Key Takeaways FICO's Q3 revenues are expected to rise 26.64%, with earnings projected to grow 40.26% year over year.Higher mortgage pricing, healthy originations and Score 10T adoption may support FICO's Scores growth.FICO Platform ARR rose 49% to $349 million on customer wins, broader use cases and migrations. Fair Isaac Corporation (FICO - Free Report) is set to report its third-quarter 2026 results on July 29.
The Zacks Consensus Estimate for third-quarter 2026 revenues is pegged at $679.31 million, suggesting an increase of 26.64% from the reported figure in the year-ago quarter.
The consensus mark for third-quarter 2026 earnings is pegged at $12.02 per share, down by 0.25% over the past 30 days, while indicating 40.26% year-over-year growth.
The company’s earnings beat the Zacks Consensus Estimate in each of the trailing four quarters, delivering an average surprise of 8.78%.
Let us see how things have shaped up prior to this announcement.
Factors Likely to Impact FICO’s Q3 PerformanceFICO's third-quarter 2026 performance is likely to have been driven by continued strength in its Scores business, supported by higher mortgage pricing and healthy origination activity. Mortgage origination revenues surged 127% year over year in the second quarter of 2026, reflecting the benefit of higher pricing and stronger volumes.
The rollout of FICO Score 10T is expected to have provided another growth tailwind in the to-be-reported quarter. During the second quarter of 2026, the company added 11 lenders to its Early Adopter Program, bringing the total to 55 lenders that represent more than $495 billion in annual serviceable mortgage originations. Three of the five largest mortgage resellers have signed up for the Direct Licensing Program, with the remaining two expected to join pending final regulatory approval. These developments are likely to have supported broader adoption of FICO Score 10T in the to-be-reported quarter.
Fair Isaac’s software business is also likely to have benefited from continued momentum in the FICO Platform. Total software ARR increased 10% year over year to $789 million in the second quarter of 2026, while Platform ARR jumped 49% to $349 million. Platform revenues grew 54%, supported by new customer wins, expanded use cases among existing customers and migrations to the platform. Management noted that software bookings are expected to be stronger in the second half of fiscal 2026 than in the first half, reflecting a healthy sales pipeline. This momentum is expected to have continued in the to-be-reported quarter as well.
FICO’s investments in explainable artificial intelligence (AI) and decisioning software are expected to remain a positive catalyst. The company highlighted that the FICO Platform is "agentic-by-design," with more than 150 customers using it across multiple use cases. Management noted that FICO has been issued 137 AI-related patents and continues to invest in explainable AI capabilities for highly regulated industries, strengthening its competitive positioning as enterprise AI adoption accelerates.
However, delays in regulatory approvals for the FICO Score 10T Direct Licensing Program and uncertainty regarding the timing of its commercial rollout could affect the pace of adoption in the to-be-reported quarter. Management continues to assume conservative mortgage volume trends, while macroeconomic conditions and housing market activity remain variables that could influence quarterly performance.
What Our Model Says About FICOPer the Zacks model, the combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. But that is not the exact case here.
Fair Isaac currently has an Earnings ESP of -0.04% and a Zacks Rank #3. You can uncover the best stocks to buy or sell before they are reported with our Earnings ESP Filter.
Stocks to ConsiderHere are some companies worth considering, as our model shows that they have the right combination of elements to post an earnings beat in their upcoming releases.
Amphenol (APH - Free Report) has an Earnings ESP of +1.12% and a Zacks Rank #1 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
Amphenol shares have gained 16.5% year to date. Amphenol is scheduled to report its second-quarter 2026 results on July 29.
ASE Technology (ASX - Free Report) has an Earnings ESP of +21.21% and a Zacks Rank #2 at present.
ASE Technology shares have surged 145.1% year to date. ASE Technology is set to report its second-quarter 2026 results on July 30.
Fortive (FTV - Free Report) has an Earnings ESP of +2.82% and a Zacks Rank #2 at present.
Fortive shares have gained 9.8% in the year-to-date period. Fortive is set to report its second-quarter 2026 results on July 29.
Wall Street expects a year-over-year increase in earnings on higher revenues when Fair Isaac (FICO - Free Report) reports results for the quarter ended June 2026. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.
The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 29. On the other hand, if they miss, the stock may move lower.
While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
Zacks Consensus EstimateThis financial services company is expected to post quarterly earnings of $12.02 per share in its upcoming report, which represents a year-over-year change of +40.3%.
Revenues are expected to be $679.31 million, up 26.6% from the year-ago quarter.
Estimate Revisions TrendThe consensus EPS estimate for the quarter has been revised 0.47% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts.
Price, Consensus and EPS Surprise
Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction).
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for Fair Isaac?For Fair Isaac, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -0.04%.
On the other hand, the stock currently carries a Zacks Rank of #3.
So, this combination makes it difficult to conclusively predict that Fair Isaac will beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?While calculating estimates for a company's future earnings, analysts often consider to what extent it has been able to match past consensus estimates. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that Fair Isaac would post earnings of $11.03 per share when it actually produced earnings of $12.50, delivering a surprise of +13.33%.
Over the last four quarters, the company has beaten consensus EPS estimates four times.
Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
Fair Isaac doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
Andra AP fonden grew its stake in shares of Fair Isaac Corporation (NYSE:FICO – Free Report) by 424.4% in the first quarter, according to the company in its most recent filing with the SEC. The firm owned 8,600 shares of the technology company’s stock after acquiring an additional 6,960 shares during the quarter. Andra AP fonden’s holdings in Fair Isaac were worth $9,181,000 as of its most recent SEC filing.
A number of other hedge funds also recently modified their holdings of FICO. Bayban bought a new stake in Fair Isaac during the fourth quarter worth $25,000. Physician Wealth Advisors Inc. raised its holdings in shares of Fair Isaac by 166.7% during the 4th quarter. Physician Wealth Advisors Inc. now owns 16 shares of the technology company’s stock worth $27,000 after buying an additional 10 shares in the last quarter. Torren Management LLC bought a new stake in shares of Fair Isaac during the 4th quarter worth $30,000. Elyxium Wealth LLC bought a new position in Fair Isaac in the fourth quarter valued at about $42,000. Finally, Rakuten Securities Inc. raised its stake in Fair Isaac by 100.0% during the second quarter. Rakuten Securities Inc. now owns 24 shares of the technology company’s stock worth $44,000 after acquiring an additional 12 shares in the last quarter. Institutional investors own 85.75% of the company’s stock.
Analyst Upgrades and Downgrades FICO has been the subject of several research analyst reports. Raymond James Financial reiterated an “outperform” rating and set a $1,750.00 price target on shares of Fair Isaac in a report on Wednesday, April 29th. Barclays dropped their target price on Fair Isaac from $2,400.00 to $1,950.00 and set an “overweight” rating for the company in a research report on Friday, April 10th. Weiss Ratings upgraded Fair Isaac from a “hold (c-)” rating to a “hold (c)” rating in a report on Wednesday, July 15th. Wall Street Zen lowered shares of Fair Isaac from a “buy” rating to a “hold” rating in a report on Sunday, June 28th. Finally, Bank of America cut their target price on shares of Fair Isaac from $1,550.00 to $1,400.00 and set a “buy” rating on the stock in a research report on Tuesday, May 19th. Ten equities research analysts have rated the stock with a Buy rating and five have issued a Hold rating to the company. Based on data from MarketBeat, Fair Isaac has a consensus rating of “Moderate Buy” and a consensus price target of $1,627.93.
View Our Latest Analysis on Fair Isaac
Fair Isaac Trading Down 2.8% NYSE:FICO opened at $1,229.07 on Wednesday. Fair Isaac Corporation has a 12 month low of $870.01 and a 12 month high of $1,998.01. The stock has a market capitalization of $28.50 billion, a price-to-earnings ratio of 38.93, a PEG ratio of 1.12 and a beta of 1.29. The firm has a fifty day simple moving average of $1,204.37 and a two-hundred day simple moving average of $1,252.50.
Fair Isaac (NYSE:FICO – Get Free Report) last announced its quarterly earnings data on Tuesday, April 28th. The technology company reported $12.50 earnings per share for the quarter, beating the consensus estimate of $11.03 by $1.47. The firm had revenue of $691.68 million for the quarter, compared to analyst estimates of $630.21 million. Fair Isaac had a net margin of 33.67% and a negative return on equity of 41.04%. The business’s quarterly revenue was up 38.7% compared to the same quarter last year. During the same quarter in the prior year, the business earned $7.81 earnings per share. Fair Isaac has set its FY 2026 guidance at 40.450-40.450 EPS. Equities analysts predict that Fair Isaac Corporation will post 38 earnings per share for the current fiscal year.
Fair Isaac Company Profile (Free Report)
Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.
FICO’s product portfolio centers on analytics and decisioning technologies.
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BOZEMAN, Mont.--(BUSINESS WIRE)--Global analytics software leader FICO (NYSE: FICO), will announce its third quarter fiscal 2026 results on July 29, 2026, after the market closes and will host a conference call on July 29th at 5:00 p.m. Eastern time (4:00 p.m. Central/ 2:00 p.m. Pacific). This call will be webcast and can be accessed at FICO's website at www.fico.com/investors. A replay of the webcast will be available at our Event Calendar under Past Events through July 29, 2027. About FICO FI.
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.
Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.94% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Fair Isaac (FICO - Free Report) Fair Isaac Corporation, better known as FICO, offers analytical tools, software and solutions that help in making informed decisions.
FICO is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Additionally, the company could be a top pick for growth investors. FICO has a Growth Style Score of A, forecasting year-over-year earnings growth of 46% for the current fiscal year.
One analyst revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.07 to $43.63 per share. FICO also boasts an average earnings surprise of +8.8%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, FICO should be on investors' short list.
FICO’s Homeownership Survey shows that 74% of prospective buyers report being financially blocked from buying a home this year amid current interest rates and rising home prices
BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), global analytics software leader, today announced the results of the FICO Homeownership Survey, a new study that uncovers the financial barriers, knowledge opportunities and behavioral shifts impacting prospective homebuyers (defined as Americans who plan to buy a home in the next 12 months). From high home prices and rising interest rates, prospective buyers – especially first-time homebuyers – are facing multiple financial and economic stressors and as a result, report struggling to unlock their dreams of homeownership.
FICO’s Homeownership Survey shows most Americans who don’t own a home say homeownership feels out of reach
Share The research, conducted by The Harris Poll on behalf of FICO, also found that prospective homebuyers are eager for tools and financial education to help them feel more prepared to enter the market.
