Who Owns Fair Isaac Company?

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Who Really Controls Fair Isaac Company?

Founded in 1956, Fair Isaac Corporation (FICO) revolutionized business decisions with its data analytics approach. Best known for the ubiquitous Fair Isaac SWOT Analysis, FICO's influence on credit risk assessment is undeniable. But who ultimately steers this financial technology giant, and how does its ownership structure impact its future?

Understanding the intricacies of FICO ownership is paramount for investors and stakeholders alike. This exploration into the FICO company delves into the evolution of its ownership, from its founders to its current shareholders. Analyzing who owns FICO provides critical insights into its strategic direction and its role within the financial landscape. Knowing who runs FICO, and the Fair Isaac Company stock dynamics, is key to grasping its market position.

The Fair Isaac Company, now known as FICO, was established in 1956. The founders were William R. Fair and Earl Judson Isaac. Their collaboration marked the beginning of a company that would revolutionize the credit industry.

William R. Fair, an engineer, and Earl Judson Isaac, a mathematician, met while working at the Stanford Research Institute. Their combined expertise laid the foundation for applying data analytics to business decisions. This approach would later become the core of FICO's operations.

Two years after its founding, the company introduced its first credit scoring system. This system was presented to fifty American lenders. This marked a significant step in the evolution of credit risk assessment.

Early Days

The company's initial focus was on applying data analytics to business problems. This approach set the stage for its future in credit scoring and risk management.

Founders' Vision

Fair and Isaac's vision was to use data to make better business decisions. This vision drove the company's early innovations.

Initial System

The first credit scoring system was presented to a group of lenders. This marked a significant milestone in the company's history.

Early Ownership

Information about the specific equity split or shareholding percentages of the founders at the company's inception is not publicly available in recent records.

Early Investors

Details on early backers, angel investors, or friends and family who acquired stakes during the initial phase are not currently available.

Early Agreements

Early agreements such as vesting schedules, buy-sell clauses, or initial ownership disputes and buyouts are not detailed in the provided current information.

Key Takeaways

The founders' backgrounds and vision were crucial to the company's early success. While specific details about the initial ownership structure are not available, the impact of their work is undeniable. The company's journey is a testament to the power of data-driven decision-making. For more insights into the company's marketing strategies, consider reading Marketing Strategy of Fair Isaac.

• Fair Isaac Company was established in 1956 by William R. Fair and Earl Judson Isaac.
• The company's initial focus was on applying data analytics to business decisions.
• Their first credit scoring system was presented to American lenders.
• Details about early ownership and agreements are not readily available.

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The evolution of Fair Isaac Company's (FICO) ownership has been marked by its transition from a private entity to a publicly traded corporation. The initial public offering (IPO) on July 22, 1987, marked a significant shift, allowing for broader investment and increased market visibility. While the IPO's initial market capitalization isn't readily available, the company's substantial growth is evident, with a market capitalization of approximately $43.4 billion as of June 10, 2025.

This transformation has shaped the company's ownership landscape, with a move towards institutional investors. The shift has influenced the company's strategic direction and responsiveness to market dynamics. The change also reflects the company's maturity and integration within the financial ecosystem, influencing its governance and operational strategies.

The current FICO ownership structure is heavily influenced by institutional investors, who hold a significant majority of the shares. As of June 12, 2025, institutional investors held approximately 85.82% of the stock. Key players include Vanguard Group Inc., BlackRock, Inc., and State Street Corp. This concentration of ownership means that the company's stock performance is closely tied to the actions of these major shareholders. While institutional investors dominate, individual investors and insiders also hold shares, though their stakes are comparatively smaller. For more context on the company's journey, you can read a Brief History of Fair Isaac.

Key Takeaways on FICO Ownership

The majority of Fair Isaac Company's stock is held by institutional investors, indicating a strong institutional interest in the company.

