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Can someone school me on FICO?
Posted on 9/21/26 at 9:28 pm
Posted on 9/21/26 at 9:28 pm
Stock is down 53% ytd.
Monopoly over?
Housing down?
Is the sell off over done or is this a classic value trap?
The only moving average left is the 200 day on the monthly chart…all the way down to $446
Stock is $924 now trading at 17.5 forward P/E and still growing at a good clip…a stunning 24% YoY.
Monopoly over?
Housing down?
Is the sell off over done or is this a classic value trap?
The only moving average left is the 200 day on the monthly chart…all the way down to $446
Stock is $924 now trading at 17.5 forward P/E and still growing at a good clip…a stunning 24% YoY.
Posted on 9/22/26 at 6:23 am to bayoubengals88
I heard about this on CNBC last week. They've aggressively increased
prices leading some customers to seek other methods.
2023: FICO implemented a steep tier-based structure ranging from $0.60 to $2.75 per score (spiking costs up to 400% for some).
2024: FICO shifted to a fixed royalty of $3.50 per score after receiving heavy industry pushback.
2025: FICO raised the price further to $4.95 per score.
2026: FICO doubled prices again up to $10.00 for certain traditional mortgage reporting channels while introducing direct-licensing alternatives
prices leading some customers to seek other methods.
2023: FICO implemented a steep tier-based structure ranging from $0.60 to $2.75 per score (spiking costs up to 400% for some).
2024: FICO shifted to a fixed royalty of $3.50 per score after receiving heavy industry pushback.
2025: FICO raised the price further to $4.95 per score.
2026: FICO doubled prices again up to $10.00 for certain traditional mortgage reporting channels while introducing direct-licensing alternatives
This post was edited on 9/22/26 at 6:24 am
Posted on 9/22/26 at 6:33 am to bayoubengals88
Meanwhile,
Same link further down has article with more bullish take: "FICO Stock Has Fallen 43% From Its Peak. Does the Selloff Make Sense?"
quote:finance.yahoo.com
The Federal Housing Finance Agency has shaken up Fair Isaac (FICO) by allowing Fannie Mae and Freddie Mac to accept VantageScore 4.0, ending FICO's exclusive role in government backed mortgage credit scoring.
Same link further down has article with more bullish take: "FICO Stock Has Fallen 43% From Its Peak. Does the Selloff Make Sense?"
quote:
The Business Kept Growing While the Stock Fell
The economics of FICO's model are genuinely unusual, and understanding them is what makes the 2026 selloff so interesting. An 85% gross margin means almost every revenue dollar above the marginal cost of delivering a score flows straight through to gross profit.
This post was edited on 9/22/26 at 6:39 am
Posted on 9/22/26 at 6:40 am to bayoubengals88
In the biz, know you enough
Don’t
Don’t
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