Fair Isaac Corp Stock Price, News & Analysis

FICO (NYSE: FICO) announced on October 14, 2025 that it was awarded 10 new patents focused on Responsible AI, applied intelligence, and transaction analytics.

The company now holds 231 active U.S. and foreign patents with 79 patent applications pending. The patents are described as enhancing FICO® Falcon® Fraud Manager, FICO® Platform, FICO® Fraud Predictor with Merchant Profiles, FICO® Resilience Index, and other products to improve fraud detection, bias detection, explainability, data privacy, streaming decisions, and model robustness.

FICO (NYSE: FICO) published its August 2025 UK credit card market report showing rising average active balances and falling payment rates, which FICO says indicate growing stress for cardholders.

Key metrics: average spend £815 (+1.5% MoM, -2.4% YoY); average balance £1,915 (+1.1% MoM, +4.9% YoY); percentage of payments to balance 34.3% (-1.6% MoM, -6.2% YoY); accounts with one missed payment 1.34% (-3.5% MoM, -16.0% YoY). Overlimit accounts rose 5.8% MoM; average credit limit ~£5,880.

FICO notes accelerating balance growth, lower payment rates and higher overlimit usage and recommends intensified monitoring and early interventions by risk teams.

FICO (NYSE: FICO) has announced a transformative change in how FICO® Scores are delivered to the mortgage industry through its new FICO® Mortgage Direct License Program. This program allows tri-merge resellers to calculate and distribute FICO Scores directly to customers, bypassing credit bureaus.

The program introduces two pricing models: A performance model with a $4.95 per score fee (50% reduction) plus a $33 funded loan fee per borrower, and a traditional model maintaining the current $10 per score fee. This initiative aims to enhance price transparency and reduce costs for mortgage lenders, potentially saving them up to 50% on per score fees.

FICO (NYSE:FICO) has released its 2025 Consumer Survey on Fraud, Identity and Digital Banking in South Africa, revealing concerning trends in financial dishonesty. The survey shows that 26% of South Africans consider it acceptable to exaggerate income on loan applications, while 22% view inflating income for mobile phone contracts as normal.

Despite this trend toward first-party fraud, consumers still prioritize strong fraud protection from financial institutions, with 25% ranking it as their primary consideration when choosing a provider. The survey also revealed strong preference for biometric authentication, with 65% favoring fingerprint verification and 60% preferring facial recognition.

FICO (NYSE: FICO) has unveiled its new FICO® Foundation Model for Financial Services (FFM), featuring two key components: the FICO® Focused Language Model (FLM) and FICO® Focused Sequence Model (FSM). These domain-specific AI models are designed to deliver superior accuracy and trust in financial services applications.

The models require up to 1,000x fewer resources than general-purpose LLMs while achieving 38% improvement in compliance adherence and 35% better performance in transaction analytics. The technology includes patent-pending Trust Scores to manage AI hallucinations and ensure consistent outcomes in regulated environments.

Built on domain-specific data and Responsible AI principles, these models offer enhanced transparency, auditability, and adaptability for financial institutions, making them more cost-effective and practical for specific business problems in financial services.

FICO (NYSE:FICO) has released findings from an industry poll revealing significant challenges in bank hyper-personalization across Asia Pacific. The survey shows that only 11% of bank executives consider their hyper-personalization strategies highly advanced, despite 88% using predictive analytics.

Key findings highlight that 72% of banks have siloed or partially integrated communication channels, while 50% of banks have automated less than half of their customer-facing decisions. Additionally, only 43% of executives significantly leverage real-time data, and just 37% report extensive use of predictive analytics.

FICO (NYSE:FICO) has expanded its partnership with Swisscard AECS GmbH, Switzerland's leading premium credit card provider, to implement AI-powered optimization capabilities through FICO® Platform. The collaboration focuses on enhancing credit limit strategies for both new and existing cardholders.

Building on their successful five-year relationship, Swisscard will leverage FICO Platform's optimization technology to increase credit limits while maintaining risk management standards. The platform enables Swisscard to deploy strategies without IT intervention, bringing consistency across processes including onboarding, limit management, and customer behavior analysis.

The implementation aims to drive higher revenues, improve credit card adoption rates, and increase card usage among suitable customer profiles, while fostering greater customer satisfaction and loyalty.

FICO (NYSE:FICO) has released its first-ever FICO® Score Credit Insights report, revealing significant shifts in consumer credit behavior. The report shows the national average FICO® Score stands at 715, down two points from 2024, with notable trends across generations and loan types.

Key findings include: Gen Z experienced the largest score decrease of any age group; a K-shaped recovery has pushed more consumers into both highest and lowest score brackets; and auto loans have become the top payment priority, being 19% more likely to be paid than mortgages. Delinquency rates have increased significantly across multiple credit products, with bankcard delinquencies up 48% and mortgage delinquencies up 58% since 2021.

Consumer survey data shows 71% of Americans check their credit scores multiple times yearly, with younger generations showing increased engagement in credit monitoring.

FICO (NYSE:FICO) has released its UK Credit Card Market Report for July 2025, revealing concerning trends in consumer credit behavior. The analysis shows that despite a 2.9% monthly decrease in average spending to £800, average active balances rose to £1,895, up 5.1% year-on-year.

Key findings include a 7.7% year-on-year decline in payment-to-balance ratio to 34.9%, and significant increases in missed payment balances. Customers with three missed payments showed an 8.1% year-on-year increase in average balances to £3,300. The report also highlights a concerning trend in cash usage on credit cards, rising 1% month-on-month to 3.21%, indicating potential financial stress among consumers.