• Institutional investors own approximately 85.82% of the company's stock as of June 12, 2025.
• Major shareholders include Vanguard Group Inc., BlackRock, Inc., and State Street Corp.
• The ownership structure influences the company's strategic direction and stock performance.
• Individual and insider ownership is present but less significant compared to institutional holdings.

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The current CEO of the Fair Isaac Company is William J. Lansing. As of March 14, 2025, Lansing directly holds 42,138 shares and indirectly holds an additional 331,651 shares through the Lansing Revocable Trust. Braden R. Kelly serves as the Chairman of the Board. The board's composition reflects a balance between executive leadership and independent oversight, though specific details on the full list of board members, their representation of major shareholders or independent seats, and the precise voting structure are not explicitly detailed in the provided information.

The influence of large institutional investors is significant, as they own over half the issued stock, suggesting the board pays attention to their preferences. The board's focus is likely on strategic direction, risk management, and ensuring long-term shareholder value. The board's decisions are critical in guiding the FICO company's future, especially regarding innovation, market expansion, and maintaining its position in the financial services sector. To understand more about the company's strategic direction, you can read about the Growth Strategy of Fair Isaac.

The ownership structure of Fair Isaac Company, and therefore the composition of the board, is heavily influenced by institutional investors. These investors collectively hold a significant portion of the outstanding shares, which gives them considerable influence over the company's strategic direction and governance practices. This concentration of ownership means that the board is likely to be responsive to the needs and preferences of these major shareholders. There is no information provided about recent proxy battles, activist investor campaigns, or governance controversies.

Key Takeaways on FICO Ownership

The CEO, William J. Lansing, holds a significant number of shares, aligning his interests with those of other shareholders. The Chairman is Braden R. Kelly. Institutional investors hold a majority of the shares.

• William J. Lansing holds approximately 1.5% of the total shares directly and indirectly.
• The board is likely influenced by the preferences of major institutional investors.
• The board plays a crucial role in the strategic direction of the FICO company.
• Understanding the board's composition is key to understanding who runs FICO.

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In recent years, the ownership profile of the Fair Isaac Company, also known as FICO, has been shaped by strong financial performance and strategic decisions. For fiscal year 2024, FICO reported record revenues of $1.72 billion, a 13% increase year-over-year, and a GAAP net income of $513 million, up 21%. The company's robust financial health has influenced investor confidence and ownership dynamics.

FICO has actively engaged in share repurchases, returning capital to shareholders. In fiscal 2024, the company repurchased 606,000 shares at an average price of $1,366 per share. In the second quarter of fiscal year 2025, 112,000 shares were repurchased. However, there have been notable insider transactions, such as the sale of a significant portion of shares by the President and CEO, William J. Lansing, in March 2025, which could influence the FICO ownership structure.

Institutional ownership of FICO remains high, at approximately 85.82% as of early 2025. Major institutional holders like Vanguard Group Inc., BlackRock, Inc., and State Street Corp. continue to hold significant stakes. This high level of institutional involvement underscores the company's appeal to large investors and its strategic position in the analytics software and credit scoring markets. The high percentage of institutional ownership makes the stock price sensitive to their trading actions. For more details on FICO's business operations, you can refer to this article on 0.

Institutional Ownership

Institutional ownership of FICO is approximately 85.82% as of early 2025. This high percentage indicates strong investor confidence in the company. Major institutional holders include Vanguard Group Inc., BlackRock, Inc., and State Street Corp.

Share Repurchases

FICO actively engages in share repurchase programs to return capital to shareholders. In fiscal 2024, 606,000 shares were repurchased. The average price per share in fiscal 2024 was $1,366, and in the second quarter of fiscal year 2025, 112,000 shares were repurchased.

Insider Activity

Insider transactions, such as the sale of shares by the President and CEO, can influence the FICO ownership structure. William J. Lansing sold shares in March 2025. These transactions may reflect changes in insider confidence.

Financial Performance

FICO's strong financial performance supports its ownership profile. Record annual revenues of $1.72 billion in fiscal 2024, a 13% increase, and a net income of $513 million, up 21%, demonstrate the company's financial health.

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