Fair Isaac Corp NYSE:FICO Price, Chart, News & Insight

FICO reported a solid start to fiscal 2026, posting higher earnings and double-digit revenue growth in its first quarter, supported by strong performance in its Scores business.

For the quarter ended December 31, 2025, FICO reported GAAP net income of $158.4 million, or $6.61 per share, up from $6.14 per share a year earlier. Revenue increased 16% year over year to $512.0 million. On a non-GAAP basis, net income rose to $175.6 million, with EPS of $7.33, compared with $5.79 in the prior-year period. Free cash flow totaled $165.4 million for the quarter.

Growth was led by the Scores segment, where revenue surged 29% to $304.5 million. Business-to-business scores revenue rose 36%, driven by higher mortgage origination score pricing and increased origination volumes, while business-to-consumer revenue grew 5% on stronger indirect channel performance. Software revenue was relatively stable, rising 2% year over year to $207.5 million. Software annual recurring revenue increased 5%, supported by a 33% rise in platform ARR, partially offset by a decline in non-platform ARR.

CEO Will Lansing said the company delivered strong top- and bottom-line growth and reaffirmed its fiscal 2026 guidance, which implies stronger growth than achieved in fiscal 2025.

Source: Business Wire

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Global Finance News 01-29-26

FICO announced that the latest release of its optimization software, FICO Xpress 9.8, delivers major performance gains by leveraging NVIDIA GPUs and CUDA-X libraries. The update introduces a GPU-accelerated implementation of the hybrid gradient algorithm, enabling speedups of up to 50x for extremely large and dense optimization problems. FICO highlighted that the new release also includes broader performance improvements across its mixed-integer programming and global solver engines, further enhancing its ability to handle complex, large-scale decision optimization workloads.

Source: FICO, Business Wire

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Global Finance News 01-07-26

FICO Expands Mortgage Direct License Program with Cotality and Ascend Companies

FICO announced that it has added Cotality and Ascend Companies as new participants in its FICO Mortgage Direct License Program, expanding direct delivery of FICO Scores to mortgage lenders. Through these partnerships, tri-merge resellers including Cotality Credco, Advantage Credit, and Partners Credit & Verification Solutions will be able to generate and deliver FICO Scores directly to lenders.

The program is designed to streamline score delivery, introduce more flexible pricing models, and improve transparency and efficiency across the mortgage lending process. FICO said growing interest in the program reflects lenders’ demand for more cost-efficient and competitive solutions while maintaining compliance and decision accuracy. A formal update will be provided once the solution becomes commercially available through participating resellers.

Source: Business Wire

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WS Investor 12-20-25

FICO Partners with Plaid to Launch Next-Generation Cash Flow UltraFICO Score

FICO (NYSE: FICO) and Plaid have formed a strategic partnership to create an enhanced UltraFICO Score that combines FICO’s traditional credit scoring with real-time cash-flow data from Plaid. The new score aims to give lenders a more comprehensive and accurate view of consumer credit risk without added operational complexity.

Through Plaid’s network, which connects to over 12,000 financial institutions, lenders will gain permissioned access to consumers’ transaction data—including checking, savings and money market activity. The next-generation UltraFICO Score promises improved risk performance, easier implementation and full compatibility with existing FICO Score channels.

Both companies say the solution will support more inclusive and responsible lending by giving lenders a broader perspective on consumers’ financial readiness.

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WS Investor 11-20-25

FICO Launches Mortgage Score Simulator with SharperLending to Enhance Borrower Insights

FICO (NYSE: FICO) announced that SharperLending Solutions, a subsidiary of Xactus, is now offering the FICO Score Mortgage Simulator on its credit platform. The new tool allows mortgage professionals to model how credit report changes—such as debt repayment or account closure—could impact a borrower’s FICO Score. Built using FICO’s proprietary algorithms, it supports simulations across all three major credit bureaus and multiple FICO Score versions used in mortgage lending. The collaboration aims to improve transparency, strengthen lender-borrower relationships, and help consumers secure better loan options and rates.

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The Investor 10-29-25

FICO launches Mortgage Simulator through Credit Interlink integration

FICO (NYSE: FICO) announced that its FICO Score Mortgage Simulator is now available to mortgage professionals via Credit Interlink and its partners, Partners Credit & Verification Solutions and Advantage Credit. The simulator—built and powered by FICO’s proprietary score algorithm—enables lenders to model real FICO Score behavior with precision, showing how actions such as paying down debt or resolving collections could impact mortgage credit scores.

The tool supports simulations across all three major bureaus using the classic FICO Scores applied in mortgage underwriting (FICO Score 2, 4, and 5). By providing lenders with accurate, data-driven insights, the simulator aims to improve borrower guidance, speed up approvals, and foster transparency in the mortgage process.

FICO said the launch reflects its ongoing effort to enhance responsible access to credit and strengthen financial inclusion through advanced analytics and lender tools.

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The Investor 10-27-25

FICO announced it has been granted 10 new patents in Responsible AI, applied intelligence, and transaction analytics, strengthening its leadership in ethical AI and fraud prevention. The innovations enhance core FICO products such as Falcon Fraud Manager and the FICO Platform, addressing issues like bias detection, data privacy, and model explainability.

The company now holds 231 active patents globally, with 79 more pending. Chief Analytics Officer Dr. Scott Zoldi said these developments reinforce FICO’s mission to make Responsible AI the industry standard by creating transparent, trustworthy, and high-performing AI systems used across industries including finance, healthcare, and telecommunications.

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WS Investor 10-14-25

Swisscard AECS GmbH, Switzerland’s leading premium credit card provider, is extending its partnership with FICO to integrate AI-powered decision optimisation into the FICO® Platform. The move will enhance credit limit management, enabling Swisscard to offer greater flexibility on spending limits while carefully managing risk based on customer behaviour. Building on a five-year collaboration, Swisscard already uses FICO Platform for onboarding, limit management, and customer processes.

By adopting optimisation technology, Swisscard aims to boost customer satisfaction and loyalty, while driving higher revenues and improved card usage. FICO’s advanced analytics will allow Swisscard to set and adjust credit limits with greater precision, creating a more agile and consistent decision-making process without the need for IT intervention.

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The Investor 09-19-25

FICO released its first FICO Score Credit Insights Report, showing how inflation, resumed student loan payments, and shifting payment priorities are reshaping U.S. consumer credit. The national average score dipped to 715, with Gen Z seeing the largest declines due to financial volatility and high student loan exposure. The study also highlighted a K-shaped recovery, with more borrowers moving into both the highest and lowest score ranges.

Delinquencies are rising in auto loans, credit cards, and mortgages, while personal loan delinquencies eased. Consumers now prioritize auto loans over mortgages, with student loans ranked lowest. At the same time, more Americans are actively monitoring their credit, with Gen Z and Millennials leading in monthly score checks, reflecting growing awareness of financial health.

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Global Finance News 09-16-25

FICO’s latest UK Credit Card Market Report for July 2025 shows that average active balances climbed to £1,895, up 5.1% year-on-year, despite a seasonal dip in spending to £800. At the same time, the percentage of balances being repaid fell 7.7% from last year to 34.9%, underscoring rising affordability pressures on households.

Missed payment balances are also trending upward, with customers missing three payments carrying an average balance of £3,300, an 8.1% year-on-year increase. FICO warns that these indicators point to growing financial stress and advises lenders to tighten credit strategies and prioritize early support for at-risk customers to mitigate risk and safeguard profitability.

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WS Investor 09-15-25

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