FICO today announced that it was recognized in the 2026 Gartner® Critical Capabilities for Decision Intelligence Platforms report. Gartner evaluated 15 vendors across three use-case scenarios—AI-driven decision automation, next-best action and risk-based decisioning—and scored FICO highest in the risk-based decisioning use case. The evaluation highlighted FICO’s advanced decision modeling, real-time analytics and integration capabilities. This recognition reinforces FICO’s leadership in applying AI and machine learning to support mission-critical business decisions in financial services, insurance and telecommunications industries.

In its November 2025 UK Credit Card Market Report, FICO analyzed anonymized data from its TRIAD Customer Manager platform covering some 80% of UK card issuers. Average monthly spend rose 2.6% from October to £785 but remained 2.4% below November 2024, indicating weakening consumer purchasing power. Average outstanding balances climbed 0.8% month-on-month to £1,915, up 5% year-on-year. Payment rates fell to 33.4% of balances—the lowest since 2021—down 2.8 percentage points from October and 7.4 points from last November. Accounts over their credit limit increased 6.4% month-on-month and 5.9% year-on-year, underscoring mounting financial stress as households approached the Christmas spending season.

In its Q1 fiscal report, FICO topped consensus estimates on both earnings and revenues, driven by a nearly 30% year-over-year increase in Scores revenue. Mortgage and auto originations were the primary growth engines, with mortgage originations up 35% and auto originations up 28% compared with the prior year period. Overall revenue rose 22%, led by double-digit growth in Decision Management Solutions and Frauds & Financial Crimes Management. The company reaffirmed full-year guidance for mid-teens revenue growth and operating margin expansion, citing continued momentum in digital lending and fraud prevention deployments globally.