Fair Isaac (FICO) Raymond James & Associates’ 46th Annual Institutional Investors Conference 2025 summary

Business overview and segment insights

• Operates two main segments: scores (credit risk, account management, marketing) and software (decisioning, fraud, collections).

• Scores are primarily North American, with some global reach; software is used globally, especially in financial services.

• Decisioning platform enables real-time, automated customer decisions, supporting digital transformation.

Strategic priorities and innovation

• Investing in software platform efficiency and architecture to enable scalable growth and cost savings.

• Ongoing innovation in scores, with new products expected to roll out during the year.

• Focused on maintaining backward compatibility and consistency in score updates for industry trust.

Pricing strategy and value proposition

• Scores pricing remained unchanged for 30 years, then increased seven years ago, reflecting accumulated value.

• Pricing is informed by customer use cases and market checks, aiming for broad adoption and value.

• Software contracts typically run three years with CPI escalators; platform pricing is more dynamic than legacy.