Fair Isaac (FICO) seasonality heatmap
Returns across monthly, quarterly, and yearly periods. Cell color encodes signed magnitude; the scale auto-fits each table.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -13.5% | -3.7% | -24.3% | -4.0% | +22.0% | -5.5% | — | — | — | — | — | — |
| 2025 | -5.9% | +0.7% | -2.2% | +7.9% | -13.2% | +5.9% | -21.4% | +5.9% | -1.7% | +10.9% | +8.8% | -6.4% |
| 2024 | +3.0% | +5.9% | -1.6% | -9.3% | +13.8% | +15.4% | +7.5% | +8.1% | +12.3% | +2.6% | +19.2% | -16.2% |
| 2023 | +11.3% | +1.7% | +3.7% | +3.6% | +8.2% | +2.7% | +3.6% | +8.0% | -4.0% | -2.6% | +28.6% | +7.0% |
| 2022 | +14.1% | -4.8% | -1.0% | -19.9% | +9.6% | -2.1% | +15.2% | -2.7% | -8.3% | +16.2% | +29.4% | -3.4% |
| 2021 | -11.9% | +1.7% | +6.2% | +7.3% | -2.9% | -0.7% | +4.2% | -12.2% | -13.4% | +0.1% | -11.3% | +22.8% |
| 2020 | +7.4% | -6.5% | -18.2% | +14.7% | +14.1% | +3.8% | +5.1% | -4.2% | +1.1% | -8.0% | +20.8% | +8.1% |
| 2019 | +20.4% | +10.0% | +9.6% | +3.0% | +5.8% | +6.1% | +10.6% | +1.5% | -13.9% | +0.2% | +21.0% | +1.9% |
| 2018 | +12.7% | -1.6% | -0.3% | +2.2% | +6.3% | +5.0% | +4.2% | +14.7% | -1.1% | -15.7% | +3.1% | -5.9% |
| 2017 | +3.4% | +5.5% | -0.8% | +5.1% | -2.1% | +5.1% | +2.3% | -1.3% | -0.2% | +3.3% | +8.2% | -2.5% |
| 2016 | +1.5% | +4.1% | +6.6% | +0.6% | +4.4% | +1.4% | +12.1% | +1.0% | -2.6% | -3.1% | -5.8% | +4.9% |
| 2015 | -1.3% | +19.3% | +4.2% | -0.3% | -0.8% | +3.5% | -0.1% | -5.6% | -1.2% | +9.3% | +3.1% | -1.1% |
| 2014 | -13.5% | -1.1% | +3.0% | +3.4% | +3.0% | +8.3% | -10.4% | +1.8% | -5.2% | +13.1% | +15.2% | +0.8% |
| 2013 | +7.2% | -1.6% | +3.1% | +1.9% | +5.4% | -6.6% | +9.0% | +0.2% | +10.4% | +3.6% | +3.0% | +6.5% |
| 2012 | +1.1% | +11.8% | +8.5% | -2.3% | -5.2% | +4.0% | +2.4% | -1.3% | +3.7% | +5.3% | -8.1% | -1.8% |
| 2011 | +8.6% | +10.2% | +13.1% | -5.5% | -2.0% | +3.2% | -1.5% | -14.1% | -14.5% | +25.3% | +33.0% | -1.4% |
| 2010 | +2.9% | +4.8% | +10.4% | -16.9% | +10.2% | -6.1% | +9.4% | -6.1% | +10.3% | -2.5% | -2.9% | +0.2% |
