Reddit Posts
Do you prefer companies with high but predictable recurring ROCE, or companies with low prices and high uncertainty?
Credit Scores? FICO already halfway to the moon
What are your thoughts on concentrating your positions?
SoFi outlook for 2024 with particular attention on interest rate hikes and Tech Platform Growth. Happy Thanksgiving to everyone!
REgards! Below but Average joe here. This is the first time I am asking advice on what to do with my money here. My CC's just gave me loans.
Fair Isaac Corp. [$FICO] this stock will clobber the market in the next decade
$DSC - Where there is smoke there is fire
Inflation came in at 3% YoY (.1% MoM) and core came in at 4.8% YoY (excludes food and energy).
June CPI rose 3.0% over the last 12 months vs the expected 3.1%
Supreme Court decision on Loan Forgiveness favorites Private Student Loan Lenders.
$UPST SHORT SQUEEZE is right there for the taking
April CPI rose 4.9% over the last 12 months vs the expected 5%
What’s your opinion on Fair Isaac (FICO) stock after being added to the S&P 500?
Hot Stocks: LCID leads EV stocks higher; FICO rises on earnings; STEL, HAS drop
$RICK strippers have good credit. $FICO low P/E
Stocks making the biggest moves after hours: Bumble, Rivian, Dutch Bros, FICO and more
Average FICO scores - consumer credit cards (770), auto loans (789), new mortgages (768), and home equity lines (792) - VERY STRONG
Which is the best SOFTWARE stock to buy now for the next 5-10 years
Luck vs. Talent: Analyst Estimates for Individual Equities & What it Means for Stock-Picking
Why is the FHFA contemplating change in credit score methodology?
Short Squeeze opportunity of 2022 - High Short Ratio + Market Mispriced + Solid Business + High Growth
MBB, a triple A rated MBS ETF, has crashed and made a new all time low under the 2008 housing crash. Worst quarter performance ever by far. Mortgage departments everywhere seeing layoffs. And as a bonus, Fannie Mae executives are jumping ship!
FOR THOSE THAT ACTIVELY BUILT CREDIT FROM NO CREDIT HOW LONG DID IT TAKE TO GET A 700, 750, AND 800 (IF APPLICABLE)
$SOFI - Undervalued. Oversold. A screaming buy.
You hated my last DD, so here’s another! This time it’s Upstart
Looking for 4 traders to fund and operate a fund. DM are welcome.
My thoughts on $KPLT and why it can be good opportunity for huge returns with low risk(already at the bottom). Earnings on 11/9 pre-market
SoFi vs. Upstart vs. LendingClub - Looking for a Fintech Stock
The Weekly DD - Upstart (UPST) Full Stock Analysis: A potential FAANG?
The Weekly DD - Upstart (UPST) Full Stock Analysis: A potential FAANG?
The Weekly DD - Upstart (UPST) Full Stock Analysis: A potential FAANG?
Impending market crash? My Musings - For discussion
Still plenty of room on the $UPST rocket - should hit $200 soon
There's still time to get in on the UPST 🚀
FICO, WSJ: banks and lenders moving away from the FICO score and to their own proprietary data that predicts if borrowers will repay loans
Tools used as weapons to monetize Billions & generate hundreds of millions every year at Drive Shack $DS aka per www.driveshack.com Dec 2016 Shareholder presentation by Wesley Edens, Chairman of DS aka Newcastle Board. Fortress split of $NRZ&SNR sold for 2.3B before name chg. $NOVC must be next.
Listen Up Smooth Brains. Stop Chasing Meme Stocks that Already Peaked (GME AMC WISH CLOV) and Get in Early for Once. KPLT is a $30 Stock Trading for $11. Load Up. DD Below.
Listen Up Smooth Brains. Stop Chasing Meme Stocks that Already Peaked (SPCE, GME, AMC, CLOV, WISH). I have an $11 Stock That Should Be $40: Katapult (KPLT). Get in Early on the Next Rocket Ship.
Credit score industry being disrupted by Upstart Holdings as it uses artificial intelligence to improve predictive models
KPLT game very strong potential trading at a discount
KPLT Is a $25 Stock Trading for $11. Buy It. DD Below.
