Fair Isaac Corp
F:FRI
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Fair Isaac Corp
F:FRI
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Prysmian SpA
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Fair Isaac Corp
Fair Isaac Corp., best known as FICO, is the company behind the FICO credit score that lenders use to judge how risky it may be to lend to a person. It also sells software and analytics tools that help banks, card issuers, and other lenders make credit decisions, manage accounts, detect fraud, and collect debt more effectively. Its customers are mainly financial institutions, but it also works with insurers, telecom companies, and other businesses that need to predict customer behavior or manage risk. FICO makes money by charging license fees and usage-based fees for its scores and by selling software and services tied to decisioning, scoring, and analytics. What makes FICO different is that it sits at a key point in the lending system: its score is a standard input for many credit decisions, and its software helps turn raw customer data into actions. That gives the company a central role in how lenders approve loans, set terms, and manage risk.
Fair Isaac Corp., best known as FICO, is the company behind the FICO credit score that lenders use to judge how risky it may be to lend to a person. It also sells software and analytics tools that help banks, card issuers, and other lenders make credit decisions, manage accounts, detect fraud, and collect debt more effectively.
Its customers are mainly financial institutions, but it also works with insurers, telecom companies, and other businesses that need to predict customer behavior or manage risk. FICO makes money by charging license fees and usage-based fees for its scores and by selling software and services tied to decisioning, scoring, and analytics.
What makes FICO different is that it sits at a key point in the lending system: its score is a standard input for many credit decisions, and its software helps turn raw customer data into actions. That gives the company a central role in how lenders approve loans, set terms, and manage risk.
Strong quarter: FICO reported Q2 revenue of $692 million, up 39% year over year, and management said the company had a very strong first half of fiscal 2026.
Guidance raised: The company increased full-year fiscal 2026 guidance, now calling for $2.45 billion of revenue and GAAP EPS of $35.60.
Scores momentum: Scores revenue jumped 60% to $475 million, driven mainly by mortgage originations, which rose 127% year over year.
Software improving: Software revenue rose 7% to $217 million, while platform ARR grew 49% to $349 million and bookings remained strong.
10T pricing move: FICO cut the upfront FICO 10T price to $0.99 and raised the funding fee to $65 to encourage adoption and stay competitive with VantageScore.
Capital returns: FICO bought back $605 million of stock in the quarter, the largest quarterly repurchase in company history, and has already added another $170 million of buybacks since April 1.
Management
Mark Russell Scadina is an accomplished executive known for his role at Fair Isaac Corporation (FICO), where he has served as the Executive Vice President, General Counsel, and Corporate Secretary. In his role, Scadina is responsible for leading the company's legal, compliance, and government affairs functions. His expertise in legal matters has been instrumental in guiding FICO through various corporate governance, compliance, and strategic initiatives. Before joining FICO, Mark Scadina held several significant positions that honed his expertise in legal affairs and corporate governance. He served as Executive Vice President and General Counsel at Broadcom Corporation, where he was deeply involved in the company's legal strategies and compliance programs. Scadina holds a bachelor's degree from the University of California, Berkeley, and a law degree from Stanford Law School. His extensive legal background and strategic acumen have been essential in managing and mitigating legal risks while ensuring FICO's adherence to regulatory standards. Throughout his career, Scadina has been recognized for his leadership skills and his ability to navigate complex legal landscapes, making significant contributions to the companies he has been part of.
Before joining FICO, Mark Scadina held several significant positions that honed his expertise in legal affairs and corporate governance. He served as Executive Vice President and General Counsel at Broadcom Corporation, where he was deeply involved in the company's legal strategies and compliance programs.
Scadina holds a bachelor's degree from the University of California, Berkeley, and a law degree from Stanford Law School. His extensive legal background and strategic acumen have been essential in managing and mitigating legal risks while ensuring FICO's adherence to regulatory standards.
Throughout his career, Scadina has been recognized for his leadership skills and his ability to navigate complex legal landscapes, making significant contributions to the companies he has been part of.
Michael S. Leonard is the Chief Legal Officer and Executive Vice President at Fair Isaac Corporation, commonly known as FICO. Mr. Leonard is responsible for overseeing all legal affairs of the company, including corporate governance, intellectual property, litigation, compliance, and regulatory matters. His role is vital in ensuring FICO's legal strategies align with its business objectives, managing legal risks, and providing guidance on transactions and partnerships. Before joining FICO, Michael Leonard had extensive experience in legal leadership roles, where he demonstrated a strong ability to navigate complex legal landscapes in the technology and data analytics sectors. His expertise is crucial in supporting FICO's operations and growth, while upholding the company's commitment to ethical standards and legal compliance. Additionally, Mr. Leonard's leadership in the legal department supports FICO's mission to revolutionize the use of data-driven decisions in various industries through its analytics products and services.
Before joining FICO, Michael Leonard had extensive experience in legal leadership roles, where he demonstrated a strong ability to navigate complex legal landscapes in the technology and data analytics sectors. His expertise is crucial in supporting FICO's operations and growth, while upholding the company's commitment to ethical standards and legal compliance. Additionally, Mr. Leonard's leadership in the legal department supports FICO's mission to revolutionize the use of data-driven decisions in various industries through its analytics products and services.
