FICO Stock Price and Chart NYSE:FICO

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Fair Isaac saw a increase in short interest in the month of August. As of August 15th, there was short interest totaling 567,400 shares, an increase of 6.4% from the July 31st total of 533,300 shares. Based on an average daily volume of 175,300 shares, the short-interest ratio is currently 3.2 days. 8 Wall Street equities research analysts have issued “buy,” “hold,” and “sell” ratings for Fair Isaac in the last year.

Fair Isaac Corporation (FICO)

Style is calculated by combining value and growth scores, which are first individually calculated. When interest rates are low and loan demand is robust, it can make more loans, earn more fees, and deliver stellar earnings as it did in 2021 and 2022. However, when interest rates rise, and demand for consumer loans is tepid, it puts a lot of pressure on its top and bottom lines. This slowdown in demand has significantly impacted Upstart’s business, which has seen the transaction volume of loans (in dollars) in the second quarter fall 72% from last year. Fellow consumer lender LendingClub experienced a similar hardship as originations dropped 48% in the second quarter.

Dividend yield allows investors, particularly those interested in dividend-paying stocks,
to compare the relationship between a stock’s price and how it rewards stockholders through dividends. The formula for calculating dividend yield is to divide the annual dividend paid per share by the stock price. Management has achieved this while maintaining low fraud rates by increasing the accuracy of its AI models, eliminating previously manual processes, and growing the number of repeat borrowers on its platform. While there is a limit to how many loans can be automated, this high rate should help Upstart maintain healthy margins. The technique has proven to be very useful for finding positive surprises. In fact, when combining a Zacks Rank #3 or better and a positive Earnings ESP, stocks produced a positive surprise 70% of the time, while they also saw 28.3% annual returns on average, according to our 10 year backtest.

Fair Isaac MarketRank™ Forecast

There are currently 2 hold ratings and 6 buy ratings for the stock. The consensus among Wall Street equities research analysts is that investors should “moderate buy” FICO shares. The analytics and credit score provider reports strong quarterly results boosted by higher mortgage originations. Style is an investment factor that has a meaningful impact on investment risk and returns.

They rarely distribute dividends to shareholders, opting for reinvestment in their businesses. More value-oriented stocks tend to represent financial services, utilities, and energy stocks. Upstart uses its home-grown artificial intelligence (AI) models to price credit risk and help more consumers access loans than ever before, and often at better rates. Its goal is to improve on Fair Isaac’s traditional FICO scoring model, which it believes shuts some worthy borrowers out of the financial system, or rates them as riskier than they deserve. Founded in 1956, Fair Isaac Corporation, or FICO, established itself as the industry leader in credit scores, which turned out to be a very lucrative business. Credit scores are used for more than just individual lending decisions; they are benchmarks used by investors, lenders, and the industry overall.

Analyst rating

Only Zacks Rank stocks included in Zacks hypothetical portfolios at the beginning of each month are included in the return calculations. Certain Zacks Rank stocks for which no month-end price was available, pricing information was not collected, or for certain other reasons have been excluded from these return calculations. High-growth stocks tend to represent the technology, healthcare, and communications sectors.

A stock’s beta measures how closely tied its price movements have been to the performance of the overall market. Morningstar analysts hand-select direct competitors or comparable companies to
provide context on the strength and durability of FICO’s
competitive advantage. Volatility companies by revenue profiles based on trailing-three-year calculations of the standard deviation of service investment returns. The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries.

Upstart’s automated process and AI lending models could change consumer lending as we know it

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Zacks Rank stock-rating system returns are computed monthly based on the beginning of the month and end of the month Zacks Rank stock prices plus any dividends received during that particular month. https://1investing.in/ A simple, equally-weighted average return of all Zacks Rank stocks is calculated to determine the monthly return. The monthly returns are then compounded to arrive at the annual return.

• FICO’s beta can be found in Trading Information at the top of this page.
• Since 1988 it has more than doubled the S&P 500 with an average gain of +24.32% per year.
• The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.
• 371 employees have rated Fair Isaac Chief Executive Officer William Lansing on Glassdoor.com.
• Upstart uses its home-grown artificial intelligence (AI) models to price credit risk and help more consumers access loans than ever before, and often at better rates.

Loan growth in recent years has slowed down due to other factors, but management has continued to automate much of the lending process. From the beginning of 2021 through its most recent quarter, the percentage of fully automated loans at Upstart has risen from 71% to 87%. Last year, Upstart Holdings (UPST -0.69%) faced challenges in finding buyers for the loans its AI-powered platform approved. The fintech company also saw a drastic slowdown in consumer lending, with muted demand for its offerings from banking partners, which added to its struggles. According to 8 analysts, the average rating for FICO stock is “Strong Buy.” The 12-month stock price forecast is $893.5, which is a decrease of -1.44% from the latest price.

Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm’s credit scores business accounts for most of the firm’s profits and consists of business-to-business and business-to-consumer offerings. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.

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