FICO is a global analytics software company that enables businesses to operationalize data-driven decision-making at scale through two primary business segments: Scores and Software. The Scores segment generates revenue by licensing the FICO® Score, the industry-standard measure of consumer credit risk in the U.S., to financial institutions and consumer reporting agencies, while also offering direct-to-consumer credit monitoring and education products. The Software segment provides pre-configured and customizable analytics and decisioning solutions—including fraud detection, loan origination, customer management, and optimization tools—sold primarily through multi-year subscription contracts to financial services firms, insurers, retailers, and government agencies. The company derives the vast majority of its revenue from financial services institutions, particularly major banks, credit card issuers, and mortgage lenders, and maintains deep customer relationships across the largest global financial institutions and Fortune 500 companies.