Fair Isaac's 15min chart shows MACD Death Cross, KDJ Death Cross, Bearish Marubozu.

Fair Isaac's 15-minute chart has triggered a MACD Death Cross, KDJ Death Cross, and a Bearish Marubozu at 10/06/2025 15:45, which suggests that the stock price is poised to continue its downward trajectory. The momentum of the stock price is shifting towards the downside, and there is a potential for further decreases. Sellers currently dominate the market, and the bearish momentum is likely to persist.

Fair Isaac Corporation (FICO), known for its influential FICO® score in U.S. consumer credit decisions, has been in the spotlight for its recent strategic moves and stock performance. On October 6, 2025, at 15:45, the stock experienced a MACD Death Cross, KDJ Death Cross, and a Bearish Marubozu, indicating a potential downward trajectory in its stock price. This technical analysis suggests that sellers are currently dominating the market, and the bearish momentum is likely to persist.

The MACD (Moving Average Convergence Divergence) Death Cross occurs when the MACD line crosses below the signal line, signaling a potential bearish trend. The KDJ (Kaufman Adaptive Moving Average) Death Cross is a similar indicator where the K line crosses below the D line, also suggesting a bearish trend. The Bearish Marubozu, characterized by a large body candle with no shadows, indicates a strong downward movement in price.

FICO's stock has been volatile, with a 24.0% year-to-date decline as of October 1, 2025, despite strong earnings. The company reported revenue of $536.4 million in the third quarter of 2025, a 20% increase year over year, and non-GAAP earnings per share (EPS) of $8.57. However, the stock closed at $1,512.71 on October 1, 2025, down from its 2025 high, reflecting investor concerns about high growth valuations in a rising-rate environment.

The introduction of the Mortgage Direct License Program on October 2, 2025, which allows lenders to obtain credit scores directly from FICO, has sparked market volatility. FICO shares surged around 10% in premarket trading, while rival credit bureaus Experian, Equifax, and TransUnion fell 8-12%. Analysts warn that this new distribution model could erode the bureaus' margins and cut their earnings by 10-15%.

Despite the program's potential benefits, the technical indicators suggest that FICO's stock may continue its downward trajectory. The MACD, KDJ, and Bearish Marubozu signals all point to a bearish trend, indicating that sellers are currently in control of the market. This could lead to further decreases in FICO's stock price.

Investors and financial professionals should closely monitor FICO's stock performance and consider the potential impact of the Mortgage Direct License Program on the company's earnings and market position. The company's strategic moves, such as the direct licensing program and the shift towards SaaS, may help mitigate some of the bearish momentum, but the current technical indicators suggest that the stock price is poised for further declines.