US Market News
3週前
FICO Announces New Stock Repurchase Authorization, New Term Loan and Accelerated Share Repurchase ProgramJune 8, 2026 9:15 AM
Business Wire FICO (NYSE:FICO), a global analytics software leader, today announced that its Board of Directors has approved a stock repurchase program to acquire up to $2.0 billion of the company’s outstanding common stock. This new program replaces the remaining availability under FICO’s previous $1.5 billion stock repurchase program. The new stock repurchase program, which is open-ended, allows the company to repurchase its shares from time to time in the open market and in negotiated transactions, including accelerated share repurchase programs like the one described below. Also on June 5, 2026, FICO entered into an amendment to its credit agreement to, among other things, provide for an incremental term loan in the amount of $1.5 billion, the full amount of which was drawn on June 5, 2026. FICO intends to use the proceeds of the term loan to fund an accelerated share repurchase (ASR) program pursuant to an agreement it has entered into with Wells Fargo Securities, Inc. (“Wells Fargo”). Pursuant to the ASR agreement, on June 8, 2026, FICO will make an upfront payment of $1.5 billion to Wells Fargo and FICO expects to receive an initial delivery of approximately 1,055,100 shares of common stock, providing the company with prompt share count reduction. The final number of shares to be repurchased will be based on the volume-weighted average price of the company’s common stock during the term of the ASR agreement, less a discount and subject to customary adjustments. At final settlement, the company may receive additional shares or, under certain circumstances, may be required to deliver shares or make a cash payment pursuant to the terms of the ASR agreement. The transactions under the ASR agreement are expected to be completed by the end of FICO’s current fiscal year, September 30, 2026. About FICO FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at https://www.fico.com/en Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/ For FICO news and media resources, visit https://www.fico.com/en/newsroom FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries. Statement Concerning Forward-Looking Information Except for historical information contained herein, the statements contained in this news release that relate to FICO, its business and the ASR are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the impact of macroeconomic conditions on FICO’s business, operations and personnel, the success of the Company’s business strategies, the maintenance of its existing relationships and ability to create new relationships with customers, distributors and other business partners, its ability to continue to develop new and enhanced products and services and to enter new markets, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use or costs of consumer credit and other data, the failure to protect such data, the failure to realize the anticipated benefits of any acquisitions, or divestitures, and material adverse developments or uncertainty in global economic conditions or in the markets or industries that the Company serves. Additional information on these risks and uncertainties and other factors that could affect FICO’s future results are described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2025 and its subsequent filings with the SEC. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. Investors are cautioned not to place undue reliance on any such forward-looking statements, which speak only as of the date they are made. FICO disclaims any intent or obligation to update these forward-looking statements, whether as a result of new information, future events or otherwise. View source version on businesswire.com: https://www.businesswire.com/news/home/20260608352343/en/ Investors/Analysts:
Dave Singleton
(800) 459-7125
investor@fico.com Original: FICO Announces New Stock Repurchase Authorization, New Term Loan and Accelerated Share Repurchase Program
US Market News
3週前
Vietnam Maritime Bank Achieves 200% Faster Loan Approvals with Intelligent Decisioning from FICOJune 4, 2026 7:24 PM
Business Wire MSB partners with FICO and Blitz to transform lending operations, accelerating decisions and reducing risk across its eight-million-strong customer base FICO (NYSE: FICO) - Vietnam Maritime Bank (MSB), one of Vietnam's most established financial institutions, has achieved a 200% improvement in loan approval speed using FICO's proven and powerful decisioning capabilities, implemented in partnership with regional technology specialist Blitz in just 10 months. By reducing loan turnaround time from 30 to 15 minutes, the solution is already reshaping how MSB serves its more than eight million retail customers and nearly 100,000 business clients. The intelligent decisioning system combines AI and machine learning models with rule-based decisioning to automate and standardize credit approval processes, dramatically reducing manual error rates and enabling MSB to bring new digitized lending products to market faster across a range of customer segments. “The bank can now approve loans with a level of speed and accuracy that was previously unattainable,” said Mr. Nguyen Quang Man, Deputy Chief Risk Officer of MSB and Steering Committee member for the Decision Engine Implementation Project. “The ability to adapt quickly as market conditions evolve gives MSB a real competitive edge. We are excited to explore how we can extend our partnership with FICO and Blitz into customer management and debt collection as the next phase of the transformation.” For a bank operating 260 branches, nearly 400 international correspondent banking relationships, and a workforce of over 7,000 people, the ability to make faster, more consistent credit decisions at scale is a significant operational shift. FICO’s advanced decisioning capabilities standardize policy rules across the institution, ensuring that every loan assessment reflects the same logic and risk appetite, regardless of channel or product type. "MSB set out to solve a real business problem: how do you grow your lending book and serve customers faster without compromising on risk?” said Timothy Choon, Senior Director, ASEAN North at FICO. “The outstanding results demonstrate the power of advanced analytics and decision management technology in revolutionizing banking operations. MSB's success story serves as an inspiring example for financial institutions across Asia looking to enhance their competitive advantage through intelligent automation.” “Bringing together FICO's intelligent decisioning technologies with local support is where Blitz adds real value,” said Mr. Chia Han Meng, CEO of Blitz. “MSB's results prove that when implementation expertise is matched with the right solution, the outcomes for customers, and for the business, are transformative. MSB now has a decisioning infrastructure that can scale with its ambitions.” About MSB Established in 1991, MSB has consistently reached significant milestones within the banking and financial sector. Currently, MSB operates a nationwide network of 260 branches and transaction offices, complemented by a global reach through nearly 400 correspondent banks across 45 countries and territories. With a dedicated team of over 7,000 employees, MSB currently supports a robust customer base of over 8 million individuals and businesses. About the Technology FICO’s intelligent decisioning solution enables organizations to automate and govern complex decision-making at scale, combining the power of AI and machine learning models with rules-based business logic. The solution gives financial institutions the speed, flexibility, and control to rapidly adapt their decisioning logic to changing market and regulatory conditions, without heavy IT dependency. About Blitz Blitz is a leading technology solutions provider specializing in risk, compliance and digital transformation for financial institutions across Southeast Asia. The company delivers innovative solutions that help banks and financial services organizations enhance their operational efficiency and customer experience through advanced technology implementations. About FICO FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at https://www.fico.com Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/ For FICO news and media resources, visit https://www.fico.com/newsroom FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries. View source version on businesswire.com: https://www.businesswire.com/news/home/20260603457301/en/ Neil Mirano
RICE for FICO
+65 3157 5680
neil.mirano@ricecomms.com Saxon Shirley
FICO
+65 9171 0965
saxonshirley@fico.com Original: Vietnam Maritime Bank Achieves 200% Faster Loan Approvals with Intelligent Decisioning from FICO
US Market News
1月前
FICO UK Credit Card Market Report: March 2026May 28, 2026 4:00 AM
