GAAP diluted EPS was $0.23. The estimated EPS was $0.20.Total revenues were $558.0 million. The estimated revenue was $542.93 million.FFO per diluted share was $0.46, up 4.5% year over year.Leased 4.4 million square feet; blended cash rent spreads on comparable leases were +11.3%.Record 410 bps leased-to-economic occupancy spread implies $77 million of future ABR.Pro-rata leased occupancy reached 96.3%; same-property NOI grew 1.7%.Liquidity ended at approximately $2.2 billion; revolver recast to 2030 and CP program launched.Quarterly dividend declared at $0.26 per share, up 4% year over year.2026 net income guidance raised to $0.83–$0.87; FFO guidance at $1.81–$1.84.On April 30, 2026, Kimco Realty Corp KIM released its 8-K filing detailing first-quarter 2026 results. One of the oldest real estate investment trusts in the United States, Kimco Realty Corp (KIM) owns interests in 565 shopping centers throughout major markets in the U.S., representing roughly 100 million square feet. The company reported GAAP diluted EPS of $0.23 and total revenues of $558.0 million for the quarter ended March 31, 2026.
Quarterly performance and why it matters GAAP diluted EPS was $0.23, which is above the estimated EPS of $0.20. GAAP diluted EPS was $0.23, which compares to $0.18 in the prior-year period.
Total revenues were $558.0 million, which is above the estimated revenue of $542.93 million. Total revenues were $558.0 million, which compares to $536.6 million in the prior-year period.
FFO, a key REIT cash flow metric, was $311.3 million, or $0.46 per diluted share, up from $0.44 per diluted share last year. For retail REITs, FFO growth supports sustainable dividends and reinvestment capacity, and it often better reflects core property cash generation than GAAP EPS.
“Our solid first quarter results, highlighted by strong leasing activity, rent commencements, and tenant credit profiles, continue to validate our strategy and underscore the power of the Kimco platform, the quality of our portfolio, the resilient demand for our product and the ability to generate durable cash flow,” “With a significant signed-not-opened pipeline set to come online over the coming quarters, we have a clear line of sight to meaningful organic growth. Combining our strong balance sheet with a disciplined approach to capital allocation, we remain confident that we will meet our external growth targets and deliver sustained long-term value for our shareholders.”Leasing momentum and operating fundamentals Kimco Realty Corp KIM signed 4.4 million square feet across 576 leases in the quarter. Blended pro-rata cash rent spreads on comparable spaces were +11.3%. New lease spreads were +23.8%. Renewal spreads were +12.0%, and options were +7.9%.
Pro-rata leased occupancy increased 50 bps year over year to 96.3%. Pro-rata anchor occupancy reached 97.9%, up 50 bps year over year, while small-shop occupancy rose 80 bps to 92.5%. Same-property NOI grew 1.7% year over year, supported by a 2.2% increase in minimum rents. Credit loss was 52 bps of total pro-rata rental revenues.
The company reported a record 410 bps leased-to-economic occupancy spread, representing $77 million in future ABR, a 28% year-over-year increase. For open-air retail REITs, this spread indicates signed-not-opened leases that should convert into revenue, providing visibility into near-term organic growth.
Income statement, balance sheet, and capital activity Revenue expansion was driven by higher minimum rents and reimbursement income. Operating and maintenance expenses increased by $5.7 million, largely from higher snow removal and landscaping, and real estate tax expense rose by $2.9 million. Lease termination income declined by $2.5 million year over year. Interest expense was $83.1 million versus $80.4 million last year.
On the balance sheet, total assets were $19.59 billion and total liabilities were $9.04 billion at quarter end. Notes payable were $7.72 billion and mortgages payable were $0.47 billion. Total equity stood at $10.55 billion. Immediate liquidity was approximately $2.2 billion, including full availability on the $2.0 billion unsecured revolving credit facility and about $170 million of cash, cash equivalents, and restricted cash.
Capital markets actions included recasting the $2.0 billion unsecured revolver, now priced at Term SOFR + 63.5 bps with maturity in 2030 (plus two six-month extensions). The company also launched a $750 million commercial paper program to enhance short-term financing flexibility. Kimco Realty Corp KIM repurchased 23,103 shares at a weighted average price of $19.99. Under its Structured Investment Program, it invested $76.4 million of new capital, partially offset by $38.5 million in mezzanine loan repayments, and realized gains on select ground-lease dispositions.
Metric Q1 2026 Q1 2025 Total revenues $558.0M $536.6M GAAP diluted EPS $0.23 $0.18 FFO (diluted) $311.3M $301.9M FFO per diluted share $0.46 $0.44 Same-property NOI growth +1.7% — Pro-rata leased occupancy 96.3% 95.8% Blended cash rent spreads (comparable) +11.3% — Credit loss (% of rental revenues) 52 bps — Notes payable $7.72B $7.72B Mortgages payable $0.47B $0.47B Immediate liquidity ~$2.2B —Dividends, transactions, and outlook update The board declared a quarterly common dividend of $0.26 per share (payable June 18, 2026, to shareholders of record on June 5, 2026), a 4.0% year-over-year increase. Preferred dividends for Class L, M, and N were also declared.
Transactional activity included the sale of two ground-leased parcels for $47.1 million, with proceeds applied as part of a reverse 1031 exchange toward a prior acquisition. The company completed a $106 million preferred equity mixed-use development at Coulter Place, a 131-unit multifamily project adjacent to Suburban Square in Ardmore, Pennsylvania.
Kimco Realty Corp KIM updated its 2026 guidance. Net income per diluted share is now $0.83 to $0.87, raised from $0.80 to $0.84. FFO per diluted share is $1.81 to $1.84, compared to a prior range of $1.80 to $1.84. The same-property NOI growth outlook is now +2.8% to +3.5%, previously +2.5% to +3.5%. Credit loss assumptions improved to 65 to 90 bps from 75 to 100 bps.
Performance assessment for investors The quarter showcased solid property-level demand, evidenced by double-digit cash rent spreads and rising occupancy. For a retail REIT, this leasing velocity translated into FFO per share growth and a record leased-to-economic occupancy gap that points to upcoming rent commencements. The dividend increase underscores distributable cash flow growth.
Challenges included higher operating and maintenance expenses, increased real estate taxes, and modestly higher interest expense year over year. While credit loss remained low at 52 bps, sustained expense pressure could temper same-property NOI growth. Balance sheet flexibility improved with the revolver recast and new commercial paper program, supporting redevelopment, structured investments, and opportunistic capital deployment.
GuruFocus Valuation Check Based on GuruFocus’ proprietary metrics, Kimco Realty Corp KIM trades at a current price of $23.64 versus a GF Value estimate of $21.94. The stock appears 7.7% overvalued on this measure. For value-oriented investors, this suggests a modest premium relative to intrinsic value calculations.
The GF Score is 79/100, which is considered Above Average. A Profitability Rank of 7/10 indicates healthy operating quality for a REIT, while a Growth Rank of 5/10 points to moderate expansion prospects. Financial Strength is 4/10, reflecting a balance sheet typical of the sector but suggesting that leverage and interest costs merit ongoing attention. Predictability is 1 star, implying that historical consistency in financial performance has been limited, which can raise the bar for underwriting assumptions. The Moat Score of 5/10 suggests a moderate competitive position, supported by grocery-anchored centers in dense, first-ring suburbs.
Insider Activity shows insiders sold approximately $0.2 million in the last three months, with no reported buying. This is a small amount, but notable insider selling without offsetting purchases typically argues for some caution on near-term upside. For a deeper dive, visit the Kimco Realty Corp stock page on GuruFocus.
Explore the complete 8-K earnings release (here) from Kimco Realty Corp for further details.
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].
Kimco Realty (KIM - Free Report) came out with quarterly funds from operations (FFO) of $0.46 per share, beating the Zacks Consensus Estimate of $0.45 per share. This compares to FFO of $0.44 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an FFO surprise of +2.47%. A quarter ago, it was expected that this real estate investment trust would post FFO of $0.44 per share when it actually produced FFO of $0.44, delivering no surprise.
Over the last four quarters, the company has surpassed consensus FFO estimates three times.
Kimco Realty, which belongs to the Zacks REIT and Equity Trust - Retail industry, posted revenues of $558.02 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 2.75%. This compares to year-ago revenues of $536.62 million. The company has topped consensus revenue estimates three times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future FFO expectations will mostly depend on management's commentary on the earnings call.
Kimco Realty shares have added about 16.6% since the beginning of the year versus the S&P 500's gain of 4.2%.
What's Next for Kimco Realty?While Kimco Realty has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's FFO outlook. Not only does this include current consensus FFO expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Kimco Realty was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus FFO estimate is $0.46 on $541.8 million in revenues for the coming quarter and $1.82 on $2.19 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, REIT and Equity Trust - Retail is currently in the top 23% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Another stock from the same industry, Macerich (MAC - Free Report) , has yet to report results for the quarter ended March 2026. The results are expected to be released on May 6.
This shopping center real estate investment trust is expected to post quarterly earnings of $0.31 per share in its upcoming report, which represents a year-over-year change of -6.1%. The consensus EPS estimate for the quarter has been revised 0.3% higher over the last 30 days to the current level.
Macerich's revenues are expected to be $238.67 million, down 4.2% from the year-ago quarter.
For the quarter ended March 2026, Kimco Realty (KIM - Free Report) reported revenue of $558.02 million, up 4% over the same period last year. EPS came in at $0.46, compared to $0.18 in the year-ago quarter.
The reported revenue represents a surprise of +2.75% over the Zacks Consensus Estimate of $543.08 million. With the consensus EPS estimate being $0.45, the EPS surprise was +2.47%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Kimco Realty performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Pro-rata portfolio occupancy rate: 96.3% compared to the 94.7% average estimate based on three analysts.Revenues- Management and other fee income: $5.2 million versus the five-analyst average estimate of $4.86 million. The reported number represents a year-over-year change of -2.5%.Revenues- Revenues from rental properties, net: $552.81 million compared to the $537.46 million average estimate based on four analysts. The reported number represents a change of +4.1% year over year.Net Earnings Per Share- Diluted: $0.23 versus $0.19 estimated by three analysts on average.View all Key Company Metrics for Kimco Realty here>>>
Shares of Kimco Realty have returned +5.3% over the past month versus the Zacks S&P 500 composite's +12.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Key Takeaways KIM reported Q1 2026 FFO of 46 cents, beating estimates as revenues rose 4% year over year.Kimco signed 4.4M square feet across 576 leases, with blended cash rent spreads of 11.3%.KIM raised the low end of 2026 FFO guidance to $1.81-$1.84 and ended Q1 with $2.2B liquidity. Kimco Realty Corporation (KIM - Free Report) reported first-quarter 2026 funds from operations (FFO) of 46 cents per share, topping the Zacks Consensus Estimate of 45 cents by 2.22%. The metric increased 4.5% from the year-ago quarter. Total consolidated revenues of $558 million rose 4% year over year and surpassed the consensus mark of $543.1 million by 2.75%.
