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Fair Isaac Corporation (FICO ) is likely not a household name for investors, but it provides a very valuable service. Every person in America has probably used its service at some point over the past few years. That is how prevalent FICO’s services are to the average person, and yet, this stock flies under the radar of most investors.

FICO has a $3 billion market capitalization which is much smaller than most of the widely covered stocks. But FICO deserves much more attention than it gets—because it has been a notable market outperformer year-to-date and over the past year. As of the Feb. 23 closing price, shares of FICO increased 0.4% since the beginning of 2016, and 14% over the past year. This was a far better performance than the S&P 500 Index, which is down 6% year-to-date and has declined 8.9% over the past year.

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