$FICO Fair Isaac Tape Reports
Per Ticker.id: $FICO Fair Isaac Tape Reports — 14 podcast mentions across 3 podcasts (30 days), latest 2026-08-06 10:00 UTC.
By the end of the week, news reports indicated that the parties were close to opening the strait, but nothing on nuclear materials at all. We shall see. But the market rallied back to all-time highs and oil prices declined below $80. Over the weekend, I posted a short note on Substack in which I stated that the reasons for the demise of the Situational Awareness hedge fund was the leverage, which was 4 times, and the fact that the longs and shorts were completely correlated. And I'd like to explain this correlation concept further because I did not make it clear. Imagine I'm long Goldman Sachs and short Fair Isaac, FICO. I'm long Goldman because I think the current strong investment banking cycle will last a long time. And I'm short FICO because I believe it is going to lose its consumer scoring monopoly. That's my thesis. Forget about whether you agree with these investment cases or not. The point here is that the two stocks have literally nothing to do with one another. The fundamentals of both companies are completely independent. The two positions are uncorrelated. If I could construct a long-short portfolio with positions like this, I'd have an uncorrelated long-short portfolio. Now imagine it's the early 1900s, and I believe that the automobile is going to conquer the world and replace the horse carriage. Then imagine that I construct a portfolio where I am long every public auto and auto parts company and I'm short every public horse carriage company. This portfolio is the exact opposite of Goldman and FICO. The longs and shorts are completely correlated. If autos go up, carriages must go down and vice versa. Now, what's the matter with that, you say? Isn't the thesis completely correct? Well, obviously in 2020 hindsight it is, and that is true. But over what period of time? Imagine there is a bad car accident that gets a lot of press. All of a sudden, people start to doubt the future of the automobile and our longs all go down and our shorts all go up. Every trade goes against us at the same time. That's what happened to situational awareness. The fund was long AI beneficiaries and short companies Leopold thought would get hurt by AI, like certain software companies. The longs and shorts were all correlated. In essence, it was all just one trade.
Steve Eisman — The Real Eisman Playbook · SpaceX Disappoints, AI's Free Cash Flow Shrinks, Meta Struggles | The Weekly Wrap · 2026-08-07And get this, the name of the organization is Fair Isaac.
Dave Ramsey — The Ramsey Show · Make Hard Decisions Now So Future You Can Win · 2026-08-06But earnings were down 30% versus last year. On the negative side, both orders down 9% year over year and revenue down 14% were a little shy of expectations. But I think most importantly, free cash flow was significantly stronger than expected as the company has begun to dial back land spend in favor of increased share repurchases, given the stock's discounted valuation. During the quarter, Meredith repurchased $100 million worth of stock, which is 2% of outstanding shares, and it has bought back 5% of outstanding shares since the beginning of the year. Moving on, Fair Isaac, a stock I've been short. The company reported. We've discussed this company at length in an interview with Kelsey Zhu of Autonomous. The short thesis is that FICO wields a monopoly in consumer scoring, but that the new VantageScore is going to take big market share in mortgages from FICO. It is still early in that process. Now, Mike, FICO reported earnings per share of $12.18 versus $8.57, which is 42% growth. The big EPS growth rate is largely due to FICO raising prices for years, and the EPS beat this quarter was also because of lower than expected expenses. Revenue of $674 million, which was up 26%, was actually a miss. The company also provided soft forward guidance. A company whose entire monopolistic business model is potentially under assault can show no signs of weakness. Missing on revenue and providing soft guidance is weakness, and the stock was down 17% on Thursday. And finally, Apple and Amazon reported Thursday night.