Results were supported by steady rent growth and continued demand for Kimco’s open-air, grocery-anchored centers, with pro-rata leased occupancy ending the quarter at 96.3%, up 50 basis points year over year.
KIM’s Revenue Mix Shows Steady MomentumNet revenues from rental properties increased to $552.8 million from $531.3 million in the year-ago quarter, reflecting improved property-level performance. Management attributed the year-over-year lift in consolidated revenues from rental properties to higher minimum rents and stronger reimbursement income.
Expense pressures were evident but manageable. Operating and maintenance costs rose to $95.2 million from $89.6 million, and real estate taxes increased to $72.8 million from $69.9 million. General and administrative expense also ticked up to $37.2 million from $34.4 million, reflecting higher costs relative to the prior-year period.
KIM's Leasing Gains Drive Rent SpreadsKimco signed 4.4 million square feet during the quarter across 576 leases, reflecting broad-based tenant demand. On comparable spaces, blended pro-rata cash rent spreads were 11.3%, with new leases up 23.8% and renewals and options rising 12% and 7.9%, respectively.
The operating backdrop also remained constructive. Pro-rata anchor occupancy was 97.9% at quarter end, up 50 basis points year over year, while pro-rata small shop occupancy improved 80 basis points year over year to 92.5%. Kimco also posted a record leased-to-economic occupancy spread of 410 basis points, representing a $77 million increase in future annual base rent.
KIM’s Portfolio ActivityThe company sold two ground-leased parcels, namely, Lowe's Home Improvement at Mission Bell Shopping Center in Tampa, FL, for $22.8 million and the Walmart and Sam's Club at Dulles Town Crossing in Sterling, VA, for $24.3 million. The proceeds were used in a reverse 1031 exchange to help fund the December 2025 acquisition of the common member interests in The Shoppes at 82nd Street.
Under Kimco’s Structured Investment Program, it invested $76.4 million in new capital, partially offset by $38.5 million in mezzanine loan repayments.
KIM Strengthens Liquidity With New Funding ToolsKimco exited the quarter with approximately $2.2 billion of immediate liquidity, including full availability on its $2.0 billion unsecured revolving credit facility and roughly $170 million of cash, cash equivalents and restricted cash on the balance sheet. The company also maintained investment-grade credit ratings (A- at S&P and Fitch, A3 at Moody’s).
During the quarter, Kimco completed a recast of the $2 billion unsecured revolving credit facility, which carries an initial maturity of March 17, 2030, with expansion capacity up to $2.75 billion through an accordion feature. Management also launched a $750 million commercial paper program to add short-term financing flexibility, complementing the REIT’s broader funding toolkit.
KIM Raises 2026 FFO ViewKimco updated its 2026 outlook, raising the low end of expected FFO per share to a range of $1.81-$1.84 from the prior $1.80-$1.84. The Zacks Consensus Estimate of $1.82 lies within the guidance.
Kimco’s full-year outlook is based on the same property NOI growth of 2.8%-3.5%, from the previous 2.5%-3.5%. Property acquisitions, net of dispositions, guidance remains unchanged within $300 million to $500 million.
KIM’s Zacks RankThe company currently carries a Zacks Rank #3 (Hold).
Upcoming Earnings ReleasesWe now look forward to the earnings releases of other retail REITs, such as Federal Realty Investment Trust (FRT - Free Report) and Simon Property Group (SPG - Free Report) , which are slated to report on May 1 and 11, respectively.
The Zacks Consensus Estimate for Federal Realty Investment Trust’s first-quarter 2026 FFO per share is pegged at $1.82, implying a 7.06% year-over-year increase. FRT currently carries a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
The Zacks Consensus Estimate for Simon Property Group’s first-quarter 2026 FFO per share is pinned at $2.98, indicating a 1.02% rise year over year. SPG currently has a Zacks Rank #2.
Note: Anything related to earnings presented in this write-up represents funds from operations (FFO), a widely used metric to gauge the performance of REITs.
Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.
While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.
Kimco Realty (KIM - Free Report) is headquartered in Jericho, and is in the Finance sector. The stock has seen a price change of 16.18% since the start of the year. Currently paying a dividend of $0.26 per share, the company has a dividend yield of 4.42%. In comparison, the REIT and Equity Trust - Retail industry's yield is 3.9%, while the S&P 500's yield is 1.42%.
Looking at dividend growth, the company's current annualized dividend of $1.04 is up 3% from last year. Over the last 5 years, Kimco Realty has increased its dividend 5 times on a year-over-year basis for an average annual increase of 14.37%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Kimco Realty's current payout ratio is 58%, meaning it paid out 58% of its trailing 12-month EPS as dividend.
Earnings growth looks solid for KIM for this fiscal year. The Zacks Consensus Estimate for 2026 is $1.82 per share, with earnings expected to increase 3.41% from the year ago period.
Investors like dividends for a variety of different reasons, from tax advantages and decreasing overall portfolio risk to considerably improving stock investing profits. However, not all companies offer a quarterly payout.
High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. During periods of rising interest rates, income investors must be mindful that high-yielding stocks tend to struggle. With that in mind, KIM is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
The Suit Alleges Concealed Demolition Plans and Wrongful Evictions to Construct a Target
, /PRNewswire/ -- Drip Coffee, an emerging coffee brand, filed suit in the Circuit Court of the Seventeenth Judicial Circuit in Broward County, Florida, accusing Kimco Realty Corporation (NYSE: KIM), a New York-based developer of open-air shopping centers, of systemic fraudulent business practices in which the company enters into multi-year leases with tenants while simultaneously planning to evict those same tenants at a later date to make room for larger retailers.
Kimco CEO Conor Flynn and Drip Coffee President Taylor Schear The lawsuit claims that Drip Coffee was used as a "pawn" to provide short-term rent to Kimco and its subsidiaries while they failed to disclose that they intended to begin a massive redevelopment and demolition project affecting more than 100,000 square feet of the shopping center, including the demolition of an LA Fitness and a movie theater, to accommodate a highly lucrative deal with Target. Drip Coffee alleges that Kimco committed fraud by soliciting leases they knew they could not fulfill.
"Kimco business practices have the company enter into agreements the company has no intention of keeping." said Taylor Schear, Drip Coffee, President. "Kimco has abandoned the safety of their tenants and patrons in favor of profits. Their practices are driven by greed despite the businesses and jobs destroyed, and the loss of the revenue and investments for the businesses that enter into contracts with Kimco in good faith."
Drip's lawsuit was filed after attempts to resolve the matter with Kimco failed.
About Drip Coffee
Drip Coffee is an emerging coffee brand created to invigorate the industry with fun, flavorful drinks, including the Honey Bear Latte, Sticky Situation and Burnt Ritual.
Kimco Realty (KIM) offers a robust, investment-grade REIT platform with 565 properties and strong grocery-anchored tenant mix. KIM.PR.L and KIM.PR.M preferred shares yield 6.6%, trade ~20% below par, and offer superior risk/return versus common stock. Preferreds benefit from cumulative dividends, 40x FFO coverage, and potential capital gains if interest rates normalize.
May 21, 2026 06:50 ET | Source: Kimco Realty Corporation
JERICHO, New York, May 21, 2026 (GLOBE NEWSWIRE) -- Kimco Realty® (NYSE: KIM) announced today that its management will present at the Bernstein Strategic Decisions Conference 2026 on Wednesday, May 27, 2026.
Event: Kimco Realty® Management Presentation
When: Wednesday, May 27, 2026, from 2:30 PM – 3:20 PM, ET
Live Webcast: Kimco Realty Management to Present at Bernstein Conference
Audio from the webcast will be available on Kimco Realty’s investor relations website until August 25, 2026.
About Kimco Realty®
Kimco Realty® (NYSE: KIM) is a real estate investment trust (REIT) and leading owner and operator of high-quality, open-air, grocery-anchored shopping centers and mixed-use properties in the United States. The company’s portfolio is strategically concentrated in the first-ring suburbs of the top major metropolitan markets, including high-barrier-to-entry coastal markets and Sun Belt cities. Its tenant mix is focused on essential, necessity-based goods and services that drive multiple shopping trips per week. Publicly traded on the NYSE since 1991 and included in the S&P 500 Index, the company has specialized in shopping center ownership, management, acquisitions, and value-enhancing redevelopment activities for more than 65 years. With a proven commitment to corporate responsibility, Kimco Realty is a recognized industry leader in this area. As of March 31, 2026, the company owned interests in 565 U.S. shopping centers and mixed-use assets comprising 100 million square feet of gross leasable space. For further information, please visit www.kimcorealty.com.
The company announces material information to its investors using the company’s investor relations website (investors.kimcorealty.com), SEC filings, press releases, public conference calls, and webcasts. The company also uses social media to communicate with its investors and the public, and the information the company posts on social media may be deemed material information. Therefore, the company encourages investors, the media, and others interested in the company to review the information that it posts on the social media channels, including Facebook (www.facebook.com/kimcorealty) and LinkedIn (www.linkedin.com/company/kimco-realty-corporation). The list of social media channels that the company uses may be updated on its investor relations website from time to time.
CONTACT:
David F. Bujnicki
Senior Vice President, Investor Relations and Strategy
Kimco Realty Corporation
(833) 800-4343 [email protected]
May 28, 2026 16:10 ET | Source: Kimco Realty Corporation
JERICHO, N.Y., May 28, 2026 (GLOBE NEWSWIRE) -- Kimco Realty® (NYSE: KIM) announced today that members of its management team will present at the Nareit REITweek Investor Conference on Wednesday, June 3, 2026. The webcast information is as follows:
When: Wednesday, June 3, 2026 from 2:00 PM – 2:30 PM, ET
Live Webcast: Kimco Realty Presentation Link, or enter https://vimeo.com/event/5873106/ into your browser.
Audio from the conference will be available on Kimco Realty’s investor relations website until August 2, 2026.
About Kimco Realty®
Kimco Realty® (NYSE: KIM) is a real estate investment trust (REIT) and leading owner and operator of high-quality, open-air, grocery-anchored shopping centers and mixed-use properties in the United States. The company’s portfolio is strategically concentrated in the first-ring suburbs of the top major metropolitan markets, including high-barrier-to-entry coastal markets and Sun Belt cities. Its tenant mix is focused on essential, necessity-based goods and services that drive multiple shopping trips per week. Publicly traded on the NYSE since 1991 and included in the S&P 500 Index, the company has specialized in shopping center ownership, management, acquisitions, and value-enhancing redevelopment activities for more than 65 years. With a proven commitment to corporate responsibility, Kimco Realty is a recognized industry leader in this area. As of March 31, 2026, the company owned interests in 565 U.S. shopping centers and mixed-use assets comprising 100 million square feet of gross leasable space. For further information, please visit www.kimcorealty.com.