| 2009 | -24.6% | -13.7% | +28.5% | +19.6% | +4.7% | -12.1% | +24.1% | +16.2% | -3.6% | -5.4% | -10.3% | +16.9% |
| 2008 | -20.7% | -8.9% | -7.3% | +15.1% | +2.1% | -17.8% | +7.2% | +3.8% | -0.1% | -32.4% | -9.3% | +19.4% |
| 2007 | -2.0% | -1.9% | -0.9% | -7.7% | +6.0% | +6.0% | -2.2% | -5.8% | -2.4% | +5.0% | -2.5% | -13.0% |
| 2006 | +0.3% | -3.8% | -7.0% | -6.3% | -4.1% | +2.1% | -7.0% | +3.6% | +4.5% | +0.2% | +13.6% | -2.3% |
| 2005 | -5.8% | -2.1% | +1.9% | -4.5% | +4.2% | +6.6% | +3.1% | +8.6% | +9.7% | -6.8% | +9.7% | -3.6% |
| 2004 | +20.8% | +0.5% | -9.3% | -6.5% | +3.1% | -3.9% | -14.4% | -5.8% | +8.5% | +3.4% | +9.9% | +10.6% |
| 2003 | +16.5% | -1.8% | +4.1% | +2.5% | +7.1% | -7.7% | +5.0% | +8.5% | +0.6% | +8.2% | -13.5% | -10.9% |
| 2002 | -9.4% | +7.5% | +3.3% | -12.1% | +5.1% | -15.8% | +8.4% | -0.5% | -7.7% | +17.6% | +13.9% | -2.5% |
| 2001 | +15.7% | +4.8% | -5.3% | +18.6% | +8.1% | +23.7% | +0.9% | -2.2% | -22.6% | +0.7% | +24.4% | +6.5% |
| 2000 | -13.7% | +6.7% | -20.4% | +8.8% | -0.4% | +4.5% | +13.2% | -7.7% | -7.1% | -3.9% | +2.0% | +22.0% |
| 1999 | +9.3% | -8.8% | -19.4% | -8.3% | -3.6% | +7.1% | -3.5% | -16.4% | -0.7% | +37.7% | +10.0% | +24.8% |
| 1998 | -11.6% | +20.3% | +6.7% | +5.3% | -8.7% | +4.7% | +1.0% | -19.4% | +7.9% | +20.2% | +0.3% | +14.7% |
| 1997 | +3.2% | -10.2% | -0.3% | -12.5% | +24.9% | +12.8% | +0.6% | -5.8% | +4.9% | -1.8% | -1.3% | -22.3% |
| 1996 | +4.4% | +4.7% | +6.1% | +41.6% | +9.1% | -4.5% | -10.5% | +2.3% | -4.4% | -2.9% | -6.9% | +11.8% |
| 1995 | -28.0% | -12.1% | +35.3% | -3.7% | +9.8% | +17.1% | -7.5% | -5.4% | +11.5% | -6.9% | +3.8% | -7.6% |
| 1994 | +16.5% | +2.2% | -2.7% | +0.8% | +7.6% | +3.5% | +6.8% | +6.2% | +7.3% | +14.0% | +4.4% | +33.5% |
| 1993 | +27.2% | -6.4% | +26.7% | -9.2% | -4.2% | +5.3% | +0.8% | +19.1% | +1.0% | +8.6% | -2.2% | +2.3% |
| 1992 | +13.2% | +24.5% | +3.4% | -16.2% | -4.0% | +5.9% | -8.4% | -4.9% | +9.0% | -18.2% | +23.7% | +0.6% |
