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Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
Fair Isaac
Fair Isaac (FICO) investor relations material
Fair Isaac Proxy Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Proxy Filing summary9 Jan, 2026
Executive summary
Annual meeting scheduled for March 4, 2026, with key proposals including director elections, executive compensation, auditor ratification, and charter amendments.
Record revenues and free cash flow achieved in fiscal 2025, with continued investment in core platforms and stock repurchases.
FICO’s business spans Scores and Software segments, with significant product launches and industry partnerships in 2025.
Shareholder engagement and feedback are integral to governance and compensation decisions.
Voting matters and shareholder proposals
Election of eight directors, all but the CEO are independent, to serve until 2027.
Advisory vote on executive compensation, with board recommendation to approve.
Ratification of Deloitte & Touche LLP as independent auditor for fiscal 2026.
Approval sought for amendments to allow officer exculpation under Delaware law and to eliminate the supermajority voting requirement.
Board of directors and corporate governance
Board comprises eight nominees, 88% independent, 38% female, and 25% racially/ethnically diverse.
Directors bring expertise in technology, finance, strategy, SaaS, and risk management.
Annual elections, majority voting standard, and director resignation policy in place.
Board leadership is separated, with an independent chairman.
Three standing committees: Audit, Leadership Development and Compensation, and Governance, all fully independent.
Annual board and committee self-evaluations and regular executive sessions.
How did FY25 TSR impact PEO's 'Compensation Actually Paid'?
What governance changes result from supermajority vote elimination?
How do equity retirement provisions aid executive retention?
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Next Fair Isaac earnings date
Q1 202628 Jan, 2026
Fair Isaac
Next Fair Isaac earnings date
Q1 202628 Jan, 2026
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Frequently asked questions
The go-to credit rating system
Fico is the most recognizable name in credit scores and the most widely used credit scoring system in the US. When using a credit scoring algorithm, 90 percent of top US lenders in 90 percent of lending decisions use Fico’s systems. And 98.8 percent of dollars securitized in the US solely cite Fico scores as risk measurement, 300 million consumer accounts have access to Fico scores, and one billion consumers could get credit through the scores. Fico is the industry standard for consumer credit lending decisions, and there are high barriers to entry for new companies that seek to replicate similar services. Some of the company’s competitors include Fiserv, Western Union, and Experian.
The first low-cost producer of high accuracy scores
Fico’s sticky offering could be compared with getting Americans to start using the metric system or quoting temperature in Celsius. Fico is the low-cost producer of high accuracy scores; for example, it took Synchrony Financial three years to move away from using Fico. The company's fast-growing software business also has substantial switching costs. It becomes increasingly embedded in customer workflows, a software with over 90 percent retention rate and, thus, substantial amounts of recurring revenue.
Checks many of the wide moat criteria
The Fico score was introduced in 1989, and through the information found in the individual consumer's credit reports, the algorithm calculates credit scores for them. Lenders use these scores to evaluate the creditworthiness of their customers and thus determine whether to approve applications for loans, credit cards, and other borrowings.
As the creator and owner of the FICO credit-rating score with a world-class credit database, Fico checks many of the criteria when looking for a wide moat business:
High free cash flow
High return on capital employed
High return on equity
High operating margins
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