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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/

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.

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.

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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.

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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.

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/

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.

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.

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.

May 21, 2026 Wednesday's MarketsS&P 500
7,433 (+1.08%)Nasdaq
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$77,604 (+1.11%)

Source: Image created by Jester AI.

1. NVDA Struggles to Rally Despite AI Beat Nvidia (NVDA 0.01%) was little changed in pre-market trading after CEO Jensen Huang said the company has "largely conceded" the Chinese market to Huawei, despite strong accompanying quarterly results.

"Nvidia is the only platform that runs every frontier AI model": Huang struck a positive tone with respect to the coverage of products going forward, with the Vera CPU being a "major growth driver" that could unlock a $200 billion revenue opportunity. "They just reported another quarter that will likely never be matched by any other company": Fool analyst Seth Jayson said "it's hard to imagine what Nvidia needs to do to impress the market, at least after hours," but after digesting the results he concludes Nvidia is "the most consequential AI company on the planet." 2. What You Might've Missed on Wednesday e.l.f Beauty (ELF +1.19%) rose over 10% ahead of the market open thanks to results beating revenue and earning expectations. International sales surged 75% year over year, aiding a 29th consecutive quarter of net sales growth. The stock is recommended by both Team Rule Breakers and Team Hidden Gems. EnerSys (ENS +2.11%) rose around 6% in pre-market trading as strong revenue guidance accompanied robust results. Accelerating demand from data centers needing backup power is helping the Team Hidden Gems rec. Intuit (INTU 1.23%) fell over 13% before the opening bell due to the earnings report detailing slower revenue growth and a 17% workforce reduction to simplify the Stock Advisor rec by Team Rule Breakers. 3. Bloom and Nebius Agree AI Power Deal Bloom Energy (BE +4.18%) closed over 8% higher yesterday as the company announced a deal with Nebius Group (NBIS +7.66%) to provide fuel cell technology to help power Nebius's AI infrastructure build-out, with some capacity expected to be operational this year.

"Power remains a key constraint for AI infrastructure build-outs": Nebius CEO Andrey Korolenko explained why the deal is so important, with the added benefit of using clean energy from Bloom ensuring "virtually no pollutants" are deployed onsite. Contract worth up to $2.6 billion in service fees for Bloom: The move from Nebius reflects the broader sector move to invest heavily in alternative energy sources to help power AI data centers. 4. Thursday Earnings From Team Hidden Gems' Recs Deere & Co (DE +1.36%) nudged up about 1% ahead of the opening bell as results easily beat expectations, helping to offset the broader cyclical downturn with demand from construction equipment. The stock is outperforming the S&P 500 by 12% since the May 2024 Hidden Gems rec. Deckers (DECK 0.14%) reports following the closing bell. Momentum with HOKA, along with brand demand for UGG, will be monitored after the flagship brands helped support previous quarter results. Zoom (ZM +1.20%) will release earnings after the market closes. Enterprise revenue growth helped to do the heavy lifting last quarter, with a focus on this area again, along with monetization of recent AI upgrades. Team Rule Breakers has also previously recommended Zoom in Stock Advisor. 5. Your Take Recommended in Motley Fool services by Team Rule Breakers, Bloom Energy has skyrocketed over 200% year to date. Another Fool favorite, with traits that has led to it being recommended by both Team RB and Team HG, Rocket Lab (RKLB 8.16%) is up close to 100% in 2026 so far.

How do you balance conviction in the business against the fear of buying at the top? What helps you make the call?

Debate with friends and family, or become a member to hear what your fellow Fools are saying!

This image and article was created using Large Language Models (LLMs) based on The Motley Fool's insights and investing approach. It has been reviewed by our AI quality control systems. Since LLMs cannot (currently) own stocks, it has no positions in any of the stocks mentioned. The Motley Fool has positions in and recommends Bloom Energy, Deckers Outdoor, Deere & Company , EnerSys, Intuit, Nvidia, Rocket Lab, Zoom Communications, and e.l.f. Beauty. The Motley Fool has a disclosure policy.

