FICO is an American company specializing in credit risk analysis and providing software solutions for financial institutions, businesses, and government organizations. The company is known for its flagship product - the FICO Score, which is used to assess individuals' creditworthiness and obtain information about their payment ability. In addition, FICO offers a range of software applications for prediction, data analysis, fraud detection, and risk management. These applications are used in the financial sector, insurance, retail, and other industries. Shares of FICO are not publicly traded as the company is privately held.