“Buying a home is one of the most significant financial decisions a person can make, yet for many Americans, rising home prices and interest rates are putting that goal further out of reach," said Jenelle Dito, vice president of consumer empowerment and partnership at FICO. “These economic pressures aren't just discouraging buyers — they're fundamentally changing how Americans plan and prepare for this milestone. Prospective buyers, especially those entering the market for the first time, are delaying plans, adjusting expectations and navigating a process that many find confusing.”
Key findings from the FICO Homeownership Survey include:
Homeownership Feels Out of Reach for Most Americans Who Don’t Own a Home: Americans most commonly say owning a home represents independence (57%) and financial stability (53%), while first-time homebuyers (defined as those who have never owned a home) most commonly see it as achieving a major life milestone (49%). Yet despite these aspirations, 62% of Americans who don’t currently own a home — and 57% of first-time homebuyers — say homeownership feels out of reach for them today. Just 15% of Americans plan to buy a home in the next 12 months. High Home Prices and Interest Rates Are the Top Barriers: Three quarters (74%) of prospective homebuyers, and 85% of first-time homebuyers, say financial obstacles have prevented them from buying a home this year, with high home prices (34%) and high interest rates (33%) ranking as the top two barriers. Financial pressures are causing 74% of prospective homebuyers — and 85% of first-time homebuyers — to delay or reconsider their plans to purchase in the next 12 months. Rising interest rates alone have influenced the home-buying decisions of 51% of all Americans, 73% of prospective homebuyers and 81% of first-time homebuyers, with many either exploring more affordable markets (18%, 30%, 34%, respectively) or pausing their plans altogether (20%, 30%, 26%, respectively). Confusion About the Homebuying Process and Credit Exist: Nearly 3 in 5 Americans (59%) say they don't completely understand the steps involved in buying a home — a figure that rises to 64% among first-time homebuyers. At the same time, the overwhelming majority (85%) of Americans view credit score management as a wealth-building strategy, not just a borrowing tool. And, while 84% of Americans claim to understand how their credit score affects mortgage eligibility, about 1 in 5 (22%) underestimate or are unsure of its impact on mortgage rates. This confusion may be influencing the financial inaction of Americans as 17% of prospective homebuyers haven't taken steps to improve their credit score ahead of a purchase, and more than a quarter (26%) haven't encouraged their co-applicant to do the same. “The path to homeownership starts with understanding your financial readiness, yet our research shows many Americans — particularly first-time buyers — are still navigating that process without clear guidance,” added Dito. “Consumers don’t need to wait to take action. By better understanding their FICO Score and the role it plays in mortgage access and affordability, they can start building a stronger foundation for homeownership.”
For more on FICO’s Homeownership Survey, click here: https://www.fico.com/blogs.
FICO has a longstanding commitment to empowering people and economies through financial literacy. In addition to this curriculum and live SABF Fundamentals workshops, FICO provides resources to help people enhance their financial literacy, understand credit and make empowered decisions. This includes in-person and webinar workshops, credit education materials and tools, as well as the myFICO website and app that enable consumers to check and monitor their FICO® Score for free.
For more information about FICO’s credit empowerment programs, visit https://www.fico.com/empowerment.
Survey Method
This survey was conducted online within the United States by The Harris Poll on behalf of FICO from June 4-8, 2026 among 3,047 U.S. adults ages 18 and older, among whom 449 plan to buy a home in the next 12 months, of which 175 are first-time homebuyers. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 2.7 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact [email protected].
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
Comprehensive new data and risk insights enable faster underwriting, onboarding, and portfolio monitoring
, /PRNewswire/ -- Verdata, a provider of small- and medium-sized business (SMB) data and risk insights for financial institutions and fintechs, today announced a strategic partnership with FICO, a global analytics software leader, through which Verdata's solutions will be available on FICO® Marketplace. As financial institutions, payment providers, and fintechs expand their SMB portfolios, they face growing pressure to make faster, more confident decisions with data that is often fragmented, outdated, or difficult to connect.
Through FICO® Marketplace, organizations can now access Verdata's actionable data and risk insights directly within their decisioning workflows. This enables teams to evaluate SMBs, monitor portfolio changes, and surface meaningful risk signals without relying on disconnected checks or new point-to-point integrations.
Verdata brings together 25M+ public, private, and consortium-based data records across firmographics, regulatory activity, business performance, financial indicators, principals, licensing, service reputation, and ongoing change signals. For lenders, payment providers, marketplaces, and other organizations, these insights help to significantly reduce manual review, identify changes sooner, and support stronger decisions across onboarding, underwriting, lead scoring, compliance, and portfolio monitoring.
"Financial institutions expanding their SMB portfolios need data they can act on," said Jason Andrew, chief revenue officer at FICO. "FICO Marketplace was built to eliminate the friction between insight and action with intelligent decisioning, and Verdata's SMB solutions deliver critical business context our customers need, directly within the workflows where decisions are made."
"All organizations serving small and medium-sized businesses face pressure to make faster and smarter decisions. Traditional data sources leave critical gaps like incomplete, outdated, or disconnected data elements," said Mike Mondelli, CEO of Verdata. "By adding Verdata's business intelligence to the FICO® Marketplace, we enable organizations to incorporate complete, current, and actionable data into their decisioning ecosystem, helping them evaluate businesses faster, act with confidence, and strengthen outcomes across the customer lifecycle."
FICO Marketplace is accessible directly within FICO® Platform and enables customers to leverage a catalog of offerings from trusted and pre-vetted providers. The marketplace reshapes how organizations gain value from AI by enabling rapid discovery and deployment of data, analytics and decisioning assets that fuel intelligent decisioning and drive better business outcomes.
To learn more, visit FICO® Marketplace.
About Verdata
Verdata is a small and medium-size business data and risk intelligence platform that helps organizations make clearer, faster, and more confident decisions across onboarding, underwriting, lead scoring, compliance, and portfolio monitoring. Leveraging its proprietary data consortium and unifying fragmented business data into an actionable intelligence layer, Verdata gives lenders, payment providers, marketplaces, and other organizations greater visibility into business identity, risk, and change.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com/en
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
BOZEMAN, Mont.--(BUSINESS WIRE)---- $FICO--More than a decade of loan-level performance data has been released to support evaluation and adoption of FICO Score 10T.
Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, but may initiate a beneficial Long position through a purchase of the stock, or the purchase of call options or similar derivatives in FICO over the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.
Joint initiative empowers the next generation with the knowledge and skills to achieve lasting financial wellbeing and independence
LONDON--(BUSINESS WIRE)--Global analytics software leader FICO (NYSE: FICO) brought its financial literacy mission to the U.K. for the first time through its partnership with Chelsea Foundation, building on its three-year relationship with Chelsea FC. A leader in financial education, FICO empowers consumers with knowledge and tools to better understand and manage their financial health.
FICO brought its financial literacy mission to the U.K. for the first time through its partnership with Chelsea Foundation, building on its three-year relationship with Chelsea FC.
ShareTogether, FICO and Chelsea Foundation harnessed the universal appeal of soccer to bring financial education to life for UK teens. Through this partnership, FICO and the Chelsea Foundation hosted their inaugural financial literacy event at Stamford Bridge on June 12th. The first of three events hosted 175 students. As part of the program, students worked in teams to learn how to manage a professional soccer club with a budget and balance sheet. FICO volunteers were on-site to assist students as they learned to manage operational costs, player salaries, expenses, and more.
The day concluded with financial strategy presentations to a panel of judges. Judges scored teams on financial decisions, teamwork, and communication, selecting top teams from each school. The afternoon culminated in a celebration where students toured the iconic Stamford Bridge stadium and met Chelsea FC Legend Jimmy Floyd Hasselbaink.
Mariel Zelhart, Head of Philanthropic Partnerships, Chelsea Foundation, commented: "We are delighted to partner with FICO to provide young people with valuable financial education in such an engaging and memorable way.
"At Chelsea Foundation, we are committed to creating opportunities that help young people develop the skills, knowledge, and confidence they need to thrive both now and in the future. Combining football with practical financial learning helps students to build a stronger understanding of money management, teamwork, and decision-making. We look forward to continuing our work with FICO and seeing the positive impact this partnership will have on the young people across our communities.”
The partnership between FICO and Chelsea Foundation builds on FICO's existing relationship with Chelsea FC. Together, they are extending that commitment beyond the pitch — bringing financial literacy education to UK youth and demonstrating the powerful role that understanding credit and personal finance plays in helping people achieve lasting financial wellbeing.
“Financial literacy is one of the most powerful tools we can give young people, yet millions of youth around the world still lack access to basic financial education,” said Rukiya Kelly, Global Head of Corporate Impact. “We take great pride in partnering with an organization as impactful as Chelsea Foundation. Together, we are broadening access to personal finance education, closing the knowledge gap, and empowering the next generation to build stronger financial futures.”
For more information about FICO’s credit empowerment programs across the globe, visit: https://www.fico.com/empowerment.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
Learn more at https://www.fico.com.
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/.
For FICO news and media resources, visit https://www.fico.com/newsroom.
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
About Chelsea Foundation
Chelsea Foundation: Where pride in our club becomes impact in our community.
We believe in the power of our club, our fans and our partners to bring people together, create healthier lives and shape brighter futures. We harness the passion, energy, resources and excellence of Chelsea FC to help tackle key issues and create opportunities in our local areas. Delivering across our three pillars of wellbeing, community and futures, we recognise the challenges many people face around our club’s footprint, and we’re determined to make a difference.
We focus on proactive grant giving, partner initiatives, and delivering impact where it matters most. Through our work with the Chelsea Players’ Trust, we also support the players who created our legacy. Founded in 2010, the Chelsea Foundation builds on the club’s history and positive impact in our community.
Global analytics software leader FICO (NYSE: FICO) brought its financial literacy mission to the U.K. for the first time through its partnership with Chelsea Foundation, building on its three-year relationship with Chelsea FC. A leader in financial education, FICO empowers consumers with knowledge and tools to better understand and manage their financial health.
Together, FICO and Chelsea Foundation harnessed the universal appeal of soccer to bring financial education to life for UK teens. Through this partnership, FICO and the Chelsea Foundation hosted their inaugural financial literacy event at Stamford Bridge on June 12th. The first of three events hosted 175 students. As part of the program, students worked in teams to learn how to manage a professional soccer club with a budget and balance sheet. FICO volunteers were on-site to assist students as they learned to manage operational costs, player salaries, expenses, and more.
The day concluded with financial strategy presentations to a panel of judges. Judges scored teams on financial decisions, teamwork, and communication, selecting top teams from each school. The afternoon culminated in a celebration where students toured the iconic Stamford Bridge stadium and met Chelsea FC Legend Jimmy Floyd Hasselbaink.
Mariel Zelhart, Head of Philanthropic Partnerships, Chelsea Foundation, commented: "We are delighted to partner with FICO to provide young people with valuable financial education in such an engaging and memorable way.