READING, Pa.--(BUSINESS WIRE)-- #EnerSys--The third bullet of First Quarter and Fiscal Year 2027 Outlook of release dated May 20, 2026 should read: Adjusted diluted EPS: $2.80 to $2.90 (instead of Adjusted diluted EPS: $2.70 to $2.90). The updated release reads: EnerSys Reports Fourth Quarter and Full Year Fiscal 2026 Results Delivers Record Full Year Net Sales, up 4% Fourth Quarter Fiscal 2026 Highlights (All comparisons against the fourth quarter of fiscal 2025 unless otherwise noted) Delivered net sale.

3 Battery Stocks to Buy and Hold for the Rest of the DecadeEnersys NYSE: ENS reported record fourth-quarter adjusted earnings per share and record full-year sales for fiscal 2026, with management pointing to pricing, operating expense discipline, tax credit benefits and share repurchases as key contributors despite softer demand in some industrial markets.

President and Chief Executive Officer Shawn O'Connell said the company delivered its “highest quarterly adjusted EPS, with and without 45X,” on its second-highest quarterly revenue and strong free cash flow. For the full year, he said EnerSys achieved record sales, adjusted gross profit, adjusted operating earnings and adjusted diluted earnings per share before the benefit of 45X tax credits.

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O'Connell said the results were notable because they came during a year in which demand in electric forklifts and transportation was down. He credited the company’s strategic framework, diversified business model and improved execution for the performance.

Fourth-quarter sales rise as price mix offsets lower volumes EnerSys reported fourth-quarter net sales of $988 million, up 1% from the prior year. Executive Vice President and Chief Financial Officer Andi Funk said the increase was driven by a 4% benefit from price mix and a 3% benefit from foreign currency translation, partially offset by a 6% decline in organic volumes. She noted that the prior-year quarter benefited from some customers pulling volume forward ahead of announced tariffs.

Adjusted gross profit was $292 million, down $12 million, or 4%, from a strong prior-year period. Funk said higher freight, tariffs and inflationary costs weighed on results, with those costs up $20 million year over year after the company produced more products “in region for region.” Adjusted gross margin was 29.5%, down 170 basis points including 45X benefits and down 190 basis points excluding 45X.

Operating expense improved by $14 million year over year, reflecting cost reduction initiatives. Adjusted operating earnings were $154 million, up 1% from the prior year, with an adjusted operating margin of 15.6%. Excluding 45X benefits, adjusted operating earnings were roughly flat, with a 10.9% adjusted operating margin.

Adjusted diluted EPS was a record $3.19, up 7% from the prior year. Excluding 45X benefits, adjusted EPS was also a record at $1.96, up 5%.

For fiscal 2026, net sales reached $3.8 billion, an all-time high and up 4% year over year. Adjusted operating earnings were $540 million, including $159 million from IRC 45X tax credits. Excluding those benefits, adjusted operating profit was a record $382 million, with a full-year adjusted operating margin of 10.2%. Adjusted diluted EPS was $10.56, while adjusted diluted EPS excluding 45X was $6.41.

Segment performance mixed, with strength in energy systems and specialty In the Energy Systems segment, fourth-quarter revenue rose 7% year over year to $426 million. Funk said the increase reflected strong price mix, positive foreign exchange impact and volume growth in power electronics. Adjusted operating earnings increased 23% to $42 million, and adjusted operating margin expanded 130 basis points to 10%. She cited record sales of the company’s flagship XM products, though she said those levels may not continue at the same elevated pace.

Motive Power revenue fell 6% to $370 million, reflecting lower volumes from continued market softness, partly offset by foreign exchange tailwinds and favorable price mix. Adjusted operating earnings declined 21% to $53 million, and adjusted operating margin fell 280 basis points to 14.2%. Funk said higher freight and tariff costs and lost leverage from lower volumes offset OpEx savings and price mix improvements. Maintenance-free products represented 30.4% of Motive Power revenue, up from 29.3% a year earlier.