Business Wire Fuel crisis increases pressure on affordability as spending and payments dip, with more customers missing one, two and three payments year-on-year The latest credit card data analysis by global analytics software leader FICO (NYSE: FICO) reveals clear signs of the impact of the fuel crisis prompted by the Strait of Hormuz blockade. Spending declined ahead of the Easter period, while payment rates continued to decline, reflecting the structural affordability challenges that have characterised the market since 2025. Concerningly, delinquency rates for customers missing one or two payments have increased both month-on-month and year-on-year, with one missed payment in particular echoing the significant spike seen in March 2025. Highlights Average spending fell by 6.6% month-on-month, to £740, but experienced a marginal increase of 0.3% year-on-year The average active balance is 4.3% higher year-on-year The percentage of overall balance paid decreased 1% month-on-month and 3.7% year-on-year The percentage of customers missing one payment rose increased 29.5% month-on-month The percentage of customers missing two payments rose by 11.3% month-on-month and 14.3% year-on-year Average balances of accounts with one, two or three missed payments fell slightly month-on-month but remain higher than in March 2025 FICO Comment: On-going pressure on personal finances, undoubtedly exacerbated by the fuel crisis pushing up the cost of petrol and diesel, is likely to have contributed to decreased spending in March compared to February, as well as the typical pre-Easter spending patterns. Continuing the modest post-Christmas balance reduction trend seen in recent months, the average active balance decreased by 0.8% month-on-month to £1,925. However, balances remain 4.3% higher year-on-year, maintaining the elevation that has defined the market since early 2025. Decreasing by 1% month-on-month, the percentage of overall balance paid continued the expected downward seasonal trend, falling to 33%, ahead of the expected summer increase. This figure remains 3.7% lower than the previous year, though it is encouraging to see a continued narrowing of the year-on-year gap compared to the 6-7% declines seen throughout much of 2025. While payment rates remain at low levels, the easing of the year-on-year deterioration may indicate some early signs of stabilisation. An area of concern for risk teams will, however, be the fact that March saw notable increases across early and mid-stage late payment categories. The sharp 29.5% month-on-month increase in customers missing one payment reflects a recurring pattern of March stress that was also evident in 2025. The 14.3% year-on-year increase in customers with two missed payments is especially notable and warrants careful monitoring to assess whether this represents a seasonal spike or a more sustained deterioration. All delinquency account categories remain higher year-on-year, representing a concerning shift from the improvements seen at this time last year. The continued moderation in delinquent balance year-on-year growth rates, particularly for two and three missed payments offers some encouragement, though the overall picture remains one of persistent structural stress. Risk teams should closely monitor the progression of March's one-missed-payment spike into two and three missed payments over the coming months. Collections strategies may need to be calibrated to address the higher balance levels now characteristic of delinquent accounts, particularly as seasonal spending begins to increase in spring and summer. Key Trend Indicators – UK Cards March 2026 Metric Amount Month-on-Month Change Year-on-Year Change Average UK Credit Card Spend £740 -6.6% +0.3% Average Card Balance £1,925 -0.8% +4.3% Percentage of Payments to Balance 33.0% -1.0% -3.7% Accounts with One Missed Payment 1.7% +29.5% +1.5% Accounts with Two Missed Payments 0.4% +11.3% +14.3% Accounts with Three Missed Payments 0.2% -1.0% +6.8% Average Credit Limit £5,950 +0.1% +2.0% Average Overlimit Spend £100 +6.3% +5.2% Cash Sales as a % of Total Sales 0.8% -0.1% -3.5% Source: FICO These card performance figures are part of the data shared with subscribers of the FICO® Benchmark Reporting Service. The data sample comes from client reports generated by the FICO® TRIAD® Customer Manager solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO. About FICO FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com. FICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries. View source version on businesswire.com: https://www.businesswire.com/news/home/20260528546687/en/ For further press information please contact:
FICO UK PR Team
Wendy Harrison/Matthew Enderby
ficoteam@harrisonsadler.com
0208 977 9132 Original: FICO UK Credit Card Market Report: March 2026
US Market News
1月前
FICO to Present Free Credit Education Workshops at Select Citi BranchesMay 14, 2026 8:00 AM
Business Wire FICO’s Score A Better Future™ Program brings expert-led financial literacy sessions to select Citi branches across the U.S. Global analytics software leader, FICO (NYSE:FICO) is hosting a series of free credit education workshops at select Citi branches nationwide through FICO’s Score A Better Future™ (SABF) program. These workshops are designed to empower individuals in traditionally underserved communities with the knowledge and tools to make informed financial decisions and prepare for life milestones, such as renting an apartment, buying a home, owning a business, or advancing education. The SABF workshops will offer expert-led guidance on understanding credit, budgeting, and long-term financial planning. Attendees will learn how to read credit reports, understand the factors that influence their FICO® Score, and take actionable steps toward their financial health. On-site financial and credit specialists from FICO will discuss the benefits of counseling and offer guidance to help attendees plan their financial goals. Building on the success of several previous workshops together, FICO and Citi will host a dozen free credit education events throughout 2026, with several taking place at new state-of-the-art Citi locations. The series will kick off on Thursday, May 28, 2026, at Citi’s new flagship branch located at One California Street in Downtown San Francisco. Subsequent workshops are planned for branches in states including Florida, New York, and Illinois. Interested individuals can sign up for the San Francisco event and find more information here: https://www.fico.com/sabf/. “Making informed money decisions is essential to economic mobility and overall wellness,” said Mindy Mercaldo, Head of U.S. Branch Network at Citi. “Through our collaboration with FICO, Citi is helping to deliver vital financial education directly to communities, providing individuals with the knowledge to better understand and manage their credit, build financial health, and work towards their personal goals." A FICO-sponsored Harris poll on financial literacy underscores the urgency of these efforts: 98% of Americans — and 99% of Gen Z adults — say financial literacy is essential to financial stability, while 74% believe they’d be better off today if they had more access to personal finance education and resources. “Your credit score is more than a number, it’s a powerful indicator of financial readiness and a key that unlocks opportunity,” said Jenelle Dito, vice president of Consumer Empowerment Programs and Partnerships at FICO. “SABF was created to provide people with clear and practical guidance they can use immediately. We’re proud to work with Citi to help people build stronger financial futures.” Each SABF workshop is free and open to the public. Attendees are encouraged to register in advance at https://www.fico.com/sabf/. To learn more about the Score A Better Future™ program, visit: https://www.fico.com/sabf About Citi Citi is a preeminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in its home market of the United States. Citi does business in more than 180 countries and jurisdictions, providing corporations, governments, investors, institutions and individuals with a broad range of financial products and services. Additional information may be found at www.citigroup.com | X: @Citi | LinkedIn: www.linkedin.com/company/citi | YouTube: www.youtube.com/citi | Facebook: www.facebook.com/citi Citibank, N.A. is a Member FDIC. About Score A Better Future™ Score A Better Future is FICO’s free credit education program hosted across the country to teach consumers about the key ingredients in the FICO® Score, and connect them to free, one-on-one counseling from certified not-for-profit counselors tailored to their individual financial health and goals. About FICO FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at https://www.fico.com Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs For FICO news and media resources, visit https://www.fico.com/en/newsroom FICO and Score A Better Future are trademarks or registered trademarks of Fair Isaac Corporation in the U.S. and other countries. View source version on businesswire.com: https://www.businesswire.com/news/home/20260514131077/en/ FICO Media Contact
press@fico.com
Citi Media Contact
Hilary.Weissman@citi.com Original: FICO to Present Free Credit Education Workshops at Select Citi Branches
US Market News
2月前
First-of-Its-Kind Independent Study Finds FICO® Score 10T the Most Predictive Credit Score for Mortgage LendingMay 4, 2026 12:00 PM
Business Wire
New white paper by Milliman shows FICO Score 10T outperforms VantageScore 4.0 on all mortgage types, including GSE and FHA loans
Global analytics software leader FICO (NYSE: FICO) is elevating findings from a newly released white paper by independent actuarial firm Milliman, which found that FICO® Score 10T is the most predictive credit score for evaluating mortgage default risk. The analysis was performed across all mortgages, including Fannie Mae/Freddie Mac and FHA mortgages, with consistent results across each population.
The Milliman analysis is the first independent, head-to-head study to evaluate the predictive performance of two new modern scores, FICO Score 10T and VantageScore 4.0, using a large historical sample of U.S. mortgage originations covering multiple distinct time periods from 2011 to 2023. According to the results of the Milliman study, FICO Score 10T produced higher measures of predictive power and, therefore, risk differentiation across multiple mortgage product types, reinforcing its value for lenders, investors, and the broader housing finance system.
Key findings from the Milliman analysis include:
FICO® Score 10T performed better, as measured by three calculations of predictive power, across all types of mortgage loans: In an analysis of nearly 20 million mortgages, Milliman found that FICO Score 10T consistently predicted mortgage defaults more accurately than VantageScore 4.0 across all mortgages and individually for GSE and FHA loans.
The performance advantage was strongest in FHA lending: FICO Score 10T outperformed VantageScore 4.0 by more than 8%1 in FHA lending, the segment that serves first-time homebuyers and underserved borrowers, demonstrating that the more predictive score also delivers the greatest advantage for the people for whom an accurate credit assessment can make or break a path to sustained homeownership.
FICO Score 10T's performance advantage over VantageScore 4.0 has more than doubled since 2018: The analysis also shows that the performance difference between FICO Score 10T and VantageScore 4.0 is greatest for more recent origination years and generally populations with more observed defaults. For example, in the 2023 GSE loan vintage, FICO Score 10T outperformed by 7.4%, more than double the already impressive 3.4%2 improvement observed on the 2018 vintage. This result highlights the robustness of FICO Score 10T and the time-tested, proven FICO blueprint it is based on that has earned the trust of the mortgage industry for over 30 years.