$KPLT is a $25 stock trading for $11. Load Up and Read my DD below.
$KPLT Is Dirt Cheap after DeSPAC and Recent Earnings. Read my DD Below
Is there a serious liquidity problem in the country right now despite inflation?
Katapult Holdings, Inc: The sleeper Affirm competitor that just went public and already makes more money yet trades at more than 10 times cheaper. NOT a short squeeze - an undervalued, long term play in a sector experiencing rapid growth.
CCS/Lennar -Like Good God CCS is making me hot and bothered, or if you want a short term play Lennar
NrdRage's Friday DD v. 2.0: Now with more nebulous to deal with IB fuckery. Oh, and we're gonna talk about how good Chick-Fil-A Lemonade is ($LMND)
Upstart Holdings, a good company with good tech, is being attacked
Rkt and Uwmc are extremely undervalued
UWM looks like it could be a good value play for long-term investors. The company's shares are significantly undervalued at the time of writing.
My Update on UWMC: The Equivalent of Counting Cards at the Blackjack Table Baby, or Why are ya'll tripping on this fine Stock?
UPST (AI/ML enabled consumer lending and risk profiling)
Mentions
Adding more FICO here. They are dropping because of pricing changes by Vantagescore.
FICO score???? thats for the poors pfff where we come from we use the following tiers: Mass Affluent $100k–$1M High Net Worth (HNW) $1M–$5M Very High Net Worth (VHNW) $5M–$30M Ultra High Net Worth (UHNW) $30+
ORI, and now looking at FICO. If FICO drops below 1200 I will start buying again.
Good timing on it. What's holding you back with CRM BKNG FICO? I'd put NOW as my 4th choice. CRM as my 3rd
You buying? I'm watching it and CRM closely but can't convince myself to pull the trigger I like BKNG FICO because they're less exposed to a seat based pricing decline
Opened a position in FICO today. Let's hope this bounce is legit. Broke through resistance
Fun day for me. Just entered a small stake in DUOL and now seeing MCO, FICO, SPGI, etc. beginning to recover their valuation from the drop.
FICO about to go below 1200. Anyone buying?
I wish I wasn't overweight on FICO, this is a good opportunity to buy. Those are all strong companies that for the most part should not be touched (in fact they should be enhanced) by AI.
SaaS names I'm interested in: CRM NOW FICO BKNG Started a serious position in BKNG today. Revenue 5y CAGR is 26%. Diluted EPS 5y CAGR is 22%. 25 PE provides a reasonable safety net at that level of growth. The PEG is down to .91. Rising margins, wide moat with a positive trend. Seems like a steal. Probably not the bottom but easy buy at these levels for me
One thing I started doing that helped a lot was filtering for companies where the competitive advantage is actually getting stronger over time, not just ones that are cheap on PE. like FICO is a great example, they basically have a monopoly on credit scoring and every time a new fintech company launches they still need FICO scores. the moat literally grows as the market grows. also been looking at Visa lately for similar reasons. the network effect there is nuts, every new merchant that accepts Visa makes it more valuable for cardholders and vice versa. and they barely touch the credit risk which most people don't realize. what's your process for finding these kinds of stocks? like do you have a specific screener setup or is it more reading and stumbling onto things?
Sold some Fresnillo stocks, 50% cagr, awesome return! They are at a high, and I needed the cash for my other trades. Bought Chemometec <400 DKK. Bought the first tranche, looking to DCA across the coming months. Looking to buy Occidental Petrolium, but some software stocks look attractive too. Mostly looking at Adobe, but I doubt their long term moat. Maybe CRM, Grindr, Reddit, Duolingo or PayPal, they look cheap. Any other suggestions? FICO is looking to become attractive as well. Any tips and things to watch for?
I been buying the hardware layer. It probably best to make a separate comment for that. As this is a SPGI/MCO defense force comment now. I agree great companies. I been buying FICO. Which has also been effected. Just not as popular probably the share price a part of it stock 1,300 a share.
