The Bull Case For Fair Isaac (FICO) Could Change Following New Plaid And GFT AI Alliances

• In November 2025, FICO announced new partnerships with GFT Technologies and Plaid to expand its AI-driven decisioning, fraud prevention, and cash flow-based UltraFICO Score solutions for banks, fintechs, and insurers across multiple regions.
• By combining Plaid’s real-time transaction data and GFT’s generative AI tooling with FICO’s decision platforms, these alliances deepen FICO’s role at the core of how financial institutions assess risk and manage customer relationships end-to-end.
• Now we’ll examine how embedding Plaid’s cash-flow data into UltraFICO and GFT’s AI into FICO Platform may reshape Fair Isaac’s investment narrative.

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Fair Isaac Investment Narrative Recap

To own Fair Isaac, you need to believe its core role in global credit and risk decisions will endure even as data sources and technology change. The Plaid and GFT partnerships look incrementally positive for the key near term catalyst of accelerating platform and SaaS adoption, while the biggest risk remains potential regulatory and competitive shifts in credit scoring that could chip away at FICO Score dominance.

The Plaid-powered evolution of the cash flow based UltraFICO Score stands out as most relevant here, because it directly addresses the shift toward open banking and alternative data that could otherwise erode the appeal of traditional scorecards. By embedding real time transaction data into a familiar FICO framework, the company appears to be leaning into this trend in a way that could support lender adoption of newer products without abandoning its existing score infrastructure.

Yet investors should also weigh how rising regulatory focus on alternative data and algorithmic fairness could still affect FICO’s scoring moat and pricing power...

Read the full narrative on Fair Isaac (it's free!)

Fair Isaac's narrative projects $2.9 billion revenue and $1.1 billion earnings by 2028. This requires 14.3% yearly revenue growth and an earnings increase of about $0.5 billion from $632.6 million.

Uncover how Fair Isaac's forecasts yield a $2032 fair value, a 14% upside to its current price.

Exploring Other Perspectives

Eighteen members of the Simply Wall St Community value FICO between US$964 and US$2,628 per share, revealing very wide dispersion in expectations. Against this, the recent Plaid and GFT partnerships highlight how quickly the credit decisioning toolkit is evolving, which could matter a lot for how FICO’s growth and competitive position actually play out.

Explore 18 other fair value estimates on Fair Isaac - why the stock might be worth as much as 48% more than the current price!

Build Your Own Fair Isaac Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Fair Isaac research is our analysis highlighting 2 key rewards and 1 important warning sign that could impact your investment decision.
• Our free Fair Isaac research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Fair Isaac's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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