"At Chelsea Foundation, we are committed to creating opportunities that help young people develop the skills, knowledge, and confidence they need to thrive both now and in the future. Combining football with practical financial learning helps students to build a stronger understanding of money management, teamwork, and decision-making. We look forward to continuing our work with FICO and seeing the positive impact this partnership will have on the young people across our communities.”
The partnership between FICO and Chelsea Foundation builds on FICO's existing relationship with Chelsea FC. Together, they are extending that commitment beyond the pitch — bringing financial literacy education to UK youth and demonstrating the powerful role that understanding credit and personal finance plays in helping people achieve lasting financial wellbeing.
“Financial literacy is one of the most powerful tools we can give young people, yet millions of youth around the world still lack access to basic financial education,” said Rukiya Kelly, Global Head of Corporate Impact. “We take great pride in partnering with an organization as impactful as Chelsea Foundation. Together, we are broadening access to personal finance education, closing the knowledge gap, and empowering the next generation to build stronger financial futures.”
For more information about FICO’s credit empowerment programs across the globe, visit: https://www.fico.com/empowerment.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
Learn more at https://www.fico.com.
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/.
For FICO news and media resources, visit https://www.fico.com/newsroom.
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
About Chelsea Foundation
Chelsea Foundation: Where pride in our club becomes impact in our community.
We believe in the power of our club, our fans and our partners to bring people together, create healthier lives and shape brighter futures. We harness the passion, energy, resources and excellence of Chelsea FC to help tackle key issues and create opportunities in our local areas. Delivering across our three pillars of wellbeing, community and futures, we recognise the challenges many people face around our club’s footprint, and we’re determined to make a difference.
We focus on proactive grant giving, partner initiatives, and delivering impact where it matters most. Through our work with the Chelsea Players’ Trust, we also support the players who created our legacy. Founded in 2010, the Chelsea Foundation builds on the club’s history and positive impact in our community.
Learn more: chelseafoundation.chelseafc.com
View source version on businesswire.com: https://www.businesswire.com/news/home/20260623898820/en/
Balances return to record high as spend increases and repayments fall, suggesting inflation and energy prices are hitting hard
LONDON--(BUSINESS WIRE)--New credit card data analysis by global analytics software leader FICO (NYSE: FICO) has found that spending rose in April, following typical Easter behaviour. However, we are seeing a strong trend downwards with the percentage of balance being paid, and this is driving up overall balances. The percentage of balance paid fell for the third month in a row and late payments increased year-on-year, balances returned to record high levels. This marks a notable shift from the improvements seen in 2025 for the percentage of customers missing payments. In April, there was the biggest increase in consumers missing three payments. Household budgets are clearly showing the strain from persistent inflation and the current fallout from volatile global energy prices.
The percentage of balance paid fell for the third month in a row and late payments increased year-on-year, balances returned to record high levels.
Share Highlights
Spending rose 10% month-on-month, reaching an average of £815 Average active balances increased 1.3% month-on-month to £1,950, matching the record high reached in December 2025 The percentage of overall balance paid decreased 1.4% month-on-month to 32.6%, continuing the downward trend that has persisted since 2025 and approaching the pre-pandemic average of 30% The percentage of customers missing two payments rose 1.9% month-on-month and 16.3% year-on-year The percentage of customers missing three payments also increased month-on-month by 6.2% and 17.3% year-on-year – the most significant annual deterioration seen across any delinquency category Balances on accounts with missed payments were higher across all delinquency categories than the same month last year Overlimit accounts increased sharply, by 14.1% month-on-month and 4.6% year-on-year FICO Comment:
April 2026 presents a mixed but broadly concerning picture for lenders. With consumer spending rising, but repayments falling, more customers have fallen into arrears and gone over their credit limit.
The monthly growth in spending does not go far enough to rise above 2025 levels, suggesting that any improvements are likely to be seasonal rather than a sign of stronger financial health. And with average balances now matching the record high from December 2025, it is clear that consumers are carrying more debt in 2026.
Despite the slight month-on-month improvement in the number of accounts with one missed payment after a spike in March, the figure remains 4.9% higher year on year. And those customers who are missing payments for the first time are doing so with a higher level of debt than a year ago, with average balance for accounts with one missed payment rising by 6.7% year-on-year to £2,480.
The picture for late payments is particularly concerning for those missing multiple payments. The percentage of accounts with two and three missed payments has grown more sharply. And average balances for two and three missed payments are 0.5% and 3.4% higher than 2025, at £2,855 and £3,325, respectively.
The other signal of weakened affordability is the number of overlimit accounts, which increased sharply by 14.1% month-on-month, and 4.6% year-on-year. Average overlimit spending of £95 represents a 5.9% drop on March but remains 5.5% higher than the previous year.
With seasonal spending increases likely to put further pressure on already stretched affordability levels, risk managers should prioritise proactive pre-delinquency intervention strategies and enhanced early warning monitoring ahead of the summer.
Key Trend Indicators – UK Cards April 2026
Metric
Amount
Month-on-Month Change
Year-on-Year Change
Average UK Credit Card Spend
£815
+10.0%
-1.3%
Average Card Balance
£1,950
+1.3%
+4.1%
Percentage of Payments to Balance
32.6%
-1.4%
-4.1%
Accounts with One Missed Payment
1.4%
-19.5%
+4.9%
Accounts with Two Missed Payments
0.4%
+1.9%
+16.3%
Accounts with Three Missed Payments
0.2%
+6.2%
+17.3%
Average Credit Limit
£5,960
+0.2%
+2.0%
Average Overlimit Spend
£95
-5.9%
+5.5%
Cash Sales as a % of Total Sales
0.8%
+2.4%
-0.9%
Source: FICO
These card performance figures are part of the data shared with subscribers of the FICO® Benchmark Reporting Service. The data sample comes from client reports generated by the FICO® TRIAD® Customer Manager solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
FICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries.
Fair Isaac Corporation (FICO) is initiated at Buy, with concerns over VantageScore competition and pricing seen as overblown. FICO's dominant market position, robust margins, and entrenched relationships make large-scale lender migration to VantageScore unlikely. Recent price cuts on FICO's 10T product neutralize VantageScore's pricing advantage, reinforcing the duopoly and supporting margin resilience.
FICO (NYSE: FICO), global analytics software leader, today announced the results of a new analysis by independent actuarial firm Milliman, finding that FICO® Score 10T is the most predictive credit score for evaluating first-time homebuyer mortgage risk, outperforming VantageScore 4.0. The findings are especially significant for the millions of Americans working to achieve the dream of homeownership, where the accuracy of the credit score a lender relies on directly shapes who gets approved and on what terms.
The newly released analysis builds on Milliman's earlier research showing FICO® Score 10T is the most predictive credit score for evaluating mortgage default risk. Milliman independently analyzed nearly 20 million mortgages from a major U.S. credit bureau, covering GSE, FHA, and overall mortgage loans from 2011 through 2023.
Key findings from the Milliman analysis on first-time buyers include:
More accurate risk prediction overall: FICO® Score 10T did a better job separating borrowers who pay as agreed from those who default, across all three industry-standard measures as identified by Fannie Mae and Freddie Mac in their 2020 Joint Enterprise Credit Solicitation to assess score accuracy and reliability. Strongest results for FHA loans: For FHA first-time homebuyer mortgages, a critical path to homeownership for lower-down-payment buyers, FICO Score 10T outperformed VantageScore 4.0 by over 10%. The differences between score performance were largest for origination periods with higher default rates, strengthening FICO Score 10T’s value in managing default risk. More first-time buyers in better pricing tiers: FICO Score 10T scored more first-time homebuyers in the highest credit score bands relative to VantageScore 4.0. “FICO believes the best way to expand homeownership is to give lenders the most accurate view of the borrowers in front of them,” said Julie May, vice president and general manager of B2B Scores at FICO. “This Milliman study shows that FICO Score 10T provides a more reliable view of first-time homebuyer risk than any other credit score available today. That precision allows lenders to extend credit confidently to qualified buyers, supports more stable outcomes for families and investors, and ultimately helps open the door to homeownership for more Americans.”
FICO® Score 10T incorporates trended credit data and, when available in the credit bureau file, rental payment history — giving lenders a more complete view of how consumers manage credit and housing payments over time. That richer picture is especially meaningful for first-time homebuyers, whose credit profiles are often thinner or still evolving.
To ensure lenders can evaluate the findings for themselves, FICO® Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Program, enabling side-by-side testing without requiring lenders to pay for an additional score. Nearly 60 lenders have already signed up.
The full white paper is available at https://www.milliman.com/en/insight/fico-score-10t-vantagescore-4-analysis-first-time-homebuyers.
For more information on how to sign up for the FICO Score 10T Free Access Program, visit the FICO Score 10T Migration Resource Center.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260518761168/en/
Brazil's leading private bank has won a 2026 FICO® Decision Award for Decision Management Innovation
SÃO PAULO--(BUSINESS WIRE)--FICO (NYSE: FICO):
For its outstanding results and innovation in decision management, Bradesco was recognized with the 2026 FICO® Decision Award.
Share Banco Bradesco S.A., one of Brazil's largest private banks, has scaled daily payroll lending from 8 to 700+, more than 100 times, by leveraging the advanced capabilities of the FICO® Platform.
By adopting a data-driven and automated decisioning approach, Bradesco grew its payroll lending operations at an exceptional pace, achieving triple-digit growth in daily production while maintaining high levels of precision, risk control, and regulatory compliance.
This transformation enabled the bank to multiply its cumulative loan portfolio more than 30 times, while simultaneously expanding access to credit and accelerating its digital transformation agenda across retail banking.
For its outstanding results and innovation in decision management, Bradesco was recognized with the 2026 FICO® Decision Award.
Bradesco modernized its payroll-deductible loan offering by deploying a cloud-native eligibility engine built on the FICO® Platform. The solution acts as an intelligent decision orchestrator, integrating real-time data via APIs from government sources such as eSocial, Dataprev, and Digital CTPS with Bradesco’s customer and risk data to automatically validate employment status and eligibility for CLT workers within seconds, supporting scalable, resilient, and real-time processing.
More information: https://www.fico.com/en/fico-platform
“This modernization allowed us to move to a fully digital, end-to-end automated model,” said Wallace Jagiello, BU CIO for lending at Banco Bradesco. “With intelligent decisioning at the core, we are able to deliver faster, more accurate, and safer loan offers at scale, expanding access to payroll-deductible credit for millions of formally employed workers across Brazil.”
Navigating Brazil's Digital Payroll Revolution
In 2025, the Brazilian government expanded its payroll lending model through the Dataprev Digital Payroll Loan Marketplace, accessed via eSocial and CTPS Digital. This reform introduced a centralized digital environment where multiple financial institutions compete to offer eligible workers the best loan terms within 24 hours, opening access to competitive credit for 45–50 million formal-sector workers.