Down significantly on MCO, FICO, SPGI, & CSU over the past six months. Bought some RDDT this week as I finally got comfortable enough with the business to add at these levels. I'm extremely patient though and am willing to add when I see opportunity. I'm pulling forward some cash to add right now because some of these companies look too solid regardless of short term fear. I remember getting a lot of flack for buying ASML on the way down due to China & geopolitical fear. I took a near 50% drop from it's Q2 2024 peak, and that holding has been my largest winner ever since, even after I cut 70% of the stake.
Thank you. I truly believe that hardcore research, conviction, and patience are the path to success in the market. This was over two months ago. I haven’t changed much. Current makeup is 29% ASML, 21% SPGI, 20% GOOGL, 16% MCO, 13% FICO Recent buys are SPGI and FICO, letting ASML ride without trimming. Patience is the game.
Bought FICO, MCO, and NTDOY in the past week. The timing on MCO & FICO was exceptionally bad. No selling for me.
I've got a large concentration in the ratings agencies and FICO. I certainly wouldn't call those shitcos, I would call this the start of a buying opportunity.
For any diligent investors in the daily, here's Morningstar's Analyst note on the events of today: "In intraday trading on Feb. 3, a broad group of information-services companies, such as rating agencies, data providers, index providers, credit bureaus, and others, are seeing share price declines of 5% or more. Why it matters: We attribute this to two factors. First, Anthropic released an artificial intelligence-enabled plug-in designed to automate legal workflows. Second, Gartner posted a disappointing revenue and earnings per share outlook. It expects 2026 revenue of $6.46 billion (FactSet consensus: $6.71 billion) and adjusted EPS of $12.30 (consensus: $13.53). While there have been many AI-focused startups in the legal space, Anthropic’s plug-in suggests that its models can be customized for a specific industry. As a result, bears fear that models such as Anthropic will disrupt a host of information-services verticals. Gartner’s second-quarter results last year appeared to be a tipping point for the AI bear case on information-services stocks. While that weak quarter may have been affected by a weaker macroeconomic outlook and the loss of some government revenue, the shares dropped 28% that day (Aug. 5) on fears that the rise of generative AI was eating into the firm's core insights business. The bottom line: We are maintaining our fair value estimates and moat ratings for our information-services stocks, including rating agencies (Moody’s, S&P Global), index providers (MSCI), data providers (Verisk, FactSet), and credit bureaus/scores (Equifax, TransUnion, Experian, and Fair Isaac). Long view: We view wide-moat-rated firms with proprietary and mission-critical data, as well as those with network effect-driven benchmark businesses, as mostly insulated from AI disruption-related risk. For example, we see credit ratings, indexes, Verisk’s insurance data, and FICO scores as benefiting from a network effect. Even if a better solution emerges, their use in contracts and in the capital markets would require complex coordination to disrupt, in our view"
So, AI is tanking, BUT tickers like FICO, SPGI (S&P Global), and NDAQ (Nasdaq) are tanking today 10+% because AI will take them over? Make it make sense?
Intuit, Moody's, FICO, Equifax, S&P Global, etc. This really is a buying opportunity for quality.
Looks like MCO, FICO, SPGI are down on the 10% cap for credit card rates. The bear case is that means less lending and lower demand for credit scores.
Depends on your existing allocations. Personally, there are enough index funds real asset/energy/infrastructure that you don’t have to go too far. Monopolistic/global footprint is a bit more arbitrary and depends on your portfolio. For example if you’re light on tech exposure, Google or Amazon fit the criteria for monopolistic like entities. But if you’re already heavy in tech, you make want to address a different sector with companies like Waste Management, Visa or Mastercard, FICO, etc.
mah boi FICO also getting rekt for no reason
No. Looking in the technically oversold, maybe some interesting trades but not really seeing opportunities for things to add as long-term holdings. Some mildly interesting stuff that's technically oversold: ABT, SPGI, KKR, CEG (although the IPP theme hasn't been working well for a bit), TTWO, FICO, IOT, MORN, CHDN. Maybe a couple of others.
TRI and RELX down 17% on that Anthropic news. FICO, SPGI, MCO, and MSCI down too though dont know what they have to do with it they dont sell legal software. They are related to credit industry.