Specialty revenue increased 8% to $192 million, driven by favorable price mix, particularly in aerospace and defense, early contributions from the Rebel acquisition and foreign exchange tailwinds, partly offset by lower transportation volumes. Adjusted operating earnings rose 20% to $18 million, and adjusted operating margin increased 90 basis points to 9.4%. Funk said transportation sales were down high single digits, but orders were up more than 30% year over year, suggesting “an early but bumpy start” to a demand recovery.

Cash flow, buybacks and balance sheet remain priorities EnerSys generated operating cash flow of $144 million in the fourth quarter. After $13 million of capital expenditures, free cash flow was $131 million, up $26 million from the prior-year quarter. For the full year, free cash flow was $468 million.

As of March 31, 2026, EnerSys had $440 million in cash and cash equivalents. Net debt was $684 million, down about $100 million from the end of fiscal 2025, and leverage was 1.1 times EBITDA, below the company’s target range of two to three times.

Funk said capital expenditures totaled $80 million in fiscal 2026, and the company expects about $70 million in fiscal 2027 as heavier investments in TPPL capacity flexibility are completed. During the fourth quarter, EnerSys repurchased 410,000 shares for $69 million at an average price of about $171 per share and paid $9.6 million in dividends. The company had about $876 million remaining under its buyback authorization as of May 20.

Strategic actions include plant closures and lithium initiatives O'Connell said EnerSys is seeing benefits from its strategic framework, including efforts to optimize its manufacturing footprint. The company announced the closure of its Tijuana, Mexico facility and plans to shift production to Springfield, Missouri, which it expects will generate about $20 million of incremental 45X benefits beginning in fiscal 2028.

EnerSys also substantially completed the previously announced closure of its Monterrey, Mexico plant, which management expects to yield about $19 million of savings in fiscal 2027. O'Connell said the projects are intended to optimize manufacturing, maximize 45X benefits, support higher-margin solutions and reduce future tariff risks.

The company also advanced two product priorities into customer commissioning during the quarter: a lithium data center solution and battery energy storage solutions for warehouse operators. In response to an analyst question, O'Connell said the company has shipped finished products to customers, though he said meaningful revenue lift is not expected until fiscal 2028 as OEM handoffs and customer validation processes continue.

O'Connell said EnerSys has re-scoped its planned lithium cell factory in Greenville, South Carolina, with a greater focus on customers that value secure, domestic and FEOC-compliant supply chains, particularly in aerospace and defense. He said the company is in the final stages of the Department of Energy grant process and expects a more focused manufacturing footprint, though he did not disclose additional details while the award process remains incomplete.

Management offers cautious optimism for fiscal 2027 Management described end-market conditions as encouraging but dynamic. O'Connell said EnerSys is seeing strong momentum in data centers, communications and defense applications, while forklift and transportation markets remain softer but are improving. Fourth-quarter book-to-bill was 1.1, the company’s highest in nearly four years, with orders outpacing revenue across all lines of business.

In communications, O'Connell cited strong orders and record shipments for broadband power supplies, driven by DOCSIS 4.0 buildouts. In data centers, he said demand remains healthy as customers invest in AI infrastructure and expansion, with the company’s TPPL technology suited to high-rate, short-duration discharge needs.

EnerSys expects first-quarter fiscal 2027 net sales of $915 million to $955 million. Adjusted diluted EPS is expected to be $2.80 to $2.90, including $42 million to $47 million of 45X benefits to cost of sales. Excluding 45X, adjusted diluted EPS is expected to be $1.61 to $1.71.

For the full year, Funk said the company continues to expect adjusted operating earnings growth, excluding 45X benefits, to outpace revenue growth, supported by operating expense discipline, price mix strength and stable or improving markets across its businesses.