Building Intelligent Decision Orchestration
At the heart of Bradesco's solution is a dual-assessment model that evaluates both employee and employer to mitigate risk and improve portfolio quality. The sophisticated engine dynamically evaluates loan eligibility by analyzing income, credit history, payroll deduction limits, employer relationships, and risk profiles powered by FICO's advanced analytics and adaptive policy framework.
The cloud-native architecture enables sub-minute processing times from customer simulation to offer generation, giving Bradesco a powerful advantage in Brazil's highly competitive marketplace where institutions have up to 24 hours to respond. The platform handles exponential growth while delivering full compliance and maintaining decision quality through a modular, cloud-based, scalable architecture and multi-variable real-time intelligence.
“This technological transformation delivered extraordinary scale while democratizing access to fair and affordable credit,” said Kleber Firmo Fernandes, executive superintendent for payroll at Banco Bradesco. “We expanded financial inclusion by moving beyond legacy payroll-linked offers to reach all account holders, and today payroll-deductible loans account for 22% of Bradesco's individual loan portfolio, offering millions of formal-sector workers a sustainable path into Brazil's financial ecosystem.”
“Bradesco cracked the code on something most banks struggle with: making regulatory compliance a competitive advantage,” said Nikhil Behl, president, software at FICO. “Most banks see new government mandates as compliance headaches, but Bradesco saw Brazil's eSocial framework as their ticket to reach 50 million workers who were previously off-limits. That's the mindset that separates market leaders from market followers.”
“Bradesco didn't just adapt to Brazil's new payroll lending rules, they capitalized on them,” said Courtney Haan, strategic produce manager for fraud products, Velera (Previous Winner) and one of the FICO Decision Awards judges. “Going from 8 to 700 daily contracts in Brazil's hyper-competitive market shows what happens when you build technology that thrives on complexity rather than just surviving it.”
About Bradesco
Banco Bradesco is one of Brazil’s largest and most respected financial institutions, serving over 74 million customers. The bank is at the forefront of digital banking, utilizing cutting-edge technology to enhance customer experience and financial security. Bradesco is committed to financial inclusion, innovation, and sustainable development, ensuring seamless and secure banking for individuals and businesses across Brazil.
About the FICO® Decision Awards
The FICO Decision Awards recognize organizations that are achieving remarkable success using FICO solutions. A panel of independent judges with deep industry expertise evaluates nominations based upon measurable improvement in key metrics; demonstrated use of best practices; project scale, depth and breadth; and innovative uses of technology. The 2026 judges are:
Sam Abadir, research director, risk & compliance, IDC Financial Insights Shrimanth Adla, senior director, credit risk strategy and analytics, Comcast Manoj Agrawal, group editor, Banking Frontiers Courtney Haan, strategic payments experience manager, Velera (Previous Winner) Shelly Kramer, principal analyst at Kramer & Company and theCube Research Andy Lawrie, credit risk tech lead at Nationwide Building Society (Previous Winner) Lisa Morgan, technology journalist and contributor at InformationWeek Déborah Oliveira, founder and editor-in-chief at IT Forum The winners of the FICO Decision Awards will be spotlighted at and win tickets to FICO® World 2026, May 19-22, 2026, at the Signia By Hilton hotel, Orlando, Florida.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
FICO and Plaid partnership delivers an enhanced credit score that combines the trusted FICO Score with consumer-permissioned cash flow data
BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE: FICO), global analytics software leader, today announced the general availability of the next-generation UltraFICO® Score, a credit score that combines the proven reliability of the FICO Score, used by 90% of top U.S. lenders, with real-time, consumer-permissioned cash flow data. Developed by FICO and powered by Plaid's data network, the UltraFICO® Score provides lenders with an enhanced measure of consumer credit risk, on the same industry standard score scale lenders trust, with minimal operational lift.
FICO and Plaid partnership delivers an enhanced credit score that combines the trusted FICO Score with consumer-permissioned cash flow data
Share The UltraFICO® Score builds on traditional credit data by incorporating cash flow insights drawn from consumer-permissioned bank account data across Plaid's network of more than 12,000 financial institutions, including cash inflows and outflows, account balance stability, and spending behavior. The result is a single, enhanced score that delivers superior risk assessment without requiring lenders to overhaul their existing decisioning systems.
"Lenders want more insight without complexity,” said Julie May, vice president and general manager of B2B Scores at FICO. “The UltraFICO Score advances credit scoring by delivering cash flow insights in a format lenders already understand, on the same score scale they already use, and within the workflows they already rely on. Our new score will enable more precise decisions with minimal operational rework, while recognizing consumers for financial behaviors not captured by traditional credit file data alone.”
Because the UltraFICO® Score is aligned to the industry standard FICO Score scale, lenders can use this new score within existing credit policies and risk management frameworks from day one.
“Consumer financial lives have increased in complexity, requiring innovation in credit scoring so lenders have deeper context about borrowers and their ability to repay,” said Adam Yoxtheimer, head of partnerships at Plaid. “FICO and Plaid are pairing trusted traditional credit scoring with high-quality cash flow data, enabling lenders to get up and running quickly, increase approvals responsibly, and maintain regulatory confidence.”
By incorporating consumer permissioned indicators such as balance stability, deposit consistency, and spending behavior, the UltraFICO® Score helps lenders responsibly expand access to credit while maintaining sound risk discipline. Analyses of the UltraFICO® Score compared with traditional credit data alone show:
A 7% relative increase in approvals with no incremental risk, and a 15% relative performance lift for prime applicants with limited credit histories 79% of non‑prime applicants with a history of positive account balances see higher scores “The new UltraFICO® Score is a major breakthrough for credit decisioning analytics,” said Craig Focardi, principal analyst at Celent. “By combining traditional credit bureau data with cash flow signals into a single score that fits existing FICO workflows, lenders can expand predictive lift without creating operational complexity. Enabled by open banking, this approach also broadens credit access for thin-file and non-prime consumers, creating a competitive advantage for lenders that move early.”
The UltraFICO® Score is available now. Lenders can access it regardless of how they currently receive FICO Scores, as it is distributed through Plaid Check, Plaid's consumer reporting agency. Built on secure, consent-based data sharing and designed to meet compliance requirements, the UltraFICO® Score reflects FICO's continued leadership in advancing the most predictive, reliable credit scores, and the company's longstanding commitment to expanding financial inclusion.
For more information, visit https://www.fico.com/en/products/ultrafico-score
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
About Plaid
Plaid is a data network that serves as the analytics layer for financial services. Plaid's data analytics solutions deliver faster, safer onboarding, credit decisioning, payments, and anti-fraud. Plaid works with thousands of companies, including fintechs, Fortune 500 companies, and many of the largest banks to empower people with more choice and control over how they manage their money. Headquartered in San Francisco, Plaid’s network spans over 12,000 institutions across the U.S., Canada, U.K., and Europe. To learn more, please visit plaid.com.
FICO marks a milestone anniversary as an AI trailblazer, driven by a founding conviction that analytics can elevate every decision
ORLANDO, Fla.--(BUSINESS WIRE)--FICO World 2026 — Global analytics software leader FICO (NYSE:FICO) today marked its 70th anniversary at FICO® World 2026 introducing the “Hello, Future” campaign, and celebrating seven decades of innovation and looking ahead to a new era of applied intelligence. From a small two-founder venture in San Francisco to a global applied intelligence leader, FICO embodies Bill Fair and Earl Isaac’s principle that applying advanced analytics to data can transform business decisions and transform lives.
“Seventy years ago, Bill Fair and Earl Isaac set out to change the way the world makes decisions. They succeeded and paved the way for today’s AI revolution." - Will Lansing, FICO CEO
Share More information: https://www.fico.com/en/hello-future.
FICO World 2026, taking place May 19–22 in Orlando, Florida, is itself a milestone event — it is the 50th anniversary of the company’s first client conference, which drew 100 people to Napa, California in 1976. Today, thousands of business leaders from 60+ countries gather to explore the latest breakthroughs in AI and applied intelligence at FICO World 2026.
Early FICO
In 1956, William Fair, an engineer, and Earl Isaac, a mathematician, founded Fair Isaac and Company with a straightforward but radical mission: use computers and mathematics to solve complex business problems. At a time when few companies owned a computer, Bill and Earl believed that data-driven, objective decision-making could replace guesswork and bias in lending, credit, and beyond. It was an idea decades ahead of its time — marking the beginning of what the world now calls artificial intelligence.
"We sell a radically different way of making decisions that flies in the face of tradition," Bill Fair said in the company's early years.
“The spirit of Bill and Earl—challenging conventional thinking—continues to fuel FICO’s innovation today,” said FICO CEO Will Lansing, who has been at the helm since 2012. "We enable organizations to make decisions with clarity and conviction. For decades, our analytics and approach to AI have helped businesses unlock outcomes once thought impossible.”
For 70 years, FICO has delivered innovations that have shaped industries, defined standards, and transformed lives. FICO pioneered:
Credit Risk Assessment: To give lenders a more accurate way to predict repayment, founders Bill Fair and Earl Isaac created the first commercial credit risk models in the late 1950s driving industry adoption of this new approach. Automated Decisions: As credit application volumes grew, retailers and lenders struggled with slow, manual reviews and uneven decisions. FICO launched the first application processing software in 1972, enabling faster, more consistent automated decisioning. Leader in Credit Scoring: The FICO® Score, introduced in 1989, became the first cross-bureau credit score, revolutionizing lending by creating an objective, standardized method to measure borrower risk. FICO Scores are used by 90% of the top U.S. lenders today to make critical credit decisions. A Pioneer in Fraud Management: FICO introduced its flagship fraud management system in 1992. With its advanced neural networks, FICO® Falcon® Fraud Manager was the first AI-powered payment fraud detection system and has saved lenders and consumers tens of billions of dollars. Today FICO protects more than 4 billion payment accounts worldwide. Today’s FICO
FICO® Scores Innovation: The FICO® Score is the industry standard for U.S. credit risk, used across lending, regulation, and the secondary market. FICO® Score 10T is FICO’s most advanced, predictive model, leveraging rental and utility payments data to assess credit behavior over time. Intelligence Across the Customer Lifecycle: FICO® Platform combines AI, machine learning, optimization, and business rules — including always-on consumer profiling — into a single, connected ecosystem that closes the gap between insight and action. Focused AI Models: FICO has developed focused AI models trained specifically on financial services data to provide more trustworthy answers than large language models. FICO's models are built with transparency and accountability at their core, reflecting the company's decades-long commitment to responsible AI. Hello, Future
“Hello, Future”, which was revealed at FICO World 2026, is designed to honor FICO's heritage in analytics and responsible AI while showcasing a bold vision for what's ahead. The campaign spans a wide range of assets — from videos to event experiences — and will remain active over the next year to celebrate the company's anniversary.