Financials down, at least with my holdings. S&P, Moody's, and FICO. It's like the market is coming for my portfolio.
I like FICO but concerned about the high PE. Thoughts?
Bought some more MSFT. Looking to add some to BRKB, FICO, NFLX. Over the weekend I stumbled upon a Medical IT company called Sectra AB. Stocks in a free fall because it ran ahead of itself but management has guided for a few quarters of pain as they transition to a SaaS model. Anyone in it?
Bought more FICO & MCO. That nonsense about Amazon rumored to dump $50 billion into OpenAI spooked me. At these valuations, both FICO & MCO have been dragged down slightly due to the software mess so I was happy to move my money into those holdings instead.
What are you guys buying recently? I picked up some MSFT after the fall, looking at ZETA PATH FICO NOW and NFLX but haven’t pulled the trigger
I want to go in and pick up some SaaS. I have read abt Twitter and on here that $NOW is being unfairly punished but for the life of me I can’t under what they actually do. No matter how much I read abt them. I am looking at MSFT FICO PANW(?) .
With software pulling down needless casualties, I'm thinking of putting more money down into MCO & FICO. AMZN spooked me with the rumors of them plowing money into OpenAI. I like to steer clear of poor capital allocation, and if AMZN can't think of a better way of investing $50 billion, that concerns me as an investor.
What’s up with FICO? Looks like they had a good beat but it’s down after hours?
Carmax doesn't have a flow-through agreement for subprime loans, and their prime loans are actually solid. Carmax's latest prime ABS issuance lists about 0.2% zero FICO originations; by comparison, Carvana's is about 3.5% (17.5x larger). I would compare their subprime ABS issuance, but wouldn't ya know, Carvana doesn't even publicly list that stuff anymore because they sell directly to Ally and 2 other unnamed buyers. Ally is smart enough now to avoid the dogshit that Carvana wants to unload, so the other 2 parties are probably the ones eating it and hoping Carvana stays afloat long enough to see profit. Carmax's ABS issuance average FICO is usually about 10-15 points higher than Carvana's (which seems insubstantial but is significant given the loan pool size) and got wiped when they took a loss on their 10Q two quarters ago by adding in higher allowances for loan loss. Carvana didn't mark down anything on riskier loans.
I am sad on FICO, HOOD, SHOP, and PLTR just ate dirt. I bought a single stock in AVAV to get a feel for their price action and it’s down an ugly 19.24%. Enjoy.
Why isn’t FICO on the list for today? Who doesn’t love/hate fair Isaac, their big weird moat and their strategies to raise prices and work direct to consumer, cutting out the fat cats?
Everyone is up but FICO (reporting earnings after hours) has the death cross and is already 6ft deep with the shovel. Get outta there big buddy.
This company is such a Shitco, it’s making other Shitcos blush Yes, the market for Sub 600 FICO borrowers is solid with really no default risk, we’ll just layer it into something called Tranches (Wall St guys like the sound of cool words) and we can tell people that it really isn’t as risky as they think
Genuinely excited for Netflix earnings. Also looking to add to FICO MSFT.
FICO is absolutely a fair shout right now. Falling to a valuation I consider reasonable.
Im looking at INTU FICO CRM V and MA to buy at these price points also PATH as a speculative play what are you guys looking at currently?
Got a job at FICO, I’m going to ruin everyone’s credit score here
Offering loans to people with garbage FICO scores ? What could go wrong ?
It can take years to change sentiment, whether due to earnings, narrative, or regulatory issues. FICO sat flat in price for basically two years while the FHFA deliberated on whether FICO scores should be mandated on the tri-merge. The FHFA ended up mandating both Vantagescore and FICO 10T, while the credit bureaus themselves got fucked by the decision to actually change the Tri-Merge to a Bi-Merge reporting requirement. This literally decreased maximum revenue for the three bureaus. FICO came out on top, but that took years and the stock price sat and waited.
