FICO Enters Global Partnership with Tech Mahindra
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 29 2026
0mins
Should l Buy FICO?
FICO announced that it has entered a global partnership with Tech Mahindra to help banking, financial services, and insurance organizations accelerate value creation through AI-powered decisioning and advanced analytics. As part of the partnership, Tech Mahindra will establish a dedicated Centre of Excellence for FICO Platform, reinforcing the company's commitment to driving large-scale core banking modernization and intelligent decisioning for global financial institutions. "Enterprises are struggling to derive meaningful returns from their digital transformation investments," said Harshul Asnani, president and head of Europe business, Tech Mahindra. "This challenge is amplified by a global shortage of data scientists and system architects, resulting in delayed implementations and fragmented decision-making. The partnership addresses this gap, bringing together FICO's proven analytics platform with Tech Mahindra's deep implementation expertise."
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Analyst Views on FICO
Wall Street analysts forecast FICO stock price to rise
9 Analyst Rating
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 1351.600
Low
1700
Averages
2126
High
2500
Current: 1351.600
Low
1700
Averages
2126
High
2500
About FICO
Fair Isaac Corporation is an applied analytics software company. The Company is focused on using predictive analytics and data science to improve operational decisions. The Company operates through two segments: Scores and Software. The Scores segment includes the Company's business-to-business scoring solutions and services which give its clients access to predictive credit and other scores. This segment includes its business-to-consumer scoring solutions, including its myFICO.com subscription offerings. The Company’s Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process, such as account origination, customer management, customer engagement, fraud detection and marketing as well as associated professional services. This segment includes FICO Platform, a modular software offering designed to support advanced analytic and decision use cases as well as stand-alone analytic and decisioning software.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- New Investment Position: On February 17, 2026, Hidden Lake Asset Management LP disclosed a new position by purchasing 316,586 shares of Upstart Holdings, with an estimated transaction value of approximately $13.84 million, indicating confidence in the company's prospects.
- Asset Allocation Shift: Following this transaction, Upstart Holdings represents 3.5% of Hidden Lake's total 13F assets, making it the fund's fifth-largest position, reflecting optimism about its future growth potential.
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See More
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- Consumer Financial Stress: FICO's analysis indicates that the average credit card balance reached £1,950 in December 2025, marking the highest level since the start of their analysis, highlighting the ongoing financial stress consumers face post-holiday spending.
- Declining Payment Rates: Despite payment rates remaining at 33.4%, the increase in pre-Christmas spending has led to a rise in the number of customers missing payments, reflecting challenges in repayment capacity amid high living costs.
- Increase in Delinquent Accounts: In December 2025, the percentage of accounts with one missed payment rose to 1.4%, a 6.4% increase from the previous month, while accounts with three missed payments also increased, indicating ongoing challenges for financially stressed customers.
- Risk Monitoring Recommendations: FICO advises risk teams to enhance monitoring of payment patterns and implement proactive intervention strategies in January and February to address potential payment stress and ensure customer financial health.
See More
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- Spending Trends: In December 2025, the average UK credit card spend reached £830, reflecting a 5.6% increase from November but a 3.5% decrease from December 2024, indicating heightened financial pressures on consumers post-holiday.
- Rising Balances: The average active balance hit £1,950, up 1.7% from November and 4.8% year-on-year, marking the highest level since FICO began tracking, which underscores the increasing burden on consumers.
- Stable Payment Rates: The percentage of payments to balance remained stable at 33.4% in December, a slight increase of 0.1% from November but down 6.8% year-on-year, suggesting ongoing challenges in debt repayment for consumers.
- Increased Delinquency: The proportion of accounts missing one payment rose by 6.4% month-on-month, while those missing three payments increased by 4.9% year-on-year, highlighting a growing number of consumers facing financial distress, necessitating enhanced monitoring by risk management teams.
See More
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- Rising Balances: The average active balance hit £1,950, up 1.7% from November and 4.8% year-on-year, marking the highest level since FICO began tracking, which underscores the escalating financial pressures consumers are facing.
- Stable Payment Ratios: The percentage of payments to balance remained stable at 33.4% in December, a slight increase of 0.1% from November but a 6.8% year-on-year decline, suggesting growing difficulties for consumers in managing debt repayment, potentially leading to increased default risks.
- Missed Payments: The proportion of accounts with one missed payment rose by 6.4% month-on-month, while those missing three payments increased by 4.9% year-on-year, highlighting a growing number of consumers struggling with financial challenges amid rising living costs, prompting risk management teams to enhance monitoring for potential payment stress.
See More
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- Historical Return Comparison: It references the investment returns of Netflix and Nvidia at the time of their recommendations, yielding $436,126 and $1,053,659 respectively, showcasing Stock Advisor's strategy's significant historical market outperformance.
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See More
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- Investor Reactions: Following the video's release, investors are reminded to consider the potential risks associated with tech stocks, which could prompt them to adjust their holdings in the short term to mitigate market volatility.
- Industry Outlook: The mention of the DeepSeek moment in the video suggests that the tech sector may be at a significant turning point, necessitating close monitoring of the financial health and market performance of relevant companies.
- Subscription and Promotion: The video encourages viewers to subscribe and click on a special offer link, indicating the content creator's intent to enhance audience engagement and increase platform influence and revenue.
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