“’Hello, Future’ honors FICO’s roots in AI innovation and showcases how we’re now empowering organizations to create truly individualized customer experiences at unprecedented scale,” said Nikhil Behl, FICO President of Software.
FICO’s Next Chapter
As FICO enters its eighth decade, the original vision of founders Bill Fair and Earl Isaac is more relevant than ever. The company’s commitment to innovation is reflected in nearly 240 issued patents and almost 80 pending applications, as well as a growing list of industry recognitions that have named it a leader:
2026 Gartner® Magic Quadrant™ for Decision Intelligence Platforms, The Forrester Wave™: AI Decisioning Platforms, Q2 2025 IDC MarketScape: Worldwide Decision Intelligence Platforms Category 2024 “Seventy years ago, Bill Fair and Earl Isaac set out to change the way the world makes decisions,” said Lansing. “They succeeded and paved the way for today’s AI revolution. Today FICO is pushing the frontiers of responsible AI to forge a better future for businesses and people everywhere.”
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/.
For FICO news and media resources, visit https://www.fico.com/en/newsroom.
FICO and Falcon are registered trademarks of Fair Isaac Corporation in the U.S. and other countries.
Pindrop® Protect joins FICO® Marketplace, adding advanced fraud detection and contact center defense for financial institutions
ATLANTA, May 21, 2026 (GLOBE NEWSWIRE) -- Pindrop, a global leader in deepfake and fraud detection, today announced a strategic partnership with FICO, a global analytics software leader, reflecting a broader industry shift toward integrated, AI-powered, real-time fraud intelligence. With fraudsters rapidly weaponizing AI and voice technologies to exploit contact centers, the financial services industry is under mounting pressure to modernize how risk is detected and managed in real time. Pindrop® Protect will now be available on FICO® Marketplace as a feature fraud intelligence solution, enabling organizations to embed real-time interaction risk scores directly into their fraud decisioning workflows without building new point-to-point integrations.
The contact center remains one of the most exploited entry points in financial services fraud. As predicted by Deloitte’s Center for Financial Services, Gen AI could enable fraud losses to reach US$40 billion in the United States by 2027. While banks invest heavily in digital identity verification, the phone channel has historically been the weakest link. Pindrop® Protect addresses this gap by analyzing every call from the moment it connects, across IVR self-service and live agent conversations, generating a dynamic risk score that reflects voice, device, metadata, behavioral signals and consortium intelligence in real time. Protect identified 57% more fraud than all other fraud controls combined, in one documented deployment with a major national bank, resulting in an estimated $3.5M in annual fraud loss savings.
Through FICO Marketplace, available directly within FICO® Platform, financial institutions can now access this fraud risk through consolidated APIs, including Interaction Risk, ANI Validation and Account Risk, establishing Pindrop Protect as a critical fraud intelligence source within the broader FICO ecosystem. FICO Platform will combine Pindrop Protect’s interaction risk scores with data from other complimentary sources enabling richer, multi-signal fraud assessments against account applications and high-risk transactions like wires, peer-to-peer transfer and card changes.
“Financial institutions face increasing fraud risk in the contact center, where traditional signals are often limited or invisible. By bringing Pindrop Protect to FICO Marketplace, we’re enabling organizations to incorporate fraud intelligence and detection from contact centers into their broader decisioning ecosystem, helping them detect threats earlier, act with greater confidence and strengthen security across the customer lifecycle.”
— Bucky Wallace, Chief Revenue Officer, Pindrop
The Intelligence Behind the Experience
Financial institutions using Pindrop® Protect receive a secure API key that allows FICO® Platform to access Pindrop Protect insights without requiring complicated system integrations.
When a customer calls the contact center, Pindrop Protect analyzes the interaction in real time. At the same time, during higher-risk activities such as opening a new account, applying for a mortgage or requesting a wire transfer, FICO Platform can check with Pindrop Protect to determine whether the phone number or device has been associated with suspicious behavior.
Together, this shared intelligence helps financial institutions:
Detects more potential fraud earlier, before transactions are approved, reducing losses while minimizing interruptions for legitimate customers.
Identify connections between risky phone activity and compromised accounts, improving fraud detection accuracy and reducing unnecessary friction for trusted users.
Streamline customer experiences by enabling smarter call routing, stronger authentication when needed and faster case management.
Reduce false positives reported to detect up to 15% more fraud compared to single-point solutions, improving security without sacrificing convenience. “By integrating Pindrop’s fraud detection capabilities into FICO Marketplace, we’re expanding the breadth of signals available to our customers. This collaboration enhances our ability to deliver intelligent decisioning by combining diverse data sources into a unified framework that helps organizations mitigate fraud risk more effectively.”
– Jason Andrew, Chief Revenue Officer at FICO.
Proven Performance at Scale
Pindrop® Protect has demonstrated strong outcomes across large financial institutions, with an industry-leading fraud detection rate of 80% and under 0.5% false positives. Pindrop estimates that its solutions have helped customers prevent approximately $3.5B in cumulative fraud losses, based on confirmed fraud detected by Pindrop Protect since inception till Dec 2025 and industry standard average fraud loss per fraud event. The solution’s multi-signal approach, spanning voice biometrics, device intelligence, behavioral analysis and consortium data, makes it significantly harder to evade than single-factor fraud tools, including support for repeat attacker detection.
Availability and Access
Pindrop® Protect is now available on FICO® Marketplace. Financial institutions interested in leveraging Pindrop Protect through FICO® Platform should contact their FICO account representative. Optional add-ons including Pindrop Pulse® for deepfake and liveness detection and Fraud Assist for AI-driven case investigation are available to extend real-time detection into faster case resolution and continuous fraud operations improvement. To learn more about FICO Marketplace, visit: https://marketplace.fico.com/pindrop-protect
About Pindrop
Pindrop provides the Real Human + Right Human™ Platform for the AI era. As AI-driven fraud and deepfakes erode trust in digital communication, Pindrop® solutions deliver continuous identity verification and deepfake detection across voice, video, and digital interactions in real time. Enterprises rely on Pindrop to secure billions of high-risk customer interactions each year, including some of the top 10 U.S. banks, leading insurers and healthcare providers. Powered by models trained on more than 5 billion real-world interactions and protected by 300+ patents, Pindrop restores trust while reducing fraud, lowering operational costs and improving customer experience. Recognized in 2026 as Time100’s Top 10 most influential software companies. Learn more at pindrop.com
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction, and growth for businesses in financial services, insurance, telecommunications, health care, retail, and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.. Learn more at www.fico.com.
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries. Pindrop is a registered trademark of Pindrop Security, Inc.
New tools to empower mortgage professionals with smarter, faster ways to guide borrowers toward better loan options
BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE: FICO), global analytics software leader, today announced two new features for the FICO® Score Mortgage Simulator – FICO® Smart Plans and FICO® Score Potential – designed to help mortgage professionals move beyond manual scenario simulations toward more automated, algorithmically driven data planning that can deliver better loan outcomes for consumers.
FICO enhances FICO Score Mortgage Simulator with new tools to empower mortgage professionals with smarter, faster ways to guide borrowers toward better loan options
Share The FICO® Score Mortgage Simulator is the only authorized simulation tool for mortgage professionals built by FICO's analytic scientists using the trusted FICO® Score algorithm. Traditionally, the tool has enabled mortgage professionals to test individual “build-your-own” or manual scenarios by adjusting specific credit variables to understand their potential impact on a borrower's FICO® Score. The two newly launched features build on this foundation by automating and optimizing the simulated plans, with a “do-it-for-me” approach, helping lenders identify which borrowers have the greatest potential for score improvement and generate personalized credit action plans to support faster, more informed decision-making.
The latest FICO® Score Mortgage Simulator features include:
FICO® Smart Plans: Transforms the simulation experience from "do-it-yourself" to "do-it-for-me." Rather than manually running multiple individual “build-your-own” scenarios, mortgage professionals can set a target score goal, define a budget, or allow the system to run optimized actions, and FICO® Smart Plans automatically determines the recommended credit action plans for that borrower. The feature evaluates a range of potential credit actions such as adjusting balances, removing authorized user accounts, or resolving third-party medical collections, and delivers a system-generated set of recommended steps. FICO® Smart Plans offers three plan types to fit different needs: default score plans, target score plans, and target paydown plans, giving mortgage professionals a faster, smarter way to identify a clear path forward for each borrower. FICO® Score Potential: Provides loan officers with the ability to have a preview of their applicant's potential FICO® Score increase. By calculating the approximate potential score impact of various scenarios, loan officers can quickly assess whether a client has the potential to reach a higher FICO® Score threshold — before ordering the FICO® Score Mortgage Simulator and FICO® Smart Plan feature. This is a simple but powerful way for lenders to prioritize time and focus on the applicants most likely to see meaningful score movement. Together, these features improve, enhance, and optimize the mortgage qualification process from end to end: FICO® Score Potential helps lenders identify where to focus, and FICO® Smart Plans delivers the automated, personalized credit action plan based on the score and algorithm that ultimately is used by lenders.
“We designed FICO Smart Plans and FICO Score Potential with a simple goal: to give mortgage professionals better tools so borrowers benefit from more personalized guidance, more loan options, and a clearer path to achieving homeownership. Previously, lenders had to manually test scenarios to find the right path forward for a borrower. Now, they can let the FICO Score Mortgage Simulator do the heavy lifting by automatically evaluating credit scenarios and generating custom action plans, so lenders can make decisions faster and with full confidence in the accuracy that only the trusted FICO Score algorithm can provide," said Geoff Smith, vice president and general manager, Consumer Scores at FICO.
The FICO® Score Mortgage Simulator supports simulations on one, two, or three credit bureaus, and models potential changes to the classic FICO® Scores used in mortgage lending – FICO Score 2, FICO Score 4, and FICO Score 5. This allows mortgage professionals to have the widest scope of insight across the FICO Scores they use. Lenders can access the tool through FICO’s partners including Xactus, MeridianLink, Credit Interlink, SharperLending Solutions, Credco (a Cotality company) and more.
More information on the FICO Score Mortgage Simulator is available here: https://www.fico.com/en/latest-thinking/solution-sheet/fico-score-mortgage-simulator
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
Fuel crisis increases pressure on affordability as spending and payments dip, with more customers missing one, two and three payments year-on-year
LONDON--(BUSINESS WIRE)--The latest credit card data analysis by global analytics software leader FICO (NYSE: FICO) reveals clear signs of the impact of the fuel crisis prompted by the Strait of Hormuz blockade. Spending declined ahead of the Easter period, while payment rates continued to decline, reflecting the structural affordability challenges that have characterised the market since 2025. Concerningly, delinquency rates for customers missing one or two payments have increased both month-on-month and year-on-year, with one missed payment in particular echoing the significant spike seen in March 2025.