| 1991 | +10.5% | +20.0% | +18.5% | +17.8% | +0.0% | -8.4% | +9.2% | +6.7% | -7.9% | +2.6% | +0.0% | +20.0% |
| 1990 | -25.0% | +19.1% | -8.7% | -4.8% | +0.0% | +10.0% | -13.6% | +3.7% | -2.6% | +0.0% | +15.8% | -13.6% |
| 1989 | +3.8% | +30.3% | -2.6% | -8.9% | -32.2% | +4.8% | +31.8% | -2.8% | -7.1% | +3.8% | +0.0% | -3.7% |
| 1988 | +5.3% | -5.0% | +31.6% | -8.0% | -10.9% | +2.4% | -4.8% | +25.0% | +20.0% | -1.7% | +0.0% | -11.9% |
| 1987 | — | — | — | — | — | — | — | +7.6% | +3.1% | -40.1% | -29.2% | +11.8% |
| Avg | +1.4% | +3.1% | +2.6% | +0.3% | +2.6% | +2.5% | +2.4% | +0.7% | -0.2% | +1.5% | +5.7% | +3.0% |
| Median | +3.2% | +1.7% | +3.0% | -0.3% | +4.2% | +3.9% | +2.7% | +0.2% | -0.7% | +0.7% | +3.1% | +0.6% |
| Last 5Y Avg | +1.8% | -0.0% | -5.1% | -4.3% | +8.1% | +4.3% | +1.8% | +1.4% | -3.0% | +5.4% | +14.9% | +0.8% |
| Std Dev (σ) | 13.5% | 10.3% | 13.1% | 11.9% | 9.8% | 8.4% | 10.3% | 9.3% | 8.6% | 13.8% | 13.4% | 12.4% |
| Consistency (μ/σ) | 0.10 | 0.30 | 0.20 | 0.03 | 0.26 | 0.30 | 0.24 | 0.08 | -0.02 | 0.11 | 0.43 | 0.24 |
| Win Rate (%) | 64% | 56% | 54% | 49% | 59% | 71% | 66% | 51% | 44% | 59% | 62% | 54% |
| Winning / Losing Months | ▲25▼14 | ▲22▼17 | ▲21▼18 | ▲19▼20 | ▲23▼16 | ▲27▼11 | ▲25▼13 | ▲20▼19 | ▲17▼22 | ▲23▼16 | ▲24▼15 | ▲21▼18 |
| Longest Win / Loss Streak | ▲5▼3 | ▲4▼5 | ▲8▼3 | ▲6▼4 | ▲5▼6 | ▲7▼3 | ▲9▼2 | ▲3▼6 | ▲4▼6 | ▲5▼3 | ▲5▼4 | ▲4▼3 |
| Best | +27.2%in January 1993 | +30.3%in February 1989 | +35.3%in March 1995 | +41.6%in April 1996 | +24.9%in May 1997 | +23.7%in June 2001 | +31.8%in July 1989 | +25.0%in August 1988 | +20.0%in September 1988 | +37.7%in October 1999 | +33.0%in November 2011 | +33.5%in December 1994 |
| Worst | -28.0%in January 1995 | -13.7%in February 2009 | -24.3%in March 2026 | -19.9%in April 2022 | -32.2%in May 1989 | -17.8%in June 2008 | -21.4%in July 2025 | -19.4%in August 1998 | -22.6%in September 2001 | -40.1%in October 1987 | -29.2%in November 1987 | -22.3%in December 1997 |
−40.1%+41.6%