FICO Score 10T incorporates trended credit data and rental payment information when available in the credit bureau file, offering a more complete view of borrower behavior while avoiding model features of the alternate credit score that disadvantage first-time homebuyers or those without prior homeownership history.
"FICO has been a cornerstone of mortgage credit risk for decades,” said Julie May, vice president and general manager of B2B Scores at FICO. “As we enter a new chapter of credit score policy, the conversation about which score is best should be grounded in facts, specifically, an empirical comparison of the modern scores. The scores use the same data — rental, utility and trended. The difference is in how we use the data and this Milliman study confirms what more than 50 lenders have already seen in practice: our use of the data in FICO Score 10T delivers the strongest predictive performance available for mortgage lending today and can be trusted to continue to deliver that predictive performance for years to come.”
The analysis was prepared independently by Milliman as part of a consulting engagement with FICO, and reflects Milliman’s own methodology and conclusions. The full white paper is available at https://www.milliman.com/en/insight/fico-score-10t-vantagescore-4-analysis-credit-mortgage.
Free Access to FICO Score 10T Lower-Cost Path to Adoption
To ensure lenders can evaluate the findings for themselves, FICO Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Program, enabling side-by-side testing without requiring lenders to pay for an additional score.
More than 55 mortgage lenders representing $557 billion in originations and $1.6 trillion in mortgage servicing portfolios have already signed up for the FICO Score 10T Free Access Program including Rate, Guild, Cross Country Mortgage, Planet Home and more. As lenders navigate an increasingly complex risk environment, FICO is elevating awareness of the program to ensure the market knows that access is available today.
In addition, through the FICO Mortgage Direct License Program, FICO has introduced a simplified and transparent pricing model for lenders ready to deploy FICO Score 10T in production. Under the program, FICO Score 10T is priced at $0.99 per score with a $65 funding fee, providing a lower-cost alternative to legacy distribution models while preserving pricing transparency.
"Credit score modernization is one of the most consequential shifts the mortgage market has seen in decades, and lenders need the ability to evaluate their options with real data,” added May. “We've removed every barrier we can with the FICO Score 10T Free Access Program, and our newest and most predictive credit score is available for free alongside the score lenders already know and trust. The performance findings speak for themselves; we want to make sure every lender has the chance to see them."
For more information on how to sign up visit the FICO Score 10T Migration Resource Center.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com.
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs.
For FICO news and media resources, visit https://www.fico.com/en/newsroom.
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
_________________________
1 According to Milliman, FICO 10T provided 8.2% relative improvement in bottom decile lift on FHA-backed loans when compared to VantageScore 4.0.
2 As measured by relative improvement in Kolmogorov-Smirnov (K-S) Statistic.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260504146594/en/
Media Contacts
press@FICO.com
Original: First-of-Its-Kind Independent Study Finds FICO® Score 10T the Most Predictive Credit Score for Mortgage Lending
US Market News
2月前
Absa Bank Strengthens Fraud Prevention, Fraud Investigation Customer Communication and Improves Collections Outcomes Using FICO TechnologyApril 27, 2026 4:00 AM
Business Wire
South African banking leader innovates with WhatsApp and FICO® Customer Communication Services to engage customers instantly and drive measurable results
Absa Group Limited, one of South Africa’s “big 5” banks, has dramatically improved debt collection strategies and fraud protection using customer communications technology from global analytics software leader FICO (NYSE:FICO). By using WhatsApp to instantly confirm suspected fraud transactions with customers, Absa improved self-solve cases by 47% for digital and card fraud and prevented significantly more fraud. Furthermore, Absa improved fraud investigation customer communication by 121%, leading to improved fraud customer experience throughout the investigation stages. For its results in both fraud management and debt collection, Absa has won a 2026 FICO® Decision Award, chosen by an independent panel of judges.
More information: https://www.fico.com/en/customer-lifecycle/contact-and-communicate
“Absa serves 13 million customers across Africa, and therefore recognized the critical need for constant adaptation and innovation in fraud prevention strategies. Absa operates within a dynamic banking environment shaped by rising fraud risks, customer vulnerabilities, and mounting regulatory pressures. To protect our customers and support them when they need us most, we needed smarter, faster ways to communicate," said Ally Mafunzwaini, Executive of Absa Fraud Solutions.
Against a backdrop of high inflation, interest rate increases and mounting pressure on South African households in recent years, Absa took proactive steps to help customers remain on track with their credit commitments and protect themselves against elevated fraud attempts. Absa collaborated with FICO to improve both fraud prevention and debt collection strategies through deploying FICO® Customer Communication Services (CCS) in both areas.
Groundbreaking WhatsApp Integration Delivers Measurable Results
Working with FICO, Absa became the first bank among South Africa's “big 5” and the only pan-African bank to use WhatsApp for fraud prevention and customer communication throughout the fraud case journey. Absa integrated FICO CCS with its fraud detection infrastructure, specifically FICO® Falcon® Fraud Manager, to deliver real-time, two-way fraud verification via WhatsApp.
When suspicious activity is detected, CCS initiates an interactive message to the customer via WhatsApp conversation within milliseconds, or a recorded voice note or SMS if the customer does not have a smartphone. Customers can instantly confirm whether the transaction is legitimate or fraudulent. If it’s fraudulent, CCS automatically brings a fraud representative into the conversation.
Similarly, Absa deployed FICO CCS to improve communications with customers in collections. The bank currently uses both voice and WhatsApp channels to communicate with customers in distress. FICO optimization is used to segment customers by risk profile with greater granularity. This helps Absa to design differentiated treatment paths, from low-cost digital nudges to high-touch restructures.
Strong Results in Fraud Prevention and Collections
The bank's integrated approach has delivered measurable business and customer outcomes across both fraud prevention and collections strategies. Results include:
Improved fraud containment rate: With the introduction of WhatsApp, Absa increased the containment rate (percentage of frauds that are successfully resolved at the initial point of contact) by 29% in card fraud and 33% in digital fraud.
Faster customer service: CCS interactions are now independent of human assistance, which has improved efficiency and customer experience.
More fraud stopped: Preventions value for digital and card fraud also increased significantly in 2025 compared to 2024.
Rise in collections promise to pay: Absa more than doubled customer promises to pay since adding WhatsApp channel to its communications strategy.
Rise in amounts collected: The amounts steadily increased from 2024 to 2025, with year-on-year growth more than doubling.
“Together, these initiatives powered by FICO have transformed how Absa engages with customers during moments of financial stress and fraud risk,” said Moremi Mabe, Head of Collections (Absa Home Loans). “Customers now experience timely, personalized, and empathetic communication.”
“Absa's fantastic results demonstrate the power of deploying intelligent omni-channel communications technology across the credit lifecycle,” said Nikhil Behl, president of software at FICO. “Their commitment to innovation and customer protection exemplifies the kind of forward-thinking leadership we celebrate with the FICO Decision Awards.”
“The judges were impressed by Absa’s strong results improving customer communications across the business,” said Lisa Morgan, technology journalist and contributor at InformationWeek, who was a FICO Decision Awards judge. “Absa has clearly improved customer trust using FICO’s technology.”
About the FICO® Decision Awards
The FICO Decision Awards recognize organizations that are achieving remarkable success using FICO solutions. A panel of independent judges with deep industry expertise evaluates nominations based upon measurable improvement in key metrics; demonstrated use of best practices; project scale, depth and breadth; and innovative uses of technology. The 2026 judges are:
Sam Abadir, research director, risk & compliance, IDC Financial Insights
Shrimanth Adla, senior director, credit risk strategy and analytics, Comcast
Manoj Agrawal, group editor, Banking Frontiers
Courtney Haan, strategic produce manager for fraud products, Velera (Previous Winner)
Shelly Kramer, principal analyst at Kramer & Company and theCube Research
Andy Lawrie, credit risk tech lead at Nationwide Building Society (Previous Winner)
Lisa Morgan, technology journalist and contributor at InformationWeek
Déborah Oliveira, founder and editor-in-chief at IT Forum
The winners of the FICO Decision Awards will be spotlighted at and win tickets to FICO® World 2026, May 19-22, 2026, at the Signia By Hilton hotel, Orlando, Florida.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/newsroom
FICO and Falcon are registered trademarks of Fair Isaac Corporation in the U.S. and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260427314883/en/
For further press information please contact:
FICO UK PR Team
Wendy Harrison/Matthew Enderby
ficoteam@harrisonsadler.com
0208 977 9132
Original: Absa Bank Strengthens Fraud Prevention, Fraud Investigation Customer Communication and Improves Collections Outcomes Using FICO Technology
US Market News
2月前
Erste Group Offers Tailored Financing Solutions Across Countries Using FICO AIApril 20, 2026 4:00 AM
Business Wire
Leading financial services provider in Central and Eastern Europe uses AI-powered decision optimization across products and areas from lending to collections
Erste Group Bank AG, the leading financial services provider in Central and Eastern Europe, has deployed optimization technology from FICO (NYSE: FICO) to enhance its customized pricing and limit strategies in order to offer tailored and more flexible financing terms. Customers benefit from optimization for mortgages, cash loans and other retail products. This project has earned Erste Group Bank a 2026 FICO® Decision Award for AI, Machine Learning & Optimization.