The sharp 29.5% month-on-month increase in customers missing one payment reflects a recurring pattern of March stress that was also evident in 2025.
Share Highlights
Average spending fell by 6.6% month-on-month, to £740, but experienced a marginal increase of 0.3% year-on-year The average active balance is 4.3% higher year-on-year The percentage of overall balance paid decreased 1% month-on-month and 3.7% year-on-year The percentage of customers missing one payment rose increased 29.5% month-on-month The percentage of customers missing two payments rose by 11.3% month-on-month and 14.3% year-on-year Average balances of accounts with one, two or three missed payments fell slightly month-on-month but remain higher than in March 2025 FICO Comment:
On-going pressure on personal finances, undoubtedly exacerbated by the fuel crisis pushing up the cost of petrol and diesel, is likely to have contributed to decreased spending in March compared to February, as well as the typical pre-Easter spending patterns. Continuing the modest post-Christmas balance reduction trend seen in recent months, the average active balance decreased by 0.8% month-on-month to £1,925. However, balances remain 4.3% higher year-on-year, maintaining the elevation that has defined the market since early 2025.
Decreasing by 1% month-on-month, the percentage of overall balance paid continued the expected downward seasonal trend, falling to 33%, ahead of the expected summer increase. This figure remains 3.7% lower than the previous year, though it is encouraging to see a continued narrowing of the year-on-year gap compared to the 6-7% declines seen throughout much of 2025. While payment rates remain at low levels, the easing of the year-on-year deterioration may indicate some early signs of stabilisation.
An area of concern for risk teams will, however, be the fact that March saw notable increases across early and mid-stage late payment categories. The sharp 29.5% month-on-month increase in customers missing one payment reflects a recurring pattern of March stress that was also evident in 2025. The 14.3% year-on-year increase in customers with two missed payments is especially notable and warrants careful monitoring to assess whether this represents a seasonal spike or a more sustained deterioration.
All delinquency account categories remain higher year-on-year, representing a concerning shift from the improvements seen at this time last year. The continued moderation in delinquent balance year-on-year growth rates, particularly for two and three missed payments offers some encouragement, though the overall picture remains one of persistent structural stress.
Risk teams should closely monitor the progression of March's one-missed-payment spike into two and three missed payments over the coming months. Collections strategies may need to be calibrated to address the higher balance levels now characteristic of delinquent accounts, particularly as seasonal spending begins to increase in spring and summer.
Key Trend Indicators – UK Cards March 2026
Metric
Amount
Month-on-Month Change
Year-on-Year Change
Average UK Credit Card Spend
£740
-6.6%
+0.3%
Average Card Balance
£1,925
-0.8%
+4.3%
Percentage of Payments to Balance
33.0%
-1.0%
-3.7%
Accounts with One Missed Payment
1.7%
+29.5%
+1.5%
Accounts with Two Missed Payments
0.4%
+11.3%
+14.3%
Accounts with Three Missed Payments
0.2%
-1.0%
+6.8%
Average Credit Limit
£5,950
+0.1%
+2.0%
Average Overlimit Spend
£100
+6.3%
+5.2%
Cash Sales as a % of Total Sales
0.8%
-0.1%
-3.5%
Source: FICO
These card performance figures are part of the data shared with subscribers of the FICO® Benchmark Reporting Service. The data sample comes from client reports generated by the FICO® TRIAD® Customer Manager solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
FICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries.
The latest credit card data analysis by global analytics software leader FICO (NYSE: FICO) reveals clear signs of the impact of the fuel crisis prompted by the Strait of Hormuz blockade. Spending declined ahead of the Easter period, while payment rates continued to decline, reflecting the structural affordability challenges that have characterised the market since 2025. Concerningly, delinquency rates for customers missing one or two payments have increased both month-on-month and year-on-year, with one missed payment in particular echoing the significant spike seen in March 2025.
Highlights
Average spending fell by 6.6% month-on-month, to £740, but experienced a marginal increase of 0.3% year-on-year The average active balance is 4.3% higher year-on-year The percentage of overall balance paid decreased 1% month-on-month and 3.7% year-on-year The percentage of customers missing one payment rose increased 29.5% month-on-month The percentage of customers missing two payments rose by 11.3% month-on-month and 14.3% year-on-year Average balances of accounts with one, two or three missed payments fell slightly month-on-month but remain higher than in March 2025 FICO Comment:
On-going pressure on personal finances, undoubtedly exacerbated by the fuel crisis pushing up the cost of petrol and diesel, is likely to have contributed to decreased spending in March compared to February, as well as the typical pre-Easter spending patterns. Continuing the modest post-Christmas balance reduction trend seen in recent months, the average active balance decreased by 0.8% month-on-month to £1,925. However, balances remain 4.3% higher year-on-year, maintaining the elevation that has defined the market since early 2025.
Decreasing by 1% month-on-month, the percentage of overall balance paid continued the expected downward seasonal trend, falling to 33%, ahead of the expected summer increase. This figure remains 3.7% lower than the previous year, though it is encouraging to see a continued narrowing of the year-on-year gap compared to the 6-7% declines seen throughout much of 2025. While payment rates remain at low levels, the easing of the year-on-year deterioration may indicate some early signs of stabilisation.
An area of concern for risk teams will, however, be the fact that March saw notable increases across early and mid-stage late payment categories. The sharp 29.5% month-on-month increase in customers missing one payment reflects a recurring pattern of March stress that was also evident in 2025. The 14.3% year-on-year increase in customers with two missed payments is especially notable and warrants careful monitoring to assess whether this represents a seasonal spike or a more sustained deterioration.
All delinquency account categories remain higher year-on-year, representing a concerning shift from the improvements seen at this time last year. The continued moderation in delinquent balance year-on-year growth rates, particularly for two and three missed payments offers some encouragement, though the overall picture remains one of persistent structural stress.
Risk teams should closely monitor the progression of March's one-missed-payment spike into two and three missed payments over the coming months. Collections strategies may need to be calibrated to address the higher balance levels now characteristic of delinquent accounts, particularly as seasonal spending begins to increase in spring and summer.
Key Trend Indicators – UK Cards March 2026
Metric
Amount
Month-on-Month Change
Year-on-Year Change
Average UK Credit Card Spend
£740
-6.6%
+0.3%
Average Card Balance
£1,925
-0.8%
+4.3%
Percentage of Payments to Balance
33.0%
-1.0%
-3.7%
Accounts with One Missed Payment
1.7%
+29.5%
+1.5%
Accounts with Two Missed Payments
0.4%
+11.3%
+14.3%
Accounts with Three Missed Payments
0.2%
-1.0%
+6.8%
Average Credit Limit
£5,950
+0.1%
+2.0%
Average Overlimit Spend
£100
+6.3%
+5.2%
Cash Sales as a % of Total Sales
0.8%
-0.1%
-3.5%
Source: FICO
These card performance figures are part of the data shared with subscribers of the FICO® Benchmark Reporting Service. The data sample comes from client reports generated by the FICO® TRIAD® Customer Manager solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
FICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260528546687/en/
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
This totals more than 800 top-rated stocks, and it can be overwhelming to try and pick the best stocks for you and your portfolio.
That's where the Style Scores come in.
You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
Here's an example: a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one with Style Scores of A and B, still has a downward-trending earnings outlook, and a bigger chance its share price will decrease too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Fair Isaac (FICO - Free Report) Fair Isaac Corporation, better known as FICO, offers analytical tools, software and solutions that help in making informed decisions.
FICO is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Momentum investors should take note of this Computer and Technology stock. FICO has a Momentum Style Score of B, and shares are up 22.5% over the past four weeks.
Six analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $1.70 to $43.63 per share. FICO boasts an average earnings surprise of +8.8%.
With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, FICO should be on investors' short list.
It has been about a month since the last earnings report for Fair Isaac (FICO - Free Report) . Shares have added about 22.5% in that time frame, outperforming the S&P 500.
Will the recent positive trend continue leading up to its next earnings release, or is Fair Isaac due for a pullback? Well, first let's take a quick look at its most recent earnings report in order to get a better handle on the recent drivers for Fair Isaac Corporation before we dive into how investors and analysts have reacted as of late.
Fair Isaac Q2 Earnings Beat Estimates on Scores, Revenue Up Y/YFair Isaac posted a strong second-quarter fiscal 2026, with non-GAAP earnings of $12.5 per share, beating the Zacks Consensus Estimate by 13.33% and rising 60.1% from the year-ago quarter.
Revenues were $692 million, beating the consensus mark by 10.64% and increasing 38.7% year over year.
Results reflected sharp momentum in credit-related activity, highlighted by a 127% year-over-year jump in mortgage originations revenue, alongside continued execution in the company’s decisioning software strategy.
FICO Benefits From Scores BusinessScores segment revenue rose 60% year over year to $475.0 million, underscoring the durability of FICO’s franchise in U.S. credit markets. Growth was led by the business-to-business channel, where revenue increased 72% from the prior-year period, benefiting from higher mortgage origination scores, unit pricing and higher mortgage origination volumes.
Business-to-consumer Scores revenue increased 5% year over year, supported mainly by indirect channel partners. Within originations, auto revenue grew 13%, and credit card, personal loan, and other originations increased 6% year over year compared with the year-ago quarter, indicating broader-based demand beyond mortgages. Mortgage originations revenues rose 127% year over year.
Fair Isaac Gains From Software Platform RevenueSoftware revenue increased 7% year over year to $216.7 million, supported by continued penetration of the FICO Platform. Platform revenue climbed 54% from the prior-year quarter, while non-platform revenue declined 12%, largely due to migrations.
Total software annual recurring revenue (ARR) was $789 million, up 10% year over year, with platform ARR of $349 million rising 49% and representing 44% of total ARR. Dollar-based net retention rate was 109%, including 136% for platform and 90% for non-platform, reflecting expansion in platform use cases and volumes even as legacy products face headwinds.
FICO’s Operating DetailsResearch and development expenses, as a percentage of revenues, contracted 120 basis points (bps) on a year-over-year basis to 7.8%. Selling, general, and administrative expenses, as a percentage of revenues, decreased 330 bps year over year to 20.8%.
Non-GAAP operating margin expanded to 65% from 58% in the year-ago period, as revenue growth outpaced incremental spending.
Adjusted EBITDA increased 55.8% year over year to $448.5 million in the reported quarter. The adjusted EBITDA margin in the fiscal second quarter of 2026 was 64.8% compared with 57.7% in the fiscal second quarter of 2025.
Fair Isaac’s Balance Sheet and Cash FlowAs of March 31, 2026, FICO had $219.4 million in cash and cash equivalents compared with $162 million as of Dec. 31, 2025. Total debt was $3.64 billion.
