FICO's $640M Trading Volume Surges 152% but Ranks 183rd Amid AI-Driven Credit Scoring Challenge

On August 13, 2025, Fair (FICO) closed with a 1.26% gain, trading at $1,333.62. The stock saw a 152.87% surge in trading volume to $0.64 billion, ranking 183rd in market activity. Analysts highlighted its elevated P/E ratio of 51.62, reflecting investor confidence despite valuation concerns. Recent earnings reports showed improved performance, with revenue up 31.72% year-to-date, though short interest rose 8.07%, signaling mixed sentiment.

Competition in credit scoring intensified as Upstart Holdings leveraged AI to challenge FICO’s decades-old FICO score model. Upstart’s data-driven approach, trained on 90 million data points, identified loan opportunities overlooked by FICO without increasing default risks. This innovation could pressure FICO to modernize its offerings, though its 33.9% profit margin remains robust. Analysts noted FICO’s strong balance sheet, with operating cash flow covering debt obligations and a shrinking debt-to-equity ratio.

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