More information: https://www.fico.com/en/platform/enterprise-optimization
The journey of mathematical optimization within Erste Group has been unfolding for nearly 14 years. Since then, Erste Group has been rolling out optimized strategies across decision areas and products. Mathematical optimization enhances traditional pricing approaches that relied primarily on expert judgment.
Mathematically optimized pricing for loans supports the bank’s risk management and business by enabling limits to be set more accurately than through human judgement alone. This not only allows the bank to make more precise and flexible financing decisions for its customers, it also strengthens measures to prevent over-indebtedness. When applying mathematical optimization, protecting customer data is a key priority for Erste Group. Mathematical optimization models rely solely on the financial parameters of each financing case and do not use any personal customer data.
One project that has benefitted from the use of FICO Decision Optimizer is pricing for small business unsecured installment loans. The original setup relied heavily on manual decision making—nearly 90% of loan pricing was driven by branch-level price exceptions. By combining machine learning models that predict individual client behavior (take-up, prepayment, and risk) with mathematical optimization, Erste Group enabled individualized pricing at scale, while significantly reducing manual exceptions, and experienced a 22% profit increase.
The implementation of FICO’s mathematical optimization across Erste Group has also delivered measurable improvements for its clients. For the bank, it aligned with its strategic goals of strengthening profitability, customer satisfaction, and operational efficiency. This ensures a mutually beneficial outcome for both the client and the bank.
To expand its success with FICO optimization, the banking group created an Optimization Expert role to guide selected bank analysts through the entire optimization process. This includes sharing know-how, supporting data preparation, leading the development of component models, helping to build complete solutions with FICO optimization, and assisting with deployment and evaluation.
“Erste Group Bank has consistently innovated in its use of mathematical optimization to power smarter decisions,” said Nikhil Behl, president, software at FICO. “They have proven results in multiple areas, demonstrating their excellence and the gains that this technology provides across the enterprise. FICO considers them one of the most advanced users of optimization in retail banking today.”
For its achievements, Erste Group Bank AG won a 2026 FICO® Decision Award for AI, Machine Learning & Optimization.
“The judging panel was impressed by how Erste Group Bank extended results from one country to multiple regions,” said Shrimanth Adla, senior director, credit risk strategy and analytics, Comcast, and one of the FICO Decision Awards judges. “They have made AI-powered strategies into an analytic advantage.”
About Erste Group Bank AG
Erste Group is the leading financial services provider in the eastern part of the EU. Its ca. 55,000 employees serve around 23 million customers across 8 core markets (Austria, Croatia, Czechia, Hungary, Poland, Romania, Serbia, and Slovakia), including through over 2,100 branches. Founded in 1819 as the first savings bank in Austria, Erste Group went public in 1997 with a strategy to expand across Central and Eastern Europe. For over 200 years, Erste has been committed to creating prosperity for its customers with a wide range of products and personalised services. For more information, please visit:
www.erstegroup.com
About the FICO® Decision Awards
The FICO Decision Awards recognize organizations that are achieving remarkable success using FICO solutions. A panel of independent judges with deep industry expertise evaluates nominations based upon measurable improvement in key metrics; demonstrated use of best practices; project scale, depth and breadth; and innovative uses of technology. The 2026 judges are:
Sam Abadir, research director, risk & compliance, IDC Financial Insights
Shrimanth Adla, senior director, credit risk strategy and analytics, Comcast
Manoj Agrawal, group editor, Banking Frontiers
Courtney Haan, strategic product manager for fraud products, Velera (Previous Winner)
Shelly Kramer, principal analyst at Kramer & Company and theCube Research
Andy Lawrie, credit risk tech lead at Nationwide Building Society (Previous Winner)
Lisa Morgan, technology journalist and contributor at InformationWeek
Déborah Oliveira, founder and editor-in-chief at IT Forum
The winners of the FICO Decision Awards will be spotlighted at and win tickets to FICO® World 2026, May 19-22, 2026, at the Signia By Hilton hotel, Orlando, Florida.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260420447954/en/
press@fico.com
Original: Erste Group Offers Tailored Financing Solutions Across Countries Using FICO AI
US Market News
3月前
UK Credit Cards in 2025: Balances Reached New Highs While Payments FellMarch 16, 2026 8:30 AM
Business Wire
Persistent affordability pressures push up average balances despite lower spending as consumers actively curtail discretionary expenditure
According to analysis of its credit card data for 2025 by global analytics software leader FICO (NYSE: FICO), there was a fundamental shift in market dynamics from traditional cyclical patterns to clear management of affordability challenges. The year was characterised by consumers struggling to manage existing debt levels, with average balances reaching record highs while payment rates fell.
Highlights
The upward trajectory of average balances was the defining trend of 2025, with year-on-year growth above 4.5% every month, reaching an all-time high of £1,950 in December
There was also a deterioration in payment rates, with every month falling below 2024 levels
The number of customers missing one payment dropped year-on-year, but the percentage of customers missing two and three payments trended upwards from May and June respectively, for the remainder of the year
The number of customers using credit cards to withdraw cash followed seasonal trends, with summer peaks and winter troughs, but remained lower than in 2024
The data shows a very clear picture of consumers actively curtailing expenditure due to persistent affordability pressures. Spend was consistently lower than in 2024, average balances were higher and the percentage of overall balance paid dropped year-on-year.
Spending in Decline
From March 2025, as the cost of living increased, year-on-year spending declines persisted. Although it followed the expected seasonal patterns, with December reaching £831 and June peaking at £826, year-on-year these represented reductions compared to 2024.
Balances Rising
However, whilst spend dropped, balances did not, further underlining affordability pressures felt by UK households. Starting from £1,849 in January (+4.6% YoY), balances reached an all-time high of £1,950 by December (+4.8% YoY), with sustained elevation throughout the year. The persistent growth, occurring alongside reduced spending, clearly demonstrates the impact of deteriorating payment behaviours.
2025 saw a deterioration in the percentage of overall balance paid, with every month falling below 2024 levels. Beginning at 36.3% in January (-3.4% YoY), payment rates declined throughout the year, reaching 33.4% in November (-7.4% YoY) before stabilising at 33.4% in December (-6.8% YoY).
Missed Payments
The picture for missed payments also illustrates the juggling act many households faced through the year. Fewer accounts missed one payment than in 2024. However, the average balance for accounts missing one payment is higher than in 2024, and has been growing at a faster rate since May. This indicates that when customers experience payment difficulties in early delinquency, they do so with substantially higher debt loads than previous cohorts. Average balances for accounts with one missed payment reached £2,440 by December, representing an 8.2% year-on-year increase.
The percentage of customers missing two and three payments has trended upwards since the middle of the year and the average balance has also increased since 2024. Accounts with two missed payments peaked at £2,938 in November (+4.9% YoY) and those with three missed payments rose to £3,324 in December (+4.1% YoY).
The Picture for 2026
Heading into 2026, with other economic indicators still illustrating financial pressures, pre-delinquency intervention strategies will be critical for lenders, with authorisation transaction approvals closely monitored as customers reach their limit. Flexible payment options, affordability reviews, and balance management tools such as spending alerts and caps will help to prevent customers from accumulating high balances in early-stage delinquency.
These card performance figures are part of the data shared with subscribers of the FICO® Benchmark Reporting Service. The data sample comes from client reports generated by the FICO® TRIAD® Customer Manager solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at www.fico.com.
FICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260316852690/en/
For further press information please contact:
FICO UK PR Team
Wendy Harrison/Matthew Enderby
ficoteam@harrisonsadler.com
0208 977 9132
Original: UK Credit Cards in 2025: Balances Reached New Highs While Payments Fell
US Market News
4月前
Gartner® reconoce a FICO en su informe 2026 sobre Capacidades Críticas para plataformas de inteligencia de decisionesFebruary 11, 2026 11:00 AM
Business Wire
FICO fue reconocida en los casos de uso de Análisis de Decisiones, Ingeniería de Decisiones, Ciencia de Decisiones y Gestión de Decisiones en el informe de Capacidades Críticas de Gartner®
FICO, líder mundial en software de analítica de datos, ha anunciado hoy que Gartner la ha reconocido en el informe Gartner® Critical Capabilities for Decision Intelligence Platforms 2026. El informe Critical Capabilities (Capacidades Críticas) evaluó a FICO, el cual clasificó a los proveedores en los siguientes cuatro casos de uso de capacidades críticas: análisis de decisiones, ingeniería de decisiones, ciencia de decisiones y gestión de decisiones.
FICO se posicionó en segundo lugar en todos los casos de uso y considera que este reconocimiento valida su estrategia para afrontar los retos actuales y las oportunidades futuras con agilidad y rapidez.
Para leer el informe completo Critical Capabilities de Gartner® 2026, visite: https://www.fico.com/en/gartner-cc-2026-decision-intelligence-platforms.
Las plataformas de inteligencia decisional (DIP, por sus siglas en inglés) pueden ayudar a los líderes de analítica de datos a abordar y satisfacer necesidades críticas al proporcionar software para el desarrollo de servicios de decisión que respalda, mejora y automatiza la toma de decisiones de personas o máquinas. Todo ello gracias a la combinación de datos, análisis, conocimientos y técnicas de inteligencia artificial.
Los casos de uso de las DIP, que definimos como análisis de decisiones, ingeniería de decisiones, ciencia de decisiones y gestión de decisiones, reflejan los perfiles de los usuarios y las habilidades de inteligencia de decisiones necesarias para definir, gestionar, observar y colaborar a lo largo del ciclo de vida de las decisiones.
“Creemos que este reconocimiento valida nuestra visión de la Plataforma FICO, ya que seguimos dando forma al futuro de la empresa inteligente y subraya por qué nuestros clientes depositan su confianza en FICO”, afirmó Nikhil Behl, presidente de software en FICO. “La Plataforma FICO destaca en la ingeniería de decisiones al permitir a nuestros clientes componer y poner en práctica servicios de decisión escalables a través de un enfoque centrado en el negocio con capacidades de inteligencia artificial y transmisión de datos de primera clase” añadió.
Este informe sigue al reciente reconocimiento de FICO como líder en el en informe Cuadrante Mágico™ de Gartner® de 2026 para plataformas de inteligencia de decisión.
Para obtener más información sobre los recientes reconocimientos de los analistas a FICO por las capacidades de la Plataforma FICO®, visite: https://www.fico.com/en/awards-recognition
Acerca de Gartner y los informes de capacidades críticas.
Gartner ofrece información práctica y objetiva a los ejecutivos y sus equipos. Su orientación y herramientas expertas permiten tomar decisiones más rápidas e inteligentes y obtener un rendimiento más sólido en las prioridades críticas de la misión de una organización.
El documento Critical Capabilities es un análisis comparativo que puntúa los productos o servicios de la competencia en función de un conjunto de diferenciadores críticos identificados por Gartner. Muestra qué productos o servicios son los más adecuados en diversos casos de uso para ofrecer consejos prácticos sobre qué productos o servicios debe añadir a la lista de proveedores para una evaluación más detallada. Más información sobre el informe Critical Capabilities aquí.
Gartner, Critical Capabilities para la inteligencia de decisión, Carlie Idoine, David Pidsley, Kevin Quinn, Gareth Herschel, Kjell Carlsson, 27 de enero de 2026.
Gartner es una marca comercial de Gartner, Inc. y/o sus filiales.
Gartner no respalda a ninguna empresa, proveedor, producto o servicio descrito en sus publicaciones, y no aconseja a los usuarios de tecnología que seleccionen sólo a los proveedores con las calificaciones más altas u otras designaciones. Las publicaciones de Gartner consisten en las opiniones de la organización de conocimientos empresariales y tecnológicos de Gartner y no deben interpretarse como declaraciones de hecho. Gartner renuncia a todas las garantías, expresas o implícitas, con respecto a esta publicación, incluidas las garantías de comerciabilidad o idoneidad para un fin determinado.
Acerca de FICO
FICO (NYSE: FICO) impulsa decisiones que ayudan a prosperar a personas y empresas de todo el mundo. Fundada en 1956, la empresa es pionera en el uso del análisis predictivo y la ciencia de datos para mejorar las decisiones operativas. FICO posee más de 200 patentes estadounidenses y extranjeras sobre tecnologías que aumentan la rentabilidad, la satisfacción del cliente y el crecimiento de las empresas de servicios financieros, seguros, telecomunicaciones, atención sanitaria, comercio minorista y muchos otros sectores. Gracias a las soluciones de FICO, empresas de más de 80 países realizan todo tipo de tareas, desde proteger 4000 millones de tarjetas de pago contra el fraude hasta mejorar la inclusión financiera y aumentar la resiliencia de la cadena de suministro. La puntuación FICO®, utilizada por el 90 % de los principales prestamistas de EE. UU., es la medida estándar del riesgo crediticio de los consumidores en EE. UU. y está disponible en más de 40 países, lo que mejora la gestión del riesgo, el acceso al crédito y la transparencia. Más información en https://www.fico.com/en. Únase a la conversación en https://x.com/FICO_corp y https://www.fico.com/blogs/ Para noticias y recursos multimedia de FICO, visite https://www.fico.com/en/newsroom
FICO es una marca comercial registrada de Fair Isaac Corporation en Estados Unidos y otros países.
Vea la versión original en businesswire.com: https://www.businesswire.com/news/home/20260211597544/es/
Contacto para medios:
Olivia Castañón
Porter Novelli para FICO
olivia.castanon@omc.com
Marcela Garfias
Porter Novelli para FICO
marcela.garfias@omc.com
Original: Gartner® reconoce a FICO en su informe 2026 sobre Capacidades Críticas para plataformas de inteligencia de decisiones
US Market News
5月前
Grab Finance Expands Credit Access Across Southeast Asia Using FICO Platform, Delivering 22 Workflows in Six CountriesFebruary 4, 2026 8:00 PM
Business Wire
Region’s leading superapp advances financial inclusion for millions by applying advanced decisioning to behavioral data
FICO (NYSE: FICO)
Highlights:
Grab Finance has increased credit offer eligibility rates for its users by nearly 50%
Grab Finance implemented 22 decision workflows across six countries in Southeast Asia in under eight months
Grab Finance has won a 2026 FICO® Decision Award for Financial Inclusion
Grab Finance, the financial services arm of Southeast Asia's leading superapp, is using the industry-leading capabilities of FICO® Platform to transform credit access across the region. By implementing more than 22 decision workflows across six countries, the company has increased credit offer eligibility rates by nearly 50% for its users while serving more than 46 million consumers, plus millions of merchants and drivers across its ecosystem. The transformation has enabled more of Grab’s drivers, merchants, and passengers to not just access formal credit, but to do this at a much faster rate.
The solution uses appropriate behavioral data, including ride frequency, merchant revenues and payment history, supported by the industry-leading capabilities of FICO Platform to enable automated pre-approved offers across Grab’s ecosystem, in line with applicable laws/regulations in the region and Grab’s privacy commitments.
More information: https://www.fico.com/en/fico-platform
“Grab saw a strategic opportunity to make financing in Southeast Asia more accessible by leveraging our superapp ecosystem and behavioral data,” said Andre Tan, Regional Head, Lending Risk Platforms at Grab Finance. “Using FICO Platform, we can deliver contextual, real-time credit offers across multiple verticals within the Grab super app. This enables us to expand financial inclusion by providing credit access for underserved users who are economically active but often overlooked by traditional lenders.”
Breaking Down Barriers: Conquering Southeast Asia's Credit Challenges
Southeast Asia, home to more than 700 million people, has one of the world's largest underbanked populations. Grab Finance saw an opportunity to deliver responsible, scalable credit services across this diverse and complex region, given Grab’s scale and data-rich ecosystem.
One of the key challenges faced by many individuals and businesses in the region as they seek credit was data scarcity arising from their lack of traditional credit bureau history, leaving them with thin or no files at the bureau. Grab needed to develop alternative risk models using in-app behavioral signals, such as ride patterns, merchant activity and payment habits.