The company announces material information to its investors using the company’s investor relations website (investors.kimcorealty.com), SEC filings, press releases, public conference calls, and webcasts. The company also uses social media to communicate with its investors and the public, and the information the company posts on social media may be deemed material information. Therefore, the company encourages investors, the media, and others interested in the company to review the information that it posts on the social media channels, including Facebook (www.facebook.com/kimcorealty), and LinkedIn (www.linkedin.com/company/kimco-realty-corporation). The list of social media channels that the company uses may be updated on its investor relations website from time to time.
CONTACT:
David F. Bujnicki
Senior Vice President, Investor Relations and Strategy
Kimco Realty Corporation
(833) 800-4343 [email protected]
Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.
Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.
Based in Jericho, Kimco Realty (KIM - Free Report) is in the Finance sector, and so far this year, shares have seen a price change of 19.24%. The real estate investment trust is currently shelling out a dividend of $0.26 per share, with a dividend yield of 4.3%. This compares to the REIT and Equity Trust - Retail industry's yield of 3.82% and the S&P 500's yield of 1.44%.
Looking at dividend growth, the company's current annualized dividend of $1.04 is up 3% from last year. Over the last 5 years, Kimco Realty has increased its dividend 5 times on a year-over-year basis for an average annual increase of 14.37%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Kimco Realty's current payout ratio is 58%, meaning it paid out 58% of its trailing 12-month EPS as dividend.
Looking at this fiscal year, KIM expects solid earnings growth. The Zacks Consensus Estimate for 2026 is $1.83 per share, which represents a year-over-year growth rate of 3.98%.
From greatly improving stock investing profits and reducing overall portfolio risk to providing tax advantages, investors like dividends for a variety of different reasons. However, not all companies offer a quarterly payout.
For instance, it's a rare occurrence when a tech start-up or big growth business offers its shareholders a dividend. It's more common to see larger companies with more established profits give out dividends. Income investors have to be mindful of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. With that in mind, KIM is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
June 10, 2026 08:54 ET | Source: Kimco Realty Corporation
JERICHO, N.Y., June 10, 2026 (GLOBE NEWSWIRE) -- Kimco Realty® (NYSE: KIM) today announced that its operating subsidiary, Kimco Realty OP, LLC (“Kimco OP”), intends to offer, subject to market and other conditions, $500,000,000 aggregate principal amount of exchangeable senior notes due 2031 (the “notes”) in a private offering to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”). Kimco Realty Corporation (“Kimco”) will fully and unconditionally guarantee the notes on a senior, unsecured basis. Kimco OP also expects to grant the initial purchasers of the notes an option to purchase, for settlement within a period of 13 days from, and including, the date the notes are first issued, up to an additional $75,000,000 aggregate principal amount of notes.
The notes will be senior, unsecured obligations of Kimco OP, will accrue interest payable semi-annually in arrears and will mature on June 15, 2031, unless earlier repurchased, redeemed or exchanged. Noteholders will have the right to exchange their notes in certain circumstances and during specified periods. Kimco OP will settle exchanges in cash and, if applicable, shares of Kimco’s common stock.
The notes will be redeemable, in whole or in part (subject to certain limitations), for cash at Kimco OP’s option at any time, and from time to time, on or after June 20, 2029 and on or before the 25th scheduled trading day immediately before the maturity date, but only if the last reported sale price per share of Kimco’s common stock exceeds 130% of the exchange price for a specified period of time and certain other conditions are satisfied. In addition, the notes will be redeemable, in whole or in part (subject to certain limitations), at Kimco OP’s option at any time to the extent necessary to preserve Kimco’s status as a real estate investment trust for U.S. federal income tax purposes, so long as certain conditions are satisfied. The redemption price will be equal to the principal amount of the notes to be redeemed, plus accrued and unpaid interest, if any, to, but excluding, the redemption date.
If certain corporate events that constitute a “fundamental change” occur, then, subject to a limited exception, noteholders may require Kimco OP to repurchase their notes for cash. The repurchase price will be equal to the principal amount of the notes to be repurchased, plus accrued and unpaid interest, if any, to, but excluding, the applicable repurchase date.
The notes will be entitled to the benefits of a registration rights agreement pursuant to which Kimco will agree to register, under the Securities Act, the resale of the shares of Kimco’s common stock, if any, issuable upon exchange of the notes within specified time periods and subject to certain limitations.
The interest rate, initial exchange rate and other terms of the notes will be determined at the pricing of the offering.
Kimco OP intends to use up to approximately $125.0 million of the net proceeds from this offering to repurchase shares of Kimco’s common stock concurrently with the pricing of this offering in privately negotiated transactions effected through one of the initial purchasers or its affiliate, as Kimco OP’s agent. Kimco OP intends to use the remainder of the net proceeds for general corporate purposes, including, but not limited to, the redemption or repayment of indebtedness and funding for suitable acquisition, investment and redevelopment opportunities.
The offer and sale of the notes, the guarantee and any shares of Kimco’s common stock issuable upon exchange of the notes have not been registered under the Securities Act or any other securities laws, and the notes and any such shares cannot be offered or sold except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and any other applicable securities laws. Although Kimco OP and Kimco intend to enter into a registration rights agreement pursuant to which Kimco will agree to register, under the Securities Act, the resale of the shares of Kimco’s common stock, if any, issuable upon exchange of the notes, the registration rights agreement will contain significant limitations, and a resale registration statement may not be available at the time investors wish to resell the shares of Kimco’s common stock, if any, issuable upon exchange of their notes. This press release does not constitute an offer to sell, or the solicitation of an offer to buy, the notes or any shares of Kimco’s common stock issuable upon exchange of the notes, nor will there be any sale of the notes or any such shares, in any state or other jurisdiction in which such offer, sale or solicitation would be unlawful.
About Kimco Realty®
Kimco Realty® (NYSE: KIM) is a real estate investment trust (REIT) and leading owner and operator of high-quality, open-air, grocery-anchored shopping centers and mixed-use properties in the United States. The company’s portfolio is strategically concentrated in the first-ring suburbs of the top major metropolitan markets, including high-barrier-to-entry coastal markets and Sun Belt cities. Its tenant mix is focused on essential, necessity-based goods and services that drive multiple shopping trips per week. Publicly traded on the NYSE since 1991 and included in the S&P 500 Index, the company has specialized in shopping center ownership, management, acquisitions, and value-enhancing redevelopment activities for more than 65 years. With a proven commitment to corporate responsibility, Kimco Realty is a recognized industry leader in this area. As of March 31, 2026, the company owned interests in 565 U.S. shopping centers and mixed-use assets comprising 100 million square feet of gross leasable space.
Safe Harbor Statement
This press release includes forward-looking statements, including statements regarding the anticipated terms of the notes being offered, the completion, timing and size of the proposed offering and the intended use of the proceeds. Forward-looking statements represent Kimco’s current expectations regarding future events and are subject to known and unknown risks and uncertainties that could cause actual results to differ materially from those implied by the forward-looking statements. Among those risks and uncertainties are market conditions, including market interest rates, the trading price and volatility of Kimco’s common stock and risks relating to Kimco’s business, including those described in periodic reports that Kimco OP files from time to time with the SEC. Kimco OP may not consummate the proposed offering described in this press release and, if the proposed offering is consummated, cannot provide any assurances regarding the final terms of the offering or the notes or its ability to effectively apply the net proceeds as described above. The forward-looking statements included in this press release speak only as of the date of this press release, and neither Kimco nor Kimco OP undertakes to update the statements included in this press release for subsequent developments, except as may be required by law.
CONTACT:
David F. Bujnicki
Senior Vice President, Investor Relations and Strategy
Kimco Realty Corporation
(833) 800-4343 [email protected]
June 11, 2026 06:50 ET | Source: Kimco Realty Corporation
JERICHO, N.Y., June 11, 2026 (GLOBE NEWSWIRE) -- Kimco Realty® (NYSE: KIM) today announced that its operating subsidiary, Kimco Realty OP, LLC (“Kimco OP”), priced its offering of $525,000,000 aggregate principal amount of 3.50% exchangeable senior notes due 2031 (the “notes”) in a private offering to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”). The offering size was increased from the previously announced offering size of $500,000,000 aggregate principal amount of notes. Kimco Realty Corporation (“Kimco”) will fully and unconditionally guarantee the notes on a senior, unsecured basis. The issuance and sale of the notes are scheduled to settle on June 15, 2026, subject to customary closing conditions. Kimco OP also granted the initial purchasers of the notes an option to purchase, for settlement within a period of 13 days from, and including, the date the notes are first issued, up to an additional $75,000,000 principal amount of notes.
The notes will be senior, unsecured obligations of Kimco OP and will accrue interest at a rate of 3.50% per annum, payable semi-annually in arrears on June 15 and December 15 of each year, beginning on December 15, 2026. The notes will mature on June 15, 2031, unless earlier repurchased, redeemed or exchanged. Before March 17, 2031, noteholders will have the right to exchange their notes only upon the occurrence of certain events. From and after March 17, 2031, noteholders may exchange their notes at any time at their election until the close of business on the second scheduled trading day immediately before the maturity date. Kimco OP will settle exchanges in cash and, if applicable, shares of Kimco’s common stock. The initial exchange rate is 30.9028 shares of Kimco’s common stock per $1,000 principal amount of notes, which represents an initial exchange price of approximately $32.36 per share of Kimco’s common stock. The initial exchange price represents a premium of approximately 27.5% over the last reported sale price of $25.38 per share of Kimco’s common stock on June 10, 2026. The exchange rate and exchange price will be subject to adjustment upon the occurrence of certain events.
The notes will be redeemable, in whole or in part (subject to certain limitations), for cash at Kimco OP’s option at any time, and from time to time, on or after June 20, 2029 and on or before the 25th scheduled trading day immediately before the maturity date, but only if the last reported sale price per share of Kimco’s common stock exceeds 130% of the exchange price for a specified period of time and certain other conditions are satisfied. In addition, the notes will be redeemable, in whole or in part (subject to certain limitations), at Kimco OP’s option at any time to the extent necessary to preserve Kimco’s status as a real estate investment trust for U.S. federal income tax purposes, so long as certain conditions are satisfied. The redemption price will be equal to the principal amount of the notes to be redeemed, plus accrued and unpaid interest, if any, to, but excluding, the redemption date.
If a “fundamental change” (as defined in the indenture for the notes) occurs, then, subject to a limited exception, noteholders may require Kimco OP to repurchase their notes for cash. The repurchase price will be equal to the principal amount of the notes to be repurchased, plus accrued and unpaid interest, if any, to, but excluding, the applicable repurchase date.
The notes will be entitled to the benefits of a registration rights agreement pursuant to which Kimco will agree to register, under the Securities Act, the resale of the shares of Kimco’s common stock, if any, issuable upon exchange of the notes within specified time periods and subject to certain limitations.
