# FICO for banks: pricing, customers, review

Source: https://www.bankingnewsai.com/vendors/fico
Last updated: Sep 24, 2026

*Sells banks two things: the FICO Score, licensed per score mostly through the credit bureaus, and decisioning software (FICO Platform, Falcon fraud, originations and account-management solutions) on multi-year subscriptions priced by accounts, transactions or use cases.*

## What is FICO, and which banks use it?

FICO (Fair Isaac, NYSE: FICO), founded in 1956 and based in Bozeman, Montana, sells banks the FICO Score and decisioning software: FICO Platform, Falcon fraud detection and origination tools, sold as multi-year subscriptions. Platform ARR grew 62% to $412.8 million by June 2026 while older software ARR fell 17%. Among our 100 banks, FICO names Santander US (machine-learning auto credit risk) and TD (fraud) as Platform users. Software pricing is not published; mortgage score prices are.

## At a glance

| Field | Value |
| --- | --- |
| Category | [Credit decisioning](https://www.bankingnewsai.com/ai-tools/credit-decisioning) · [Fraud detection](https://www.bankingnewsai.com/ai-tools/fraud-detection) |
| Founded | 1956 |
| Headquarters | Bozeman, Montana, US |
| Ownership | Fair Isaac Corporation, listed on the New York Stock Exchange (NYSE: FICO); independent public company led by CEO William J. Lansing since January 2012. ([US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm)) |
| Ticker | NYSE: FICO |
| Deployment | SaaS or on-premises |
| Pricing model | Software: multi-year subscriptions priced on usage (accounts, transactions or decision use cases), often with contracted minimums; not published. FICO Score for mortgages: published per-score and funded-loan fees |
| Banks among the 100 largest US banks | 2 |

## Products

| Product | What it does | Status | Sources |
| --- | --- | --- | --- |
| FICO Platform | Modular decisioning and analytics environment for data orchestration, machine-learning models, rules, optimization and simulation; the base for most FICO software. | Generally available | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm) |
| FICO Fraud Solutions (FICO Falcon Fraud Manager) | Real-time neural-network fraud detection for payment cards, money transfers and application fraud, trained on consortium data from more than 10,000 institutions; some capabilities run on FICO Platform. | Generally available | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm), [FICO](https://www.fico.com/en/newsroom/fico-celebrates-70-years-innovation-and-says-hello-future-applied-intelligence) |
| FICO Originations Solution | Application-to-decision credit origination software for banks, credit unions and other lenders, available on FICO Platform. | Generally available | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm) |
| FICO Strategy Director and FICO TRIAD Customer Manager | Account-management decisioning for existing credit customers (limits, authorizations, collections); Strategy Director runs on FICO Platform and TRIAD is its off-platform predecessor. | Generally available | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm) |
| FICO Analytics Workbench, Decision Modeler and Decision Optimizer | Tools on FICO Platform to build explainable machine-learning models, author decision rules and optimize actions such as credit-line and pricing decisions. | Generally available | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm) |
| FICO Focused Foundation Model for Financial Services (FLM and FSM) | Domain-specific generative-AI language and transaction-sequence models with patent-pending Trust Scores that rank the reliability of each output, announced September 2025. | Announced | [FICO (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/fico-focused-foundation-model-financial-120000863.html) |
| FICO Score (including FICO Score 10T) | Consumer credit scores used as inputs to bank credit decisions; FICO Score 10T adds trended data and rental and utility payments. | Generally available | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm), [FICO](https://www.fico.com/en/newsroom/fico-celebrates-70-years-innovation-and-says-hello-future-applied-intelligence) |

## How much does FICO cost?

How it is charged: Software: multi-year subscriptions priced on usage (accounts, transactions or decision use cases), often with contracted minimums; not published. FICO Score for mortgages: published per-score and funded-loan fees.