“We had millions of drivers and merchants who were invisible to traditional banks but were earning real income every day on our platform," said Tan. “We knew we could change that equation, but we needed technology that could support our efforts to see what conventional credit scoring couldn't.”
Additionally, the fragmented regulatory landscape meant credit, banking and data protection laws differ significantly across Southeast Asian countries, requiring localized compliance and explainability without losing regional consistency.
Rapid Time-to-Value
In less than eight months, FICO was able to deliver phase one of the transformation across six countries Grab operates in, enabling Grab to automate key processes such as credit eligibility assessment. The ambitious project involved 22 separate decision workflows delivered across the region and Grab’s three customer portfolios (driver-partners, passengers and merchant-partners).
“What Grab Finance has accomplished here is remarkable. They've essentially turned everyday digital behavior into a credit passport for millions of people who were previously invisible to traditional banking,” said Nikhil Behl, president, software at FICO. “When a taxi driver in Jakarta can get credit based on their ride patterns, or a food merchant in Bangkok can access working capital through their delivery history, that's not just innovation, it's economic transformation at scale.”
For its achievements, Grab Finance won a 2026 FICO® Decision Award for Financial Inclusion.
“This project drew attention because Grab Finance addressed credit assessment at a regional scale, rather than focusing solely on a discrete technology implementation,” said Sam Abadir, research director, risk and compliance, IDC Financial Insights, and a judge for the FICO Decision Awards. “The judges noted how the organization operationalized regulatory diversity across Southeast Asia within its credit decisioning framework, demonstrating an approach that integrates compliance requirements directly into platform design.”
About Grab Finance
Grab is a leading superapp in Southeast Asia, operating across the deliveries, mobility and digital financial services sectors. Serving over 800 cities in eight Southeast Asian countries – Cambodia, Indonesia, Malaysia, Myanmar, the Philippines, Singapore, Thailand and Vietnam – Grab enables millions of people every day to order food or groceries, send packages, hail a ride or taxi, pay for online purchases or access services such as lending and insurance, all through a single app. We operate supermarkets in Malaysia under Jaya Grocer and Everrise, which enables us to bring the convenience of on-demand grocery delivery to more consumers in the country. As part of our financial services offerings, we also provide digital banking services through GXS Bank in Singapore and GXBank in Malaysia. Grab was founded in 2012 with the mission to drive Southeast Asia forward by creating economic empowerment for everyone. Grab strives to serve a triple bottom line – we aim to simultaneously deliver financial performance for our shareholders and have a positive social impact, which includes economic empowerment for millions of people in the region, while mitigating our environmental footprint.
About the FICO® Decision Awards
The FICO Decision Awards recognize organizations that are achieving remarkable success using FICO solutions. A panel of independent judges with deep industry expertise evaluates nominations based upon measurable improvement in key metrics; demonstrated use of best practices; project scale, depth and breadth; and innovative uses of technology. The 2026 judges are:
Sam Abadir, research director, risk & compliance, IDC Financial Insights
Shrimanth Adla, senior director, credit risk strategy and analytics, Comcast
Manoj Agrawal, group editor, Banking Frontiers
Courtney Haan, strategic payments experience manager, Velera (Previous Winner)
Shelly Kramer, principal analyst at Kramer & Company and theCube Research
Andy Lawrie, credit risk tech lead at Nationwide Building Society (Previous Winner)
Lisa Morgan, technology journalist and contributor at InformationWeek
Déborah Oliveira, founder and editor-in-chief at IT Forum
The winners of the FICO Decision Awards will be spotlighted at and win tickets to FICO® World 2026, May 19-22, 2026, at the Signia By Hilton hotel, Orlando, Florida.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260204753549/en/
Neil Mirano
RICE for FICO
+65 3157 5680
neil.mirano@ricecomms.com
FICO
press@fico.com
Original: Grab Finance Expands Credit Access Across Southeast Asia Using FICO Platform, Delivering 22 Workflows in Six Countries
US Market News
5月前
FICO é reconhecida no relatório Gartner® Critical Capabilities 2026 para Plataformas de Inteligência de DecisãoFebruary 3, 2026 9:59 AM
Business Wire
FICO é reconhecida nos casos de uso de Análise de Decisão, Engenharia de Decisão, Ciência de Decisão e Governança de Decisão no relatório Gartner® Critical Capabilities
A FICO (NYSE: FICO), líder global em software analítico, anunciou que foi reconhecida pelo Gartner no relatório Gartner® Critical Capabilities 2026 para Plataformas de Inteligência de Decisão. O relatório Critical Capabilities avaliou a FICO e classificou fornecedores nos seguintes quatro casos de uso de capacidades críticas: Análise de Decisão, Engenharia de Decisão, Ciência de Decisão e Governança de Decisão. A FICO ficou em 2º lugar considerando todos os casos de uso e entende esse reconhecimento como uma validação de sua estratégia para responder com agilidade e rapidez aos desafios de hoje e às oportunidades de amanhã.
Para ler o relatório completo Gartner® Critical Capabilities 2026, acesse: https://www.fico.com/en/gartner-cc-2026-decision-intelligence-platforms.
“Plataformas de inteligência de decisão podem ajudar líderes de D&A a atender e suprir necessidades críticas ao oferecer software para o desenvolvimento de serviços de decisão que apoiam, ampliam e automatizam a tomada de decisão de humanos ou máquinas. Tudo isso é viabilizado pela combinação de dados, analytics, conhecimento e técnicas de IA. Os casos de uso dessas plataformas, que definimos como análise de decisão, engenharia de decisão, ciência de decisão e governança de decisão, refletem os perfis de usuários e as habilidades de inteligência de decisão necessárias para definir, gerenciar, monitorar e colaborar ao longo do ciclo de vida das decisões.”
“Acreditamos que esse reconhecimento valida nossa visão para a Plataforma FICO à medida que continuamos a moldar o futuro das empresas inteligentes e reforça por que nossos clientes confiam na FICO”, afirmou Nikhil Behl, presidente de software da FICO. “A Plataforma FICO se destaca em engenharia de decisão ao permitir que nossos clientes componham e operacionalizem serviços de decisão escaláveis por meio de uma abordagem centrada no negócio, com capacidades de IA de classe mundial e streaming de dados.”
Este relatório vem na sequência do recente reconhecimento da FICO como Líder no Gartner® Magic Quadrant™ 2026 para Plataformas de Inteligência de Decisão.
Para mais informações sobre os reconhecimentos recentes de analistas às capacidades da Plataforma FICO, acesse: https://www.fico.com/en/awards-recognition
Sobre o Gartner e os relatórios Critical Capabilities
O Gartner fornece insights objetivos e acionáveis para executivos e suas equipes. Suas orientações especializadas e ferramentas permitem decisões mais rápidas e inteligentes, além de melhor desempenho nas prioridades estratégicas das organizações.
O documento Critical Capabilities é uma análise comparativa que pontua produtos ou serviços concorrentes com base em um conjunto de diferenciais críticos identificados pelo Gartner. Ele mostra quais produtos ou serviços são mais adequados para diferentes casos de uso e oferece recomendações práticas sobre quais soluções devem ser incluídas na lista de fornecedores para avaliação adicional.
Saiba mais sobre o relatório Critical Capabilities.
Gartner, Critical Capabilities for Decision Intelligence, Carlie Idoine, David Pidsley, Kevin Quinn, Gareth Herschel, Kjell Carlsson, 27 de janeiro de 2026
Gartner é uma marca registrada da Gartner, Inc. e/ou de suas afiliadas.
O Gartner não endossa nenhuma empresa, fornecedor, produto ou serviço mencionado em suas publicações e não recomenda que usuários de tecnologia selecionem apenas fornecedores com as classificações mais altas ou outras designações. As publicações do Gartner refletem as opiniões de sua organização de pesquisa e consultoria em negócios e tecnologia e não devem ser interpretadas como declarações de fato. O Gartner se isenta de todas as garantias, expressas ou implícitas, relacionadas a esta publicação, incluindo garantias de comercialização ou adequação a um propósito específico.