Kimco OP estimates that the net proceeds from the offering will be approximately $513.5 million (or approximately $587.0 million if the initial purchasers fully exercise their option to purchase additional notes), after deducting the initial purchasers’ discounts and commissions and Kimco OP’s estimated offering expenses. Kimco OP intends to use approximately $104.7 million of the net proceeds to repurchase 4,125,900 shares of Kimco’s common stock concurrently with the pricing of this offering in privately negotiated transactions effected through one of the initial purchasers or its affiliate, as Kimco OP’s agent. Kimco OP intends to use the remainder of the net proceeds for general corporate purposes, including, but not limited to, the redemption or repayment of indebtedness and funding for suitable acquisition, investment and redevelopment opportunities.
The offer and sale of the notes, the guarantee and any shares of Kimco’s common stock issuable upon exchange of the notes have not been registered under the Securities Act or any other securities laws, and the notes and any such shares cannot be offered or sold except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and any other applicable securities laws. Although Kimco OP and Kimco will enter into a registration rights agreement pursuant to which Kimco will agree to register, under the Securities Act, the resale of the shares of Kimco’s common stock, if any, issuable upon exchange of the notes, the registration rights agreement will contain significant limitations, and a resale registration statement may not be available at the time investors wish to resell the shares of Kimco’s common stock, if any, issuable upon exchange of their notes. This press release does not constitute an offer to sell, or the solicitation of an offer to buy, the notes or any shares of Kimco’s common stock issuable upon exchange of the notes, nor will there be any sale of the notes or any such shares, in any state or other jurisdiction in which such offer, sale or solicitation would be unlawful.
About Kimco Realty®
Kimco Realty® (NYSE: KIM) is a real estate investment trust (REIT) and leading owner and operator of high-quality, open-air, grocery-anchored shopping centers and mixed-use properties in the United States. The company’s portfolio is strategically concentrated in the first-ring suburbs of the top major metropolitan markets, including high-barrier-to-entry coastal markets and Sun Belt cities. Its tenant mix is focused on essential, necessity-based goods and services that drive multiple shopping trips per week. Publicly traded on the NYSE since 1991 and included in the S&P 500 Index, the company has specialized in shopping center ownership, management, acquisitions, and value-enhancing redevelopment activities for more than 65 years. With a proven commitment to corporate responsibility, Kimco Realty is a recognized industry leader in this area. As of March 31, 2026, the company owned interests in 565 U.S. shopping centers and mixed-use assets comprising 100 million square feet of gross leasable space.
Forward-Looking Statements
This press release includes forward-looking statements, including statements regarding the completion of the offering and the expected amount and intended use of the net proceeds. Forward-looking statements represent Kimco’s current expectations regarding future events and are subject to known and unknown risks and uncertainties that could cause actual results to differ materially from those implied by the forward-looking statements. Among those risks and uncertainties are market conditions, the satisfaction of the closing conditions related to the offering and risks relating to Kimco’s business, including those described in periodic reports that Kimco OP files from time to time with the SEC. Kimco OP may not consummate the offering described in this press release and, if the offering is consummated, cannot provide any assurances regarding its ability to effectively apply the net proceeds as described above. The forward-looking statements included in this press release speak only as of the date of this press release, and neither Kimco nor Kimco OP undertakes to update the statements included in this press release for subsequent developments, except as may be required by law.
CONTACT:
David F. Bujnicki
Senior Vice President, Investor Relations and Strategy
Kimco Realty Corporation
(833) 800-4343 [email protected]
Key Takeaways FITB shifts listing from Nasdaq to NYSE after the Comerica merger, becoming the 9th-largest U.S. bank.FITB's strategy centers on scaling via acquisitions, and expanding fee-based earnings and reach.FITB's NYSE move aims to boost visibility for institutional investors and improve trading quality. Fifth Third Bancorp’s (FITB - Free Report) long-term goal is to evolve from a traditional regional lender into a larger, more diversified national banking institution with stronger fee-based earnings, broader geographic reach and improved competitiveness against the biggest U.S. banks.
A key part of that strategy is scaling up through acquisitions, strengthening presence in high-growth markets and reducing the reliance on purely regional exposure. The company’s recent strategic move involving its merger with Comerica significantly reshaped its footprint and market positioning. Following the completion of the deal, Fifth Third became the ninth-largest U.S. bank.
Against this backdrop of expanded scale, Fifth Third is now shifting its stock listing from Nasdaq to the New York Stock Exchange (“NYSE”). The move is expected to take place in mid-June and is designed to better align the company’s public-market identity with its new size and structure after the merger.
The NYSE is generally associated with large-cap financial institutions, and the listing change appears aimed at increasing visibility among institutional investors while reinforcing the message that Fifth Third has moved beyond a purely regional banking profile. Importantly, the transfer is largely symbolic in terms of operations, but it can influence how the market perceives the bank’s scale, stability and long-term trajectory.
There may also be modest trading advantages. The NYSE’s market structure is designed to support liquidity and price discovery, particularly during periods of volatility. For a large bank like FITB, which had assets of $297 billion as of March 31, 2026, these benefits may not be dramatic, but they could still improve trading quality over time.
Overall, the move reflects Fifth Third’s effort to align its stock-market presence with its larger post-merger identity. As the bank integrates Comerica and works to deliver on promised growth and efficiency gains, its shift to the NYSE underscores management’s focus on scale, visibility and long-term shareholder value.
FITB’s Peer ContextFITB peers Huntington Bancshares (HBAN - Free Report) and Citizens Financial (CFG - Free Report) are among the top 20 largest U.S banks.
With total assets of $285.4 billion as of March 31, 2026, Huntington Bancshares provides a comprehensive suite of banking, payments, wealth management, and risk management products and services.
Citizens Financial, with $227.9 billion in total assets as of March 31, 2026, offers retail and commercial banking products and services to individuals, institutions and companies.
FITB’s Price Performance & Zacks RankIn the past six months, Fifth Third’s shares have gained 8.1% compared with the industry’s growth of 12.2%.
Image Source: Zacks Investment Research
Currently, the company carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
On June 02, 2026, Fifth Third Bancorp FITB shares rose 3.6% today, bringing the current price to $50.31. The stock has traded between $37.29 and $55.44 over the past year, reflecting both volatility and growth. The recent price increase follows a year of significant performance, with a 36.9% rise over the past year and an 8.4% increase year-to-date.
GF Value™ verdict: Current price of $50.31 is 10.9% above GF Value™ of $45.37.GF Score™: 68/100, indicating an above-average potential for long-term returns.Notable signal: Insiders have sold $1.3 million worth of shares in the last three months, indicating a lack of buying interest. Is FITB Overvalued or Undervalued? According to the GF Value™, Fifth Third Bancorp is currently overvalued, with a market price of $50.31 compared to its estimated fair value of $45.37. This represents a 10.9% premium over its intrinsic value, suggesting that the stock may not provide a sufficient margin of safety for new investors. The GF Valuation label indicates that FITB is modestly overvalued, which raises concerns regarding potential downside risk for investors entering at this price point.
GF Value™ is GuruFocus' proprietary measure of intrinsic value, calculated from historical trading multiples, past business growth, and future performance estimates. The overvaluation could lead to price corrections if the market adjusts to align with the estimated fair value, presenting a risk for those considering a position in the stock at its current price.
How Does FITB's Valuation Compare to Its History? Metric Current Historical P/E (TTM) 16.9x 11.7x (5-Year Median) Forward P/E 12.9x N/A The current price-to-earnings (P/E) ratio of 16.9x is significantly higher than its 5-year median P/E of 11.7x, representing a 44% increase. This analysis indicates that FITB is trading above its historical valuation levels, which aligns with the GF Value™ verdict of being overvalued. Given these metrics, investors may want to consider the elevated P/E ratio as an indication that current pricing may not fully reflect the company's fundamental performance.
What Does FITB's GF Score™ Tell Us? Metric Rating GF Score™ 68 Financial Strength 2/10 Profitability 4/10 Growth 6/10 Valuation 7/10 Momentum 8/10 The GF Score™ of 68/100 suggests that Fifth Third Bancorp has an above-average potential for long-term returns. However, the scores reveal a mixed picture; the company demonstrates weaknesses in financial strength (2/10), which raises concerns about its stability, while it shows stronger momentum (8/10) and valuation (7/10) rankings. This combination indicates that while there may be growth potential, the underlying financial health of the company should be a key consideration for potential investors.
What Are Insiders Doing with FITB Stock? In the past three months, insiders have sold a total of $1.3 million worth of Fifth Third Bancorp shares, with no reported insider buying during this period. This trend of selling might suggest a lack of confidence among insiders about the stock's future performance or a strategic decision to realize gains. The absence of buying activity further emphasizes caution, as insider purchases are often viewed as a positive signal regarding a company's prospects.
What This Means for Investors Based on the GF Value™ assessment, Fifth Third Bancorp is currently deemed overvalued. The current price of $50.31 is 10.9% above its estimated fair value of $45.37, suggesting that potential investors may want to reassess their positions or wait for a more favorable entry point. The combination of insider selling and a high P/E ratio adds further weight to the caution surrounding this stock.
For the complete analysis, visit the Fifth Third Bancorp FITB 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 FITB's GF Score™?
The GF Score™ for Fifth Third Bancorp is 68/100, indicating an above-average potential for long-term returns based on its evaluation metrics.
Is FITB overvalued or undervalued?
Fifth Third Bancorp is currently overvalued, with a market price of $50.31 being 10.9% above its GF Value™ of $45.37.
What is FITB's P/E ratio?
The current P/E ratio for Fifth Third Bancorp is 16.9x, which is 44% higher than its 5-year median P/E of 11.7x, indicating that the stock is trading above its historical valuation levels.
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].
Key Takeaways FITB CET1 ratio of 9.96% supports capital returns above regulatory requirements.FITB raised its quarterly dividend 8.1% to 40 cents, marking five hikes in five years.FITB has 93.1M shares remaining under its 100M buyback authorization as of March 2026. Fifth Third Bancorp (FITB - Free Report) maintains a shareholder-friendly capital distribution approach, supported by a strong capital position and ample liquidity. As of March 31, 2026, the company's common equity tier 1 (CET1) ratio was 9.96%, reflecting a solid capital position that supports shareholder returns while maintaining a comfortable buffer above regulatory requirements.
The company continues to deliver consistent dividend payouts. In September 2025, it announced an 8.1% increase in its quarterly dividend to 40 cents per share. Further, FITB has raised its dividend five times over the past five years, reflecting management's confidence in the company's earnings strength and long-term growth prospects. Currently, Fifth Third's dividend yield is 3.18%, higher than the industry's 2.91%, while its payout ratio stands at 43%.
Dividend Yield
Image Source: Zacks Investment Research
Apart from dividends, the company also has a share repurchase plan in place. In June 2025, Fifth Third's board of directors authorized the repurchase of up to 100 million shares of common stock. As of March 31, 2026, approximately 93.1 million shares remained available under the authorization. Although buybacks were temporarily paused following the Comerica acquisition, management continues to expect a return to regular quarterly share repurchases in the second half of 2026 as integration efforts advance.