| Product | Plan | List price | Unit | Checked | Source |
| --- | --- | --- | --- | --- | --- |
| FICO Score for mortgage, Mortgage Direct License Program (not the FICO Platform) | Classic FICO, performance model | $4.95 per score plus $33 per borrower per score on funded loans | FICO royalty per score, via tri-merge resellers (FICO Score 10T included free) | Sep 24, 2026 | [FICO](https://www.ficoscore.com/mortgagedirectlicense) |
| FICO Score for mortgage, Mortgage Direct License Program (not the FICO Platform) | FICO Score 10T only, performance model | $0.99 per score plus $65 funded loan fee | FICO royalty per score, via tri-merge resellers | Sep 24, 2026 | [FICO](https://www.ficoscore.com/mortgagedirectlicense) |
| FICO Score for mortgage, Mortgage Direct License Program (not the FICO Platform) | Classic FICO, per-score-only model | $10 per score | per score, into tri-merge resellers | Sep 24, 2026 | [FICO](https://www.ficoscore.com/mortgagedirectlicense) |

FICO Platform, Falcon and other decisioning software pricing is not published; FICO's 10-K says it typically sells software as multi-year subscriptions with payments based on usage metrics, often with contracted minimums. The only published prices are for FICO Scores used in mortgage origination under the Mortgage Direct License Program; other score prices are set through the credit bureaus, which may add their own mark-ups.

## Which banks use FICO?

| Bank | What | Status | Sources |
| --- | --- | --- | --- |
| [Santander US](https://www.bankingnewsai.com/banks/santander-us) | Machine-learning credit risk analysis for the US auto business on FICO Platform | In production | [FICO (Business Wire)](https://www.businesswire.com/news/home/20250507284930/en) |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | FICO Platform in the TD North American Fraud Detection Platform (a TD group platform covering its North American operations, including the US) | In production | [FICO (Business Wire)](https://www.businesswire.com/news/home/20240418781049/en) |

Among the [100 largest US banks](https://www.bankingnewsai.com/banks) on this site, from sources that name the bank.

## Flagship platform: FICO Platform

A modular analytic and decisioning environment, run as SaaS or on-premises, in which banks combine data, machine-learning models, business rules and optimization for origination, fraud, customer management and next-best-action decisions; FICO is moving substantially all of its software onto it, and Platform ARR reached $412.8 million (51% of software ARR) at June 30, 2026. ([US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm), [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454726000030/fico-20260630.htm))

## Key points

- Fair Isaac Corporation was founded in 1956, is listed on the NYSE (FICO) and is based in Bozeman, Montana; it had 3,876 employees at June 30, 2026, and William J. Lansing has been CEO since January 2012.
- It has two segments: Scores (the FICO Score, sold mostly through Experian, TransUnion and Equifax) and Software (FICO Platform, Falcon fraud, originations, account management and optimization), sold as SaaS or on-premises.
- Software ARR was $815.8 million at June 30, 2026 (up 10%): Platform ARR rose 62% to $412.8 million, while non-platform ARR fell 17% to $403.0 million.
- Falcon models are trained on transaction data contributed by more than 10,000 institutions in the FICO Falcon Intelligence Network, according to FICO's 2025 annual report.
- In September 2025 FICO announced the FICO Focused Foundation Model for Financial Services, small domain-specific language and sequence models with 'Trust Scores' meant to limit generative-AI hallucinations.
- Among our 100 banks, FICO releases name the Santander US Auto business (machine-learning credit risk on FICO Platform, 2025) and TD (a North American fraud-detection platform built with FICO Platform, 2024) as customers.
- Mortgage score pricing is published and contested: $4.95 per Classic FICO score plus $33 per borrower on funded loans, or $0.99 plus $65 for FICO Score 10T, as Fannie Mae, Freddie Mac and the FHA began accepting VantageScore 4.0 in April 2026.