Cash flow from operations was $223 million in the fiscal second quarter compared with $174 million in the prior quarter. Free cash flow was $214.3 million in the reported quarter compared with $165.3 million reported in the prior quarter.
FICO continued to prioritize capital returns. The company repurchased 484,000 shares for $605 million at an average price of $1,251 per share, cited as its largest quarterly repurchase in dollar terms.
FICO Raises Full-Year 2026 Outlook After Strong First HalfReflecting the first-half performance, management raised full-year fiscal 2026 guidance. Revenue is now expected to be $2.45 billion, up from the prior view of $2.35 billion.
On a non-GAAP basis, earnings are projected to be $40.45 per share.
How Have Estimates Been Moving Since Then?In the past month, investors have witnessed a flat trend in fresh estimates.
VGM ScoresCurrently, Fair Isaac has a great Growth Score of A, though it is lagging a bit on the Momentum Score front with a B. However, the stock was allocated a score of D on the value side, putting it in the bottom 40% for this investment strategy.
Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in.
Outlook Fair Isaac has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months.
Performance of an Industry PlayerFair Isaac belongs to the Zacks Computers - IT Services industry. Another stock from the same industry, Infosys (INFY - Free Report) , has gained 0.4% over the past month. More than a month has passed since the company reported results for the quarter ended March 2026.
Infosys reported revenues of $5.04 billion in the last reported quarter, representing a year-over-year change of +6.6%. EPS of $0.23 for the same period compares with $0.20 a year ago.
For the current quarter, Infosys is expected to post earnings of $0.21 per share, indicating a change of +10.5% from the year-ago quarter. The Zacks Consensus Estimate has changed +2.1% over the last 30 days.
Infosys has a Zacks Rank #3 (Hold) based on the overall direction and magnitude of estimate revisions. Additionally, the stock has a VGM Score of A.
Global analytics software leader FICO (NYSE: FICO) is deepening its commitment to First Tee, a national youth development organization that harnesses the game of golf to instill life skills, build character, and develop confidence. FICO’s investment will support First Tee programs nationally and expand access to credit education for First Tee chapters, participants and alumni across the network, furthering both organizations’ commitment to building confidence and life skills for young people.
The partnership reflects FICO’s commitment to First Tee’s proven approach to youth development — using golf as a vehicle to teach young people skills and values that carry beyond the course. As part of the partnership, FICO will host hands-on credit education events for First Tee participants at chapter locations, including activations timed to coincide with tournaments in their respective markets. First Tee – Miami and First Tee – Metro Atlanta are among the first chapters to benefit from these on-site programs.
The partnership recently came to life at the inaugural Cadillac Championship in Miami where nearly 100 First Tee participants joined professional golfer Keegan Bradley for a putting challenge, live golf demonstration, and Q&A — complemented by a FICO-led credit education workshop that brought together lessons in discipline, resilience, and financial confidence both on and off the course.
"We are grateful for FICO's support of the youth in our community through this partnership," said Charles De Lucca, President of First Tee Miami. "The kids had a great opportunity to meet and hear from Keegan Bradley, and to take part in FICO’s workshop, learning how strong credit can help set them up for success in life."
As a supporter of First Tee, FICO is making its suite of credit education tools and resources available to First Tee chapters and alumni nationwide. Those resources include the Score a Better Future® (SABF) Fundamentals program — a free, comprehensive credit literacy initiative designed to equip young people with the knowledge they need to enter adulthood confident and financially informed — as well as Banzai, a free credit education platform available in more than 70% of U.S. schools.
A FICO consumer survey conducted by The Harris Poll found that 79% of Americans believe high schools should offer financial education, and 28% of Gen Z adults do not consider themselves financially literate. For First Tee participants, understanding personal finance and credit can be as transformative as the leadership and character skills they build on the golf course.
“The FICO® Score influences some of the most important moments in a person’s life, from renting a first apartment to paying for college to financing a car. Yet most young people enter adulthood with little understanding of how credit scores work — or how their FICO® Score can shape these major financial decisions,” said Nikhil Behl, President of Software at FICO. “Partnering with First Tee is a natural extension of our commitment to change that, meeting young people in a setting where they are already motivated and engaged.”
The Impact Partnership builds on First Tee and FICO’s early collaboration, which included chapter-level events in Canada and North Carolina and reflects a shared commitment to meeting young people where they are — in their communities and on the golf course.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260603423177/en/
New partnership brings credit education resources to First Tee chapters, participants, and alumni
BOZEMAN, Mont.--(BUSINESS WIRE)--Global analytics software leader FICO (NYSE: FICO) is deepening its commitment to First Tee, a national youth development organization that harnesses the game of golf to instill life skills, build character, and develop confidence. FICO’s investment will support First Tee programs nationally and expand access to credit education for First Tee chapters, participants and alumni across the network, furthering both organizations’ commitment to building confidence and life skills for young people.
FICO is deepening its commitment to First Tee, a national youth development organization that harnesses the game of golf to instill life skills, build character, and develop confidence.
Share The partnership reflects FICO’s commitment to First Tee’s proven approach to youth development — using golf as a vehicle to teach young people skills and values that carry beyond the course. As part of the partnership, FICO will host hands-on credit education events for First Tee participants at chapter locations, including activations timed to coincide with tournaments in their respective markets. First Tee – Miami and First Tee – Metro Atlanta are among the first chapters to benefit from these on-site programs.
The partnership recently came to life at the inaugural Cadillac Championship in Miami where nearly 100 First Tee participants joined professional golfer Keegan Bradley for a putting challenge, live golf demonstration, and Q&A — complemented by a FICO-led credit education workshop that brought together lessons in discipline, resilience, and financial confidence both on and off the course.
"We are grateful for FICO's support of the youth in our community through this partnership," said Charles De Lucca, President of First Tee Miami. "The kids had a great opportunity to meet and hear from Keegan Bradley, and to take part in FICO’s workshop, learning how strong credit can help set them up for success in life."
As a supporter of First Tee, FICO is making its suite of credit education tools and resources available to First Tee chapters and alumni nationwide. Those resources include the Score a Better Future® (SABF) Fundamentals program — a free, comprehensive credit literacy initiative designed to equip young people with the knowledge they need to enter adulthood confident and financially informed — as well as Banzai, a free credit education platform available in more than 70% of U.S. schools.
A FICO consumer survey conducted by The Harris Poll found that 79% of Americans believe high schools should offer financial education, and 28% of Gen Z adults do not consider themselves financially literate. For First Tee participants, understanding personal finance and credit can be as transformative as the leadership and character skills they build on the golf course.
“The FICO® Score influences some of the most important moments in a person’s life, from renting a first apartment to paying for college to financing a car. Yet most young people enter adulthood with little understanding of how credit scores work — or how their FICO® Score can shape these major financial decisions,” said Nikhil Behl, President of Software at FICO. “Partnering with First Tee is a natural extension of our commitment to change that, meeting young people in a setting where they are already motivated and engaged.”
The Impact Partnership builds on First Tee and FICO’s early collaboration, which included chapter-level events in Canada and North Carolina and reflects a shared commitment to meeting young people where they are — in their communities and on the golf course.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
Optimal Blue's integration enables lenders to decision, price and operationalize FICO Score 10T across the mortgage lifecycle
BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE: FICO), global analytics software leader, today announced that Optimal Blue, the mortgage industry’s end-to-end capital markets platform, has integrated FICO® Score 10T into its platform. This move marks a significant milestone in the broader operationalization of the industry's most predictive credit scoring model across the mortgage ecosystem.
FICO Score 10T is now integrated into Optimal Blue's capital markets platform, enabling lenders to price, decision and operationalize FICO Score 10T across the mortgage lifecycle.
Share This implementation represents a meaningful expansion of the infrastructure needed to support broader adoption of FICO® Score 10T across the mortgage lifecycle—from origination through capital markets and servicing. Optimal Blue supports approximately 60% of the top 50 U.S. mortgage lenders, including independent mortgage banks, credit unions, depository banks, brokers, investors, and servicers. With the integration into Optimal Blue’s product, pricing and eligibility (PPE) engine, MSR valuation, hedging and trading capabilities, lenders can price and decision non-agency loans using FICO Score 10T directly within the Optimal Blue technology.
"The question for mortgage lenders is no longer whether to adopt FICO Score 10T, but how quickly they can put it to work,” said Julie May, vice president and general manager of B2B Scores at FICO. “Optimal Blue's implementation is a defining answer to that question—embedding the industry's most predictive credit score directly into pricing, hedging, and secondary market valuation at a scale that moves the entire ecosystem forward.”
As resellers expand access to FICO® Score 10T—and Optimal Blue’s modern, proven technology enables pricing and decisioning at scale—the mortgage technology ecosystem is rapidly aligning around adoption. FICO Score 10T's availability within the Optimal Blue platform also extends to the secondary market, where investors and servicers can leverage FICO Score 10T to assess and value loan portfolios with greater precision.
FICO® Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Program, enabling side-by-side testing without requiring lenders to pay for an additional score.
For more information on how to sign up for the FICO Score 10T Free Access Program, visit the FICO Score 10T Migration Resource Center.
About Optimal Blue
Optimal Blue powers strategic performance across the mortgage capital markets ecosystem. As the industry’s only end-to-end capital markets platform, our technology, data and integrations bridge the primary and secondary markets to help lenders of all sizes optimize performance – from pricing accuracy to margin protection and every step in between. Backed by over 20 years of proven expertise, our modern, cloud-native technology delivers the real-time automation, actionable data and seamless connectivity lenders need to navigate market volatility and scale for growth. To learn more about how Optimal Blue helps deliver measurable ROI, visit OptimalBlue.com.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
MSB partners with FICO and Blitz to transform lending operations, accelerating decisions and reducing risk across its eight-million-strong customer base
HANOI, Vietnam--(BUSINESS WIRE)--FICO (NYSE: FICO) - Vietnam Maritime Bank (MSB), one of Vietnam's most established financial institutions, has achieved a 200% improvement in loan approval speed using FICO's proven and powerful decisioning capabilities, implemented in partnership with regional technology specialist Blitz in just 10 months. By reducing loan turnaround time from 30 to 15 minutes, the solution is already reshaping how MSB serves its more than eight million retail customers and nearly 100,000 business clients.
“The bank can now approve loans with a level of speed and accuracy that was previously unattainable,” said Mr. Nguyen Quang Man, Deputy Chief Risk Officer of MSB and Steering Committee member for the Decision Engine Implementation Project.
Share The intelligent decisioning system combines AI and machine learning models with rule-based decisioning to automate and standardize credit approval processes, dramatically reducing manual error rates and enabling MSB to bring new digitized lending products to market faster across a range of customer segments.