About Enersys NYSE: ENSEnersys, headquartered in Reading, Pennsylvania, is a global leader in stored energy solutions, specializing in manufacturing and distributing industrial batteries, battery chargers, power equipment, and related accessories. The company serves a diverse range of end markets, including telecommunications, data centers, medical, aerospace, defense, electric vehicle motive power, and utility outcomes. Its products are engineered to deliver critical reserve power and motive power applications across key infrastructure and industrial sectors.

The company's product portfolio encompasses lead-acid batteries, lithium-ion energy storage systems, chargers, inverters, power management software, and a broad array of battery accessories.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].

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EnerSys (ENS) Q4 2026 Earnings Call Transcript

Have you been paying attention to shares of EnerSys (ENS - Free Report) ? Shares have been on the move with the stock up 15% over the past month. The stock hit a new 52-week high of $244.3 in the previous session. EnerSys has gained 62.8% since the start of the year compared to the 11.4% move for the Zacks Industrial Products sector and the 15% return for the Zacks Manufacturing - Electronics industry.

What's Driving the Outperformance?The stock has a great record of positive earnings surprises, as it hasn't missed our earnings consensus estimate in any of the last four quarters. In its last earnings report on May 20, 2026, EnerSys reported EPS of $3.19 versus consensus estimate of $3.

For the current fiscal year, EnerSys is expected to post earnings of $12.01 per share on $3.86 in revenues. This represents a 13.73% change in EPS on a 3% change in revenues. For the next fiscal year, the company is expected to earn $14.84 per share on $4.05 in revenues. This represents a year-over-year change of 23.61% and 4.86%, respectively.

Valuation MetricsWhile EnerSys has moved to its 52-week high in the recent past, investors need to be asking, what is next for the company? A key aspect of this question is taking a look at valuation metrics in order to determine if the company is due for a pullback from this level.

On this front, we can look at the Zacks Style Scores, as these give investors a variety of ways to comb through stocks (beyond looking at the Zacks Rank of a security). The individual style scores for Value, Growth, Momentum and the combined VGM Score run from A through F. The idea behind the style scores is to help investors pick the most appropriate Zacks Rank stocks based on their individual investment style.

EnerSys has a Value Score of C. The stock's Growth and Momentum Scores are B and D, respectively, giving the company a VGM Score of B.

In terms of its value breakdown, the stock currently trades at 19.9X current fiscal year EPS estimates, which is not in-line with the peer industry average of 23.2X. On a trailing cash flow basis, the stock currently trades at 17X versus its peer group's average of 24.5X. Additionally, the stock has a PEG ratio of 1.33. This isn't enough to put the company in the top echelon of all stocks we cover from a value perspective.

Zacks RankWe also need to look at the Zacks Rank for the stock, as this is even more important than the company's VGM Score. Fortunately, EnerSys currently has a Zacks Rank of #2 (Buy) thanks to rising earnings estimates.

Since we recommend that investors select stocks carrying Zacks Rank of 1 (Strong Buy) or 2 (Buy) and Style Scores of A or B, it looks as if EnerSys meets the list of requirements. Thus, it seems as though EnerSys shares could have a bit more room to run in the near term.

On May 26, 2026, EnerSys ENS shares rose 4.8% to $243.34, continuing a strong performance with a year-to-date increase of 66.1% and a remarkable 205.9% gain over the past year. The stock has fluctuated between a 52-week low of $80.82 and a high of $244.30.

GF Value™ verdict: Current price of $243.34 is 115.6% above the GF Value™ estimate of $112.86.GF Score™ of 76/100 indicates the stock is above average compared to its peers.Notable signal: No insider transactions have been reported in the last three months. Is ENS Overvalued or Undervalued? According to the GF Value™, EnerSys ENS is significantly overvalued at its current price of $243.34 compared to the estimated fair value of $112.86. This represents a substantial margin of safety of 115.6% that investors would need to consider to justify an investment at this price level. The GF Valuation label indicates that the stock is trading at a level that does not appear to be supported by its fundamentals. Investors should be cautious as purchasing shares at such a premium may expose them to significant risk if the stock price corrects towards its intrinsic value.

