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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.

FICO (NYSE: FICO) and Corinium's global study reveals a significant shift in financial institutions' AI priorities, with 56% of Chief Analytics/AI Officers identifying Responsible AI standards as key to increasing ROI, surpassing GenAI (40%). The study, surveying over 250 C-Suite financial services leaders, highlights that 75% of respondents believe collaboration between business and IT leaders could drive ROI gains of 50% or more.

The research uncovered critical challenges, with 95% of respondents reporting misalignment between AI initiatives and business goals. Only 12% of organizations have fully integrated AI operational standards, while 11% of participants express concerns about agentic AI's unpredictability. The findings emphasize a shift from experimental AI to value creation, prioritizing maturity, trust, and quantifiable returns through unified decisioning platforms.

FICO (NYSE:FICO) has announced the return of its Educational Analytics Challenge for the 2025-2026 academic year, marking its third consecutive year. The program partners with four HBCUs: Bowie State University, Delaware State University, Morehouse College, and Alabama A&M University.

The semester-long challenge will focus on developing custom AI language models to solve real-world business problems. Led by FICO's Chief Analytics Officer, Dr. Scott Zoldi, the program includes weekly lectures and mentorship opportunities. Students will learn about neural networks, transformers, large language models, and FICO's focused language model approach.

The initiative provides financial support to participating universities and students, along with internship opportunities. FICO participates in the HBCU Partnership Challenge, a bipartisan initiative supporting historically black colleges and universities.

FICO (NYSE:FICO) has been named a category leader for enterprise fraud solutions by Chartis for the fifth consecutive time in their Enterprise and Payment Fraud Solutions 2025 Quadrant Update. The company achieved leadership positions in three categories: enterprise fraud solutions, payment fraud solutions, and fraud platforms.

Chartis recognized FICO's excellence in analytics, workflow management, and AI functionality. The company's fraud solutions currently protect over 10,000 financial institutions and telecommunication organizations globally. FICO's platform integrates AI-powered detection, case management, and scam identification capabilities, with recent award recognition including the Best Anti-Fraud Solution award at the 2024 Credit & Collections Technology Awards and a 2025 Credit Award for Excellence in Fraud Prevention with Barclays.

FICO (NYSE:FICO) has announced a partnership with the Nita Mukesh Ambani Cultural Centre (NMACC) for the NMACC India Weekend, a cultural celebration in New York City from September 12-14, 2025. The event will be held at Lincoln Center for the Performing Arts, featuring Indian music, theatre, fashion, cuisine, and traditions.

FICO's connection to India is significant, with its Bangalore office being the company's largest globally, employing 1,300 staff representing over a third of FICO's worldwide workforce. The Bangalore team has contributed over 100 platform innovations to the FICO® Platform, the company's cloud decisioning solution.

FICO (NYSE:FICO) has announced a multi-year partnership with Chelsea Football Club as its U.S. partner, focusing on financial literacy initiatives. The collaboration aims to educate U.S. consumers about credit scores and financial empowerment, leveraging Chelsea FC's recent FIFA Club World Cup victory to amplify their message.

The partnership addresses a critical need revealed by FICO's research: while 98% of Americans believe financial literacy is important for stability, 28% of Gen Z don't consider themselves financially literate. FICO's initiatives include the Score A Better Future™ program, Score A Better Future™ Fundamentals for teens, and FICO® Score Open Access, which has shared over 250,000 credit scores with consumers through counseling organizations.

FICO (NYSE:FICO) has released its UK Credit Card Market Report for June 2025, revealing significant trends in consumer credit behavior. Average credit card spending increased 4.6% month-on-month to £825, though remained 1.4% lower than June 2024. Average balances rose to £1,885, up 1% from May and 4.6% year-on-year.

The report highlights concerning trends, including a 2.1% monthly decline in payment-to-balance ratios and increasing average balances for accounts with missed payments. While accounts with one and three missed payments decreased month-on-month by 11.3% and 11.8% respectively, accounts with two missed payments rose by 5.8%.

FICO (NYSE:FICO) reported strong financial results for Q3 fiscal 2025, with net income of $181.8 million or $7.40 per share, up from $5.05 per share year-over-year. Revenue increased 20% to $536.4 million, driven by exceptional performance in the Scores segment.

The company's Scores revenue grew 34% to $324.3 million, with B2B revenue up 42% due to higher unit prices, increased mortgage originations, and an insurance score product license renewal. Software revenue increased 3% to $212.1 million, with platform ARR growing 18%.

Following these results, FICO raised its fiscal 2025 guidance, now expecting GAAP EPS of $25.60 (up from $25.05) and Non-GAAP EPS of $29.15 (up from $28.58).