Welcome to our dedicated page for Fair Isaac news (Ticker: FICO), a resource for investors and traders seeking the latest updates and insights on Fair Isaac stock.
Fair Isaac Corporation reports developments in credit scoring, applied analytics software and digital decisioning for lenders and other enterprises. The company is known for the FICO® Score, a consumer credit-risk measure used by top U.S. lenders and made available in other countries, and it generates news around modern score models such as FICO Score 10T, mortgage-risk analysis, and credit-card market data.
Recurring updates also cover the company's Scores and Software segments, including B2B and B2C scoring solutions, FICO Platform, Falcon Fraud Manager, Customer Communication Services, decision optimization, customer deployments, earnings releases, investor presentations and capital-market communications.
FICO (NYSE: FICO) October 2025 UK credit card data shows spending fell ahead of the Christmas peak, with average spend £765 (-4.7% MoM, -3% YoY) and average active balance £1,900 (-0.7% MoM, +4.7% YoY). The share of balance paid dropped to 34.4% (-0.8% MoM, -7.6% YoY). Missed payments rose month-on-month for one- and two-payment categories, while three missed payments fell. Average credit limit £5,910 (+0.2% MoM, +2.5% YoY) and overlimit accounts 1.35% (-6.0% MoM, +3.3% YoY). FICO flags seasonal stress and advises early intervention for at-risk customers.
FICO (NYSE: FICO) announced on December 18, 2025 that it added Cotality and Ascend Companies as participants in the FICO® Mortgage Direct License Program.
The program lets participating tri-merge resellers generate and deliver FICO® Scores directly to lenders, introducing streamlined score delivery, flexible pricing models, and an aim to reduce lender costs while preserving compliance and scoring accuracy. FICO said the additions accelerate momentum toward greater transparency and efficiency in mortgage score delivery and that a formal update will follow when the solution is commercially available at participating tri-merge resellers.
FICO (FICO) September 2025 UK credit card report shows households under pressure after the Autumn Budget: average active balances rose to £1,915 (+4.5% YoY) while average spend fell to £805 (-3.8% YoY). Payments to balance declined to 34.64% (-6.5% YoY), and accounts with three missed payments increased to 0.21% (+3.7% month-on-month, +1.7% YoY).
Veteran cardholders (cards 5+ years) carry the largest delinquent balances relative to overall balances, and FICO recommends risk teams target this group for tailored collections support.
GFT and FICO (NYSE:FICO) announced a global partnership on November 20, 2025 to deliver AI-driven risk management, real-time decisioning, and streamlined digital onboarding for banks and insurers worldwide. The alliance combines GFT’s cloud, data, and Wynxx generative AI with FICO’s fraud detection, credit risk, and decisioning solutions, including protections across 4 billion payment accounts. Early deployments in Asia and Latin America show live identity checks, continuous lifecycle updates, and demand management use cases. GFT also launched a Center of Excellence to standardize rollouts and train teams for global scaling. The partners position the joint offering to help institutions reduce fraud, improve compliance, and accelerate secure customer journeys.
FICO (NYSE: FICO) announced a strategic partnership with Plaid on November 20, 2025 to launch a next‑generation cash flow UltraFICO® Score that maps real‑time cash flow into the FICO Score scale.
The offering combines FICO score intelligence with Plaid’s consumer‑permissioned cash flow data accessed via Plaid Check, aiming to simplify lender implementation, preserve alignment with the flagship FICO Score, and enable broader, more inclusive credit decisions.
Key scale metrics cited: FICO Score is used by 90% of top US lenders, Plaid connects to 12,000+ financial institutions, and Plaid powers ~1 million daily financial connections.
FICO (NYSE: FICO) and Swiss digital bank PostFinance expanded their partnership on November 6, 2025 to strengthen debit card fraud protection and customer communications.
PostFinance will extend use of FICO Falcon Fraud Manager for debit cards and add FICO Customer Communication Services to enable instant, 24/7 outreach when fraud is suspected. PostFinance serves 2.4 million customers, processes about 4 million customer transactions daily worth CHF 5.9 billion, and issues roughly one-third of Switzerland's debit card transactions.
FICO (NYSE:FICO) reported fourth quarter fiscal 2025 results for the period ended September 30, 2025. Revenue was $515.8 million, up 14% year-over-year. GAAP net income was $155.0 million, or $6.42 per share, versus $5.44 in the prior year; results included a pre-tax restructuring charge of $10.9 million (≈$0.34 per share after tax). Non-GAAP net income was $187.0 million and non-GAAP EPS was $7.74.
Segment highlights: Scores revenue +25% (B2B +29%, B2C +8%). Software revenue was flat; Software ARR +4% with platform ARR +16% and non-platform ARR -2%. Fiscal 2026 guidance: Revenues $2.35B; GAAP EPS $33.47; Non-GAAP EPS $38.17.
FICO (NYSE: FICO) and Xactus announced a multi-year partnership to participate in the FICO Mortgage Direct License Program, enabling tri-merge verifications providers to calculate and deliver FICO Scores directly to mortgage lenders.
The collaboration aims to streamline score delivery, support modernization of credit infrastructure in the $12 trillion U.S. mortgage market, and offer flexible pricing. FICO and Xactus say lenders can save up to 50% on per-score FICO fees under the program. A commercial availability update and access details will be provided once Xactus launches the solution.
FICO (NYSE: FICO) announced that SharperLending, a subsidiary of Xactus, is offering the FICO® Score Mortgage Simulator on the SharperLending Credit Platform as of October 29, 2025. The simulator lets mortgage professionals model credit-report events (paying down debt, closing accounts) across all three credit bureaus and multiple FICO Score versions to estimate score changes and explore more loan options and rates.
The tool is built by FICO using its score algorithms and is accessible to lenders via SharperLending.
FICO (NYSE: FICO) survey of UK consumers finds fraud protection is a top banking priority, with 35% ranking strong fraud prevention as their number-one consideration and 70% placing it in their top three when choosing a new bank.
The study reports 39% strongly prefer fingerprints, 56% rate biometric security as excellent, 40% are more likely to open accounts digitally than a year ago, and 18% abandon applications if ID checks take too long. Half expect account opening in under 30 minutes. FICO recommends an enterprise fraud strategy that balances security and customer experience.