2026
Jan-13.5%
Feb-3.7%
Mar-24.3%
Apr-4.0%
May+22.0%
Jun-5.5%
Jul—
Aug—
Sep—
Oct—
Nov—
Dec—
2025
Jan-5.9%
Feb+0.7%
Mar-2.2%
Apr+7.9%
May-13.2%
Jun+5.9%
Jul-21.4%
Aug+5.9%
Sep-1.7%
Oct+10.9%
Nov+8.8%
Dec-6.4%
2024
Jan+3.0%
Feb+5.9%
Mar-1.6%
Apr-9.3%
May+13.8%
Jun+15.4%
Jul+7.5%
Aug+8.1%
Sep+12.3%
Oct+2.6%
Nov+19.2%
Dec-16.2%
2023
Jan+11.3%
Feb+1.7%
Mar+3.7%
Apr+3.6%
May+8.2%
Jun+2.7%
Jul+3.6%
Aug+8.0%
Sep-4.0%
Oct-2.6%
Nov+28.6%
Dec+7.0%
2022
Jan+14.1%
Feb-4.8%
Mar-1.0%
Apr-19.9%
May+9.6%
Jun-2.1%
Jul+15.2%
Aug-2.7%
Sep-8.3%
Oct+16.2%
Nov+29.4%
Dec-3.4%
2021
Jan-11.9%
Feb+1.7%
Mar+6.2%
Apr+7.3%
May-2.9%
Jun-0.7%
Jul+4.2%
Aug-12.2%
Sep-13.4%
Oct+0.1%
Nov-11.3%
Dec+22.8%
2020
Jan+7.4%
Feb-6.5%
Mar-18.2%
Apr+14.7%
May+14.1%
Jun+3.8%
Jul+5.1%
Aug-4.2%
Sep+1.1%
Oct-8.0%
Nov+20.8%
Dec+8.1%
2019
Jan+20.4%
Feb+10.0%
Mar+9.6%
Apr+3.0%
May+5.8%
Jun+6.1%
Jul+10.6%
Aug+1.5%
Sep-13.9%
Oct+0.2%
Nov+21.0%
Dec+1.9%
2018
Jan+12.7%
Feb-1.6%
Mar-0.3%
Apr+2.2%
May+6.3%
Jun+5.0%
Jul+4.2%
Aug+14.7%
Sep-1.1%
Oct-15.7%
Nov+3.1%
Dec-5.9%
2017
Jan+3.4%
Feb+5.5%
Mar-0.8%
Apr+5.1%
May-2.1%
Jun+5.1%
Jul+2.3%
Aug-1.3%
Sep-0.2%
Oct+3.3%
Nov+8.2%
Dec-2.5%
2016
Jan+1.5%
Feb+4.1%
Mar+6.6%
Apr+0.6%
May+4.4%
Jun+1.4%
Jul+12.1%
Aug+1.0%
Sep-2.6%
Oct-3.1%
Nov-5.8%
Dec+4.9%
2015
Jan-1.3%
Feb+19.3%
Mar+4.2%
Apr-0.3%
May-0.8%
Jun+3.5%
Jul-0.1%
Aug-5.6%
Sep-1.2%
Oct+9.3%
Nov+3.1%
Dec-1.1%
2014
Jan-13.5%
Feb-1.1%
Mar+3.0%
Apr+3.4%
May+3.0%
Jun+8.3%
Jul-10.4%
Aug+1.8%
Sep-5.2%
Oct+13.1%
Nov+15.2%
Dec+0.8%
2013
Jan+7.2%
Feb-1.6%
Mar+3.1%
Apr+1.9%
May+5.4%
Jun-6.6%
Jul+9.0%
Aug+0.2%
Sep+10.4%
Oct+3.6%
Nov+3.0%
Dec+6.5%
2012
Jan+1.1%
Feb+11.8%
Mar+8.5%
Apr-2.3%
May-5.2%
Jun+4.0%
Jul+2.4%
Aug-1.3%
Sep+3.7%
Oct+5.3%
Nov-8.1%
Dec-1.8%
2011
Jan+8.6%
Feb+10.2%
Mar+13.1%
Apr-5.5%
May-2.0%
Jun+3.2%
Jul-1.5%
Aug-14.1%
Sep-14.5%
Oct+25.3%
Nov+33.0%
Dec-1.4%
2010
Jan+2.9%
Feb+4.8%
Mar+10.4%
Apr-16.9%
May+10.2%
Jun-6.1%
Jul+9.4%
Aug-6.1%
Sep+10.3%
Oct-2.5%
Nov-2.9%
Dec+0.2%
2009
Jan-24.6%
Feb-13.7%
Mar+28.5%
Apr+19.6%
