Core Viewpoint - Fair Isaac (FICO) has experienced a significant downtrend, with a 13.4% decline over the past four weeks, but it is now in oversold territory, suggesting a potential turnaround due to analysts' positive earnings outlook [1]. Group 1: Technical Indicators - The Relative Strength Index (RSI) is a key technical indicator used to identify oversold conditions, with a reading below 30 indicating a stock may be oversold [2]. - FICO's current RSI reading is 27.34, indicating that the heavy selling pressure may be exhausting, which could lead to a price rebound [5]. - Stocks oscillate between overbought and oversold conditions, and the RSI helps investors identify potential reversal points [3]. Group 2: Fundamental Indicators - There is a strong consensus among sell-side analysts regarding an increase in FICO's earnings estimates, with a 3.8% rise in the consensus EPS estimate over the last 30 days [7]. - An upward trend in earnings estimate revisions typically correlates with price appreciation in the near term [7]. - FICO holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks, indicating a strong potential for a turnaround [8].

Core Insights - Vail Resorts, Inc. is a leading global mountain resort operator, primarily competing in the ski destination market in the United States, Canada, and Australia [1] Financial Performance - Vail Resorts has a Return on Invested Capital (ROIC) of 5.19%, which is below its Weighted Average Cost of Capital (WACC) of 6.15%, resulting in a ROIC to WACC ratio of 0.84, indicating inefficiency in generating returns over its cost of capital [2][6] - Comparatively, Fair Isaac Corporation (FICO) shows the highest efficiency with a ROIC of 52.96% against a WACC of 9.45%, leading to a ROIC to WACC ratio of 5.61 [4][6] - Hyatt Hotels Corporation has a negative ROIC of -20.09% and a WACC of 8.51%, indicating significant inefficiency in capital utilization [5][6]

Core Insights - The big data industry focuses on companies that process, store, and analyze vast amounts of structured, unstructured, and semi-structured data, providing tools for data mining, transformation, visualization, and predictive analytics [1][3]. Company Summaries Fair Isaac Corp. (FICO) - Fair Isaac is experiencing strong financial performance, driven by growth in its Scores and Software segments, with an expected revenue growth rate of 21.1% and earnings growth rate of 34.6% for the current year [7][9]. - The company has expanded its scoring models to include 'Buy Now, Pay Later' loan data, enhancing predictive accuracy [7]. - FICO's Lenders Leading Inclusion Program supports better decision-making for lenders [8]. Teradata Corp. (TDC) - Teradata's prospects are bolstered by an improvement in ARR growth rate and productivity measures, with an expected revenue growth rate of -0.6% and earnings growth rate of 3.6% for the current year [11][14]. - The company is well-positioned to support Agentic AI workloads, managing critical enterprise data and delivering necessary performance [11]. - Recent acquisitions, such as Stemma, enhance Teradata's data search capabilities and analytics offerings [13]. F5 Inc. (FFIV) - F5 is benefiting from strong software growth, particularly in public cloud and security offerings, with an expected revenue growth rate of 1.8% and earnings growth rate of -5.2% for the current year [15][18]. - The company has made six acquisitions over the past five years to enhance its network security capabilities [16]. - F5's strong presence in Layer 4-7 content switching positions it well in the application networking market [17]. S&P Global Inc. (SPGI) - S&P Global is positioned to benefit from the growing demand for business information services, with an expected revenue growth rate of 7.2% and earnings growth rate of 11.6% for the current year [19][21]. - Recent acquisitions, including ProntoNLP, ORBCOMM, and TeraHelix, enhance its capabilities in textual data analytics and supply chain insights [19][20]. - The company's service launches are aiding growth and expanding market reach [19]. Moody's Corp. (MCO) - Moody's is leveraging its dominant position in the credit rating industry and strategic acquisitions to support top-line expansion, with an expected revenue growth rate of 7.8% and earnings growth rate of 11.9% for the current year [22][24]. - Recent acquisitions, such as securing majority ownership in Middle East Rating & Investors Service, are diversifying its revenue streams [23]. - A rebound in bond issuance volume is anticipated to drive growth for Moody's [23].