As of March 31, 2026, Fifth Third had total debt (including long-term debt and other short-term borrowings) of $20 billion, while total liquidity, comprising cash and due from banks and other short-term investments, was $21.5 billion. In addition, the company's investment-grade senior debt ratings of A3, A- and A- from Moody's, Standard & Poor's and Fitch, respectively, facilitate easy access to the debt market at favorable rates. These ratings indicate a strong financial position with low credit risk and reinforce the company's ability to meet its debt obligations even during challenging economic conditions.
Thus, given its strong capital position, ample liquidity and shareholder-friendly capital deployment strategy, Fifth Third appears well-positioned to sustain capital distributions in the future, thereby continuing to enhance shareholder value.
How Is FITB Placed in Capital Returns Compared With Peers?Fifth Third’s two close peers are Northern Trust (NTRS - Free Report) and M&T Bank (MTB - Free Report) .
Northern Trust’s capital distribution activities seem impressive. After clearing the Federal Reserve’s 2025 stress test, the company raised its dividend 6.7% to 80 cents per share. Over the years, it has maintained a steady approach toward shareholder returns, supported by consistent capital management.
Northern Trust also has a share repurchase plan in place. In October 2021, the company announced a 25-million share repurchase program with no expiration date. As of March 31, 2026, 1.64 million shares were available under the authorization. Management expects to maintain a similar level of share repurchase activity in the upcoming quarters, reflecting its commitment to returning capital to shareholders.
M&T Bank has come a long way in demonstrating capital strength through steady shareholder returns. The company cleared the Federal Reserve’s 2025 stress test, reinforcing its ability to sustain capital distributions. In August 2025, M&T Bank increased its quarterly dividend by 11.1% to $1.50 per share.
The company also continues to focus on share repurchases. In March 2026, the board approved a new share repurchase program of up to $5 billion of common stock. As of March 31, 2026, nearly $90 million remained available under the earlier authorization. Supported by a strong liquidity profile and consistent performance, M&T Bank’s capital distribution strategy appears sustainable.
FITB’s Price Performance & Zacks RankOver the past six months, shares of Fifth Third have gained 10.7% compared with the industry’s 11.5% growth.
Price Performance
Image Source: Zacks Investment Research
Currently, FITB carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
New banking experience combines digital lending, faster payments, and local banker support to help business owners reduce friction and grow with confidence
CINCINNATI--(BUSINESS WIRE)--Fifth Third (NASDAQ: FITB) today introduced Fifth Third for Business, a small business banking experience designed to help owners manage cash flow, get paid faster, and access capital with greater speed and confidence. The experience is rolling out to more than 240,000 small business customers.
“Running a small business today requires speed, simplicity, and confidence in your financial tools,” said Ben Mendelsohn, senior vice president and director of Consumer and Small Business Products at Fifth Third. “With Fifth Third for Business, we’re giving owners a more efficient way to move money, lower costs, and secure capital quickly, while pairing modern digital capabilities with the support of local bankers who understand their businesses.”
The launch reflects Fifth Third’s broader strategy to scale modern banking capabilities across its consumer and small business franchise, combining the speed and simplicity of digital tools with the strength, stability, and expertise of an established bank.
Introducing Fifth Third for Business
Fifth Third for Business integrates banking, payments, and lending capabilities into one small business experience to help entrepreneurs spend less time managing financial tasks and more time serving their customers. Delivered digitally and supported by a growing network of local branch bankers, benefits include:
Early Pay1: Access eligible deposits up to two days early—such as merchant processing deposits and payments from local, state, and federal governments—and tax refunds up to five days early, at no cost. Extra Time2: Get until midnight ET the next business day to make a deposit and help avoid overdraft fees. Digital Lending: Apply for financing for working capital, inventory, or equipment needs in as little as one hour. The capability is built on Fifth Third’s homegrown business‑lending platform—the same modern technology stack that powers Provide. Zelle®: With Zelle, used by 7.7 million enrolled small businesses, enrolled small business owners can get paid typically in minutes by enrolled customers, shortening the payment cycle and simplifying day-to-day money management. Small businesses are the fastest growing segment on the Zelle network, accounting for nearly 30% of the more than $1.2 trillion in Zelle payments last year. Tap-to-Pay: Fifth Third now enables merchants to accept tap‑to‑pay transactions directly on a smartphone—anytime, anywhere. Via the Worldpay Commerce360 app, businesses can accept contactless debit and credit cards, as well as Apple Pay, Google Pay, and other leading digital wallets, on compatible iPhone and Android devices. Fifth Third offers three business checking tiers: Business Checking, Premium Business Checking, and Elite Business Checking. Early Pay and Extra Time benefits are available with Fifth Third Premium and Elite Business Checking accounts.
Fifth Third acquired Provide in 2021, adding a digital lending platform with deep experience in healthcare practice finance. In 2024, Fifth Third expanded Provide's proprietary technology beyond healthcare to power SBA 7(a) loan origination. Now, with the launch of Fifth Third for Business, that same platform supports streamlined digital lending for small business customers across the Bank's footprint, with approvals for up to $100,000 in financing in as little as one hour.
“Small business owners need capital that moves at the speed of their business,” said Andrew Bennett, head of Small Business at Fifth Third. “By bringing Provide’s digital lending platform to more Fifth Third customers, we’re reducing paperwork, accelerating decisions, and giving owners more certainty when they need to invest in inventory, equipment, or growth.”
Built for Small Businesses—and Backed by a 168‑Year‑Old Bank
Fifth Third combines the speed and simplicity business owners expect from modern financial technology with the strength, stability, and local expertise of a national bank embedded in its communities. The Bank continues to expand its branch network in high‑growth markets, with branch teams and spaces designed to support deeper financial conversations with business owners.
Fifth Third also invests directly in small business growth through the Fifth Third Small Business Catalyst Fund. In 2025, the Bank awarded $5,300 grants to nearly 50 small businesses across the U.S., the first awards from a $7.85 million fund launched in partnership with Community Reinvestment Fund, USA—broadening financial access, fueling job creation, and supporting a more equitable small business ecosystem.
“Managing cash flow is a leading concern for small business owners—and we meet that need head-on with multiple solutions to get paid quickly. Whether you’re a farmer using Zelle to sell produce at a local farmer’s market, a cafe getting your card payments deposited with Early Pay, or a machine tool shop that needs to finance a large order, we’re designing for real-world moments,” Mendelsohn added. “That’s how owners save time and help build confidence to focus on customers and growth.”
What’s Next
Fifth Third will continue to modernize the small business experience with enhanced digital origination, more seamless online and mobile banking connections between personal and business profiles, and a modern authentication and login experience—laying the groundwork for deeper product integrations throughout 2028.
Visit 53.com/business or speak with a Fifth Third small business banker to get started.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com. Deposit and credit products provided by Fifth Third Bank, National Association. Member FDIC.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Fifth Third Bank, National Association may refer customers to Worldpay for merchant services. Compensation for such referrals may be paid by Worldpay to Fifth Third if the referral results in new business for Worldpay. The amount of any referral fee paid for received services will not affect the fees paid or payable by you.
1 Early Pay: Early Pay is a fee-free feature available for Fifth Third Business Premium Checking and Fifth Third Business Elite Checking. Early Pay grants you access to your eligible ACH payments up to two days prior to the scheduled payment date. Federal tax refunds may be received from the Internal Revenue Service up to five days before the scheduled payment date. Early access to funds is dependent on submission of direct deposit by payer and standard fraud prevention restrictions.
2 Extra Time: Fifth Third Extra Time® is a fee-free feature available for Fifth Third Business Premium Checking and Fifth Third Business Elite Checking. Fifth Third Extra Time® gives you longer—anytime before midnight ET on the business day after your account is overdrawn—to make a deposit that brings your available balance to at least $0. You must deposit enough to cover all items that caused your overdraft plus any outstanding checks, automatic payments, or pending debit card purchases that may be presented that business day. Extra Time does not apply to items that are returned unpaid.
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52-Week Range$37.86▼
$55.44Dividend Yield2.93%
P/E Ratio18.35
Price Target$57.29
Fifth Third Bancorp NASDAQ: FITB is entering a new chapter.
Having completed its merger with Comerica in the first quarter this year, Fifth Third is now among the top 10 U.S. banks by assets, with roughly $297 billion on its balance sheet. The transformation, still in the integration phase, is making Fifth Third into a fundamentally larger, more complex, and potentially more rewarding story than it was before.
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The story is a bit complicated, but analysts like what they see.
Comerica Dramatically Expands Fifth Third’s ReachTo appreciate where Fifth Third is today, it’s important to know what Comerica brought to the table. When the merger closed in February, Fifth Third absorbed $86 billion in assets, $51 billion in loans, and $65 billion in deposits in a single transaction.
The Cincinnati-based bank also inherited Comerica’s substantial Texas presence as well as its offices in 15 states and offerings in Canada and Mexico. With its roots in Michigan, Comerica is now based in Dallas, where it has grown its footprint in the Southwest over recent years. Overnight, through the nearly $11 billion purchase, Fifth Third gained scale, geography, and a customer base it would have taken years to build organically.
Comerica’s customer mix also boosted Fifth Third’s funding profile. The share of demand deposits, prized by banks for their low cost and stability, rose from 25% of total deposits to 28% after the merger. That increase can translate into better margins and more predictable earnings.
Merger Costs Mask Strong Underlying PerformanceGiven the new acquisition, Fifth Third’s first-quarter earnings report requires careful reading. The headline number was perhaps alarming: Net income fell to $128 million from $478 million a year earlier. GAAP earnings per share were 15 cents, down sharply from $1.04 in the fourth quarter and 71 cents a year earlier. But factor in the $567 million in merger-related costs, and results were dragged down by a net 68 cents per share.
Other numbers, as previously anticipated, were decidedly positive. Net interest income, or the difference between what it earns on loans and what it pays on deposits, rose to $1.94 billion in the quarter, up from $1.4 billion a year earlier. Noninterest income climbed 29% to $895 million from $694 million in the year-ago period. And the bank’s net interest margin expanded 27 basis points to 3.3% from a year earlier. Tangible book value per share grew 15% year-over-year to $22.88.
Organic Growth Remains Strong Across the FranchiseAnother detail deserves attention. Fifth Third was growing even before the Comerica deal made the numbers jump. Consumer household growth in the legacy franchise came in at 3% YOY, with 8% growth in the highly desirable and competitive Southeast. Fee revenue grew 30% YOY, and the company reported $2.7 billion in new deposit flows. Now, even with some branch closures expected out of the previously combined total of 1,489 branches, that growth is likely to continue.