GF Value™ is GuruFocus' proprietary measure of intrinsic value, calculated from historical trading multiples, past business growth, and future performance estimates. Given the current overvaluation, the risk of a price adjustment should be a key consideration for those evaluating this stock.

How Does ENS's Valuation Compare to Its History? Metric Current Historical P/E (TTM) 31.6x 19.1x Forward P/E 20.3x N/A The current P/E (TTM) ratio of 31.6x is significantly above its 5-year median P/E of 19.1x, indicating that the stock is trading at a premium relative to its historical valuation. This analysis aligns with the GF Value™ verdict, further supporting the conclusion that EnerSys ENS is overvalued at its present price level.

What Does ENS's GF Score™ Tell Us? The GF Score™ ranks stocks from 0 to 100 based on five key aspects: Financial Strength, Profitability, Growth, Valuation, and Momentum. Stocks with higher GF Score™ values have been found to generate higher long-term returns (backtested 2006-2021).

Metric Rating GF Score™ 76 Financial Strength 7/10 Profitability 8/10 Growth 8/10 Valuation 1/10 Momentum 6/10 The GF Score™ of 76/100 indicates that EnerSys ENS is performing well overall, particularly in areas of Profitability and Growth, both rated at 8/10. However, the Valuation rank of 1/10 highlights a significant concern regarding its current price level. This disparity suggests that while the company exhibits strong operational metrics, its current market price does not reflect a sound valuation.

What Are Insiders Doing with ENS Stock? In the last three months, there have been no insider transactions reported for EnerSys ENS . The lack of insider activity may suggest that current executives and board members do not view the stock as undervalued or may be awaiting further developments before making any trades. Generally, insider buying can be seen as a positive signal, while selling might indicate a lack of confidence in the stock's future performance.

What This Means for Investors Based on the analysis provided by GF Value™, EnerSys ENS is currently overvalued at its present price of $243.34. With a significant premium over its intrinsic value, potential investors should approach this stock with caution and consider the associated risks of overvaluation.

For the complete analysis, visit the EnerSys ENS stock page. You can also explore the GF Value™ page for detailed valuation methodology, or use the GuruFocus Stock Screener to find similar opportunities.

Frequently Asked Questions What is ENS's GF Score™?

ENS's GF Score™ is 76/100, indicating it is above average compared to its peers based on various financial metrics.

Is ENS overvalued or undervalued?

ENS is considered overvalued according to the GF Value™ estimate, which indicates a significant premium over its intrinsic value.

What is ENS's P/E ratio?

ENS's P/E (TTM) ratio is 31.6x, which is 65% above its 5-year median P/E of 19.1x, indicating a significant premium compared to its historical valuation.

This stock alert was generated using automated technology and GuruFocus financial data to provide readers with timely and accurate market reporting. This content was reviewed by GuruFocus editorial team prior to publication. Please send any questions or comments about this story to [email protected].

READING, Pa.--(BUSINESS WIRE)--EnerSys (NYSE: ENS), a global leader in stored energy solutions for industrial, infrastructure and defense applications, today announced that it has realigned its previous four operating segments into a three-segment operating model designed to better serve customers and enhance organizational focus, beginning in the first quarter of fiscal year 2027. The three reportable segments, their mission statements, and descriptions are as follows:

