fair isaac
Fair Isaac Corporation, commonly known as FICO, is an American analytics and decision-management company best known for creating the FICO Score, one of the most widely used measures of consumer credit risk in the United States. The company was founded in 1956 and is headquartered in Bozeman, Montana.
Its business is built around two main areas: Scores and Software. The Scores segment includes the credit scoring products used by lenders, along with consumer products such as myFICO. The Software segment provides analytics, decisioning, and platform tools that help banks and other organizations make better decisions in areas like lending, fraud detection, and customer management.
In simple terms, Fair Isaac is a company that helps financial institutions and other businesses measure risk and make data-driven decisions. It is especially well known because its scoring system plays a major role in how lenders evaluate borrowers for products such as credit cards, auto loans, and mortgages.
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Fair Isaac and ACI Worldwide have winning business models, especially in today’s expanding financial markets. We believe that will lead to strong growth in future years. Both are buys.
ACI WORLDWIDE, $51.97, is a buy. The firm (Nasdaq symbol ACIW; TSINetwork Rating: Average) (Shares outstanding: 101.0 million; Market cap: $5.2 billion; No dividends paid) is a leading software provider for processing transactions by credit cards, debit cards, automated teller machines, point-of-sale terminals and interbank systems. Its products also work to cut fraud.
ACI WORLDWIDE, $51.97, is a buy. The firm (Nasdaq symbol ACIW; TSINetwork Rating: Average) (Shares outstanding: 101.0 million; Market cap: $5.2 billion; No dividends paid) is a leading software provider for processing transactions by credit cards, debit cards, automated teller machines, point-of-sale terminals and interbank systems. Its products also work to cut fraud.
The stocks of these two financial software providers have fallen sharply over the past year on fears that artificial intelligence (AI) tools will erode their revenue and market share. However, both are using AI to strengthen their products, which should help them retain customers and defend their market positions.
BROADRIDGE FINANCIAL SOLUTIONS INC. $140 is a buy for aggressive investors. The company (New York symbol BR; Aggressive Growth Portfolio, Finance sector; Shares outstanding: 115.7 million; Market cap: $16.2 billion; Price-to-sales ratio: 2.2; Dividend yield: 2.8%; TSINetwork Rating: Average; www.broadridge.com) processes and distributes proxies and regulatory filings for publicly traded companies and mutual funds, both electronically and by surface mail. It also makes software to handle back-office functions for financial service providers.
BROADRIDGE FINANCIAL SOLUTIONS INC. $140 is a buy for aggressive investors. The company (New York symbol BR; Aggressive Growth Portfolio, Finance sector; Shares outstanding: 115.7 million; Market cap: $16.2 billion; Price-to-sales ratio: 2.2; Dividend yield: 2.8%; TSINetwork Rating: Average; www.broadridge.com) processes and distributes proxies and regulatory filings for publicly traded companies and mutual funds, both electronically and by surface mail. It also makes software to handle back-office functions for financial service providers.
FAIR ISAAC CORP. $1,043 remains a buy for highly aggressive investors. The company (New York symbol FICO; Aggressive Growth Portfolio, Manufacturing & Industry sector; Shares outstanding: 23.7 million; Market cap: $24.7 billion; Price-to-sales ratio: 13.3; Dividend suspended June 2017; TSINetwork Rating: Average; www.fico.com) is best known for its FICO Scores software. It lets lenders make better decisions about customer creditworthiness.
TRAVEL + LEISURE CO., $51.89, symbol TNL on New York, is still a buy. The company is the world’s largest vacation ownership and exchange company with nearly 20 travel brands across its resort, travel club, and lifestyle portfolio. In total, Travel + Leisure operates over 270 timeshare resorts, with over 804,000 owners.
The company has just announced a long-term marketing partnership with Hornblower Group, a global leader in maritime hospitality and transportation.
Through this collaboration, Travel + Leisure and its family of brands will be prominently featured at Hornblower’s ports and vessels....
The company has just announced a long-term marketing partnership with Hornblower Group, a global leader in maritime hospitality and transportation.
Through this collaboration, Travel + Leisure and its family of brands will be prominently featured at Hornblower’s ports and vessels....
We continue to recommend that investors diversify their Finance sector holdings beyond the major banks.
Here are three non-bank firms we recommend. Their commitment to developing new products will let them keep dominating their niche markets....
Here are three non-bank firms we recommend. Their commitment to developing new products will let them keep dominating their niche markets....
Shares of Fair Isaac have risen 57.0% for our subscribers over the last year—and a whopping 15,531.6% since we first recommended the stock in our February 1999 issue at $13.60 a share (split adjusted)! That said, we think the shares have room to move much higher.
The company plays a key role for lenders making mortgage underwriting decisions....
The company plays a key role for lenders making mortgage underwriting decisions....
THE TJX COMPANIES, $128.10, is still a buy. The business (symbol TJX on New York) is a leading off-price retailer of clothing, accessories and home fashions. Off-price retailers purchase merchandise at below-wholesale prices and charge less than retail prices.
The stock continues to hit all-time highs for our subscribers.
Through their shares, investors tap a network of stores....
The stock continues to hit all-time highs for our subscribers.
Through their shares, investors tap a network of stores....
TRAVEL + LEISURE CO., $47.98, symbol TNL on New York, is still a buy. The company is the world’s largest vacation ownership and exchange company with nearly 20 travel brands across its resort, travel club, and lifestyle portfolio. In total, Travel + Leisure operates 245 timeshare resorts, with over 880,000 owners and more than 3.5 million paid member families.
Travel + Leisure’s revenue in the three months ended December 31, 2024, rose 3.9%, to $971 million from $935 million a year earlier....
Travel + Leisure’s revenue in the three months ended December 31, 2024, rose 3.9%, to $971 million from $935 million a year earlier....
Artificial intelligence (AI) is an example of an investment idea that could boost your investment returns, or, more likely, end up costing you money. All in all, we think that the biggest, surest gains from AI will come from investing in established businesses that are already profitable and growing, and that can gain all the more by applying AI to their operations.
Here are two companies that are already profitably taking advantage of AI, and they should be among the leaders in the push to extend AI’s use:
FAIR ISAAC CORP., $1,755.26, is a buy. The company (New York symbol FICO; TSINetwork Rating: Average) (www.fairisaac.com; Shares outstanding: 24.4 million; Market cap: $42.9 billion; No divd.) is best known for its FICO Scores software....
Here are two companies that are already profitably taking advantage of AI, and they should be among the leaders in the push to extend AI’s use:
FAIR ISAAC CORP., $1,755.26, is a buy. The company (New York symbol FICO; TSINetwork Rating: Average) (www.fairisaac.com; Shares outstanding: 24.4 million; Market cap: $42.9 billion; No divd.) is best known for its FICO Scores software....