Steve Eisman — The Real Eisman Playbook · The AI Debate Gets More Complicated: Microsoft Has a Win, Meta Stumbles | The Weekly Wrap · 2026-07-31Welcome to Seeking Alpha's Wall Street Lunch, our afternoon update on today's market action, news, and analysis. Good afternoon. Today is Thursday, July 30th, and I'm your host, Kim Kahn. Our top story so far: Situational Awareness, the AI-focused hedge fund founded by former OpenAI researcher Leopold Aschenbrenner, has sold a large portion of its stock portfolio to Ken Griffin's Citadel after suffering steep losses. Reports say the hedge fund rapidly unloaded its $16 billion public equity portfolio after taking heavy losses tied to concentrated AI-related positions. The fund's holdings included South Korean shipmaker SK Hynix and other stocks caught up in the broader retreat from AI-related shares. Situational is expected to continue operating, however, retaining significant private company investments, including an Anthropic stake valued at about $5 billion. The fund had grown rapidly over the past several months and generated a 439% return from the start of the year through the end of June, according to an investor letter. But it was also said to have been using substantial leverage. Founded about 2 years ago, Situational Awareness amassed more than $20 billion in assets under management, according to the Financial Times. Ashen Brenner became a prominent figure in Silicon Valley after publishing his 2024 essay, Situational Awareness, which argued that artificial intelligence would dramatically reshape society. Situational Awareness's largest disclosed holdings at the end of the first quarter included Nibius Group, SanDisk, Micron, and CoreWeave. In a twist, all four stocks are rallying sharply today, with SanDisk, Nibius, and CoreWeave up more than 20%, while Micron is higher by about 15%. Among other active stocks, Arm is rallying after posting solid Q1 results and issuing upbeat guidance. JPMorgan analyst Harlan Sur said the AGI merchant silicon CPU narrative continues to firm up just a few months after the Arm Everywhere event. Fair Isaac is tumbling after Q3 revenue missed consensus estimates. CEO William Lansing said elevated interest rates and ongoing affordability challenges continue to weigh on the mortgage market, keeping loan originations below historical norms. Electronic fixed-income trading platform Market Access is surging after agreeing to a buyout offer from Intercontinental Exchange at a 33% premium to its previous closing price. And Jersey Mike's Subs opened— how to put this— sub its IPO price. The stock debuted at $21 after pricing at $23, right in the middle of its expected range.
Kim Kahn — Wall Street Breakfast · High-flying AI fund forced to dump stocks · 2026-07-30Yeah, I mean, there are some of the S&P 500 companies that perform poorly that I really wasn't surprised about. Uh, like Intuit is, at the bottom of the list. I'm not— they should be worried about AI disruption fears. They make a lot of sense for this business on both the tax prep and the QuickBooks side of the business. One that really wasn't on my bingo card to fall 37% this year was FICO, or Fair Isaac Company, the company behind the dominant credit scoring system. Yes, they're a SaaS company, but just the dominance, the, the relationships they have, I thought were more of a moat than they've turned out to be. Uh, for the first time ever, we're really seeing serious competitive threats. Like mortgage lenders can now use the VantageScore, which is the number one competitor for the first time ever. And there are legitimate questions about how big of a moat their proprietary scoring system is, which has been a very well-kept secret over the years. If AI's capability of evaluating consumer credit risk improved to the point where it's not really needed anymore. So that's one that surprised me.
Speaker D — Motley Fool Hidden Gems Investing · The Challenges of the China Market · 2026-07-02there's not that much money in the world. Yeah, I know that much money doesn't exist. I want, I want it, I can have it. That's not a— that's a, that's a 4-year-old. No, you don't get to do that. You set a budget on your wedding. You're a grown woman and you get married and you do it for $20,000 and you start planning it this weekend. Okay, back to your question. Um, now, so your fiancé is correct that if you were to run a balance on your credit card and pay it on time, it will cause your credit score to increase. Because your credit score is based on— it's called— it's by an organization called Fair Isaac, and it's called your FICO score. And it's based on how you interact with debt. How much debt you have, the type of debt you have, and whether you pay your debt on time or not. New types of debt.
