On the morning of Oct. 8, 2026, TransUnion announced a first-look functionality for mortgage lending, and later that evening Equifax followed with a similar “Mortgage Score Select” offering.
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
|
TRU
|
EFX
|
|---|---|---|---|
Price/Earnings (Normalized) | 16.79 | 14.30 | 17.69 |
Price/Book Value | — | 2.59 | 3.91 |
Price/Sales | 6.59 | 2.61 | 2.75 |
Price/Cash Flow | 15.45 | 9.89 | 10.99 |
|
Metric
|
FICO
|
TRU
|
EFX
|
|---|---|---|---|
Quick Ratio | 1.13 | 1.65 | 0.49 |
Current Ratio | 1.18 | 1.90 | 0.60 |
Interest Coverage | 6.72 | 4.54 | 5.24 |
|
Metric
|
FICO
|
TRU
|
EFX
|
|---|---|---|---|
Return on Assets (Normalized) | 48.40% | 7.75% | 6.42% |
Return on Equity (Normalized) | — | 19.38% | 16.20% |
Return on Invested Capital (Normalized) | 74.96% | 10.62% | 9.32% |
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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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Market Cap
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|---|---|---|---|---|---|---|
| SAP SE ADR
SAP
| LOCK|fGqLk!w | LOCK|<f | $248B | |||
| Shopify Inc Registered Shs -A- Subord Vtg
SHOP
| LOCK|p<cm%cr | LOCK|M%Gc# | $220B | |||
| Salesforce Inc
CRM
| LOCK|DlKkNC? | LOCK|b?DN | $189B | |||
| Uber Technologies Inc
UBER
| LOCK|Pyg^@t | LOCK|VLdX | $146B | |||
| ServiceNow Inc
NOW
| LOCK|<YwBT## | LOCK|?fDh> | $146B | |||
| Snowflake Inc Ordinary Shares
SNOW
| LOCK|Jbp>C> | LOCK|Wwv | $130B | |||
| Automatic Data Processing Inc
ADP
| LOCK|qy#y^FF | LOCK|$xzc! | $107B | |||
| Datadog Inc Class A
DDOG
| LOCK|&g#pBc | LOCK|&! | $105B | |||
| Cadence Design Systems Inc
CDNS
| LOCK|X$H@tj!h | LOCK|h!D | $97B | |||
| Adobe Inc
ADBE
| LOCK|b%^SWBhZ | LOCK|?frM | $94B |
United States