$FICO

Analysts updated ratings for NA sector companies. Clear Street's Owen Lau reiterated a Buy rating on Fair Isaac (FICO) with a $1600 price target. Freeport-McMoRan (FCX) was kept at Hold by Bernstein's Bob Brackett. BioAge Labs (BIOA) received a Buy rating from Needham's Joseph Stringer with a $35 target. Analyst consensus for FICO is Moderate Buy, FCX is Strong Buy, and BIOA is Strong Buy.

UBS analyst Kevin Mcveigh kept a Hold rating on Fair Isaac (FICO) with a $1,100 target. Shares closed at $985.39. The consensus is Moderate Buy with a $1,515.82 target. FICO reported Q2 revenue of $674.19M and net profit of $237.17M, up from last year. Insider sentiment is negative, with recent sales by directors.

AI agents are increasingly involved in commerce, with companies like FICO, Shopify, Visa, Amazon, and Affirm playing key roles. FICO's Q3 revenue grew 41%, Shopify's AI-driven orders tripled, Visa's net revenue rose 14%, Amazon's Alexa interactions jumped 5x, and Affirm's GMV surged 35%. These companies are positioned to benefit from the trust and infrastructure needed for agentic commerce, with shares showing mixed performance year-to-date.

Fair Isaac (FICO) dropped 17% after the U.S. Federal Housing Finance Agency directed Fannie Mae and Freddie Mac to approve lenders' use of VantageScore 4.0, ending FICO's monopoly. The company's Q3 2026 revenue was $674.2M, up 26% YoY, with adjusted EPS at $12.18, up 42.1% YoY. FICO's stock is at its lowest since April 2023, trading at 21.4x forward EPS estimates.

Lululemon (LULU) dropped 17.38% after Q2 results and lowered its full-year outlook, reporting a 3.2% Y/Y revenue decline to $2.42B. Fair Isaac (FICO) fell 16.68% to $932.26 after losing its mortgage scoring monopoly. Both companies face industry-specific challenges.

Fair Isaac Corporation (FICO) shares fell 16.68% to $932.26 on Friday after the Federal Housing Finance Agency directed Fannie Mae and Freddie Mac to accept VantageScore 4.0 from all mortgage originators. FICO's stock volume was 4.4 times its 68-session average. The company's mortgage-scoring revenue grew 41% in Q2, contributing 68% of total sales. FICO's balance sheet includes $248.4M in cash and $5.6B in debt, with $3.1B spent on share buybacks in the first nine months of fiscal 2026.

US equities show divergence with semiconductor and biotech stocks rising, while software stocks fall. Belite Bio (BLTE) and Aehr Test Systems (AEHR) lead gains, while Guidewire Software (GWRE) and lululemon (LULU) lead declines. SanDisk (SNDK), Cohu (COHU), and Cerebras Systems (CBRS) also see notable gains. Fair Isaac (FICO), UiPath (PATH), and Asana (ASAN) experience significant drops.

Fair Isaac (FICO) stock fell 16.7% to $932.26 after the FHFA directed Fannie Mae and Freddie Mac to accept VantageScore 4.0, a cheaper alternative to FICO's mortgage credit scores. FICO's revenue rose 26% to $674M in Q3 2026, with mortgage origination revenue surging 97%, but faces competition from VantageScore, which is owned by FICO's distribution partners.

FHFA Director Bill Pulte ordered Fannie Mae and Freddie Mac to allow all lenders to use VantageScore 4.0 for mortgages, expanding a previous pilot. FICO shares fell 16.68% on Friday, closing at $932.26, as investors reacted to the potential threat to its mortgage-scoring business. VantageScore 4.0 is priced at $0.99 per score, significantly lower than FICO's $10 per score. Equifax and TransUnion shares also declined following Pulte's comments about credit bureau pricing.

FICO (FICO), Equifax (EFX), and TransUnion (TRU) shares fell sharply after Federal Housing Finance Agency Director Bill Pulte announced potential regulatory changes. Pulte proposed allowing VantageScore as an alternative to FICO in mortgage lending and suggested bi-merge credit reports. Analysts note this could reduce FICO's dominance and impact up to one-third of mortgage inquiries, with varying effects on the credit bureaus' revenues.