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) reported fourth-quarter fiscal 2026 diluted earnings of $8.12 per share, with revenue and net income above prior-year levels. Revenue rose 27% to $657.0 million, while net income increased to $175.0 million from $155.0 million. Scores revenue grew 33% to $413.8 million; Software revenue increased 19% to $243.2 million.
Software annual recurring revenue rose 14%, combining 72% platform growth with an 18% non-platform decline. Quarterly operating cash flow increased to $294.2 million from $223.7 million. Results included a $47.927 million investment-sale gain and a $27.293 million workforce-reduction restructuring charge. Fiscal 2026 revenue reached $2.535 billion and diluted earnings were $36.32 per share. FICO is not providing fiscal 2027 guidance while mortgage pricing agreements remain unfinished and mortgage-market conditions remain uncertain.
FICO (NYSE: FICO) announced that four mortgage lenders have enrolled in its Preferred Program and will continue using FICO Scores.
The new participants are DHI Mortgage, LoanDepot, Paramount Residential Mortgage Group and CMG Financial. They join previously announced participants including Guild Mortgage, Fairway Home Mortgage, Movement Mortgage, New American Funding, PennyMac Financial Services and Rate.
FICO (FICO) announced that Guild Mortgage, New American Funding and PennyMac Financial Services have enrolled in its FICO Preferred Program.
The three lenders will continue to pull FICO Scores across their mortgage lending operations. The program provides access to both Classic FICO Score and FICO Score 10T. The latter incorporates trended credit bureau data and rental payment information. FICO says using both scores can help lenders make more precise credit-risk decisions.
FICO (FICO) announced that Fairway Home Mortgage, Movement Mortgage and Rate have enrolled in its FICO Preferred Program.
All three lenders will continue to pull FICO Scores across their mortgage lending operations. Their businesses span retail and digital mortgage lending as well as correspondent and secondary markets. Movement Mortgage began evaluating FICO Score 10T in 2023, pulling and analyzing it alongside Classic FICO Score on its mortgages. Its enrollment builds on that earlier use.
FICO (NYSE: FICO) announced that Arvest Bank has completed an upgrade to FICO Auto Score 10 for its auto lending business. FICO provided implementation guidance, compliance resources and technical support to integrate the score into Arvest’s existing credit decision processes.
Arvest said its early portfolio analysis showed clearer distinctions in borrower risk, particularly among thin-file borrowers, who have limited credit histories. The analysis also showed some customers receiving higher scores under the updated model. These findings concern borrower risk assessment rather than reported loan performance. FICO Auto Score 10 retains the 250–900 scoring range and uses recent credit data; FICO says it predicts defaults more effectively than prior versions, especially in certain borrower segments.
FICO (NYSE: FICO) will hold its wholesale mortgage score price at $10 for lenders and brokers enrolled in its Preferred Program. The price is unchanged year over year and covers a bundle of Classic FICO Score and FICO Score 10T. It is available through participating tri-merge reseller partners to lenders that have committed to FICO.
Fair Isaac (NYSE: FICO) will report its fourth quarter fiscal 2026 financial results after market close on November 4, 2026. The company will host a conference call that day at 5:00 p.m. Eastern time, with a webcast available on its investor website. A webcast replay will remain available in the Event Calendar under Past Events through November 4, 2027.
FICO (NYSE: FICO) reported that average active UK credit card balances exceeded £2,000 for the first time in August 2026. Average balances reached £2,005, up 1.2% month-on-month and 4.8% year-on-year. Average spending was £840, up 3.1% monthly and 3.3% annually.
The share of balances paid fell to 33.3%, down 1.1% month-on-month and 3.1% year-on-year. Accounts missing one payment represented 1.4% of accounts, down 7.1% monthly but up 5.1% annually. Two-missed-payment accounts rose 2.8% monthly and 9.5% annually; three-missed-payment accounts fell 0.7% monthly but rose 16.4% annually.
Average credit limits reached £6,010. Average overlimit spending was £95, down 3.1% monthly but up 3.3% annually. FICO urged risk teams to monitor payment rates and overlimit usage as inflation and energy costs add pressure to household finances.
FICO (FICO) named eight independent judges to evaluate customer implementations for its 2027 Decision Awards, now in their 15th year. The entry deadline has been extended to October 21, 2026, and winners will be announced in February 2027.
The panel comprises Vitor Cavalcanti, Emilia David, Amy Lamb, Adam Mills, Jim Mortensen, Melisa Osores, Rob Strechay and Jaime Vargas. Judges include journalists, analysts and previous award winners. The refreshed categories are AI & Analytics, Digital Transformation, Customer Lifecycle, Decision Management Innovation, Fraud & Scam Defense, Financial Inclusion & Empowerment, Pioneer Award and Industry Vanguard Award.
Winners will receive recognition at FICO World, April 19–22, 2027, in San Diego. Winning implementations will feature in conference activities, and two representatives from each winning company will receive complimentary conference passes.
FICO (NYSE: FICO) released its 2026 State of Responsible AI study, examining enterprise adoption, decision explainability and barriers to returns.
Developed with Corinium Global Intelligence, the study surveyed 1,004 senior technology, risk and data leaders. Only 5.2% were very confident explaining AI-driven decisions to regulators and customers, while 71.5% of customer-impacting decisions were made without AI. Although 85.1% said AI met or exceeded their return-on-investment expectations, only 8.2% had a single shared AI deployment platform fully in place.
Resistance to change and a lack of shared AI understanding were the leading barriers to internal alignment. For agentic AI, 2.4% reported broad deployment across customer-facing uses, while 71.5% remained in exploration or pilots. Security concerns and data integration or quality challenges were the most-cited barriers to returns from agentic AI.