• EN

    • -+ 0.00%
    -+ 0.00%
    -+ 0.00%

    The Bull Case For Fair Isaac (FICO) Could Change Following New Data Partnerships With Verdata And GSEs

    Simply Wall St·07/09/2026 23:33:17
    Listen to the news
    • In early July 2026, Verdata announced a partnership with FICO to offer its small-business risk data on FICO Marketplace, while Fannie Mae and Freddie Mac released expanded historical datasets for FICO Score 10T covering loan performance from April 2013 through September 2025.
    • Together, these developments deepen FICO’s role inside lenders’ decisioning workflows and mortgage risk models, potentially increasing dependence on its data-driven credit tools across the housing and small-business lending ecosystem.
    • Next, we’ll examine how integrating Verdata’s small-business risk insights into FICO Marketplace could influence Fair Isaac’s existing investment narrative.

    Capitalize on the AI infrastructure supercycle with our selection of the 52 best 'picks and shovels' of the AI gold rush converting record-breaking demand into massive cash flow.

    Fair Isaac Investment Narrative Recap

    To own Fair Isaac, you need to believe that FICO’s scores and decisioning software remain embedded at the heart of consumer and small business lending, even as regulators and lenders test alternatives. The Verdata partnership and expanded FICO Score 10T datasets both support that embedded role, but do not materially change the near term tug of war between adoption of newer FICO models as a catalyst and regulatory or competitive disruption in mortgage as the key risk.

    The most relevant recent announcement here is the release of expanded FICO Score 10T datasets from Fannie Mae and Freddie Mac, which give lenders over twelve years of loan performance to analyze. Combined with Verdata’s data on FICO Marketplace, this reinforces the ongoing transition toward modernized, data rich scoring and decision tools, while also intersecting directly with the central catalyst of broader FICO 10T adoption in mortgage.

    Yet against that progress, investors should still watch the risk that lender choice and rival scores could eventually weaken FICO’s pricing power and influence...

    Read the full narrative on Fair Isaac (it's free!)

    Fair Isaac's narrative projects $3.5 billion revenue and $1.4 billion earnings by 2029.

    Uncover how Fair Isaac's forecasts yield a $1553 fair value, a 21% upside to its current price.

    Exploring Other Perspectives

    FICO 1-Year Stock Price Chart
    FICO 1-Year Stock Price Chart

    Some analysts take a much darker view, assuming revenue of only about US$3.3 billion and earnings near US$1.3 billion by 2029, and worrying that rising compliance and innovation costs could compress margins even as new partnerships like Verdata and expanded FICO 10T datasets potentially shift those expectations.

    Explore 10 other fair value estimates on Fair Isaac - why the stock might be worth as much as 33% more than the current price!

    Decide For Yourself

    Disagree with existing narratives? Extraordinary investment returns rarely come from following the herd, so go with your instincts.

    Ready To Venture Into Other Investment Styles?

    These stocks are moving-our analysis flagged them today. Act fast before the price catches up:

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.