Network & Infrastructure Solutions (NIS): Powering the connected world with trusted reserve and critical infrastructure solutions
Consists of the prior Energy Systems segment, providing power solutions and services to broadband, telecommunications, data center, and industrial utility customers. Industrial Mobility Solutions (IMS): Powering industrial vehicles and equipment that keep essential goods and industries moving around the world
Consists of the prior Motive Power segment with the addition of the Transportation business previously reported within the Specialty segment, providing power for electric industrial forklifts and other material handling equipment as well as transportation applications, primarily Class 8 trucks. Precision Power Solutions (PPS): Powering advanced, reliable, high-performance solutions for defense, aerospace, and specialized applications
Consists of the aerospace and defense and specialized products business from the prior Specialty segment, providing energy solutions primarily for military vehicles, advanced defense programs, soldier powering and autonomous systems. “The realignment and renaming of our segments reinforces our position as a leading provider of end-to-end stored energy solutions for our diverse, growing, specialized end markets,” said Shawn O’Connell, President and Chief Executive Officer of EnerSys. “Our updated segment names, with an emphasis on solutions, highlights our focus on supporting our customers beginning from the design and implementation process, and continuing through to managing data, uptime, and system performance.

“Our updated segment structure better reflects how we serve our customers today and how we will drive the next phase of our growth. Bringing our lift truck and transportation businesses together into one line of business creates stronger internal alignment, enables cross-selling, and allows us to deepen relationships with our warehousing and logistics customers. In addition, this structure provides greater visibility into our fast-growing aerospace and defense-focused PPS segment. Consistent with our EnerGize strategic framework, these changes enhance focus and alignment, and position us better for the exciting growth opportunities ahead,” O’Connell concluded.

As part of this realignment, New Ventures will no longer be considered a separate operating segment, and sales will be reported within the segments in which those sales occur. Prior costs associated with New Ventures have been allocated as part of corporate charges. As part of this segment realignment, corporate charges are being redistributed across all lines of business, based on a new manner of allocation.

The Company’s guidance for the first quarter of fiscal year 2027, ending June 28, 2026, and issued on May 20, 2026, is unchanged and not impacted by the segment realignment.

Together with this press release, the Company has provided a Current Report on Form 8-K with a recast of comparable prior year segment unaudited financial information for fiscal years 2025 and 2026, along with a summary presentation that is posted on the Events & Presentations section of EnerSys’ Investor Relations website. The Company’s consolidated balance sheets, income statements, and statements of cash flows are not affected.

About EnerSys

EnerSys is a global leader in stored energy solutions helping industrial, infrastructure and defense customers address critical power and operational needs with batteries, chargers and other power equipment. The company delivers integrated solutions that combine energy storage technologies, power electronics, software-enabled intelligence, technical expertise and comprehensive global customer support. EnerSys supports customers across communications networks, data centers, energy infrastructure, material handling, transportation, aerospace and defense — including applications where power continuity is essential. Serving customers in more than 100 countries, EnerSys helps organizations manage energy more reliably, efficiently and intelligently in complex operating environments where uptime, safety and resilience matter. For more information, visit www.enersys.com.

READING, Pa.--(BUSINESS WIRE)-- #EnerSys--EnerSys (NYSE: ENS), a global leader in stored energy solutions for industrial applications, today introduced the DataSafe Noir™ lithium-based energy storage system engineered to control how power behaves under real-world and dynamic load conditions. The system is available immediately. As data centers increase in density, complexity, and reliance on dynamic AI-driven workloads, the challenge is no longer just selecting a battery. It is managing how power systems.

EnerSys (ENS) Analyst/Investor Day Transcript

Energy Transfer remains a Strong Buy after a jaw-dropping Q1, with distributable cash flow surging to $2.7B and guidance raised by $750M. ET's growth is shifting from risky greenfield projects to high-ROIC brownfield expansions, leveraging irreplaceable existing assets and short-cycle projects, especially in Texas. Many investors are concerned with ET's debt, but a sub-4.0x leverage ratio is practically here.

Energy Transfer delivered record Q1 adj. EBITDA of $4.9B, up 20% Y/Y, with broad-based segment strength and robust distributable cash flow. Management raised 2024 EBITDA guidance to $18.2B–$18.6B and increased growth CapEx, reflecting a deep backlog of mid-teens-return, fully contracted projects. ET enhanced its moat with strategic acquisitions and long-term data center supply agreements while raising its quarterly distribution to $0.3375 per unit.

