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. Strong performance is attributed to robust demand for FICO's analytics and decision management solutions, particularly in the mortgage origination sector. In June 2026, the Board approved a $2.0 billion stock repurchase program, and the company drew a $1.5 billion incremental term loan.
Cyborg Score Rationale
FICO reported fiscal Q2 2026 revenue of $692 million, a 39% increase from the prior year. Earnings reached $11.14 per share in Q2 2026, with net income of $264.5 million versus $162.6 million in the prior year period. The company's market dominance in credit scoring, strong cash generation, and strategic capital deployment drive exceptional shareholder value.
Top Insights
(April 2026) Fiscal Q2 2026 revenue surged 39% to $692 million, with full-year guidance raised to $2.45 billion midpoint
(June 2026) Approved $2.0 billion stock repurchase program and secured $1.5 billion incremental term loan
(Q2 2026) Launched next-generation UltraFICO Score integrating real-time cash flow data from 12,000+ financial institutions
FICO Score used by 90% of top U.S. lenders; operates in 80+ countries with 200+ patents in predictive analytics
Named Competitors
VantageScore — Alternative credit scoring model
SAS Analytics — Advanced analytics and decision management software
IBM Analytics — Enterprise analytics and AI platforms
SAP Analytics — Business analytics and enterprise software