Sobre a FICO
A FICO (NYSE: FICO) capacita decisões que ajudam pessoas e empresas ao redor do mundo a prosperarem. Fundada em 1956, a empresa é pioneira no uso de análises preditivas e ciência de dados para melhorar decisões operacionais. A FICO detém mais de 200 patentes nos Estados Unidos e em outros países para tecnologias que aumentam a lucratividade, satisfação do cliente e crescimento de negócios nos setores de serviços financeiros, seguros, telecomunicações, saúde, varejo e muitos outros. Com as soluções da FICO, empresas em mais de 80 países fazem desde a proteção de quatro bilhões de cartões de pagamento contra fraudes, até a melhoria da inclusão financeira e o aumento da resiliência da cadeia de suprimentos. O FICO® Score, utilizado por 90% dos maiores credores dos EUA, é a medida padrão de risco de crédito ao consumidor nos Estados Unidos e foi disponibilizado em mais de 40 outros países, melhorando a gestão de riscos, o acesso ao crédito e a transparência.
Saiba mais em https://www.fico.com
Participe da conversa em https://x.com/FICO_corp e https://www.fico.com/blogs/
Para notícias e recursos de mídia da FICO, visite https://www.fico.com/en/newsroom
FICO é uma marca registrada da Fair Isaac Corporation nos EUA e em outros países.
Ver a versão original em businesswire.com: https://www.businesswire.com/news/home/20260203847862/pt/
Informações para a Imprensa:
InPress Porter Novelli
fico@inpresspni.com.br
Original: FICO é reconhecida no relatório Gartner® Critical Capabilities 2026 para Plataformas de Inteligência de Decisão
US Market News
5月前
FICO Recognized in the 2026 Gartner® Critical Capabilities Report for Decision Intelligence PlatformsJanuary 30, 2026 12:00 PM
Business Wire
FICO recognized across Decision Analysis, Decision Engineering, Decision Science, and Decision Stewardship Use Cases in the Gartner® Critical Capabilities report
FICO (NYSE: FICO), a global analytics software leader, today announced that Gartner recognized FICO in the 2026 Gartner® Critical Capabilities for Decision Intelligence Platforms. The Critical Capabilities report evaluated FICO, which ranked vendors in the following four Critical Capabilities Use Cases: Decision Analysis, Decision Engineering, Decision Science, and Decision Stewardship. FICO ranked 2nd across all Use Cases and sees this recognition as validation of the strategy to meet today's challenges and tomorrow's opportunities with agility and speed.
To read the full 2026 Gartner® Critical Capabilities report, visit: https://www.fico.com/en/gartner-cc-2026-decision-intelligence-platforms.
“Decision intelligence platforms (DIPs) can help D&A leaders address and fill critical needs by providing software for decision service development that supports, augments and automates decision making of humans or machines. All of this is powered by the composition of data, analytics, knowledge and AI techniques. The use cases for DIPs — which we define as decision analysis, decision engineering, decision science and decision stewardship — are reflective of the user personas and related decision intelligence skills needed to define, manage, observe and collaborate across the decision life cycle.”
“We believe this recognition validates our vision for FICO Platform as we continue to shape the future of the intelligent enterprise and underscores why our customers place their trust in FICO," said Nikhil Behl, president of software at FICO. “FICO Platform excels at decision engineering by enabling our customers to compose and operationalize scalable decision services through a business-centric approach with world class AI and data streaming capabilities.”
This report follows FICO’s recent recognition as Leader in the 2026 Gartner® Magic Quadrant™ for Decision Intelligence Platforms.
For more background on FICO’s recent analyst recognitions for its FICO® Platform capabilities, visit: https://www.fico.com/en/awards-recognition
About Gartner and the Critical Capabilities Reports
Gartner delivers actionable, objective insight to executives and their teams. Its expert guidance and tools enable faster, smarter decisions and stronger performance on an organization’s mission-critical priorities.
The Critical Capabilities document is a comparative analysis that scores competing products or services against a set of critical differentiators identified by Gartner. It shows you which products or services are a best fit in various use cases to provide you actionable advice on which products/services you should add to your vendor shortlists for further evaluation. Learn more about the Critical Capabilities report.
Gartner, Critical Capabilities for Decision Intelligence, Carlie Idoine, David Pidsley, Kevin Quinn, Gareth Herschel, Kjell Carlsson, January 27, 2026
Gartner is a trademark of Gartner, Inc. and/or its affiliates.
Gartner does not endorse any company, vendor, product or service depicted in its publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner publications consist of the opinions of Gartner’s business and technology insights organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this publication, including any warranties of merchantability or fitness for a particular purpose.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com/en.
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/en/newsroom.
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260130108152/en/
press@fico.com
Original: FICO Recognized in the 2026 Gartner® Critical Capabilities Report for Decision Intelligence Platforms
US Market News
5月前
FICO Announces Earnings of $6.61 per Share for First Quarter Fiscal 2026January 28, 2026 4:15 PM
Business Wire
Revenue of $512 million vs. $440 million in prior year
FICO (NYSE:FICO), a global analytics software leader, today announced results for its first fiscal quarter ended December 31, 2025.
First Quarter Fiscal 2026 GAAP Results
Net income for the quarter totaled $158.4 million, or $6.61 per share, versus $152.5 million, or $6.14 per share, in the prior year period.
Net cash provided by operating activities for the quarter was $174.1 million versus $194.0 million in the prior year period.
First Quarter Fiscal 2026 Non-GAAP Results
Non-GAAP Net Income for the quarter was $175.6 million versus $143.8 million in the prior year period. Non-GAAP EPS for the quarter was $7.33 versus $5.79 in the prior year period. Free cash flow was $165.4 million for the current quarter versus $186.8 million in the prior year period. The Non-GAAP financial measures are described in the financial table captioned “Non-GAAP Results” and are reconciled to the corresponding GAAP results in the financial tables at the end of this release.
First Quarter Fiscal 2026 GAAP Revenue
The company reported revenues of $512.0 million for the quarter as compared to $440.0 million reported in the prior year period, an increase of 16%.
“We had a good start to our fiscal year, with strong top and bottom-line growth,” said Will Lansing, chief executive officer. “We reiterate our fiscal year 2026 guidance, which yields stronger growth than we achieved in FY25.”
Revenues for the first quarter of fiscal 2026 for the company’s two operating segments were as follows:
Scores revenues, which include the company’s business-to-business (B2B) scoring solutions, and business-to-consumer (B2C) solutions, were $304.5 million in the first quarter, compared to $235.7 million in the prior year period, an increase of 29%. B2B revenue increased 36%, primarily attributable to a higher mortgage origination scores unit price and an increase in volume of mortgage originations. B2C revenue increased 5% from the prior year period due mainly to increased revenue from our indirect channel partners.
Software revenues, which include the company’s analytics and digital decisioning technology, were up 2% year-over-year with $207.5 million in the first quarter, compared to $204.3 million in the prior year period. Software Annual Recurring Revenue on December 31, 2025, was up 5% year-over-year, consisting of a 33% increase in platform ARR and an 8% decline in non-platform ARR. The total Software Dollar-Based Net Retention Rate was 103% on December 31, 2025, with platform software at 122% and non-platform software at 91%.
Outlook
We reiterate the following guidance for fiscal 2026:
Fiscal 2026 Guidance
Revenues
$2.35 billion
GAAP Net Income
$795 million
GAAP EPS
$33.47
Non-GAAP Net Income
$907 million
Non-GAAP EPS
$38.17
The Non-GAAP financial measures are described in the financial table captioned “Reconciliation of Non-GAAP Guidance.”
Company to Host Conference Call
The company will host a webcast on January 28, 2026, at 5:00 p.m. Eastern Time (2:00 p.m. Pacific Time) to report its first quarter fiscal 2026 results and provide various strategic and operational updates. The call can be accessed at FICO's web site at www.fico.com/investors. A replay of the webcast will be available on our Past Events page through January 28, 2027.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.
Learn more at https://www.fico.com/en
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/en/newsroom
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.
Statement Concerning Forward-Looking Information
Except for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the impact of macroeconomic conditions on FICO’s business, operations and personnel, the success of the Company’s business strategies, the maintenance of its existing relationships and ability to create new relationships with customers, distributors and other business partners, its ability to continue to develop new and enhanced products and services and to enter new markets, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use or costs of consumer credit and other data, the failure to protect such data, the failure to realize the anticipated benefits of any acquisitions, or divestitures, and material adverse developments or uncertainty in global economic conditions or in the markets or industries that the Company serves. Additional information on these risks and uncertainties and other factors that could affect FICO’s future results are described from time to time in FICO’s SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2025 and its subsequent filings with the SEC. If any of these risks or uncertainties materializes, FICO’s results could differ materially from its expectations. Investors are cautioned not to place undue reliance on any such forward-looking statements, which speak only as of the date they are made. FICO disclaims any intent or obligation to update these forward-looking statements, whether as a result of new information, future events or otherwise.