Energy Transfer leverages its irreplaceable asset base to drive substantial volume growth and pursue opportunistic bolt-on expansions. ET's EBITDA approaches $20 billion with annualized DCF exceeding $10 billion, supporting a double-digit DCF yield and a comfortably covered quarterly distribution. Growth capital spending is ramping up to $5.7 billion in 2024, targeting core natural gas, midstream, and high-demand datacenter power projects.

, /PRNewswire/ -- Vuzix® Corporation (NASDAQ: VUZI), ("Vuzix" or, the "Company"), a leading supplier of AI-powered smart glasses, waveguides, and Augmented Reality (AR) technologies, today announced that the Company will be hosting its Annual Meeting of Stockholders (Annual Meeting) on Tuesday, June 16, 2026 at 11:00 AM Eastern Time (ET). Following the formal portion of the meeting, Vuzix CEO and President Paul Travers will give a corporate presentation.

Event:

2026 Vuzix Annual Meeting

Location:

RIT Inn and Conference Center

5257 West Henrietta Road

Henrietta, NY 14467

Date:

June 16, 2026

Time:

11:00 AM Eastern Time (ET)

The Company requests that shareholders planning to attend the Annual Meeting please preregister with Ed McGregor at [email protected]. Doors will open at 10:15 AM that morning. Vuzix will be providing product and technology demos prior to the meeting's start.

Regardless of whether you plan to attend the live meeting, Vuzix encourages all shareholders who have not yet voted to do so prior to June 16th, using one of the methods outlined in the proxy materials you received directly or from your broker, to ensure your voice is represented. Vuzix' proxy statement, which contains full voting instructions, can be found here.

Following completion of the meeting, the Company will provide a link to an audio recording of both the formal proceedings, and the audio and slides of CEO's corporate presentation on its website at http://ir.vuzix.com/.

About Vuzix Corporation

Vuzix is a leading designer, manufacturer and marketer of AI-powered smart glasses, waveguides and augmented reality technologies, components and products for the enterprise, medical, defense, security agencies, and consumer markets. The Company's products include head-mounted smart personal display and wearable computing devices that offer users a portable high-quality viewing experience, provide solutions for mobility, wearable displays and augmented reality, as well OEM waveguide optical components and display engines. Vuzix holds more than 500 patents and patents pending and numerous IP licenses in the fields of optics, head-mounted displays, and the augmented reality wearables field. The Company has won over 20 Consumer Electronics Show (or CES) awards for innovation since 2005 and several wireless technology innovation awards among others. Founded in 1997, Vuzix is a public company (NASDAQ: VUZI) with offices in: Rochester, NY; and Kyoto and Okayama, Japan. For more information, visit the Vuzix website, X and Facebook pages.

Vuzix Media and Investor Relations Contact:

Ed McGregor, Director of Investor Relations,
Vuzix Corporation
[email protected]
Tel: (585) 359-5985

Vuzix Corporation, 25 Hendrix Road, West Henrietta, NY 14586 USA,
Investor Information – [email protected] www.vuzix.com

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SOURCE Vuzix Corporation

Rio2 Limited (“Rio2” or “the Company”) (TSX: RIO; OTCQX: RIOFF; BVL: RIO) reminds its shareholders that the Annual General and Special Meeting of shareholders (the “Meeting”) will be held on Wednesday, June 17, 2026, at 11 a.m. ET. The Meeting will be entirely virtual and conducted via live webcast, allowing all shareholders to participate online regardless of location. Shareholders cannot attend the Meeting in person. There will be a Q&A session during the Meeting where investors can ask questions and receive immediate answers.

The timing and process for voting are detailed in the Notice of Availability of Proxy Materials mailed to shareholders and in meeting materials available on SEDAR+ at www.sedarplus.ca and the company’s website at www.rio2.com/investors.

