FICO Launches Next-Gen UltraFICO Credit Score
Written by Emily J. Thompson, Senior Investment Analyst
Updated: May 20 2026
0mins
FICO announced the general availability of the next-generation UltraFICO Score, a credit score that combines the proven reliability of the FICO Score, used by 90% of top U.S. lenders, with real-time, consumer-permissioned cash flow data. Developed by FICO and powered by Plaid's data network, the UltraFICO Score provides lenders with an enhanced measure of consumer credit risk, on the same industry standard score scale lenders trust, with minimal operational lift. The UltraFICO Score builds on traditional credit data by incorporating cash flow insights drawn from consumer-permissioned bank account data across Plaid's network of more than 12,000 financial institutions, including cash inflows and outflows, account balance stability, and spending behavior. The result is a single, enhanced score that delivers superior risk assessment without requiring lenders to overhaul their existing decisioning systems.
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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: 1296.360
Low
1700
Averages
2126
High
2500
Current: 1296.360
Low
1700
Averages
2126
High
2500
About FICO
Fair Isaac Corporation is an analytics software company. The Scores segment includes business-to-business (B2B) scoring solutions and services which give its clients access to predictive credit and other scores that can be easily integrated into their transaction streams and decision-making processes. This segment also includes its business-to-consumer (B2C) scoring solutions, including its myFICO.com subscription offerings. Its 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 also 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 that can be configured by its customers to address a wide variety of business use cases.
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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- Increase in Delinquency: The percentage of customers missing one payment rose by 29.5% month-on-month, while those missing two payments increased by 11.3%, indicating heightened financial pressure on consumers that may lead to increased credit risk.
- Decreased Payment Ratio: The overall payment percentage dropped to 33%, down 1% month-on-month and 3.7% year-on-year, suggesting a continued weakening of consumer payment capacity under economic stress, which could impact financial institutions' profitability.
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See More
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See More
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- Decline in Spending: FICO's latest data indicates that average UK credit card spending fell by 6.6% to £740, reflecting the negative impact of the fuel crisis on consumer spending, which could lead to an overall economic slowdown.
- Increase in Delinquency: The percentage of customers missing one payment rose by 29.5% month-on-month, while those missing two payments increased by 11.3%, indicating heightened financial pressure on consumers that may lead to increased credit risk.
- Decreased Payment Ratio: The overall payment percentage dropped to 33%, down 1% month-on-month and 3.7% year-on-year, suggesting a continued weakening of consumer payment capacity under economic stress, which could impact financial institutions' profitability.
- Changes in Credit Card Balances: Although the average credit card balance rose by 4.3% year-on-year to £1,925, it decreased by 0.8% month-on-month, indicating consumer spending tightening in response to high fuel costs, which may affect future consumer confidence.
See More
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- AI Algorithm Innovation: Upstart's AI-powered algorithm analyzes over 2,500 data points, gradually enhancing its predictive capabilities, which significantly improves credit assessment accuracy and efficiency compared to the traditional FICO scoring system, potentially transforming the lending industry.
- Loan Origination Growth: In Q1 2026, Upstart originated 425,356 loans, a 77% increase year-over-year, with 91% of loans processed fully automated, indicating widespread application of its AI technology in credit approvals, enhancing customer experience and market competitiveness.
- Record Revenue: Upstart generated $308 million in revenue during Q1, representing a 44% year-over-year growth, and despite a net loss of $6.6 million due to increased operating expenses, the adjusted EBITDA of $40 million highlights its profitability potential.
- Broad Market Outlook: Upstart forecasts $1.4 billion in revenue for 2026, with expectations to exceed $2.5 billion by 2028; if AI fully replaces traditional credit assessments, Upstart could tap into a $1 trillion annual revenue opportunity, underscoring its strategic significance.
See More
Upstart's AI Algorithm Fuels Credit Growth and Revenue Surge
- Significant Revenue Growth: Upstart generated a record $308 million in revenue during Q1 2026, representing a 44% year-over-year increase, showcasing the effectiveness of its AI algorithm in credit assessment, with expectations of reaching $1.4 billion in revenue for the year, further solidifying its market position.
- Surge in Loan Originations: The company originated 425,356 loans in Q1, a 77% increase from the previous year, with personal loans making up the majority, indicating strong demand and rapid growth potential in the credit market.
- Efficient Approval Process: Upstart's AI system enabled 91% of loan applications to be fully automated, reducing approval times from days to minutes, significantly enhancing customer experience and strengthening competitive advantage in the market.
- Future Growth Outlook: Management forecasts a compound annual growth rate of 35% through 2028, potentially exceeding $2.5 billion in revenue, indicating substantial long-term growth potential for Upstart in the global credit market.
See More
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- Milestone Innovation: FICO celebrates its 70th anniversary at FICO World 2026 with the launch of the 'Hello, Future' campaign, highlighting its leadership in analytics and AI, which is expected to further enhance the company's global market influence.
- Client Conference Success: The event attracts thousands of business leaders from over 60 countries, marking the 50th anniversary of the company's first client conference in 1976, showcasing FICO's enduring appeal and impact in the industry.
- Industry Standard Setter: The FICO® Score, introduced in 1989, has become the industry standard for credit risk in the U.S., used by 90% of top U.S. lenders, significantly enhancing the objectivity and consistency of credit decision-making.
- Focus on Responsible AI: FICO is committed to developing transparent and responsible AI models, holding nearly 240 issued patents and 80 pending applications, reflecting the company's dedication to advancing responsible AI to support future business decisions.
See More
FICO Score 10T Emerges as Top Credit Score for First-Time Homebuyers
- Enhanced Score Accuracy: An independent study reveals that FICO® Score 10T outperforms VantageScore 4.0 in predicting first-time homebuyer mortgage risk, significantly impacting loan approvals and terms, thereby facilitating homeownership for more Americans.
- Strong FHA Loan Performance: For FHA first-time homebuyer mortgages, FICO Score 10T exceeds VantageScore 4.0 by over 10%, particularly during origination periods with higher default rates, reinforcing its value in managing default risk effectively.
- Higher Credit Score Distribution: FICO Score 10T enables more first-time buyers to qualify for the highest credit score tiers compared to VantageScore 4.0, enhancing lenders' ability to assess creditworthiness and offer favorable loan conditions to qualified buyers.
- Cost-Free Access to New Score: FICO Score 10T is available at no cost through the FICO Score 10T Free Access Program to nearly 60 lenders, allowing them to conduct side-by-side testing without incurring additional fees, ensuring they can evaluate its effectiveness independently.
See More
Upstart's Q1 Earnings Disappoint, Stock Down 39%
- AI Credit Evaluation Innovation: Upstart's AI-driven credit evaluation platform fundamentally changes lending practices, with management claiming its model approves more borrowers without adding risk, enhancing lending efficiency and market competitiveness.
- Partner Expansion: Since going public, Upstart has increased its lending partners from 10 to over 100, recently securing a deal with USF Credit Union in Florida, indicating significant improvement in market penetration.
- Significant Business Growth: In Q1 2026, Upstart's originations in auto lending and home products surged by 300% and 250% year-over-year, respectively, demonstrating rapid expansion into new sectors and strong market demand.
- Bank Charter Application: Upstart is applying for a bank charter, which could further expand its operational scope; however, it faces competition from other credit disruptors, and with a current P/E ratio of 69, investors should carefully assess the investment opportunity.
See More
