Fair Isaac Corp Stock Price, News & Analysis

FICO (NYSE: FICO) announced on October 27, 2025 that the FICO® Score Mortgage Simulator is now available to mortgage professionals through Credit Interlink and reseller partners Partners Credit & Verification Solutions and Advantage Credit, Inc.

The simulator is built by FICO data scientists and uses the actual FICO® Score algorithm to model how credit actions (paying down debt, resolving collections) may affect mortgage scores. It supports simulations across one, two or three bureaus and models FICO Score 2, 4 and 5, aiming to deliver realistic, mortgage-specific scenario modeling at the point of lending.

FICO (NYSE: FICO) will report fourth quarter fiscal 2025 financial results on November 5, 2025 after market close. The company will host a conference call and live webcast on November 5, 2025 at 5:00 p.m. ET (4:00 p.m. CT / 2:00 p.m. PT), accessible at www.fico.com/investors.

A replay of the webcast will be available in the company's Event Calendar under Past Events through November 5, 2026.

FICO (NYSE: FICO) announced that Associated Bank (NYSE: ASB) upgraded from FICO Auto Score 8 to FICO Auto Score 10 using dual processing to validate predictive benefits and maintain operations. Associated reports early signs of higher approval rates, more borrowers in top score tiers, and improved predictive separation for thin-file and bankruptcy-prone segments, with full delinquency validation expected within 18 months. The rollout used simultaneous scoring with Auto Score 8 to accelerate implementation and preserve origination and account-management continuity.

The move aims to improve underwriting accuracy and speed while keeping the 250–900 score range, reason codes, and compliance readiness.

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.