VOTING DEADLINE
The voting deadline is 11:00 a.m. (ET) on Monday, June 15, 2026.

PARTICIPATION AT THE MEETING
Registered Shareholders and duly appointed proxyholders can participate in the Meeting online in real-time at https://meetnow.global/MZ72QYA by clicking “Shareholder” and entering the 15-digit Control Number on the proxy form. Proxyholders can also join by entering the invitation code received from Computershare before the Meeting starts.

Only Registered Shareholders and duly appointed proxyholders can vote at the Meeting. Non-Registered Shareholders who have not appointed themselves may attend by clicking “Guest” and completing the online form.

Rio2 recommends that shareholders log in to the webcast at least 10 minutes before the Meeting starts to ensure connectivity.

Shareholders who have questions about voting their shares or attending the AGM may contact the Company by email at [email protected].

Your vote is important. Whether or not you plan to attend the AGM virtually, please vote as soon as possible using one of the methods described in the proxy materials to ensure your shares are represented and voted.

ABOUT RIO2 LIMITED

Rio2 is a diversified precious metals and copper producer focused on building and operating mines with a management team that has proven technical skills as well as a successful capital markets track record. The Company is currently producing gold at its Fenix Gold heap leach mine in Chile and copper/gold/silver at its recently acquired Condestable underground mine in Peru. Rio2 and its wholly owned subsidiaries, Fenix Gold Limitada and Compañía Minera Condestable S.A., are companies that operate with the highest environmental standards and responsibility, with the firm conviction that it is possible to develop mining projects that respect the three pillars (Social, Environment, Economics) of responsible development. As related companies, we reaffirm our commitment to apply environmental standards beyond those mandated by regulators, seeking to protect and preserve the environment in the territories where we operate.

To learn more about Rio2 Limited, please visit: www.rio2.com or Rio2's SEDAR+ profile at www.sedarplus.ca.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260611712115/en/

April 30, 2026 17:12 ET  | Source: Archrock

HOUSTON, April 30, 2026 (GLOBE NEWSWIRE) -- Archrock, Inc. (NYSE: AROC) (“Archrock” or the “Company”) today announced that its Board of Directors has declared a quarterly dividend of $0.22 per share of common stock, or $0.88 per share on an annualized basis. The first quarter 2026 dividend will be paid on May 19, 2026, to all stockholders of record on May 12, 2026.

The first quarter 2026 dividend is consistent with Archrock’s fourth quarter 2025 dividend level and represents an increase of approximately 16 percent over the Archrock first quarter 2025 dividend level.    

About Archrock

Archrock is an energy infrastructure company with a primary focus on midstream natural gas compression and a commitment to helping its customers produce, compress and transport natural gas in a safe and environmentally responsible way. Headquartered in Houston, Texas, Archrock is a premier provider of natural gas compression services to customers in the energy industry throughout the U.S. and a leading supplier of aftermarket services to customers that own compression equipment. For more information on how the Company embodies its purpose, WE POWER A CLEANER AMERICATM, visit www.archrock.com.

Forward-Looking Statements

This press release contains forward-looking statements, which include statements about Archrock’s future financial performance and dividends. These statements are not guarantees of future performance or actions. Forward-looking statements rely on a number of assumptions concerning future events and are subject to risks and uncertainties. If one or more of these risks or uncertainties materialize, actual results may differ materially from those contemplated by a forward-looking statement. Forward-looking statements speak only as of the date on which they are made. Archrock expressly disclaims any obligation to update or revise any forward-looking statement, whether as a result of new information, future events or otherwise. A further list and description of risks, uncertainties and other matters can be found in Archrock’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025 and as set forth from time to time in Archrock’s filings with the Securities and Exchange Commission. These filings are available online at www.sec.gov and www.archrock.com.

For information, contact:

Megan Repine
Vice President, Investor Relations
(281) 836-8360
[email protected]