Core Insights - Zacks Premium provides various tools and resources to help investors make informed decisions and enhance their investment strategies [1][2] Zacks Style Scores - Zacks Style Scores rate stocks based on value, growth, and momentum characteristics, aiding investors in selecting securities with high potential for market outperformance over the next 30 days [2][3] - Stocks are rated from A to F, with A indicating the highest potential for outperforming the market [3] Value Score - The Value Style Score focuses on identifying undervalued stocks by analyzing financial ratios such as P/E, PEG, Price/Sales, and Price/Cash Flow [3] Growth Score - The Growth Style Score emphasizes a company's financial health and future growth potential, considering projected and historical earnings, sales, and cash flow [4] Momentum Score - The Momentum Style Score helps investors capitalize on price trends by analyzing short-term price changes and earnings estimate revisions [5] VGM Score - The VGM Score combines all three Style Scores, providing a comprehensive indicator for investors seeking attractive value, growth forecasts, and momentum [6] Zacks Rank - The Zacks Rank is a proprietary model that utilizes earnings estimate revisions to assist investors in building successful portfolios, with 1 (Strong Buy) stocks achieving an average annual return of +23.9% since 1988 [7][9] - Investors are encouraged to focus on stocks with a Zacks Rank of 1 or 2 and Style Scores of A or B for optimal return potential [9][10] Company Spotlight: Fair Isaac Corporation (FICO) - Fair Isaac Corporation, known as FICO, is rated 2 (Buy) on the Zacks Rank and has a VGM Score of B, making it a strong candidate for growth investors [11] - FICO is projected to achieve year-over-year earnings growth of 34.6% for the current fiscal year, supported by a Growth Style Score of A [11] - Recent upward revisions in earnings estimates have increased the Zacks Consensus Estimate to $40.22 per share, with an average earnings surprise of +3.8% [12]

Core Viewpoint - FICO, a global leader in analytics software, is set to announce its first quarter fiscal 2026 results on January 28, 2026, after market close [1] Group 1 - The conference call regarding the fiscal results will take place on January 28th at 5:00 p.m. Eastern time [1] - The call will be accessible via webcast on FICO's investor relations website [1] - A replay of the webcast will be available until January 28, 2027, under the Event Calendar section [1]

Core Insights - Fair Isaac (FICO) is positioned to continue its earnings-beat streak, having surpassed earnings estimates by an average of 8.16% in the last two quarters [1][2] Earnings Performance - For the most recent quarter, Fair Isaac reported earnings of $7.74 per share, exceeding the expected $7.34 per share by 5.45% [2] - In the previous quarter, the company reported $8.57 per share against an estimate of $7.73 per share, resulting in a surprise of 10.87% [2] Earnings Estimates and Predictions - There has been a favorable change in earnings estimates for Fair Isaac, with a positive Earnings ESP (Expected Surprise Prediction) indicating a strong likelihood of an earnings beat [5][8] - The current Earnings ESP for Fair Isaac is +0.64%, suggesting analysts are optimistic about its near-term earnings potential [8] Zacks Rank and Success Rate - Fair Isaac holds a Zacks Rank of 2 (Buy), which, when combined with a positive Earnings ESP, indicates a high probability of another earnings beat [8] - Research indicates that stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a nearly 70% success rate in beating consensus estimates [6]

Core Viewpoint - Growth investors are focused on stocks with above-average financial growth, but identifying stocks that can fulfill their growth potential is challenging due to associated risks and volatility [1] Group 1: Company Overview - Fair Isaac (FICO) is highlighted as a recommended growth stock with a favorable Growth Score and a top Zacks Rank [2] - The company has a historical EPS growth rate of 23%, with projected EPS growth of 33.1% this year, significantly surpassing the industry average of 8.4% [5] Group 2: Financial Metrics - Fair Isaac's year-over-year cash flow growth is 37.3%, well above the industry average of 1.7%, indicating strong financial health [6] - The company's annualized cash flow growth rate over the past 3-5 years is 17.1%, compared to the industry average of 8.6% [7] Group 3: Earnings Estimates - There has been a positive trend in earnings estimate revisions for Fair Isaac, with the Zacks Consensus Estimate for the current year increasing by 1.8% over the past month [9] - Fair Isaac has achieved a Growth Score of A and a Zacks Rank of 2 due to positive earnings estimate revisions, suggesting it is a solid choice for growth investors [11]

