Detailed view for this entity.
Sorted into three lenses: who is speaking, what is being said about them, and where they are aligned or in conflict.
Claims about this entity's actions, status, or capabilities.
Subject
Quote from Video
The company is FICO, and FICO is going down. The stock price is going down like crazy. In fact, it was trading just a year ago at around $2,400 per share.
“The company is FICO, and FICO is going down. The stock price is going down like crazy. In fact, it was trading just a year ago at around $2,400 per share.”
Subject
Quote from Video
FICO used to be exclusive with governmentbacked loans, and that was a lot of loans. So, FICO had an exclusive monopoly over loan origination that now seems to be going away.
“FICO used to be exclusive with governmentbacked loans, and that was a lot of loans. So, FICO had an exclusive monopoly over loan origination that now seems to be going away.”
Subject
Quote from Video
Josh Howley believes that it's an illegal monopoly that's abusing its monopolistic market share by aggressively raising prices and it's making loans more expensive for buyers.
“Josh Howley believes that it's an illegal monopoly that's abusing its monopolistic market share by aggressively raising prices and it's making loans more expensive for buyers.”
Subject
Quote from Video
Claim number one, FICO is the perfect business model. This is the overall claim of the entire analysis. This is Dev's core thesis in FICO is that FICO is the perfect company.
“Claim number one, FICO is the perfect business model. This is the overall claim of the entire analysis. This is Dev's core thesis in FICO is that FICO is the perfect company.”
Subject
Quote from Video
He emphasizes over and over again has pricing power. And again, this was two and a half years ago. And since then, they've exercised this pricing power to a huge extent.
“He emphasizes over and over again has pricing power. And again, this was two and a half years ago. And since then, they've exercised this pricing power to a huge extent.”
Subject
Quote from Video
This is a clear view of operating leverage. You're seeing revenue growth and operating margins increase. And FICO has it.
“This is a clear view of operating leverage. You're seeing revenue growth and operating margins increase. And FICO has it.”
Subject
Quote from Video
the government has taken very seriously the monopoly of FICO and the price increases. As they went from just a few pennies to now $10 a score, the government looks at that as abuse of pricing power.
“the government has taken very seriously the monopoly of FICO and the price increases. As they went from just a few pennies to now $10 a score, the government looks at that as abuse of pricing power.”
Subject
Quote from Video
Over the past couple of years, the government has taken very seriously the monopoly of FICO and the price increases.
“Over the past couple of years, the government has taken very seriously the monopoly of FICO and the price increases.”
Subject
Quote from Video
FICO went from a company that was a government-mandated monopoly to now one facing intense fierce competition
“FICO went from a company that was a government-mandated monopoly to now one facing intense fierce competition”
Subject
Quote from Video
the price increases have escalated a political war as FICO being outlined as the quintessential monopolistic company in America, charging consumers more and more.
“the price increases have escalated a political war as FICO being outlined as the quintessential monopolistic company in America, charging consumers more and more.”
Subject
Quote from Video
I believe that the management didn't believe anybody would really be upset that they increased prices by 10x over a five-year period. But of course they would. Any any customer would anybody would be upset.
“I believe that the management didn't believe anybody would really be upset that they increased prices by 10x over a five-year period. But of course they would. Any any customer would anybody would be upset.”
Subject
Quote from Video
They are prioritizing short-term value extraction overpreserving their long-term health of their franchise.
“They are prioritizing short-term value extraction overpreserving their long-term health of their franchise.”
Subject
Quote from Video
I see FICO permanently damaging its reputation with their pricing strategy.
“I see FICO permanently damaging its reputation with their pricing strategy.”