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21:00
Jul 29 ◎

FICO FY2026 Q3 Watch

Fair Isaac Corporation (FICO) FY2026 Q3 Earnings Call

FNMA FMCC ACN FICO PLD ▾

Will Lansing

GSE release of data is a positive step for FICO 10T adoption, but final certification is still pending.

"Fannie Mae and Freddie Mac recently released expanded historical level datasets for FICO Score 10T, enabling mortgage ecosystem participants to independently evaluate credit score performance using real world GSE mortgage data."

FNMA WATCH FMCC WATCH

Will Lansing

Accenture partnership expands distribution channel for FICO Platform, addressing FICO's historically weak indirect sales presence.

"in July, we expanded our collaboration with Accenture by pairing the FICO platform with Accenture's experience in risk, AI, and industry operations."

ACN WATCH

Will Lansing

Guidance was raised due to a better-than-expected mortgage market and strong momentum across the Scores and Platform businesses.

"I'm quite pleased to report that today we're raising our full-year guidance as we enter the fourth quarter."

FICO WATCH

Will Lansing

FICO is now actively pursuing a new Ultra FICO score that incorporates cash flow data from Plaid, positioning it as a next-generation product beyond the traditional credit file, targeting '79% of non-prime applicants'. — This marks a strategic expansion beyond traditional credit bureau data, with potential to increase FICO's addressable market in underbanked segments.

"The new score combines the FICO score with consumer permission cash flow data from Plaid's network of more than 12,000 financial institutions, giving lenders a more complete view of credit risk"

PLD WATCH

HIGH

20:30
Apr 28 ◎

FICO FY2026 Q2 Watch

Fair Isaac Corporation (FICO) FY2026 Q2 Earnings Call

PLD UPST FICO ▾

Will Lansing

Plaid is a key partner for the upcoming UltraFICO product, and progress toward launch is a potential catalyst.

"We're moving closer to the go live dates of our next generation cashflow ultra FICO score with our strategic partner Plaid"

PLD WATCH

Will Lansing

Management cites Upstart's regulatory shutdown as an example of the difficulty AI models face in underwriting, reinforcing their moat.

"The experiment with AI and some of the black box underwriting that was undertaken several years ago by Upstart ended with the CFPB shutting it down."

UPST WATCH

Will Lansing

Strong bridge quarter with guidance raised, driven by momentum in scores (mortgage) and strong platform ARR growth.

"Based on our results and outlook, we are increasing our fiscal 2026 guidance."

FICO WATCH

HIGH

22:00
Jan 28 ◎

FICO FY2026 Q1 Watch

Fair Isaac Corporation (FICO) FY2026 Q1 Earnings Call

PLD FICO EFX TRU EXPGY ▾

Will Lansing

Plaid's open finance network is a key distribution channel for FICO's new product, expanding its reach into real-time cash flow data for credit scoring.

"This quarter, we also announced a strategic partnership with Plaid to deliver the next generation of Ultra FICO Score."

PLD WATCH

Will Lansing

Management is confident in exceeding guidance, driven by strong scores growth and software momentum, though cautious about macro uncertainty.

"We had a great start to the year and are well positioned to exceed our fiscal year guidance."

FICO WATCH

Will Lansing

FICO's direct licensing program is nearing live status with multiple resellers, with one large reseller completing production integration testing and another close behind. — The direct licensing program may shift revenue from credit bureaus to FICO, potentially impacting bureaus' mortgage-related revenue.

"One large reseller is close to completing production integration testing. Another large reseller has completed that testing and is now testing system integration downstream."

EFX WATCH TRU WATCH EXPGY WATCH

HIGH

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