After the close on Oct. 23, Fair Isaac announced that it will hold its wholesale mortgage score price at $10 per score for lenders and brokers enrolled in its “preferred program.” Shares of Fair Isaac fell 6% in after-hours trading.
Fair Isaac has a long runway to increase prices, since it's a small cost but critical for lenders. The use of mortgage performance-based fees offers another avenue for price realization.
The FHFA decision to allow VantageScore for government-conforming mortgages will alter its pricing strategy and could result in VantageScore gaining traction in both mortgage and nonmortgage markets. In addition, VantageScore could gain traction for mortgage prequalifications.
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Metric
|
FICO
|
EFX
|
TRU
|
|---|---|---|---|
Price/Earnings (Normalized) | 20.51 | 26.66 | 17.79 |
Price/Book Value | — | 4.78 | 3.22 |
Price/Sales | 8.05 | 3.32 | 3.25 |
Price/Cash Flow | 18.87 | 13.11 | 12.30 |
|
Metric
|
FICO
|
EFX
|
TRU
|
|---|---|---|---|
Quick Ratio | 1.13 | 0.89 | 1.65 |
Current Ratio | 1.18 | 1.09 | 1.90 |
Interest Coverage | 6.72 | 5.41 | 4.54 |
|
Metric
|
FICO
|
EFX
|
TRU
|
|---|---|---|---|
Return on Assets (Normalized) | 48.40% | 6.83% | 7.75% |
Return on Equity (Normalized) | — | 17.71% | 19.38% |
Return on Invested Capital (Normalized) | 74.96% | 9.93% | 10.62% |
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1-Day Chart
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Name
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Price
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Morningstar Rating for Stocks
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Capital Allocation
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Economic Moat
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United States