## Timeline

- Sep 23, 2026 — **IDC MarketScape Leader** IDC names FICO a Leader in its 2026 worldwide decision intelligence platforms assessment, citing real-time profiling and agentic policy authoring. ([FICO (Business Wire via Morningstar)](https://www.morningstar.com/news/business-wire/20260923472062/fico-named-a-leader-in-the-2026-idc-marketscape-for-worldwide-decision-intelligence-platforms))
- Aug 18, 2026 — **VantageScore gains a mortgage foothold** American Banker reports VantageScore 4.0 was used on 4.4% of mortgages in July 2026, after Fannie Mae, Freddie Mac and the FHA began accepting it in April. ([American Banker (Asset Securitization Report)](https://asreport.americanbanker.com/news/uwm-rocket-drive-early-vantagescore-4-0-adoption-kbw))
- Jul 29, 2026 — **Platform ARR up 62%** FICO reports third-quarter fiscal 2026 results: Platform ARR up 62% to $412.8 million, non-platform ARR down 17%, and full-year guidance raised to $2.53 billion revenue. ([US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454726000031/exhibit991erq32026.htm), [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454726000030/fico-20260630.htm))
- May 19, 2026 — **Bradesco scales payroll lending on FICO Platform** Brazil's Bradesco reports scaling daily payroll loans from 8 to more than 700 using an eligibility engine built on FICO Platform. ([FICO](https://www.fico.com/en/newsroom/bradesco-expands-payroll-loan-operations-fico-platform))
- May 4, 2026 — **FICO Score 10T repriced for mortgages** FICO offers FICO Score 10T at $0.99 per score with a $65 funding fee and publishes a Milliman study comparing it with VantageScore 4.0. ([FICO (Business Wire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-kind-independent-study-finds-160000078.html))
- Jan 29, 2026 — **Gartner Magic Quadrant Leader** Gartner names FICO a Leader in its 2026 Magic Quadrant for Decision Intelligence Platforms. ([FICO (Business Wire)](https://www.businesswire.com/news/home/20260129308692/en/FICO-Named-a-Leader-in-2026-Gartner%C2%AE-Magic-Quadrant%E2%84%A2-for-Decision-Intelligence-Platforms))
- Oct 1, 2025 — **Mortgage Direct License Program** FICO lets tri-merge resellers license FICO Scores directly, bypassing bureau mark-ups: $4.95 per score plus a $33 funded-loan fee, or $10 per score. ([FICO](https://www.fico.com/en/newsroom/fico-launches-cost-cutting-direct-license-program-mortgage-lending))
- Sep 23, 2025 — **Focused Foundation Model announced** FICO announces the Focused Foundation Model for Financial Services, domain-specific language and sequence models with Trust Scores for generative-AI outputs. ([FICO (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/fico-focused-foundation-model-financial-120000863.html))
- May 7, 2025 — **Santander US Auto moves credit risk to FICO Platform** Santander's US auto business wins a FICO Decisions Award for machine-learning credit risk analysis built on FICO Platform. ([FICO (Business Wire)](https://www.businesswire.com/news/home/20250507284930/en))
- Apr 18, 2024 — **TD fraud platform built with FICO** TD wins a FICO Decisions Award for its North American fraud-detection platform, developed with FICO and using FICO Platform for real-time fraud monitoring. ([FICO (Business Wire)](https://www.businesswire.com/news/home/20240418781049/en))
- Jan 1, 2012 — **Will Lansing becomes CEO** William J. Lansing becomes chief executive officer in January 2012. ([US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm))
- Jan 1, 1992 — **Falcon Fraud Manager launched** FICO introduces Falcon Fraud Manager, a neural-network payment fraud detection system. ([FICO](https://www.fico.com/en/newsroom/fico-celebrates-70-years-innovation-and-says-hello-future-applied-intelligence))
- Jan 1, 1989 — **FICO Score introduced** FICO introduces the FICO Score in the US, the first cross-bureau credit score. ([US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm), [FICO](https://www.fico.com/en/newsroom/fico-celebrates-70-years-innovation-and-says-hello-future-applied-intelligence))
- Jan 1, 1956 — **Fair Isaac founded** Engineer William Fair and mathematician Earl Isaac found Fair Isaac and Company in San Francisco (exact date not published). ([FICO](https://www.fico.com/en/newsroom/fico-celebrates-70-years-innovation-and-says-hello-future-applied-intelligence), [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm))