Wall Street Expects Integration Benefits to Drive ResultsWall Street is strongly supportive. Of the 21 analysts following the company, 17 have a Buy rating with several listing the stock as an overweight or outperform. Four analysts suggest Hold, and overall, the company is rated as a Moderate Buy, with an average price target of $57.19, or nearly 15% above current trading value.
Current Price$54.59High Forecast$63.00Average Forecast$57.29Low Forecast$53.00Fifth Third Bancorp Stock Forecast Details
The company is further anticipating $360 million of net cost savings this year with an $850 million run rate savings by the end of fourth quarter as the integration takes hold. For the full year, management is expecting net interest income to come in between $8.7 billion and $8.8 billion, compared with pre-merger results of $6 billion last year. Guidance for non-interest income is between $4 billion and $4.2 billion, compared with about $3 billion in 2025.
For investors looking at income in addition to the merger story, Fifth Third currently offers a dividend at a quarterly rate of 40 cents, up from 37 cents a year ago, representing a dividend yield of approximately 3.2%. It’s not the highest yield in the financial sector, but a respectable payout backed by a net tangible common equity ratio of 7.3%.
Execution Will Determine Long-Term ValueOf course, even the best mergers with banks of this size involve risk. Technology failures, customer attrition, unexpected credit issues in the acquired portfolio, and talent turnover are always possibilities.
The valuation also matters. With shares reaching $50, and a consensus target below $60, Fifth Third is already priced for growth and as a bank expected to execute well. As such, this year’s performance is critical.
Still, the underlying trends tell an encouraging story. Put aside the complication of merger results and there appears a well-run bank executing on a well-reasoned strategy. If management can prove themselves right, Fifth Third is a solid bank candidate for a portfolio.
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Fifth Third (NASDAQ: FITB) today introduced Fifth Third for Business, a small business banking experience designed to help owners manage cash flow, get paid faster, and access capital with greater speed and confidence. The experience is rolling out to more than 240,000 small business customers.
This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20260604864014/en/
Fifth Third for Business helps small businesses get paid faster, manage cash flow, and access capital.
“Running a small business today requires speed, simplicity, and confidence in your financial tools,” said Ben Mendelsohn, senior vice president and director of Consumer and Small Business Products at Fifth Third. “With Fifth Third for Business, we’re giving owners a more efficient way to move money, lower costs, and secure capital quickly, while pairing modern digital capabilities with the support of local bankers who understand their businesses.”
The launch reflects Fifth Third’s broader strategy to scale modern banking capabilities across its consumer and small business franchise, combining the speed and simplicity of digital tools with the strength, stability, and expertise of an established bank.
Introducing Fifth Third for Business
Fifth Third for Business integrates banking, payments, and lending capabilities into one small business experience to help entrepreneurs spend less time managing financial tasks and more time serving their customers. Delivered digitally and supported by a growing network of local branch bankers, benefits include:
Early Pay1: Access eligible deposits up to two days early—such as merchant processing deposits and payments from local, state, and federal governments—and tax refunds up to five days early, at no cost. Extra Time2: Get until midnight ET the next business day to make a deposit and help avoid overdraft fees. Digital Lending: Apply for financing for working capital, inventory, or equipment needs in as little as one hour. The capability is built on Fifth Third’s homegrown business‑lending platform—the same modern technology stack that powers Provide. Zelle®: With Zelle, used by 7.7 million enrolled small businesses, enrolled small business owners can get paid typically in minutes by enrolled customers, shortening the payment cycle and simplifying day-to-day money management. Small businesses are the fastest growing segment on the Zelle network, accounting for nearly 30% of the more than $1.2 trillion in Zelle payments last year. Tap-to-Pay: Fifth Third now enables merchants to accept tap‑to‑pay transactions directly on a smartphone—anytime, anywhere. Via the Worldpay Commerce360 app, businesses can accept contactless debit and credit cards, as well as Apple Pay, Google Pay, and other leading digital wallets, on compatible iPhone and Android devices. Fifth Third offers three business checking tiers: Business Checking, Premium Business Checking, and Elite Business Checking. Early Pay and Extra Time benefits are available with Fifth Third Premium and Elite Business Checking accounts.
Fifth Third acquired Provide in 2021, adding a digital lending platform with deep experience in healthcare practice finance. In 2024, Fifth Third expanded Provide's proprietary technology beyond healthcare to power SBA 7(a) loan origination. Now, with the launch of Fifth Third for Business, that same platform supports streamlined digital lending for small business customers across the Bank's footprint, with approvals for up to $100,000 in financing in as little as one hour.
“Small business owners need capital that moves at the speed of their business,” said Andrew Bennett, head of Small Business at Fifth Third. “By bringing Provide’s digital lending platform to more Fifth Third customers, we’re reducing paperwork, accelerating decisions, and giving owners more certainty when they need to invest in inventory, equipment, or growth.”
Built for Small Businesses—and Backed by a 168‑Year‑Old Bank
Fifth Third combines the speed and simplicity business owners expect from modern financial technology with the strength, stability, and local expertise of a national bank embedded in its communities. The Bank continues to expand its branch network in high‑growth markets, with branch teams and spaces designed to support deeper financial conversations with business owners.
Fifth Third also invests directly in small business growth through the Fifth Third Small Business Catalyst Fund. In 2025, the Bank awarded $5,300 grants to nearly 50 small businesses across the U.S., the first awards from a $7.85 million fund launched in partnership with Community Reinvestment Fund, USA—broadening financial access, fueling job creation, and supporting a more equitable small business ecosystem.
“Managing cash flow is a leading concern for small business owners—and we meet that need head-on with multiple solutions to get paid quickly. Whether you’re a farmer using Zelle to sell produce at a local farmer’s market, a cafe getting your card payments deposited with Early Pay, or a machine tool shop that needs to finance a large order, we’re designing for real-world moments,” Mendelsohn added. “That’s how owners save time and help build confidence to focus on customers and growth.”
What’s Next
Fifth Third will continue to modernize the small business experience with enhanced digital origination, more seamless online and mobile banking connections between personal and business profiles, and a modern authentication and login experience—laying the groundwork for deeper product integrations throughout 2028.
Visit 53.com/business or speak with a Fifth Third small business banker to get started.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com. Deposit and credit products provided by Fifth Third Bank, National Association. Member FDIC.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Fifth Third Bank, National Association may refer customers to Worldpay for merchant services. Compensation for such referrals may be paid by Worldpay to Fifth Third if the referral results in new business for Worldpay. The amount of any referral fee paid for received services will not affect the fees paid or payable by you.
1 Early Pay: Early Pay is a fee-free feature available for Fifth Third Business Premium Checking and Fifth Third Business Elite Checking. Early Pay grants you access to your eligible ACH payments up to two days prior to the scheduled payment date. Federal tax refunds may be received from the Internal Revenue Service up to five days before the scheduled payment date. Early access to funds is dependent on submission of direct deposit by payer and standard fraud prevention restrictions.
2 Extra Time: Fifth Third Extra Time® is a fee-free feature available for Fifth Third Business Premium Checking and Fifth Third Business Elite Checking. Fifth Third Extra Time® gives you longer—anytime before midnight ET on the business day after your account is overdrawn—to make a deposit that brings your available balance to at least $0. You must deposit enough to cover all items that caused your overdraft plus any outstanding checks, automatic payments, or pending debit card purchases that may be presented that business day. Extra Time does not apply to items that are returned unpaid.
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View source version on businesswire.com: https://www.businesswire.com/news/home/20260604864014/en/
CINCINNATI--(BUSINESS WIRE)--Fifth Third Private Bank, a division of Fifth Third Bank (Nasdaq: FITB), was named Best Private Bank for High Net Worth Clients by The Digital Banker and Global Private Banker as part of the Global Private Banking Innovation Awards, marking its fifth consecutive year receiving this recognition. The Private Bank was also named Best Private Bank for Client Experience – USA.
“We are honored by this recognition and appreciate the trust our clients continue to place in us. It is a privilege to serve as a trusted advisor and to help shape the path toward their most meaningful ambitions,” said Peter Sefzik, head of Wealth and Asset Management, Fifth Third Bank.
Global Private Banker award judges provided the following comments: “Fifth Third Private Bank distinguishes itself through a deeply personalized, strategy-led model that embeds a complimentary, tailored wealth plan at the core of every high-net-worth client relationship, delivered by highly credentialed local teams and enhanced by advanced digital capabilities.”
“This award reflects the confidence our clients place in us and the enduring relationships we are privileged to build. Our team is dedicated to delivering the ultimate experience, with tailored strategies designed to preserve and grow wealth across generations and market environments,” said Christopher Keller, managing director, National Private Bank, Fifth Third Bank.
Awards judges also noted: “… the introduction of specialized Client Service Teams—has strengthened scalability, improved efficiency, and enabled advisors to focus on proactive, high-value guidance. These strengths translate into exceptional client outcomes, evidenced by a leading Net Promoter Score of 75, rising satisfaction and loyalty metrics, strong financial performance, and industry recognition for excellence in client experience.”
Earlier this year, Fifth Third closed its merger with Comerica Incorporated to create the ninth-largest U.S. bank. The combined company includes the $1 billion recurring and high-return fee Wealth and Asset Management business line, inclusive of Fifth Third Private Bank.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank, and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com.
Fifth Third has introduced a small business banking experience that combines digital lending, faster payments and local banker support.
The bank is rolling out the new Fifth Third for Business to more than 240,000 small business customers, it said in a Thursday (June 4) press release.
Fifth Third for Business offers Early Pay that provides access to eligible deposits up to two days early and tax refunds up to five days early; Extra Time that gives owners until midnight ET the next day to make a deposit and avoid overdraft fees; and digital lending that allows owners to apply for financing in as little as one hour.
The new banking experience also enables small businesses to get paid with Zelle, which typically shortens the payment cycle to minutes, and to accept tap-to-pay transactions directly on a smartphone, anytime and anywhere.
“With Fifth Third for Business, we’re giving owners a more efficient way to move money, lower costs and secure capital quickly, while pairing modern digital capabilities with the support of local bankers who understand their business,” Ben Mendelsohn, senior vice president and director of consumer and small business products at Fifth Third, said in the release.
Fifth Third said in February that it became the ninth-largest U.S. bank when it closed its merger with Comerica. At that time, the bank had $294 billion in assets and operated in 17 of the 20 fastest-growing large markets in the country, including key regions in the Midwest, Southeast, Texas and California.
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“This combination marks a pivotal moment for Fifth Third as we accelerate our strategy to build density in high-growth markets and deepen our commercial capabilities,” Tim Spence, chairman, CEO and president of Fifth Third, said at the time in a press release.
Fifth Third had announced four months earlier, in October, that it planned a $10.9 billion merger with Comerica.
During an October earnings call, Spence said the merger would produce a diversified and even more profitable company.
“We are excited to add Comerica’s strong verticals to our existing expertise, including in national dealer services, environmental services, and tech and life sciences, among others,” Spence said.