May+4.7%
Jun-12.1%
Jul+24.1%
Aug+16.2%
Sep-3.6%
Oct-5.4%
Nov-10.3%
Dec+16.9%
2008
Jan-20.7%
Feb-8.9%
Mar-7.3%
Apr+15.1%
May+2.1%
Jun-17.8%
Jul+7.2%
Aug+3.8%
Sep-0.1%
Oct-32.4%
Nov-9.3%
Dec+19.4%
2007
Jan-2.0%
Feb-1.9%
Mar-0.9%
Apr-7.7%
May+6.0%
Jun+6.0%
Jul-2.2%
Aug-5.8%
Sep-2.4%
Oct+5.0%
Nov-2.5%
Dec-13.0%
2006
Jan+0.3%
Feb-3.8%
Mar-7.0%
Apr-6.3%
May-4.1%
Jun+2.1%
Jul-7.0%
Aug+3.6%
Sep+4.5%
Oct+0.2%
Nov+13.6%
Dec-2.3%
2005
Jan-5.8%
Feb-2.1%
Mar+1.9%
Apr-4.5%
May+4.2%
Jun+6.6%
Jul+3.1%
Aug+8.6%
Sep+9.7%
Oct-6.8%
Nov+9.7%
Dec-3.6%
2004
Jan+20.8%
Feb+0.5%
Mar-9.3%
Apr-6.5%
May+3.1%
Jun-3.9%
Jul-14.4%
Aug-5.8%
Sep+8.5%
Oct+3.4%
Nov+9.9%
Dec+10.6%
2003
Jan+16.5%
Feb-1.8%
Mar+4.1%
Apr+2.5%
May+7.1%
Jun-7.7%
Jul+5.0%
Aug+8.5%
Sep+0.6%
Oct+8.2%
Nov-13.5%
Dec-10.9%
2002
Jan-9.4%
Feb+7.5%
Mar+3.3%
Apr-12.1%
May+5.1%
Jun-15.8%
Jul+8.4%
Aug-0.5%
Sep-7.7%
Oct+17.6%
Nov+13.9%
Dec-2.5%
2001
Jan+15.7%
Feb+4.8%
Mar-5.3%
Apr+18.6%
May+8.1%
Jun+23.7%
Jul+0.9%
Aug-2.2%
Sep-22.6%
Oct+0.7%
Nov+24.4%
Dec+6.5%
2000
Jan-13.7%
Feb+6.7%
Mar-20.4%
Apr+8.8%
May-0.4%
Jun+4.5%
Jul+13.2%
Aug-7.7%
Sep-7.1%
Oct-3.9%
Nov+2.0%
Dec+22.0%
1999
Jan+9.3%
Feb-8.8%
Mar-19.4%
Apr-8.3%
May-3.6%
Jun+7.1%
Jul-3.5%
Aug-16.4%
Sep-0.7%
Oct+37.7%
Nov+10.0%
Dec+24.8%
1998
Jan-11.6%
Feb+20.3%
Mar+6.7%
Apr+5.3%
May-8.7%
Jun+4.7%
Jul+1.0%
Aug-19.4%
Sep+7.9%
Oct+20.2%
Nov+0.3%
Dec+14.7%
1997
Jan+3.2%
Feb-10.2%
Mar-0.3%
Apr-12.5%
May+24.9%
Jun+12.8%
Jul+0.6%
Aug-5.8%
Sep+4.9%
Oct-1.8%
Nov-1.3%
Dec-22.3%
1996
Jan+4.4%
Feb+4.7%
Mar+6.1%
Apr+41.6%
May+9.1%
Jun-4.5%
Jul-10.5%
Aug+2.3%
Sep-4.4%
Oct-2.9%
Nov-6.9%
Dec+11.8%
1995
Jan-28.0%
Feb-12.1%
Mar+35.3%
Apr-3.7%
May+9.8%
Jun+17.1%
Jul-7.5%
Aug-5.4%
Sep+11.5%
Oct-6.9%
Nov+3.8%
Dec-7.6%
1994
Jan+16.5%
Feb+2.2%
Mar-2.7%
Apr+0.8%
May+7.6%
Jun+3.5%
Jul+6.8%
Aug+6.2%
Sep+7.3%
Oct+14.0%
Nov+4.4%
Dec+33.5%
1993
Jan+27.2%
Feb-6.4%
Mar+26.7%
Apr-9.2%
May-4.2%
Jun+5.3%
Jul+0.8%
Aug+19.1%
Sep+1.0%
Oct+8.6%
Nov-2.2%
Dec+2.3%
1992
Jan+13.2%
Feb+24.5%
Mar+3.4%
Apr-16.2%
