+ Watch FICO
on My Watchlist
The Company provides products and services that enable businesses to automate and improve decisions.
FICO has an A for financial health and a PEG less than 1 on Morningstar, so it's one of my long picks.
As the economic situation in the USA changes, banks will lend again, and banks will use FICO scores again.
credit card use rising, especially in emerging markets. FICO's leading software products will grow in demand accordingly.
proprietary short model
Credit scores are important factors to consider when trying to pull an entire country out of recession and/or into recovery ... they should capitalize on this fact.
HOME OF FICO
Ok the bears on this stock say housing crash and FICO will be blamed for telling the lenders its ok to loan to these people who later defaulted. But I think that the credit crises (yes, plural) actually strengthen FIC due to more interest (not a pun, ugh) in score monitoring. I just hope that the media and culture engenders a moral responsibility in the American people to save instead of spend. Be that un-PC, ok.
Fortune 40 Small Wonders
Home of the FICO credit score. Stock price beat up because financials are main customers. Has sold medical segment to raise cash and is in process of restructuring. Insider buying and ownership. Technically appears to have broken thru down sloping trend line,
As much as I love this company, the housing crunch has had its way while trying to lay blame on someone. Although FICO was in no wise responsile for this debaucle (just greedy lenders). The fingers are pointing their way. It seems that every one wants to blame everyone else for this blow up and since FICO generates the scores, they get the fallout frm the 'not me' generation. Any thinking person would know that the scores are what the scores are but FICO WILL pay a price. With the advent of the Vantage score toutedfrom the three bureaus, this would be time to mve in with an attempted killing blow. I think it will survive, but in the meantime, FISO stocks will be a little shaky.
Lack of growth is the big problem for FIC, among many. Despite the FICO credit scoring business being a virtual monopoly, it has a very low profit margin and isn't growing. The company has tried to grow through acquisitions, but doesn't have a good track record. The dividend is so small as to be irrelevant and options issuance offsets the share buyback program. There is new management on board which is a positive, I don't see much upside here.
Good business model; credit rating will become a much more important concept post mortgage meltdown.
has a stranglehold on fraud and id theft market. Will bounce once it finalizes its growth plans
FIC's product is critical to assessing personal creditworthiness. Demand should grow as lenders pick their way through the current credit crisis. FIC's cash flow should remain strong.
Maker of FICO score. Strong relationship both in US and overseas to expand growth.
Anyone who says that competition is closing in on Fair Isaac is dreaming. FICO is firmly established as THE scoring method for too many creditors. Have you noticed how risk-averse and change-averse and bureaucratic 99% of lending institutions are? Competing products from the CRA's like VantageScore are merely distractions. This juggernaut will continue to march forward for many years, for good or for ill.
Tom Grudnowski (the former CEO) has finally resigned. He has raked the company over the coals the last 5 years to line his own pocket. The company still has great products, it just needs to rebuild the R
A neat, highly specialized company dominant in credit portfolio analytics and systems.
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