CINCINNATI--(BUSINESS WIRE)--Fifth Third Bank (NASDAQ: FITB) today announced that its Newline™ platform has been named an Innovation of the Year 2026 honoree by American Banker, recognizing its role in powering large-scale payments and embedded finance capabilities for fintechs and enterprise clients.
As part of its Innovation of the Year program, American Banker recognizes teams and individuals whose groundbreaking, innovative projects, initiatives and developments solve key challenges, capitalize on new opportunities and drive measurable results while redefining the future of digital finance.
Newline reflects a growing shift in the payments landscape, where fintechs and platforms require bank partners that can operate as scalable, technology-driven infrastructure providers. By combining the reach and regulatory strength of a top U.S. bank with modern, API-driven architecture, Fifth Third is enabling clients to embed payments, cards and financial services directly into their own ecosystems. American Banker noted “Newline's key product launch in 2025 was agentic commerce infrastructure – the plumbing for a future in which AI agents, not humans, initiate and approve payments.”
“Newline represents a different model for how banks support innovation in payments,” said Bridgit Chayt, head of Commercial Payments at Fifth Third. “By pairing the creativity and agility of our people with the strength, scale and trust of a leading bank, we’re delivering solutions that help our clients move faster, serve their customers better and stay ahead.”
American Banker further commented “(Newline) is now the fastest growing segment in Fifth Third's commercial payments business, which generated more than $1 billion in fee revenue in 2025. The division expects to process more than $25 trillion in payment volume in 2026, compared with the $9 trillion it processed in 2016.”
All honorees will be recognized at American Banker's Digital Banking Conference and the Most Innovative People in Finance and Innovation of the Year awards dinner on June 16.
About Newline
Newline by Fifth Third provides BIN sponsorship and a modern API‑driven platform that enables enterprise clients to launch payment, card, and deposit products directly with the Bank. Its technology helps clients embed financial capabilities seamlessly into their products, backed by Fifth Third’s standards for performance, scalability, and risk management. Newline powers offerings for leaders including Trustly and Stripe.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank, and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com.
Fifth Third Bank (NASDAQ: FITB) today announced that its Newline™ platform has been named an Innovation of the Year 2026 honoree by American Banker, recognizing its role in powering large-scale payments and embedded finance capabilities for fintechs and enterprise clients.
As part of its Innovation of the Year program, American Banker recognizes teams and individuals whose groundbreaking, innovative projects, initiatives and developments solve key challenges, capitalize on new opportunities and drive measurable results while redefining the future of digital finance.
Newline reflects a growing shift in the payments landscape, where fintechs and platforms require bank partners that can operate as scalable, technology-driven infrastructure providers. By combining the reach and regulatory strength of a top U.S. bank with modern, API-driven architecture, Fifth Third is enabling clients to embed payments, cards and financial services directly into their own ecosystems. American Banker noted “Newline's key product launch in 2025 was agentic commerce infrastructure – the plumbing for a future in which AI agents, not humans, initiate and approve payments.”
“Newline represents a different model for how banks support innovation in payments,” said Bridgit Chayt, head of Commercial Payments at Fifth Third. “By pairing the creativity and agility of our people with the strength, scale and trust of a leading bank, we’re delivering solutions that help our clients move faster, serve their customers better and stay ahead.”
American Banker further commented “(Newline) is now the fastest growing segment in Fifth Third's commercial payments business, which generated more than $1 billion in fee revenue in 2025. The division expects to process more than $25 trillion in payment volume in 2026, compared with the $9 trillion it processed in 2016.”
All honorees will be recognized at American Banker's Digital Banking Conference and the Most Innovative People in Finance and Innovation of the Year awards dinner on June 16.
About Newline
Newline by Fifth Third provides BIN sponsorship and a modern API‑driven platform that enables enterprise clients to launch payment, card, and deposit products directly with the Bank. Its technology helps clients embed financial capabilities seamlessly into their products, backed by Fifth Third’s standards for performance, scalability, and risk management. Newline powers offerings for leaders including Trustly and Stripe.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank, and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260605024415/en/
Fifth Third CIO Recognized for Advancing Enterprise AI and Next-Generation Customer Experiences
CINCINNATI--(BUSINESS WIRE)--Fifth Third Bank (Nasdaq: FITB) is pleased to announce that Jude Schramm, chief information officer, has been named to American Banker’s inaugural list of the Most Innovative People in Finance. The list recognizes executives and industry leaders driving transformation across banking, payments, technology, customer experience, AI, and digital financial services.
Schramm, who joined the Bank in 2018, plays a key role in accelerating Fifth Third’s modernization efforts and expanding its digital capabilities. Schramm’s work centers on scaling artificial intelligence across the enterprise while enhancing how customers interact with the Bank through faster, more intuitive and increasingly personalized digital experiences. His approach reflects a broader shift across the industry toward operationalizing AI in ways that deliver measurable impact for both customers and employees.
Under his leadership, the Bank has significantly increased the pace of technology delivery, growing from approximately two major mobile app technology upgrades annually in 2021 to more than 500 in 2025, enabling faster innovation and more seamless customer and employee experiences.
“Jude has helped lead how Fifth Third is putting technology and AI to work in ways that improve the customer experience and make us a better, more effective bank,” said Tim Spence, chairman, CEO and president of Fifth Third. “He brings discipline, clarity and a strong focus on scaling the capabilities that matter most.”
Looking ahead, Schramm is focused on completing the combination with Comerica’s systems, further advancing the Bank’s use of artificial intelligence, continuing to enhance customer experiences, and strengthening Fifth Third’s scalable and resilient technology infrastructure to support future growth.
All honorees will be recognized at American Banker's Digital Banking Conference and the Most Innovative People in Finance and Innovation of the Year awards dinner on June 16.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com. Deposit and credit products provided by Fifth Third Bank, National Association. Member FDIC.
General view of the JPMorgan Chase & Co., headquarters in New York City, U.S., April 1, 2026. REUTERS/Eduardo Munoz/File Photo Purchase Licensing Rights, opens new tab
SummaryCompaniesInvestors say banks stuck heads in the sand, ignored Tricolor auditsTricolor notes fell below 10 cents on the dollar, investors sayTwo Tricolor executives pleaded not guilty in criminal casesBanks not available for comment or declined to commentNEW YORK, June 10 (Reuters) - JPMorgan Chase (JPM.N), opens new tab, Barclays (BARC.L), opens new tab and Fifth Third (FITB.O), opens new tab won the dismissal of a lawsuit by investors who said the banks missed "giant red flags" at the now-bankrupt subprime auto lender Tricolor while fraudulently marketing its debt.
U.S. District Judge Jed Rakoff in Manhattan threw out the case on Wednesday, and said he will explain his reasoning in due course.
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Holders of more than $270 million in Tricolor asset-backed notes sold between April 2022 and June 2025 accused the banks of "sticking their heads in the sand" while financing and securitizing Tricolor's auto loans, on top of being major Tricolor lenders, and enabling the company's "Ponzi-like fraud."
The 36 plaintiffs included funds run by Janus Henderson (JHG.N), opens new tab, Ellington Capital Management and One William Street Capital Management.
Barclays and Cincinnati-based Fifth Third declined to comment. JPMorgan had no immediate comment.
Tricolor provided auto loans primarily in lower-income Hispanic communities in the southwestern U.S., before filing to liquidate in September.
The filing came 18 days before a large auto parts supplier, First Brands, sought Chapter 11 protection from creditors.
Both bankruptcies highlighted the risk of private credit, where investors provide capital to businesses that receive less regulatory oversight than businesses tapping public markets.
Investors accused JPMorgan, Barclays and Fifth Third of falsely assuring that Tricolor notes were worth buying, even as audits in 2022 and 2024 revealed that Tricolor inaccurately reported loan receivables and either misdirected or "made up" cash flow.
Some notes ended up trading below 10 cents on the dollar, the investors said.
In seeking a dismissal, the banks said the investors "at most" alleged negligence rather than intent to defraud. They also said claims they "failed to stop" fraud sooner have never justified securities fraud claims in New York federal courts.
All three banks have reported nine-figure losses from Tricolor.
In December, Tricolor Chief Executive Daniel Chu and former Tricolor Chief Operating Officer David Goodgame were indicted in Manhattan for allegedly systematically defrauding creditors and lenders, including by falsifying loan data and double-pledging collateral. Both pleaded not guilty.
Reporting by Jonathan Stempel in New York; Editing by Mark Porter
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Fifth Third Bancorp was invited to join Anthropic’s Project Glasswing cybersecurity initiative, Seeking Alpha reported Wednesday (June 10).
The bank’s chief financial officer, Bryan Preston, said at the Morgan Stanley U.S. Financials Conference that Fifth Third was granted access to the initiative within the past several weeks, according to the report.
“We think it was a reflection of just the role we play in the payments ecosystem in the country today, whether it’s the Direct Express business, some of the processing that we do for U.S. Customs as well as just the magnitude of payroll processing that we do for the country,” Preston said, per the report.
Direct Express is the U.S. Treasury Department’s prepaid debit card program that helps Americans get monthly federal benefits. Fifth Third Bank was selected by the Treasury Department to expand the program, and the bank inked a five-year agreement to serve as the financial agent for the program in September, PYMNTS reported at the time.
Anthropic introduced Project Glasswing in April when it announced the limited release of its first Mythos-class AI model, Claude Mythos Preview. The company said the initiative would offer select partners early access to the model so they could use the model’s cybersecurity capabilities to strengthen their systems before this class of models was more widely released.
By May 22, Anthropic reported that Claude Mythos Preview had identified more than 10,000 cybersecurity vulnerabilities in “the most systemically important software in the world” so that they could be patched.
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On June 2, Anthropic said it was expanding Project Glasswing. The company said that the cybersecurity effort initially gave around 50 organizations access to Claude Mythos Preview and that it was being expanded to include 150 organizations.
When Anthropic announced Tuesday (June 9) that it launched two Mythos-class models after developing safeguards to prevent them from being misused, the company said that one of them, Claude Mythos 5, would initially be released only through Project Glasswing in collaboration with the U.S. government.
Fifth Third said Feb. 2 that it became the ninth-largest U.S. bank by assets that day when the merger between Fifth Third Bancorp and Comerica closed.
Fifth Third Bancorp was invited to join Anthropic’s Project Glasswing cybersecurity initiative, Seeking Alpha reported Wednesday (June 10).
The bank’s chief financial officer, Bryan Preston, said at the Morgan Stanley U.S. Financials Conference that Fifth Third was granted access to the initiative within the past several weeks, according to the report.
“We think it was a reflection of just the role we play in the payments ecosystem in the country today, whether it’s the Direct Express business, some of the processing that we do for U.S. Customs as well as just the magnitude of payroll processing that we do for the country,” Preston said, per the report.
Direct Express is the U.S. Treasury Department’s prepaid debit card program that helps Americans get monthly federal benefits. Fifth Third Bank was selected by the Treasury Department to expand the program, and the bank inked a five-year agreement to serve as the financial agent for the program in September, PYMNTS reported at the time.
