$FICO

FICO's latest report shows the average FICO score remained steady at 714, with delinquencies stable or improving across most loan types. First-time homebuyer payments rose 57% to $2,563 since 2019, highlighting affordability pressures. Lower-scoring borrowers face the greatest financial strain, while younger generations show credit score gains.

Fair Isaac (FICO) announced partnerships with Informative Research and Alogram, expanding its credit risk and fraud analytics ecosystem. The stock is down 29.02% year-to-date but up 156.27% over five years. Analysts suggest it may be undervalued at $1,166.40, with a fair value estimate of $1,512.25, citing strong margins and recurring revenue growth. Risks include mortgage exposure and software adoption rates.

Deutsche Bank analyst Faiza Alwy identified top Business and Info Services stocks post-Q2 earnings. Aramark (ARMK) and TransUnion (TRU) raised outlooks, while CoStar Group (CSGP) lowered guidance. Equifax (EFX) and Fair Isaac (FICO) beat EPS estimates. Moody’s (MCO) and S&P Global (SPGI) surpassed revenue and profit forecasts. Republic Services (RSG) and Trinity Health (TH) showed upside potential. Deutsche Bank upgraded Trinity Health (TH) to Buy.

The article says buy-now-pay-later (BNPL) loans that were previously not reported to credit bureaus are increasingly appearing on credit files. It cites Affirm starting reporting to Experian on Apr 1, 2025 and to TransUnion weeks later, and FICO launching FICO Score 10 BNPL and FICO Score 10 T BNPL on Jun 23, 2025, rolling out that fall. It notes retirees’ scores may move about 10 points depending on payment behavior and lender model adoption.

Fair Isaac (FICO) shares fell 17% on July 30 and are down 34% since January. In fiscal Q3, revenue was $674.2M (slightly below $678.9M consensus) and adjusted EPS was $12.18 (above $11.74). FY26 guidance was raised but below Street estimates. FICO spent $1.96B on a $2B buyback. Street mean target is $1,473 vs $1,086 close.

FICO management reported Q3 2026 results on an earnings call. Scores segment revenue rose to $458.9 million (+41%), driven by higher mortgage origination score pricing. Software ARR was $816 million (+10%) and platform ARR $413 million (+62%). Fiscal 2026 revenue guidance was raised to $2.53 billion and non-GAAP EPS to $42.43. FCF was $370.3 million and the company repurchased $1.96 billion of shares.

Alogram Inc. said its fraud intelligence tools are now listed on FICO Marketplace, a decisioning tools platform within FICO Platform. The offerings include Account, Behavioral, Email, Identity, Purchase, and Telecom Intelligence, intended to provide explainable, audit-ready evidence for suspicious digital activity. FICO (NYSE:FICO) said customers can move from discovery to test calls within hours.

Fair Isaac (FICO) closed Aug 7 at $1,041.40, about 48% below its Oct high, after a July 29 quarter beat and raised full-year guidance. Despite non-GAAP EPS of $12.18 and revenue of $674M, Wolfe downgraded Aug 3 and banks cut targets amid concerns VantageScore could erode mortgage pricing. Key valuation targets cited: ~$1,850 mid and ~$1,490 Street.

Simply Wall St reports Fair Isaac (FICO) posted Q3 2026 results with revenue and net income above the prior year, and FICO Platform sales surpassing legacy products for the first time. The article cites higher full-year guidance but notes the stock is down 16.75% over 30 days and 36.63% YTD. It estimates fair value at about $1,512 vs $1,041.40 last close.

Investing.com’s Wall Street analyst recap says Wolfe downgraded Fair Isaac (FICO) to Peer Perform, Jefferies cut Best Buy (BBY) to Hold, and BofA downgraded Vale (VALE) to Neutral, citing weaker iron ore margins and an 11% lower $16 target. It also covers WTTR and RGNX downgrades and targets.