Detailed view for this entity.
“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.”
“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.”
“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.”
“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.”
“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.”
“This is a clear view of operating leverage. You're seeing revenue growth and operating margins increase. And FICO has it.”
“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.”
“Over the past couple of years, the government has taken very seriously the monopoly of FICO and the price increases.”
“FICO went from a company that was a government-mandated monopoly to now one facing intense fierce competition”
“the price increases have escalated a political war as FICO being outlined as the quintessential monopolistic company in America, charging consumers more and more.”
“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.”
“They are prioritizing short-term value extraction overpreserving their long-term health of their franchise.”
“I see FICO permanently damaging its reputation with their pricing strategy.”