Dave Ramsey — The Ramsey Show · Financial Peace Is Built, Not Borrowed · 2026-06-30as some of you may know, I am very excited to share that on Friday, May 15, I'm launching the Real Eisman Playbook Premium, a members only subscription. I want to emphasize that Monday and Friday episodes will stay accessible at no cost on YouTube and all audio channels. There will be no change at all in the Real Eisman Playbook twice weekly free episodes. Premium is for our listeners and viewers who just want more. Premium members get a weekly bonus episode that will run the gamut from master classes to deep dive analysis of industry sectors and subsectors to mailbag episodes where I can answer many more questions. We will have a private community board where we can all connect and learn from each other. Also, all of the past and future episodes of the Real Eisman Playbook will be available ad free. I want to thank everyone who has already signed up for the mailing list on the Real Eisman Playbook and for those of you who have not yet signed up, see the link attached or go to my website therealisemanplaybook.com we will launch premium on May 15th with parts one and two of a two hour masterclass called A Conspiracy of Credit. Part three will be available Wednesday, May 20th. In this masterclass I discuss the intricacies of what is going on in the world of private credit and then connect private Credit to the great financial crisis of 2008 and explain the toxic mortgage bonds that Wall street manufactured during the gfc. The masterclass also includes a primer on how the fixed income world actually works. If you've ever wanted to really understand what happened in two not the movie version, the real version, this is it. Go to the link in the show notes and sign up for the mailing list. Members on the list will get first access when we launch on May 15th and they'll receive a special Founders offer. When you sign up, you will receive a confirmation email inviting you to join the Founders Club. The link is in the show Notes. Hi Steve Eisman here. So today we're going to explore a very interesting behind the scenes world, the world of Financial information services. And we're going to explore it with the analyst at Autonomous who covers the sector, Kelsey Zoo. We're going to deal with the controversy surrounding Fair Isaac fico, which is the credit score that all of us get when we want to take out a mortgage loan or a credit card loan or anything like that. FICO has raised prices enormously over the last several years. It has angered the entire mortgage industry because of it. And it's beginning to suffer, I think, the consequences. And we're going to go through that story in depth. After we talk about fico, we're going to take a step back and really talk to Kelsey about how she thinks about her group, what makes a good company, what makes a not such good company, what she thinks about the various companies that she covers. She, she covers fico, she covers the three credit bureaus. She covers a company called Verus, which provides information services to the insurance sector. She covers msci, which is in the asset management business. And she covers FactSet, which provides information services to the asset management and investment banking businesses. We're going to be a real teaching moment to talk about how she thinks about the sector, how she thinks about the companies, what she looks for. And afterwards, I'll be back to talk about lessons learned. Hi, this is Steve Eisman and welcome to another episode of the Real Eisman Playbook. The origin of today's episode is that I've gotten tons of questions over the last six months about a company called Fair Isaac fico, which I'm not going to describe right this second because we're going to go into that in depth. A very controversial company. It's a monopoly. And today, to help examine FICO and to look at the rest of the financial information sector, we have Kelsey Zhu, who is the analyst at Autonomous and who's been covering this sector for quite a number of years now. Kelsey, welcome.
Steve Eisman — The Real Eisman Playbook · FICO’s Monopoly is Fading & Consumers Are the Winners w/ Kelsey Zhu | The Real Eisman Playbook Ep 59 · 2026-05-11I appreciate that. So let's start very high level. Let's imagine we met at a cocktail party and I asked you what you do for a living and you told me, and I said, I've heard about this company, Fair Isaac, because it gives me a credit score and I've heard about it in the press. Just give me a high level about what's been going on with this company, Fair Isaac, over the last year. Very general. And then we're going to dig down.
Steve Eisman — The Real Eisman Playbook · FICO’s Monopoly is Fading & Consumers Are the Winners w/ Kelsey Zhu | The Real Eisman Playbook Ep 59 · 2026-05-11