FAIR ISAAC CORPORATION
CONDENSED CONSOLIDATED BALANCE SHEETS
(Unaudited)
December 31, 2025
September 30, 2025
(In thousands)
Assets
Current assets:
Cash and cash equivalents
$
162,034
$
134,136
Accounts receivable, net
495,117
529,148
Prepaid expenses and other current assets
41,656
41,881
Total current assets
698,807
705,165
Marketable securities
55,866
54,625
Property and equipment, net
73,711
67,713
Operating lease right-of-use assets
24,725
26,213
Goodwill
783,520
783,340
Other assets
217,531
231,077
Total assets
$
1,854,160
$
1,868,133
Liabilities and Stockholders’ Deficit
Current liabilities:
Accounts payable and other accrued liabilities
$
102,141
$
146,933
Accrued compensation and employee benefits
76,809
115,369
Deferred revenue
173,371
187,372
Current maturities on debt
399,738
399,541
Total current liabilities
752,059
849,215
Long-term debt
2,797,091
2,656,150
Operating lease liabilities
17,895
19,187
Other liabilities
95,249
89,365
Total liabilities
3,662,294
3,613,917
Stockholders’ deficit
(1,808,134
)
(1,745,784
)
Total liabilities and stockholders’ deficit
$
1,854,160
$
1,868,133
FAIR ISAAC CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(Unaudited)
Quarter Ended December 31,
2025
2024
(In thousands, except per share data)
Revenues:
On-premises and SaaS software
$
188,221
$
186,011
Professional services
19,204
18,282
Scores
304,534
235,675
Total revenues
511,959
439,968
Operating expenses:
Cost of revenues
87,261
87,345
Research and development
49,912
45,145
Selling, general and administrative
140,737
127,950
Total operating expenses
277,910
260,440
Operating income
234,049
179,528
Other expense, net
(42,118
)
(29,399
)
Income before income taxes
191,931
150,129
Income tax provision (benefit)
33,558
(2,399
)
Net income
$
158,373
$
152,528
Earnings per share:
Basic
$
6.68
$
6.26
Diluted
$
6.61
$
6.14
Shares used in computing earnings per share:
Basic
23,723
24,378
Diluted
23,958
24,827
FAIR ISAAC CORPORATION
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited)
Quarter Ended December 31,
2025
2024
(In thousands)
Cash flows from operating activities:
Net income
$
158,373
$
152,528
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization
4,017
3,535
Share-based compensation
44,269
40,654
Changes in operating assets and liabilities
(45,135
)
(1,235
)
Other, net
12,558
(1,485
)
Net cash provided by operating activities
174,082
193,997
Cash flows from investing activities:
Purchases of property and equipment
(226
)
(841
)
Capitalized internal-use software costs
(8,480
)
(6,330
)
Net activity from marketable securities
(4,028
)
(1,771
)
Net cash used in investing activities
(12,734
)
(8,942
)
Cash flows from financing activities:
Proceeds from revolving line of credit and term loans
260,000
275,000
Payments on revolving line of credit and term loans
(120,000
)
(63,750
)
Proceeds from issuance of treasury stock under employee stock plans
2,132
3,261
Taxes paid related to net share settlement of equity awards
(104,379
)
(196,126
)
Repurchases of common stock
(171,169
)
(162,581
)
Other, net
(66
)
(22
)
Net cash used in financing activities
(133,482
)
(144,218
)
Effect of exchange rate changes on cash
32
(7,250
)
Increase in cash and cash equivalents
27,898
33,587
Cash and cash equivalents, beginning of period
134,136
150,667
Cash and cash equivalents, end of period
$
162,034
$
184,254
FAIR ISAAC CORPORATION
NON-GAAP RESULTS
(Unaudited)
Quarter Ended December 31,
2025
2024
(In thousands, except per share data)
GAAP net income
$
158,373
$
152,528
Share-based compensation expense
44,269
40,654
Income tax adjustments
(11,375
)
(9,863
)
Excess tax benefit
(15,657
)
(39,530
)
Non-GAAP net income
$
175,610
$
143,789
GAAP diluted earnings per share
$
6.61
$
6.14
Share-based compensation expense
1.85
1.64
Income tax adjustments
(0.47
)
(0.40
)
Excess tax benefit
(0.65
)
(1.59
)
Non-GAAP diluted earnings per share
$
7.33
$
5.79
Free cash flow
Net cash provided by operating activities
$
174,082
$
193,997
Capital expenditures
(8,706
)
(7,171
)
Free cash flow
$
165,376
$
186,826
Note: The numbers may not sum to total due to rounding.
About Non-GAAP Financial Measures
To supplement the consolidated GAAP financial statements, the company uses the following non-GAAP financial measures: non-GAAP net income, non-GAAP EPS, and free cash flow. Non-GAAP net income and non-GAAP EPS exclude, to the extent applicable, such items as the impact of amortization expense, share-based compensation expense, restructuring and acquisition-related, excess tax benefit, and adjustment to tax valuation allowance items. Free cash flow excludes capital expenditures. The presentation of these financial measures is not intended to be considered in isolation or as a substitute for, or superior to, the financial information prepared and presented in accordance with GAAP.
Management uses these non-GAAP financial measures for financial and operational decision-making and as a means to evaluate period-to-period comparisons. Our management believes these non-GAAP financial measures provide meaningful supplemental information regarding our performance and liquidity by excluding certain items that may not be indicative of recurring business results including significant non-cash expenses. We believe management and investors benefit from referring to these non-GAAP financial measures in assessing our performance when planning, forecasting and analyzing future periods. These non-GAAP financial measures also facilitate management’s internal comparisons to historical performance and liquidity as well as comparisons to our competitors’ operating results. We believe these non-GAAP financial measures are useful to investors because they allow for greater transparency with respect to key measures used by management in its financial and operating decision-making.
FAIR ISAAC CORPORATION
RECONCILIATION OF NON-GAAP GUIDANCE
(Unaudited)
Fiscal 2026 Guidance
(In millions, except per share data)
GAAP net income
$
795
Share-based compensation expense
166
Income tax adjustments
(42
)
Excess tax benefit
(13
)
Non-GAAP net income
$
907
GAAP diluted earnings per share
$
33.47
Share-based compensation expense
6.99
Income tax adjustments
(1.75
)
Excess tax benefit
(0.55
)
Non-GAAP diluted earnings per share
$
38.17
Note: The numbers may not sum to total due to rounding.
About Non-GAAP Financial Measures
To supplement the consolidated GAAP financial statements, the company uses the following non-GAAP financial measures: non-GAAP net income, non-GAAP EPS, and free cash flow. Non-GAAP net income and non-GAAP EPS exclude, to the extent applicable, such items as the impact of amortization expense, share-based compensation expense, restructuring and acquisition-related, excess tax benefit, and adjustment to tax valuation allowance items. Free cash flow excludes capital expenditures. The presentation of these financial measures is not intended to be considered in isolation or as a substitute for, or superior to, the financial information prepared and presented in accordance with GAAP.
Management uses these non-GAAP financial measures for financial and operational decision-making and as a means to evaluate period-to-period comparisons. Our management believes these non-GAAP financial measures provide meaningful supplemental information regarding our performance and liquidity by excluding certain items that may not be indicative of recurring business results including significant non-cash expenses. We believe management and investors benefit from referring to these non-GAAP financial measures in assessing our performance when planning, forecasting and analyzing future periods. These non-GAAP financial measures also facilitate management’s internal comparisons to historical performance and liquidity as well as comparisons to our competitors’ operating results. We believe these non-GAAP financial measures are useful to investors because they allow for greater transparency with respect to key measures used by management in its financial and operating decision-making.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260128991109/en/
Investors/Analysts:
Dave Singleton
Fair Isaac Corporation
(800) 459-7125
investor@fico.com
Original: FICO Announces Earnings of $6.61 per Share for First Quarter Fiscal 2026
Hot Features
プレミアム
登録してリアルタイムのアラート、カスタムポートフォリオ、市場の動きを入手してください。
FrostyEmpire44
4日前
メールアドレスで登録