## What do banks use FICO for?

| Use case | What | Status | Detail | Sources |
| --- | --- | --- | --- | --- |
| [Credit scoring & underwriting](https://www.bankingnewsai.com/ai-regulation/by-use-case#credit-underwriting) | Credit origination and machine-learning credit risk | In production | Banks run application decisioning and machine-learning credit-risk models on FICO Platform and the Originations Solution, as the Santander US Auto business does. | [FICO (Business Wire)](https://www.businesswire.com/news/home/20250507284930/en), [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm) |
| [Fraud detection](https://www.bankingnewsai.com/ai-regulation/by-use-case#fraud) | Real-time payment and application fraud detection | In production | Falcon and FICO Platform score card, transfer and application activity in real time using consortium-trained models; TD built its North American fraud-detection platform with FICO. | [FICO (Business Wire)](https://www.businesswire.com/news/home/20240418781049/en), [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm) |
| [Fair lending & discrimination](https://www.bankingnewsai.com/ai-regulation/by-use-case#fair-lending) | Scoring thin-file consumers | In production | FICO Score XD, UltraFICO and FICO Score 10T use alternative data such as utility, phone, rental and bank-account data to score consumers with limited credit files. | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm), [FICO](https://www.fico.com/en/newsroom/fico-celebrates-70-years-innovation-and-says-hello-future-applied-intelligence) |
| [Model risk management](https://www.bankingnewsai.com/ai-regulation/by-use-case#model-risk) | Explainable machine-learning models | In production | FICO Analytics Workbench builds explainable machine-learning models for decisions subject to strict governance and regulatory oversight. | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm) |
| [Generative & agentic AI](https://www.bankingnewsai.com/ai-regulation/by-use-case#generative-agentic-ai) | Focused foundation models for financial services | Announced | Small domain-specific language and transaction-sequence models with Trust Scores, aimed at compliance, communications and fraud analytics. | [FICO (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/fico-focused-foundation-model-financial-120000863.html) |

## Disclosed numbers

| Measure | Value | As of | Sources |
| --- | --- | --- | --- |
| FICO Platform ARR | $412.8 million, up 62% year over year (51% of software ARR) | Jun 30, 2026 | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454726000030/fico-20260630.htm) |
| Non-platform software ARR | $403.0 million, down 17% year over year | Jun 30, 2026 | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454726000030/fico-20260630.htm) |
| Software dollar-based net retention | 109% total; 148% platform, 82% non-platform | Jun 30, 2026 | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454726000031/exhibit991erq32026.htm) |
| Quarterly revenue (Q3 fiscal 2026) | $674.2 million total, of which Scores $458.9 million (up 41%) and Software $215.3 million (up 2%) | Jun 30, 2026 | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454726000031/exhibit991erq32026.htm) |
| Falcon Intelligence Network contributors | more than 10,000 institutions | Sep 30, 2025 | [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm) |
| VantageScore 4.0 share of mortgages (KBW, via American Banker) | 4.4% in July 2026 | Jul 31, 2026 | [American Banker (Asset Securitization Report)](https://asreport.americanbanker.com/news/uwm-rocket-drive-early-vantagescore-4-0-adoption-kbw) |

## Quotes

> "The decision layer is what turns a model's output into a governed action and keeps a record of why." — Nikhil Behl, President, FICO Software, Sep 23, 2026 ([FICO (Business Wire via Morningstar)](https://www.morningstar.com/news/business-wire/20260923472062/fico-named-a-leader-in-the-2026-idc-marketscape-for-worldwide-decision-intelligence-platforms))

> "The focused foundation model represents a practitioner's approach to GenAI in financial services, moving beyond trying to refine universal knowledge models" — Scott Zoldi, Chief Analytics Officer, FICO, Sep 23, 2025 ([FICO (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/fico-focused-foundation-model-financial-120000863.html))

> "Today marks a turning point in how credit scores are delivered and priced across the mortgage industry" — Will Lansing, Chief Executive Officer, FICO, Oct 1, 2025 ([FICO](https://www.fico.com/en/newsroom/fico-launches-cost-cutting-direct-license-program-mortgage-lending))

## Who runs FICO?

- **William J. Lansing** — Chief Executive Officer ([US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm), [US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454726000031/exhibit991erq32026.htm))
- **Steven P. Weber** — Executive Vice President and Chief Financial Officer ([US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm))
- **Nikhil Behl** — President, Software ([US Securities and Exchange Commission](https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm), [FICO (Business Wire via Morningstar)](https://www.morningstar.com/news/business-wire/20260923472062/fico-named-a-leader-in-the-2026-idc-marketscape-for-worldwide-decision-intelligence-platforms))
- **Scott Zoldi** — Chief Analytics Officer ([FICO (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/fico-focused-foundation-model-financial-120000863.html))
- **Julie May** — Vice President and General Manager, B2B Scores ([FICO (Business Wire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-kind-independent-study-finds-160000078.html))

