FICO Reports Rising Delinquency Risks in UK Credit Cards Post-Budget
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 04 2025
0mins
Should l Buy FICO?
Source: Businesswire
- Declining Spending: In September 2025, the average UK credit card spend was £805, reflecting a 3.8% year-on-year decline, indicating persistent consumer confidence issues that could hinder economic recovery.
- Rising Balances: The average credit card balance reached £1,915, a 4.5% increase from 2024, highlighting growing financial pressure on households as customers struggle to pay down debts.
- Increased Delinquency: The percentage of accounts with three missed payments rose by 3.7%, suggesting that a segment of customers is experiencing worsening financial conditions, necessitating tailored support from risk management teams.
- Decreasing Payment Ratio: The percentage of payments to balance stood at 34.64%, which, despite a 1% month-on-month increase, is down 6.5% year-on-year, indicating escalating difficulties for customers in managing their credit obligations.
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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: 1089.760
Low
1700
Averages
2126
High
2500
Current: 1089.760
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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- Industry Dynamics: In an increasingly competitive market environment, FICO needs to implement effective measures to regain its market position to avoid being surpassed by competitors and ensure sustainable growth.
- Investor Confidence: The weakening of competitive advantages may affect investor confidence in FICO, subsequently impacting its ability to raise capital and long-term strategic planning.
See More
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- Lack of Investment Recommendations: The Motley Fool Stock Advisor analyst team has noted that FICO did not make their list of the top 10 stocks to buy, indicating concerns about its future growth potential in the market.
- Historical Return Comparison: In contrast to FICO, Stock Advisor's average return of 912% significantly outperforms the S&P 500's 185%, suggesting that investors may prefer stocks with greater potential.
- Market Focus Shift: Despite being recommended, analysts' outlook on FICO's future performance is not optimistic, prompting investors to carefully assess its investment value.
See More
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