“The bank can now approve loans with a level of speed and accuracy that was previously unattainable,” said Mr. Nguyen Quang Man, Deputy Chief Risk Officer of MSB and Steering Committee member for the Decision Engine Implementation Project. “The ability to adapt quickly as market conditions evolve gives MSB a real competitive edge. We are excited to explore how we can extend our partnership with FICO and Blitz into customer management and debt collection as the next phase of the transformation.”
For a bank operating 260 branches, nearly 400 international correspondent banking relationships, and a workforce of over 7,000 people, the ability to make faster, more consistent credit decisions at scale is a significant operational shift. FICO’s advanced decisioning capabilities standardize policy rules across the institution, ensuring that every loan assessment reflects the same logic and risk appetite, regardless of channel or product type.
"MSB set out to solve a real business problem: how do you grow your lending book and serve customers faster without compromising on risk?” said Timothy Choon, Senior Director, ASEAN North at FICO. “The outstanding results demonstrate the power of advanced analytics and decision management technology in revolutionizing banking operations. MSB's success story serves as an inspiring example for financial institutions across Asia looking to enhance their competitive advantage through intelligent automation.”
“Bringing together FICO's intelligent decisioning technologies with local support is where Blitz adds real value,” said Mr. Chia Han Meng, CEO of Blitz. “MSB's results prove that when implementation expertise is matched with the right solution, the outcomes for customers, and for the business, are transformative. MSB now has a decisioning infrastructure that can scale with its ambitions.”
About MSB
Established in 1991, MSB has consistently reached significant milestones within the banking and financial sector. Currently, MSB operates a nationwide network of 260 branches and transaction offices, complemented by a global reach through nearly 400 correspondent banks across 45 countries and territories. With a dedicated team of over 7,000 employees, MSB currently supports a robust customer base of over 8 million individuals and businesses.
About the Technology
FICO’s intelligent decisioning solution enables organizations to automate and govern complex decision-making at scale, combining the power of AI and machine learning models with rules-based business logic. The solution gives financial institutions the speed, flexibility, and control to rapidly adapt their decisioning logic to changing market and regulatory conditions, without heavy IT dependency.
About Blitz
Blitz is a leading technology solutions provider specializing in risk, compliance and digital transformation for financial institutions across Southeast Asia. The company delivers innovative solutions that help banks and financial services organizations enhance their operational efficiency and customer experience through advanced technology implementations.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
BOZEMAN, Mont.--(BUSINESS WIRE)--FICO (NYSE:FICO), a global analytics software leader, today announced that its Board of Directors has approved a stock repurchase program to acquire up to $2.0 billion of the company’s outstanding common stock. This new program replaces the remaining availability under FICO’s previous $1.5 billion stock repurchase program. The new stock repurchase program, which is open-ended, allows the company to repurchase its shares from time to time in the open market and in negotiated transactions, including accelerated share repurchase programs like the one described below.
Also on June 5, 2026, FICO entered into an amendment to its credit agreement to, among other things, provide for an incremental term loan in the amount of $1.5 billion, the full amount of which was drawn on June 5, 2026. FICO intends to use the proceeds of the term loan to fund an accelerated share repurchase (ASR) program pursuant to an agreement it has entered into with Wells Fargo Securities, Inc. (“Wells Fargo”).
Pursuant to the ASR agreement, on June 8, 2026, FICO will make an upfront payment of $1.5 billion to Wells Fargo and FICO expects to receive an initial delivery of approximately 1,055,100 shares of common stock, providing the company with prompt share count reduction. The final number of shares to be repurchased will be based on the volume-weighted average price of the company’s common stock during the term of the ASR agreement, less a discount and subject to customary adjustments. At final settlement, the company may receive additional shares or, under certain circumstances, may be required to deliver shares or make a cash payment pursuant to the terms of the ASR agreement.
The transactions under the ASR agreement are expected to be completed by the end of FICO’s current fiscal year, September 30, 2026.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com/en
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO, its business and the ASR are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the impact of macroeconomic conditions on FICO’s business, operations and personnel, the success of the Company’s business strategies, the maintenance of its existing relationships and ability to create new relationships with customers, distributors and other business partners, its ability to continue to develop new and enhanced products and services and to enter new markets, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use or costs of consumer credit and other data, the failure to protect such data, the failure to realize the anticipated benefits of any acquisitions, or divestitures, and material adverse developments or uncertainty in global economic conditions or in the markets or industries that the Company serves. Additional information on these risks and uncertainties and other factors that could affect FICO’s future results are described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2025 and its subsequent filings with the SEC. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. Investors are cautioned not to place undue reliance on any such forward-looking statements, which speak only as of the date they are made. FICO disclaims any intent or obligation to update these forward-looking statements, whether as a result of new information, future events or otherwise.
FICO Announces New Stock Repurchase Authorization, New Term Loan and Accelerated Share Repurchase Program FICO NYSE:FICO , a global analytics software leader, today announced that its Board of Directors has approved a stock repurchase program to acquire up to $2.0 billion of the company’s outstanding common stock. This new program replaces the remaining availability under FICO’s previous $1.5 billion stock repurchase program. The new stock repurchase program, which is open-ended, allows the company to repurchase its shares from time to time in the open market and in negotiated transactions, including accelerated share repurchase programs like the one described below.
Also on June 5, 2026, FICO entered into an amendment to its credit agreement to, among other things, provide for an incremental term loan in the amount of $1.5 billion, the full amount of which was drawn on June 5, 2026. FICO intends to use the proceeds of the term loan to fund an accelerated share repurchase (ASR) program pursuant to an agreement it has entered into with Wells Fargo Securities, Inc. (“Wells Fargo”).
Pursuant to the ASR agreement, on June 8, 2026, FICO will make an upfront payment of $1.5 billion to Wells Fargo and FICO expects to receive an initial delivery of approximately 1,055,100 shares of common stock, providing the company with prompt share count reduction. The final number of shares to be repurchased will be based on the volume-weighted average price of the company’s common stock during the term of the ASR agreement, less a discount and subject to customary adjustments. At final settlement, the company may receive additional shares or, under certain circumstances, may be required to deliver shares or make a cash payment pursuant to the terms of the ASR agreement.
The transactions under the ASR agreement are expected to be completed by the end of FICO’s current fiscal year, September 30, 2026.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com/en
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO, its business and the ASR are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the impact of macroeconomic conditions on FICO’s business, operations and personnel, the success of the Company’s business strategies, the maintenance of its existing relationships and ability to create new relationships with customers, distributors and other business partners, its ability to continue to develop new and enhanced products and services and to enter new markets, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use or costs of consumer credit and other data, the failure to protect such data, the failure to realize the anticipated benefits of any acquisitions, or divestitures, and material adverse developments or uncertainty in global economic conditions or in the markets or industries that the Company serves. Additional information on these risks and uncertainties and other factors that could affect FICO’s future results are described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2025 and its subsequent filings with the SEC. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. Investors are cautioned not to place undue reliance on any such forward-looking statements, which speak only as of the date they are made. FICO disclaims any intent or obligation to update these forward-looking statements, whether as a result of new information, future events or otherwise.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260608352343/en/
Leading U.S. mortgage lender to leverage the industry's most predictive score to expand risk management and give customers responsible access to credit
BOZEMAN, Mont.--(BUSINESS WIRE)--Global analytics software leader FICO (NYSE: FICO), today announced that Rate, one of the largest mortgage lenders and leading fintech companies in the United States, has adopted FICO® Score 10T, the industry’s most predictive credit scoring model, as part of its credit evaluation process.
Rate adopts FICO® Score 10T, the industry's most predictive score, to enhance mortgage credit decisioning and expand responsible access to credit.
Share As one of the top U.S. mortgage lenders by origination volume, Rate originates across a wide range of products — conventional, FHA, VA, jumbo, non-QM, and HELOCs — making the company uniquely positioned to put FICO® Score 10T to work at scale. Its addition to the FICO Score 10T Free Access Program brings total participating lender volume to $538.72 billion in originations and a $1.668 trillion servicing portfolio.
“The mortgage industry needs better ways to understand a customer’s full credit picture,” said Victor Ciardelli, CEO of Rate. “FICO Score 10T gives lenders more insight, which helps us make smarter decisions and create more opportunities for qualified borrowers. At Rate, we’re always going to look at technology that helps more people move forward with confidence.”
FICO® Score 10T uses trended credit bureau and rental history data to give lenders a more predictive view of borrower risk. It could enable up to 5% more loan approvals without added risk or up to 17% reduction in delinquencies.
“Rate’s adoption of FICO Score 10T reflects how lenders are setting a higher bar for mortgage credit decisioning,” said Julie May, vice president and general manager of B2B Scores at FICO. “FICO Score 10T delivers a more predictive view of borrower risk by harnessing trended data to analyze credit behavior over time. As the mortgage industry continues to focus on modernization, we applaud lenders such as Rate for leading the way by leaning on FICO’s most predictive credit score while also equipping their customers.”
To ensure lenders can evaluate the findings for themselves, FICO® Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Program, enabling side-by-side testing without requiring lenders to pay for an additional score. More than 60 lenders have signed up so far.
For more information on how to sign up for the FICO Score 10T Free Access Program, visit the FICO Score 10T Migration Resource Center.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com/en
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
About Rate
Rate Companies is a leader in mortgage lending and digital financial services. Headquartered in Chicago, Rate has over 850 branches across all 50 states and Washington D.C. Since its launch in 2000, Rate has helped more than 2 million homeowners with home purchase loans and refinances. The company has cemented itself as an industry leader by introducing innovative technology, offering low rates, and delivering unparalleled customer service. Honors and awards include: Top 5 Mortgage Lender by Inside Mortgage Finance for 2024; Best Mortgage Lender for First-Time Homebuyers by NerdWallet for 2023; HousingWire's Tech100 award for the company's industry-leading FlashClose℠ digital mortgage platform in 2020, MyAccount in 2022, and Language Access Program in 2023; the most Scotsman Guide Top Originators for 11 consecutive years; Chicago Agent Magazine's Lender of the Year for seven consecutive years; and Chicago Tribune's Top Workplaces list for seven straight years. Visit rate.com for more information.
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank, which is a proprietary stock-rating model, employs earnings estimate revisions, or changes to a company's earnings expectations, to make building a winning portfolio easier.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Fair Isaac (FICO - Free Report) Fair Isaac Corporation, better known as FICO, offers analytical tools, software and solutions that help in making informed decisions.
FICO is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Additionally, the company could be a top pick for growth investors. FICO has a Growth Style Score of A, forecasting year-over-year earnings growth of 46% for the current fiscal year.
Six analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $1.47 to $43.63 per share. FICO boasts an average earnings surprise of +8.8%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, FICO should be on investors' short list.