## Which rules apply to a bank using FICO?

- [CFPB](https://www.bankingnewsai.com/ai-regulation/cfpb) — When a bank declines credit using a FICO Score or a FICO Platform model, ECOA/Regulation B requires specific principal reasons and FCRA requires disclosure of the score and up to four key factors; FICO score reason codes feed those notices, but the bank owns their accuracy. See [ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-ecoa-regulation-b-adverse-action), [FCRA adverse action and credit-score disclosures (15 U.S.C. 1681m, 1681g(f))](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-fcra-adverse-action-key-factors), [Regulation B final rule on disparate impact (April 2026)](https://www.bankingnewsai.com/ai-regulation/documents/cfpb-regulation-b-final-rule-2026).
- [Federal Reserve](https://www.bankingnewsai.com/ai-regulation/federal-reserve) — FICO Scores, Falcon fraud models and machine-learning models built on FICO Platform are vendor models under SR 26-2; a bank must validate them and document their limitations even though FICO does not disclose full model internals. See [SR 26-2](https://www.bankingnewsai.com/ai-regulation/documents/fed-sr-26-2).
- [OCC](https://www.bankingnewsai.com/ai-regulation/occ) — A bank running origination or fraud decisions on FICO's SaaS platform takes on a critical third-party relationship under OCC Bulletin 2023-17, and the models it deploys there fall under OCC Bulletin 2026-13. See [OCC Bulletin 2023-17](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2023-17), [OCC Bulletin 2026-13](https://www.bankingnewsai.com/ai-regulation/documents/occ-bulletin-2026-13).
- Federal Housing Finance Agency — For mortgages sold to Fannie Mae and Freddie Mac, the FHFA sets which credit scores lenders may use; since April 2026 the GSEs accept VantageScore 4.0 alongside Classic FICO, which changes a bank's score choice and cost for conforming loans.

## What the record suggests

### Two different purchases

The FICO Score is licensed per score, mostly through the credit bureaus; FICO Platform, Falcon and origination software are separate multi-year subscriptions. Published prices cover only mortgage scores.

### Older FICO software is shrinking

Non-platform software ARR fell 17% in the year to June 2026, with 82% net retention, while Platform ARR grew 62%. Banks on legacy products such as TRIAD or Blaze Advisor face a migration decision.

### Named large-bank references are few

FICO says most leading banks use its solutions, but among the 100 largest US banks only the Santander US Auto business and TD are publicly named as FICO Platform users, both through FICO award releases.

### Generative-AI models are recent

The Focused Foundation Model was announced in September 2025, and FICO's accuracy lifts for it (38% in compliance use cases, more than 35% in transaction analytics) are FICO's own figures.

### Mortgage score competition changed in 2026

Fannie Mae, Freddie Mac and the FHA began accepting VantageScore 4.0 in April 2026; FICO responded by pricing FICO Score 10T at $0.99 per score plus a $65 funded-loan fee.

## FAQ

### How much does FICO Platform cost?

FICO does not publish prices for FICO Platform, Falcon or its other decisioning software. Its 10-K says it typically sells software as multi-year subscriptions with payments based on usage such as accounts, transactions or decision use cases, often with contracted minimums. The only prices FICO publishes are for mortgage credit scores under its Mortgage Direct License Program.

### How much does a FICO Score cost for a mortgage?

Under FICO's Mortgage Direct License Program, a Classic FICO Score costs $4.95 per score plus a $33 per-borrower fee when the loan funds, or $10 per score under the per-score-only model. FICO Score 10T alone costs $0.99 per score plus a $65 funded-loan fee. Tri-merge resellers and credit bureaus add their own charges for credit report data.

### Which banks use FICO Platform?

Among the 100 largest US banks tracked on this site, FICO has publicly named the Santander US Auto business, which uses FICO Platform for machine-learning credit risk analysis (2025), and TD, whose North American fraud-detection platform was built with FICO Platform (2024). FICO's other named Platform customers include Brazil's Bradesco, which scaled payroll lending on it in 2026.

### Who owns FICO?

FICO is Fair Isaac Corporation, a public company listed on the New York Stock Exchange under the ticker FICO and headquartered in Bozeman, Montana. It was founded in 1956 by William Fair and Earl Isaac, and William J. Lansing has been chief executive since January 2012.

