FHFA要求房利美、房地美向所有贷款机构开放VantageScore，冲击Fair Isaac抵押贷款评分垄断

Fair Isaac ( FICO ), a global analytics and decisioning-software company, retreated almost 17% on Friday, after Federal Housing Director Bill Pulte directed Fannie Mae and Freddie Mac to allow all lenders to use the competing VantageScore credit-scoring system. The directive landed as a direct challenge to FICO's pricing power in mortgage originations, one of its most concentrated revenue streams. The stock closed at $932.26, a decline of $186.67 on the session. {"type": "symbol-chart", "props": {"ticker": "FICO"}, "data": [{"symbol": {"id": 15657, "slug": "fico", "name": "FICO", "company": "Fair Isaac Corporation", "company_name": "Fair Isaac Corporation", "equity_type": "stocks", "fund_type_id": 0, "followers_count": 17211, "div_yield_type": "historic", "index_group": null, "is_bdc": false, "is_reit": false, "is_currency": false, "is_crypto": false, "is_mutual_funds": false, "is_etf": false, "is_cef": false, "is_index": false, "is_bond": false, "is_commodity": false}, "prices": {"id": 15657, "last": 932.26, "change": -186.67000000000007, "percent_change": -16.6829, "last_time": "2026-09-04T16:00:00.000-04:00", "high": 954.08, "low": 885.0, "open": 934.39, "prev_close": 1118.93, "volume": 1426853.894569}, "ratings": {"quant_rating": 2.710252857637686, "sell_side_rating": 4.0, "authors_rating": 3.6}, "key_data": {"last_close_price_earnings_ratio": 32.460213, "div_rate_fwd": null, "div_rate_ttm": null, "div_yield_fwd": null, "dividend_yield": null, "short_interest_shares_outstanding": 8.311382241620437, "marketcap": 24166242000.0, "impliedmarketcap": null, "estimate_eps": 42.97241, "diluted_eps_excl_extra_itmes": 34.470816, "estimate_ffo": null, "ffo_per_share_diluted": null, "pe_ratio_fwd": 26.0383348292544}}]} What Happened to Fair Isaac Corporation The selloff followed a fresh directive from U.S. Federal Housing Director Bill Pulte requiring Fannie Mae and Freddie Mac to open their platforms to all lenders seeking to use VantageScore, the primary competitor to the FICO Score in mortgage credit assessment. The move raised immediate questions about the durability of FICO's mortgage-scoring pricing power and its longer-term revenue concentration. Financial services represented 92% of the firm's fiscal 2025 revenue, and the company's three major credit-reporting-agency relationships accounted for 51% of revenue. Trading volume came in at roughly 1.43 million shares, or nearly five times the one-month average daily volume, underscoring the magnitude of the market reaction. By the Numbers: Fair Isaac Corporation Today's Range: $885.00 - $954.08 (as of 4:00pm ET) Previous Close: $1,118.93 52-Week High: $1,998.01, more than twice the current price 52-Week Low: $870.01, roughly 7% below today's close 50-Day Moving Average: $1,171.81; today's close was about 4.5% below that level 200-Day Moving Average: $1,308.72; today's close was roughly 14.5% below that level 14-Day RSI: 47.6, near the middle of its range Short Interest: 8.59% of float Forward Price-to-Earnings (Non-GAAP): 26.04x PEG Ratio (Non-GAAP, Forward): 0.95 Volume: Approximately 1.43 million shares, about 4.92x the one-month average Recent Stock Movement: Fair Isaac Corporation The table below showcases the stock's daily activity over the past few days: {"type": "table", "props": {"data": [{"date": "Sep 3, 2026", "return": "+1.77%"}, {"date": "Sep 2, 2026", "return": "-0.38%"}, {"date": "Sep 1, 2026", "return": "-3.79%"}, {"date": "Aug 31, 2026", "return": "-0.55%"}, {"date": "Aug 28, 2026", "return": "-0.30%"}, {"date": "Aug 27, 2026", "return": "+2.06%"}, {"date": "Aug 26, 2026", "return": "-0.30%"}, {"date": "Aug 25, 2026", "return": "-2.51%"}, {"date": "Aug 24, 2026", "return": "-0.53%"}, {"date": "Aug 21, 2026", "return": "+1.99%"}], "columns": [{"header": "Date", "accessor": "date", "align": "left"}, {"header": "Daily Return", "accessor": "return", "align": "right", "component": {"type": "signed-value"}}], "title": "FICO Daily Returns"}} Other Recent News: Fair Isaac Corporation August 25, 2026: FICO released its Score Credit Insights Report , noting that the average FICO Score held steady at 714 and highlighting consumer resilience amid macroeconomic pressure. August 24, 2026: The company reported that UK credit-card payment rates declined and card balances rose as summer spending put pressure on consumers. July 29, 2026: Management reported third-quarter revenue of $674 million, GAAP EPS of $10.45, non-GAAP EPS of $12.18, and $370 million in free cash flow. The company raised its fiscal 2026 guidance and discussed progress with FICO Score 10T and UltraFICO on the Q3 2026 earnings call . Latest Analyst Commentary on Fair Isaac Corporation Daniel Jones (September 2, 2026): Maintained a Hold view, citing strong Scores-segment growth, Mortgage Direct Licensing progress, and higher company guidance while concluding that valuation remained difficult to justify at current levels. Read more Daniel James (August 30, 2026): Maintained a Hold/Neutral rating, arguing that mortgage-origination pricing has driven most of FICO's recent growth, leaving the company exposed to competition, regulatory scrutiny, and uncertainty surrounding VantageScore and direct licensing. Read more What SA Users Are Saying About Fair Isaac Corporation Seeking Alpha community commentary on FICO leaned bullish, with at least one user characterizing recent weakness as sentiment-driven rather than fundamental. One SA user argued that FICO is an undervalued, profitable, and growing software and marketplace business, and suggested that current pessimism reflects fear and misunderstanding rather than any deterioration in the underlying business. Read more