$V or Visa Inc. I think the sell off is overdone based on Trump wanting a one year cap on credit cards of 10%. Whatever congress ends up passing will not be even close to 10%. It's an ante by the administration. Maybe that ends up looking like a tiered approach where cardholders with FICO 800 to 850 pay 15% and 750 to 799 pay 17%, and 700 to 749 pay 19%, and 650 to 699 pay 21%, and so on. This way, Trump can declare victory, but it is no way as draconian as 10%. $V rallies 20% if it goes down this way.
That's interesting. I could probably dig out a statement but my last FICO score was 750-ish and I'm paying 24.95% on three different cards. It's been 24.95% for the last 5-6 years consistently and I don't think has ever changed during that time. Interestingly I applied for another 4th card recently to possibly balance transfer another one for a promo and it declined me entirely, even though I have relatively low utilization and own my home with no other debt.
Unless there is an incentive (unlimited cash back) BNPL is just giving unsecured debt to people you shouldn't be lending to, it might juice stock prices in the short term, but all of these BNPL companies are going to end up taking massive write downs when they eventually sell the debt for pennies on the dollar. This is the whole reason BNPL is becoming part of FICO
No it is just pure math man. X% of people with a FICO v8 score under Y will not pay off their debt, so you have to charge Z% fee to all FICO under Y to not lose money. It's cold, hard statistics and an accurate underwriting of their risk. Now if you morally think people should never be charged that much as it makes their situation worse, I can buy that, but surely you have to understand the alternative isnt cheaper credit, it is no credit. Those are the only two options. An APR cost which nets greater than $0, or no offering of credit to subprime people. You can not compel people (at least without nationalizing the industry) to give away a product at a loss.
If your weight is higher than your FICO score, then you might be a ber.
Gold and bonds are traditionally considered hedges for some situations. If you want to hedge with stocks then: CME, CBOE, FICO are the ones that could possibly offer protection in a crash or major downturn. BRK - I consider defensive but not a hedge. There is no single hedge that can protect in all situations.
I’m making considerably more in the market and when o have debt it’s higher than my mortgage rate which I can deduct therefore paying off my mortgage doesn’t apply to me. Even if I didn’t trade I’d focus first on paying off higher rate debt such as auto, home improvement, store credit cards and first and foremost credit card where I want to keep near zero balance end of month. Leave just under 5% to help build FICO otherwise I’m not paying down mortgage until all others solved first.
Carvana hasn't publicly sold subprime since their 2025-N1 issuance. In the past they issued prime and subprime ABS notes at about the same frequency; they've issued 4 prime notes this year, so they've probably issued 1 public subprime note and 3 through Bridgecrest/their other secondary buyer that they won't disclose. The delinquency rate for all their notes are within the models for Morningstar/S&P Global but they rate their prime/subprime transactions based on internal metrics ("Deal Score") rather than FICO. Their prime issuance No FICO loans shot up from around 0.1% (I think?) prior to 2025 to ~3-5% this year, depending on the set of notes you're talking about (~5% in 2025-P4, ~3% in 2025-P5, I think?) All this to say is that their lending standards have declined drastically this year. Not sure how long it will take for subprime car loans to go bad vs. subprime MBS but they sure are playing the game!
My worst is being down 15% on EFX due to FICO’s new strategy
Fair play, I'll updoot you so you can keep your karma FICO score up
I am impressed that you saw the 3-5% no FICO stuffed in the latest prime ABS deal as I short this name for work and honestly some of my ABS colleagues didn't even know that! Always amazed by how well bid this name in the past 12 months even with the shit fundamentals in subprime consumer and used cars market
Bull case is that they are able and willing to sell a used car to literally anyone. They have a good network of used cars that can be flipped and shipped, and a large inventory of used cars to pull from through their wholesaling network. They make it relatively easy and painless to finance a car purchase online by a simple income verification, which is preferable to low income and young buyers with iffy credit. The bear case is that they are financing almost anyone that can fog a mirror - they boast a 99% approval rating and only require you to prove you make at least $10k annually. While CarMax had to write down some of its used auto ABS last quarter, Carvana has not - which is a "miracle" considering that Carvana stuffs its prime ABS with 3-5% No FICO loans, something that CarMax has not even approached. And that's only the prime ABS arm that Carvana reports because it's sold publicly - the subprime arm, which was too toxic for Ally, is being bought by 2 (3?) unknown financing sources which they do not disclose terms on that Hindenburg has alleged are owned by parties related to Carvana CEOs, including former tomatoe enjoyer Dan Quayle. Meanwhile, the subprime used car ABS market is shitting the bed - delinquencies at actual all time highs, and 2 other subprime lenders have already gone BK, at least partially due to their own fraud.