### Does FICO offer generative AI for banks?

Yes. In September 2025 FICO announced the FICO Focused Foundation Model for Financial Services, made up of a Focused Language Model and a Focused Sequence Model. FICO says they are small, domain-specific models trained on curated financial-services data, with Trust Scores that rank the reliability of each output to limit hallucinations.

### FICO vs Provenir: what is the difference?

Both sell decisioning platforms for credit and fraud. FICO is a public company that also owns the FICO Score and the Falcon fraud consortium of more than 10,000 institutions, and offers on-premises as well as SaaS deployment. Provenir is a private, founder-led company selling a cloud-native platform with a third-party data marketplace, mainly to mid-sized lenders and fintechs.

## Sources (14)

1. Fair Isaac Corporation Form 10-K for the fiscal year ended September 30, 2025 — US Securities and Exchange Commission, Nov 7, 2025. https://www.sec.gov/Archives/edgar/data/814547/000081454725000030/fico-20250930.htm
2. Fair Isaac Corporation Form 10-Q for the quarter ended June 30, 2026 — US Securities and Exchange Commission, Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/814547/000081454726000030/fico-20260630.htm
3. FICO Announces Earnings of $10.45 per Share for Third Quarter Fiscal 2026 (Form 8-K, Exhibit 99.1) — US Securities and Exchange Commission, Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/814547/000081454726000031/exhibit991erq32026.htm
4. TD Wins 2024 FICO Decisions Award for its Achievements in Fraud Management — FICO (Business Wire), Apr 18, 2024. https://www.businesswire.com/news/home/20240418781049/en
5. Santander US Auto Business Wins 2025 FICO Decisions Award for Machine Learning Credit Risk Analysis — FICO (Business Wire), May 7, 2025. https://www.businesswire.com/news/home/20250507284930/en
6. FICO® Focused Foundation Model for Financial Services Provides Superior Accuracy in Decisioning and Trust When Deploying GenAI — FICO (Business Wire via Yahoo Finance), Sep 23, 2025. https://finance.yahoo.com/news/fico-focused-foundation-model-financial-120000863.html
7. FICO Launches Cost-Cutting Direct License Program for Mortgage Lending — FICO, Oct 1, 2025. https://www.fico.com/en/newsroom/fico-launches-cost-cutting-direct-license-program-mortgage-lending
8. FICO Named a Leader in 2026 Gartner® Magic Quadrant™ for Decision Intelligence Platforms — FICO (Business Wire), Jan 29, 2026. https://www.businesswire.com/news/home/20260129308692/en/FICO-Named-a-Leader-in-2026-Gartner%C2%AE-Magic-Quadrant%E2%84%A2-for-Decision-Intelligence-Platforms
9. First-of-Its-Kind Independent Study Finds FICO® Score 10T the Most Predictive Credit Score for Mortgage Lending — FICO (Business Wire via Yahoo Finance), May 4, 2026. https://finance.yahoo.com/markets/stocks/articles/first-kind-independent-study-finds-160000078.html
10. Bradesco Expands Payroll Loan Operations with FICO® Platform — FICO, May 19, 2026. https://www.fico.com/en/newsroom/bradesco-expands-payroll-loan-operations-fico-platform
11. FICO Celebrates 70 Years of Innovation and Says “Hello, Future” to Applied Intelligence — FICO, May 21, 2026. https://www.fico.com/en/newsroom/fico-celebrates-70-years-innovation-and-says-hello-future-applied-intelligence
12. UWM, Rocket drive early VantageScore 4.0 adoption, others lag — American Banker (Asset Securitization Report), Aug 18, 2026. https://asreport.americanbanker.com/news/uwm-rocket-drive-early-vantagescore-4-0-adoption-kbw
13. FICO Named a Leader in the 2026 IDC MarketScape for Worldwide Decision Intelligence Platforms — FICO (Business Wire via Morningstar), Sep 23, 2026. https://www.morningstar.com/news/business-wire/20260923472062/fico-named-a-leader-in-the-2026-idc-marketscape-for-worldwide-decision-intelligence-platforms
14. FICO® Mortgage Direct License Program (undated page, retrieved 2026-09-24) — FICO, Sep 24, 2026. https://www.ficoscore.com/mortgagedirectlicense

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