FICO's Trading Volume Surges to 270th Place Despite Stock Price Dip

On July 21, 2025, Fair Isaac Corporation (FICO) experienced a trading volume of 3.91 billion, marking a 33.96% increase from the previous day. This surge placed FICO among the top 270 stocks in terms of trading volume for the day. However, the stock price of FICO declined by 0.68%.

FICO has announced the integration of Buy Now, Pay Later (BNPL) data into its upgraded Score 10 and Score 10 T credit models. This move aims to provide lenders with greater visibility into consumers' creditworthiness by including BNPL data, which has become increasingly popular among consumers. The inclusion of BNPL data is expected to offer a more comprehensive view of consumers' financial behavior, potentially influencing lending decisions and consumer behavior.

Regulatory shifts are making BNPL risks more transparent. By fall 2025, FICO will incorporate BNPL data into its credit scoring model, reflecting the growing importance of BNPL services in the consumer finance landscape. This change is significant as it could impact how consumers use BNPL services and how lenders assess credit risk.

Improper usage of BNPL services could negatively impact credit scores, potentially leading to a significant drop. Consumers need to be aware of how their BNPL usage affects their credit scores and take steps to manage their BNPL accounts responsibly. The integration of BNPL data into FICO's credit scoring model is a significant development that could reshape the consumer credit landscape.