7 | -38 | -27.5 |
| Nike | benef2 | +18.7 | -29 | -6 | -29.1 | -13.8 | -44.1 |
| D-Wave Quantum | benef2 | · | -85.3 | -38.9 | +854.5 | +211.3 | -44.3 |
YTD as of 2026-09-04 · source: Yahoo Finance
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 generated from returns as of 2026-09-04← All companiesMarkdown · JSON · Customers · Suppliers · Ripple