$FICO Has been trending opposite as a rotation… yay or nay?
the FICO ai pump just getting started ?
FICO just won’t cooperate… Why does it not follow any trends what se ever. This stock is bogus!!
FICO just has to be the beacon of hope.. Didn’t budge due to market sell off. Just my luck. Been holding a few outs at 1720 for almost 10 days.. this stock has been just flat. Two thumbs down!
Send FICO the message..
Can we tackle why won’t FICO tank like the rest of the market… goodness gracious!
$FICO just can’t get with the damn program.. 2 days this week there’s been a selling frenzy, doesn’t budge plus or minus 1.5%…
FICO 861. Do better.
When I started investing and had no clue about valuation I put some money into FICO and Costco. A couple days later I sold after learning the basics of valuation. A complete noob could spot overvaluation, a slight dip won't bring it down to far value. The multiple expansion is way too much risk unless it corrects.
Trump wants to end the minimum FICO score for a federally backed mortgage. Fucking A, did we not learn anything from 2008?
Why is my FICO higher than yours?
I was off the sub my bad. This place can get toxic during corrections. KNSL, MOH, AXON, SE, and FICO are a couple names I am looking at. From type where you get downvoted into oblivion for mentioning DKNG, CAVA, and NBIS.
I hit 800 FICO credit score, now time to pull a fast one on the banks and pull out a couple million to gamble with
To prevent home prices from falling and making homeownership more affordable, Fannie Mae just eliminated its 620 FICO score minimum so it can guarantee riskier mortgages to borrowers with bad credit, enabling them to overpay for expensive homes they can’t really afford. No IPO.
The FICO 🥷s slowly crawled me to 810 where its now pinned after a couple of years. Was like +5pts every month until it reached 810 tp
Sezzle doesn't lack credit checks. Do you think they're stupid? They have their own proprietary models to check credit. They have proven it's better than FICO score at identifying who will actually become a profitable customer for Sezzle. This is all available in their investor presentations and is the key reason why they've managed to grow so much without taking on delinquent customers into the platform. The way sezzle works is very different from normal credit card companies and also quite different from typical BNPL.
FICO reporting tonight, already -8%, so i guess they missed lmao. Didnt search for their numbers, but im assuming its not good. Call is later, maybe they can salvage this.
> Robinhood offering mortgages Primary residence Detached single family home FICO score of at least 780 Loan-to-value (LTV) of 75% No other agency Loan Level Pricing Adjustments (LLPAs)
Yeah but he was able to pinpoint a quarter that everything would come to a head in The Big Short based on FICO score and delinquency rates or some shit like that
Most FICO scores cap at 850. You must be talking about an older model... or a Canadian one.
Market breadth is non-existent. I can see where money is being pooled from. Some of my quality holdings like FICO, SPGI, CSU, etc. are down by high amounts, while GOOG & ASML continue to rocket up.
CVNA is just dumping cars to zero FICO lenders and I guess praying that the autopocalypse doesn't absolutely kill them? CVNA Auto Receivables Trust 2025-P3: "The percentage of Receivables with obligors that did not have a FICO® score at the time of application was approximately 4.66% based on the Initial Pool Balance." Dated 9/16/25 CVNA Auto Receivables Trust 2025-P2: "The percentage of Receivables with obligors that did not have a FICO® score at the time of application was approximately 3.21% based on the Initial Pool Balance." Dated 06/10/25 45% jump QoQ in non-FICO lending in their *prime* ABS arm
She's a 10 but her FICO score is 450 and she lives in a trailer.
Totally agree. I have written about $FICO as well in my substack.