May-4.0%
Jun+5.9%
Jul-8.4%
Aug-4.9%
Sep+9.0%
Oct-18.2%
Nov+23.7%
Dec+0.6%
1991
Jan+10.5%
Feb+20.0%
Mar+18.5%
Apr+17.8%
May+0.0%
Jun-8.4%
Jul+9.2%
Aug+6.7%
Sep-7.9%
Oct+2.6%
Nov+0.0%
Dec+20.0%
1990
Jan-25.0%
Feb+19.1%
Mar-8.7%
Apr-4.8%
May+0.0%
Jun+10.0%
Jul-13.6%
Aug+3.7%
Sep-2.6%
Oct+0.0%
Nov+15.8%
Dec-13.6%
1989
Jan+3.8%
Feb+30.3%
Mar-2.6%
Apr-8.9%
May-32.2%
Jun+4.8%
Jul+31.8%
Aug-2.8%
Sep-7.1%
Oct+3.8%
Nov+0.0%
Dec-3.7%
1988
Jan+5.3%
Feb-5.0%
Mar+31.6%
Apr-8.0%
May-10.9%
Jun+2.4%
Jul-4.8%
Aug+25.0%
Sep+20.0%
Oct-1.7%
Nov+0.0%
Dec-11.9%
1987
Jan—
Feb—
Mar—
Apr—
May—
Jun—
Jul—
Aug+7.6%
Sep+3.1%
Oct-40.1%
Nov-29.2%
Dec+11.8%
Avg
Jan+1.4%
Feb+3.1%
Mar+2.6%
Apr+0.3%
May+2.6%
Jun+2.5%
Jul+2.4%
Aug+0.7%
Sep-0.2%
Oct+1.5%
Nov+5.7%
Dec+3.0%
Median
Jan+3.2%
Feb+1.7%
Mar+3.0%
Apr-0.3%
May+4.2%
Jun+3.9%
Jul+2.7%
Aug+0.2%
Sep-0.7%
Oct+0.7%
Nov+3.1%
Dec+0.6%
Last 5Y Avg
Jan+1.8%
Feb-0.0%
Mar-5.1%
Apr-4.3%
May+8.1%
Jun+4.3%
Jul+1.8%
Aug+1.4%
Sep-3.0%
Oct+5.4%
Nov+14.9%
Dec+0.8%
Std Dev (σ)
Jan13.5%
Feb10.3%
Mar13.1%
Apr11.9%
May9.8%
Jun8.4%
Jul10.3%
Aug9.3%
Sep8.6%
Oct13.8%
Nov13.4%
Dec12.4%
Consistency (μ/σ)
Jan0.10
Feb0.30
Mar0.20
Apr0.03
May0.26
Jun0.30
Jul0.24
Aug0.08
Sep-0.02
Oct0.11
Nov0.43
Dec0.24
Win Rate (%)
Jan64%
Feb56%
Mar54%
Apr49%
May59%
Jun71%
Jul66%
Aug51%
Sep44%
Oct59%
Nov62%
Dec54%
Winning / Losing Months
Jan▲25▼14
Feb▲22▼17
Mar▲21▼18
Apr▲19▼20
May▲23▼16
Jun▲27▼11
Jul▲25▼13
Aug▲20▼19
Sep▲17▼22
Oct▲23▼16
Nov▲24▼15
Dec▲21▼18
Longest Win / Loss Streak
Jan▲5▼3
Feb▲4▼5
Mar▲8▼3
Apr▲6▼4
May▲5▼6
Jun▲7▼3
Jul▲9▼2
Aug▲3▼6
Sep▲4▼6
Oct▲5▼3
Nov▲5▼4
Dec▲4▼3
Best
Jan+27.2%1993
Feb+30.3%1989
Mar+35.3%1995
Apr+41.6%1996
May+24.9%1997
Jun+23.7%2001
Jul+31.8%1989
Aug+25.0%1988
Sep+20.0%1988
Oct+37.7%1999
Nov+33.0%2011
Dec+33.5%1994
Worst
Jan-28.0%1995
Feb-13.7%2009
Mar-24.3%2026
Apr-19.9%2022
May-32.2%1989
Jun-17.8%2008
Jul-21.4%2025
Aug-19.4%1998
Sep-22.6%2001
Oct-40.1%1987
Nov-29.2%1987
Dec-22.3%1997
−40.1%+41.6%
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