Amir Hermelin is an executive at Fair Isaac Corporation, commonly known as FICO. He serves as the Vice President of Product Management at the company. In this role, Hermelin is responsible for overseeing the management and development of FICO’s product offerings, driving the strategy and roadmap for its various products. With a strong background in technology and business, Hermelin has a history of working in product management and has developed expertise in leading teams to innovate and deliver value-driven solutions in the software industry. His role at FICO involves close collaboration with cross-functional teams to ensure that products meet the market demands and align with the company’s broader objectives. His professional career has been characterized by his ability to integrate technological advancements with market needs, helping FICO maintain its position as a leader in analytics and decision-management technology. Prior to his current role, Hermelin gained experience across various technology clusters, further strengthening his capability to manage product lifecycles effectively in a competitive business environment.
With a strong background in technology and business, Hermelin has a history of working in product management and has developed expertise in leading teams to innovate and deliver value-driven solutions in the software industry. His role at FICO involves close collaboration with cross-functional teams to ensure that products meet the market demands and align with the company’s broader objectives.
His professional career has been characterized by his ability to integrate technological advancements with market needs, helping FICO maintain its position as a leader in analytics and decision-management technology. Prior to his current role, Hermelin gained experience across various technology clusters, further strengthening his capability to manage product lifecycles effectively in a competitive business environment.
Richard Shawn Deal serves as the Executive Vice President and Chief Human Resources Officer at Fair Isaac Corporation, commonly known as FICO. In his role, he oversees global human resources operations, including talent acquisition, employee engagement, leadership development, and organizational strategy, ensuring that FICO attracts, develops, and retains top talent in the industry. With extensive experience in HR leadership, Richard Deal plays a pivotal role in shaping the corporate culture and driving initiatives that sustain FICO's reputation as an innovative analytics and software company. He holds a strong track record in aligning human resources with business goals effectively, contributing to FICO's success and growth in the competitive tech landscape.
John Chen is the Executive Vice President and Chief Financial Officer (CFO) of Fair Isaac Corporation (FICO). He plays a critical role in overseeing the company's financial strategies, including financial planning, analysis, and operations. With a strong background in finance and leadership, Chen brings valuable expertise to FICO, contributing to its growth and strategic direction. His responsibilities also include investor relations, reporting directly to the Chief Executive Officer (CEO) of FICO. Prior to joining FICO, Chen held various leadership positions in finance, enhancing his broad experience within the financial sector.
Michelle Beetar is a seasoned executive known for her work with Fair Isaac Corporation, also known as FICO. With a strong background in business leadership and strategy, Ms. Beetar has played a crucial role in advancing FICO’s goals in various capacities. Her expertise lies in data analytics, decision management, and the development of credit scoring systems, which are integral to FICO's core business. Throughout her career, Michelle has been recognized for her ability to drive growth and innovation within the company. She has been instrumental in fostering partnerships and enhancing client relationships, contributing significantly to FICO's reputation as a leader in predictive analytics and decision management technology. Before her time at FICO, Michelle Beetar garnered extensive experience in the technology and financial services sectors, holding various leadership roles that helped refine her skills in strategic planning and operational execution. Her educational background in business and management has further supported her ascent in the corporate world, allowing her to effectively manage teams and lead initiatives that align with organizational objectives. Overall, Michelle Beetar’s work with FICO underscores her commitment to advancing technological solutions that aid in risk management and decision-making for businesses worldwide.
Throughout her career, Michelle has been recognized for her ability to drive growth and innovation within the company. She has been instrumental in fostering partnerships and enhancing client relationships, contributing significantly to FICO's reputation as a leader in predictive analytics and decision management technology.
Before her time at FICO, Michelle Beetar garnered extensive experience in the technology and financial services sectors, holding various leadership roles that helped refine her skills in strategic planning and operational execution. Her educational background in business and management has further supported her ascent in the corporate world, allowing her to effectively manage teams and lead initiatives that align with organizational objectives.
Overall, Michelle Beetar’s work with FICO underscores her commitment to advancing technological solutions that aid in risk management and decision-making for businesses worldwide.
Ben Nelson is a seasoned executive renowned for his leadership at Fair Isaac Corporation (FICO), a company specializing in analytics software and tools, particularly its credit scoring services. As the Executive Vice President and Chief Financial Officer (CFO) of FICO, Ben Nelson plays a pivotal role in guiding the company's financial strategy and operations. He is responsible for overseeing financial planning, analysis, and reporting, along with investor relations, global operations, and strategies that support FICO’s growth objectives. Before his tenure at FICO, Nelson brought extensive experience in financial management and strategic planning from various roles in different industries. His leadership style is characterized by a strong emphasis on financial discipline, operational efficiency, and driving value for stakeholders. Known for his analytical skills and forward-thinking approach, he is instrumental in navigating FICO through changing market dynamics and ensuring sustainable growth.
Before his tenure at FICO, Nelson brought extensive experience in financial management and strategic planning from various roles in different industries. His leadership style is characterized by a strong emphasis on financial discipline, operational efficiency, and driving value for stakeholders. Known for his analytical skills and forward-thinking approach, he is instrumental in navigating FICO through changing market dynamics and ensuring sustainable growth.
Nikhil Behl serves as the Chief Marketing Officer (CMO) at Fair Isaac Corporation (FICO). In this role, he is responsible for overseeing the company's global marketing strategies and initiatives. Behl focuses on driving brand awareness, promoting the company's portfolio of products, and enhancing customer engagement through innovative marketing techniques. With a strong background in technology marketing and leadership, Behl brings extensive experience in developing strategic marketing plans that align with business objectives and foster growth. His leadership has been instrumental in positioning FICO as a leader in analytics and decision management technology. Before joining FICO, Behl held key marketing positions at various technology firms, where he successfully led efforts to expand market reach and increase brand visibility.