Anthropic introduced Project Glasswing in April when it announced the limited release of its first Mythos-class AI model, Claude Mythos Preview. The company said the initiative would offer select partners early access to the model so they could use the model’s cybersecurity capabilities to strengthen their systems before this class of models was more widely released.
By May 22, Anthropic reported that Claude Mythos Preview had identified more than 10,000 cybersecurity vulnerabilities in “the most systemically important software in the world” so that they could be patched.
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On June 2, Anthropic said it was expanding Project Glasswing. The company said that the cybersecurity effort initially gave around 50 organizations access to Claude Mythos Preview and that it was being expanded to include 150 organizations.
When Anthropic announced Tuesday (June 9) that it launched two Mythos-class models after developing safeguards to prevent them from being misused, the company said that one of them, Claude Mythos 5, would initially be released only through Project Glasswing in collaboration with the U.S. government.
Fifth Third said Feb. 2 that it became the ninth-largest U.S. bank by assets that day when the merger between Fifth Third Bancorp and Comerica closed.
CINCINNATI--(BUSINESS WIRE)--Fifth Third (NASDAQ: FITB) announced that it will expand its industry-first free wills program to hundreds of thousands of additional customers when it completes the integration of Comerica in September, building on strong first-year adoption that has already helped protect an estimated $10 billion in estate value.
The groundbreaking program—delivered in partnership with Trust & Will—has prompted more than 39,000 customers to create wills and 3,000 to establish trusts, saving customers an estimated $12.6 million since launching in May 2025. The program has demonstrated strong engagement, with a nearly 65% completion rate from registration to finalized wills — significantly exceeding typical digital completion benchmarks and underscoring customer demand for simpler estate planning solutions embedded in trusted financial relationships.
Fifth Third remains the only U.S. bank to offer free, attorney-approved wills to its entire customer base. The free wills benefit will extend to hundreds of thousands of additional customers, including in Texas, Arizona, and California, as Comerica customers gain access to the full range of Fifth Third’s digital offerings in September, further scaling the program’s reach and impact.
“Helping people protect what matters most is core to who we are as a bank,” said Erin Crawford, VP, head of Consumer Digital, Payments and Money Management, Fifth Third. “By making wills free and easy to create, we’re removing barriers and giving families the tools to plan ahead with confidence—not just manage their finances.”
The effort is helping close a persistent financial planning gap, as more than half of Americans still lack basic estate documents. Without basic estate documents, families can face lengthy probate delays, significant legal costs, and frozen assets during already difficult times. Fifth Third’s approach helps customers take proactive steps to protect their families and reduce future stress.
“Fifth Third set out to do something no other bank had done—make estate planning a standard part of financial wellness,” said Cody Barbo, co‑founder and CEO of Trust & Will. “By offering free wills to every customer, they removed one of the biggest barriers families face and helped tens of thousands of people protect what they’ve worked hard to build. This partnership shows what’s possible when a trusted financial institution leads with access, simplicity, and purpose.”
Fifth Third customers can begin creating their free will or explore trust options by visiting 53.com/trustandwill.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere’s World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and its common stock is traded on the NASDAQ® Global Select Market under the symbol "FITB." Investor information and press releases can be viewed at www.53.com. Deposit and credit products provided by Fifth Third Bank, National Association. Member FDIC.
About Trust & Will
Founded in 2017, Trust & Will is the leading digital estate planning platform in the U.S., trusted by over one million families. Our simple, secure, and attorney-approved online solutions empower Americans to create wills, trusts, healthcare directives, and other essential estate planning documents tailored to state-specific laws. As a certified B Corporation, our mission to help every family leave a meaningful legacy is embedded into our business model, ensuring estate planning is accessible, affordable, and inclusive for all.
Trust & Will is advancing modern legacy planning with AI-driven innovation, helping families and professionals simplify complex decisions and accelerate collaborative workflows. Our platform supports 26,000+ financial advisors and 145+ enterprise partners, including banks, financial institutions, attorneys, nonprofits, real estate agents, and technology platforms. Notable partners include AARP, Fifth Third Bank, UBS, USAA, LPL Financial, and Northwestern Mutual. With more than one million users and over $300 billion in self-reported estate assets, Trust & Will is redefining estate planning as a strategic pillar of modern financial wellness.
Trust & Will has been consistently recognized for innovation and leadership. In 2026 alone, the company was named to Fast Company's World's Most Innovative Companies, the Financial Times' Americas' Fastest-Growing Companies, the Inc. Regionals: Fastest-Growing Private Companies, Forbes' America's Best Startup Employers, and received the FinTech Breakthrough Award for Personal Finance Product of the Year. The company has also earned spots on the CNBC Disruptor 50, Inc. 5000, and Deloitte Technology Fast 500™ lists, and was named a winner at the 2025 Wealth Management ("Wealthies") and ThinkAdvisor Luminaries awards, and recognized as a "Rising Star in Estate Planning" in the 2025 Kitces Research on Advisor Technology report.
CINCINNATI--(BUSINESS WIRE)--Today, Fifth Third Bancorp announced the declaration of cash dividends on its common shares, Series H preferred shares, Series I preferred shares, Series J preferred shares, Series K preferred shares, Series M preferred shares, and Class B Series A preferred shares.
Fifth Third Bancorp (Nasdaq: FITB) today declared a cash dividend on its common shares of $0.40 per share for the second quarter of 2026. The dividend is payable on July 15, 2026 to shareholders of record as of June 30, 2026.
Fifth Third also declared a cash dividend on its 5.10% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series H (3 month Term SOFR plus 3.033% plus 0.26161% [the ARRC-recommended LIBOR-SOFR spread adjustment] per preferred share), at the rate of $442.0325 per preferred share, which equates to approximately $17.6813 for each depositary share. Each depositary share represents a 1/25th ownership interest in a share of Series H Preferred Stock. The Series H dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I (3 month Term SOFR plus 3.71% plus 0.26161% [the ARRC-recommended LIBOR-SOFR spread adjustment] per preferred share; Nasdaq: FITBI), at the rate of $484.8025 per preferred share, which equates to approximately $0.4848 for each depositary share. Each depositary share represents a 1/1000th ownership interest in a share of Series I Preferred Stock. The Series I dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 4.90% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series J (3 month Term SOFR plus 3.129% plus 0.26161% [the ARRC-recommended LIBOR-SOFR spread adjustment] per preferred share), at the rate of $448.1750 per preferred share, which equates to approximately $17.9270 for each depositary share. Each depositary share represents a 1/25th ownership interest in a share of Series J Preferred Stock. The Series J dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 4.95% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K (Nasdaq: FITBO), at the rate of $309.375 per preferred share, which equates to approximately $0.30938 for each depositary share. Each depositary share represents a 1/1000th ownership interest in a share of Series K Preferred Stock. The Series K dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M (Nasdaq: FITBM), at the rate of $17.1875 per preferred share, which equates to approximately $0.42969 for each depositary share. Each depositary share represents a 1/40th ownership interest in a share of Series M Preferred Stock. The Series M dividend is payable on July 1, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A (Nasdaq: FITBP), at the rate of $15.00 per preferred share, which equates to approximately $0.3750 for each depositary share. Each depositary share represents a 1/40th ownership interest in a share of Class B Series A Preferred Stock. The Class B Series A dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people, and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere's World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and its common stock is traded on the NASDAQ® Global Select Market under the symbol “FITB.” Investor information and press releases can be viewed at www.53.com.
Today, Fifth Third Bancorp announced the declaration of cash dividends on its common shares, Series H preferred shares, Series I preferred shares, Series J preferred shares, Series K preferred shares, Series M preferred shares, and Class B Series A preferred shares.
Fifth Third Bancorp (Nasdaq: FITB) today declared a cash dividend on its common shares of $0.40 per share for the second quarter of 2026. The dividend is payable on July 15, 2026 to shareholders of record as of June 30, 2026.
Fifth Third also declared a cash dividend on its 5.10% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series H (3 month Term SOFR plus 3.033% plus 0.26161% [the ARRC-recommended LIBOR-SOFR spread adjustment] per preferred share), at the rate of $442.0325 per preferred share, which equates to approximately $17.6813 for each depositary share. Each depositary share represents a 1/25th ownership interest in a share of Series H Preferred Stock. The Series H dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I (3 month Term SOFR plus 3.71% plus 0.26161% [the ARRC-recommended LIBOR-SOFR spread adjustment] per preferred share; Nasdaq: FITBI), at the rate of $484.8025 per preferred share, which equates to approximately $0.4848 for each depositary share. Each depositary share represents a 1/1000th ownership interest in a share of Series I Preferred Stock. The Series I dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 4.90% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series J (3 month Term SOFR plus 3.129% plus 0.26161% [the ARRC-recommended LIBOR-SOFR spread adjustment] per preferred share), at the rate of $448.1750 per preferred share, which equates to approximately $17.9270 for each depositary share. Each depositary share represents a 1/25th ownership interest in a share of Series J Preferred Stock. The Series J dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 4.95% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series K (Nasdaq: FITBO), at the rate of $309.375 per preferred share, which equates to approximately $0.30938 for each depositary share. Each depositary share represents a 1/1000th ownership interest in a share of Series K Preferred Stock. The Series K dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M (Nasdaq: FITBM), at the rate of $17.1875 per preferred share, which equates to approximately $0.42969 for each depositary share. Each depositary share represents a 1/40th ownership interest in a share of Series M Preferred Stock. The Series M dividend is payable on July 1, 2026 to shareholders of record as of June 26, 2026.
Fifth Third also declared a cash dividend on its 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A (Nasdaq: FITBP), at the rate of $15.00 per preferred share, which equates to approximately $0.3750 for each depositary share. Each depositary share represents a 1/40th ownership interest in a share of Class B Series A Preferred Stock. The Class B Series A dividend is payable on June 30, 2026 to shareholders of record as of June 26, 2026.
About Fifth Third
Fifth Third is a bank that’s as long on innovation as it is on history. Since 1858, we’ve been helping individuals, families, businesses and communities grow through smart financial services that improve lives. Our list of firsts is extensive, and it’s one that continues to expand as we explore the intersection of tech-driven innovation, dedicated people, and focused community impact. Fifth Third is one of the few U.S.-based banks to have been named among Ethisphere's World’s Most Ethical Companies® for several years. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation’s highest performing regional bank, but to be the bank people most value and trust.
Fifth Third Bank, National Association is a federally chartered institution. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and its common stock is traded on the NASDAQ® Global Select Market under the symbol “FITB.” Investor information and press releases can be viewed at www.53.com.
Category: Dividends
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NYSE issues a pre-market daily advisory direct from the trading floor. NEW YORK, June 12, 2026 /PRNewswire/ -- The New York Stock Exchange (NYSE) provides a daily pre-market update directly from the NYSE Trading Floor.
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.
