FICO 周一反弹近11%收于740美元，但无新增基本面催化，属超跌后技术性修复的盘后复盘

Shares of Fair Isaac ( FICO ), a global analytics software company behind the widely used FICO credit scoring system, climbed nearly 11% on Monday, rebounding sharply after a period of heavy selling. The slide was driven by competitive and regulatory concerns in the mortgage credit scoring market. The stock ended at $740, up $72.42 from its previous close. The stock had reached a 52-week low of 586.05 late last month. FICO has retreated 56% so far in 2026. {"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": 17572, "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": 740.175, "change": 72.59499999999991, "percent_change": 10.8744, "last_time": "2026-10-12T15:59:04.000-04:00", "high": 742.17, "low": 666.16, "open": 674.0, "prev_close": 667.58, "volume": 1777426.611774}, "ratings": {"quant_rating": 1.421630094043887, "sell_side_rating": 3.71429, "authors_rating": 3.6}, "key_data": {"last_close_price_earnings_ratio": 19.366528, "div_rate_fwd": null, "div_rate_ttm": null, "div_yield_fwd": null, "dividend_yield": null, "short_interest_shares_outstanding": 8.978705307317213, "marketcap": 14418149000.0, "impliedmarketcap": null, "estimate_eps": 42.85245, "diluted_eps_excl_extra_itmes": 34.470816, "estimate_ffo": null, "ffo_per_share_diluted": null, "pe_ratio_fwd": 15.5785725203576}}]} By the Numbers: Fair Isaac Today's Range: $666.16 – $742.17 (as of 3:59pm ET) Previous Close: $667.58 Volume: Approximately 1.78 million shares, or 1.62 times the one-month average 52-Week High: $1,858.91, roughly 151% above today's closing price 52-Week Low: $586.05, approximately 21% below today's closing price 50-Day Moving Average: $969.93; today's close sits about 31% below that level 200-Day Moving Average: $1,191.87; today's close sits about 44% below that level RSI (14-Day): 30.99, near oversold territory Short Interest: 9.28% of float Forward P/E Ratio: 15.58 (non-GAAP, forward one-year) PEG Ratio: 0.81 (non-GAAP, forward one-year) 1-Month Return: -32.10% Recent Stock Movement: Fair Isaac The table below showcases the stock's daily activity over the past few days: {"type": "table", "props": {"data": [{"date": "Oct 9, 2026", "return": "-5.63%"}, {"date": "Oct 8, 2026", "return": "+3.76%"}, {"date": "Oct 7, 2026", "return": "-1.97%"}, {"date": "Oct 6, 2026", "return": "+0.85%"}, {"date": "Oct 5, 2026", "return": "+4.29%"}, {"date": "Oct 2, 2026", "return": "-0.08%"}, {"date": "Oct 1, 2026", "return": "+11.69%"}, {"date": "Sep 30, 2026", "return": "-4.11%"}, {"date": "Sep 29, 2026", "return": "-26.52%"}, {"date": "Sep 28, 2026", "return": "-2.57%"}], "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 October 6: United Wholesale Mortgage publicly reaffirmed its commitment to FICO Scores, emphasizing the scoring model's use among top U.S. lenders and promoting FICO Score 10T and the company's free-access program for participating lenders. Read more October 7: Fair Isaac published research finding that only 5.2% of technology leaders had full confidence in their ability to explain AI decisions, positioning the company's decisioning and analytics products as tools for explainable and auditable AI. Read more October 3: FICO was identified among the technology sector's notable decliners for the week, reflecting the broader market debate over competition, mortgage scoring dynamics, and the company's near-term outlook. Read more September 15: FHFA Director Bill Pulte highlighted growing VantageScore market share relative to FICO and discussed VantageScore's inclusion in mortgage-backed securities, credit-risk transfers, and securitized products issued by Fannie Mae and Freddie Mac. Read more October 1: A report emerged suggesting FHFA could require lenders to use credit data from two bureaus instead of three, intensifying concerns about the future of tri-merge reports and associated mortgage credit scoring fees. Read more Latest Analyst Commentary on Fair Isaac Mike Zaccardi, CFA, CMT (September 29): Maintained a bullish view, arguing that FICO's valuation had become more attractive after the selloff. The analysis highlighted free-cash-flow generation, buybacks, and the possibility that competitive concerns were already reflected in the price, while acknowledging FHFA and VantageScore risks. Read more Investor Overview (September 30): Argued that FICO's competitive moat was under pressure following VantageScore adoption by Rocket Mortgage, but pointed to FICO Platform growth and FICO Score 10T as potential offsets. Read more Daniel Schönberger (October 1): Described FICO as undervalued after its decline, citing normalized valuation multiples, strong operating results, and cash generation, while flagging VantageScore adoption, possible data-access issues, and the durability of FICO's economic moat as key uncertainties. Read more What SA Users Are Saying About Fair Isaac SA community commentary on FICO has been mixed but tilted bearish, with recurring concerns about VantageScore competition, regulatory pressure, and the durability of FICO's moat — though a minority of voices argued the selloff may have gone too far. One SA user expressed the view that FICO's pricing strategy had accelerated erosion of its moat and created lasting headwinds with key customers. Read more Another commenter characterized FICO as a strong sell, arguing that the company's competitive moat had been significantly weakened. Read more One reader questioned whether three credit agencies were necessary and suggested the existing structure primarily served the agencies' financial interests. Read more A separate SA user took a more constructive view, acknowledging the moat had taken a major hit but noting that other business levers could help stabilize the company. Read more One SA community member said sentiment toward FICO appeared to be at a low point and questioned whether AI could replace established credit-rating infrastructure without broader regulatory and market acceptance. Read more