Core Insights - Vail Resorts, Inc. is a leading global mountain resort operator with premier ski destinations in the U.S., Canada, and Australia, competing with other leisure and hospitality businesses [1] Financial Performance - Vail Resorts has a Return on Invested Capital (ROIC) of 5.19%, which is below its Weighted Average Cost of Capital (WACC) of 6.06%, resulting in a ROIC to WACC ratio of 0.86, indicating a need for improved capital efficiency [2][6] - Comparative analysis shows that Fair Isaac Corporation (FICO) has a ROIC of 53.59%, significantly outperforming Vail Resorts in capital utilization [6] Peer Comparison - Masimo Corporation has a negative ROIC of -11.49% and a WACC of 9.14%, resulting in a ROIC to WACC ratio of -1.26, indicating struggles in generating returns above its cost of capital [3] - Hyatt Hotels Corporation has a ROIC of -20.09% and a WACC of 8.41%, with a ROIC to WACC ratio of -2.39, highlighting inefficiencies in capital utilization [3] - IDEXX Laboratories, Inc. has a ROIC of 38.09% and a WACC of 11.47%, resulting in a ROIC to WACC ratio of 3.32, indicating efficient capital utilization [4] - The Toro Company has a ROIC of 13.58% and a WACC of 7.28%, with a ROIC to WACC ratio of 1.87, also demonstrating effective capital utilization [4] - FICO stands out with a ROIC to WACC ratio of 5.72, indicating strong capital efficiency and value creation for shareholders [5]

Core Insights - Fair Isaac Corporation (FICO) is a leading provider of analytics software, with a market capitalization of $39 billion, and is set to announce its fiscal first-quarter earnings for 2026 soon [1] Financial Performance - Analysts anticipate FICO to report a profit of $5.80 per share on a diluted basis, reflecting a 39.8% increase from $4.15 per share in the same quarter last year [2] - For the full fiscal year, FICO's EPS is projected to be $33.66, which is a 34.3% increase from $25.07 in fiscal 2025, and is expected to rise to $42.15 in fiscal 2027, marking a 25.2% year-over-year increase [3] Stock Performance - FICO shares have declined by 15.9% over the past 52 weeks, underperforming the S&P 500 Index's 16.2% rise and the State Street Technology Select Sector SPDR ETF's 22.7% return during the same period [4] - Following the announcement of better-than-expected Q4 2025 earnings, FICO stock rose, reporting a 13.5% year-over-year revenue increase to $515.8 million, aligning with analyst estimates, and an adjusted EPS of $7.74, surpassing Wall Street expectations [5] Analyst Ratings - The consensus opinion on FICO stock is moderately bullish, with a "Moderate Buy" rating overall; out of 18 analysts, nine recommend a "Strong Buy," three a "Moderate Buy," five a "Hold," and one a "Strong Sell," with a mean price target of $1,997.31 indicating a 20.8% upside potential [6]

Core Insights - FICO's October 2025 credit card data indicates a decline in credit card spending compared to both the previous month and the previous year, with average balances falling for the first time since May, although they remain higher than in October 2024 [1][3][8] Spending Trends - Average UK credit card spend decreased by 4.7% month-on-month and 3% year-on-year, reaching £765 [7][8] - The average card balance fell by 0.7% month-on-month to £1,900, yet is still 4.7% higher than the same month in 2024 [7][8] - The percentage of total balance paid dropped by 0.8% month-on-month to 34.36%, which is 7.6% lower than October 2024 [7][8] Payment Behavior - The percentage of customers missing one payment increased by 7.5% month-on-month, while those missing two payments rose by 2.6% [7][8] - The percentage of accounts with three missed payments decreased by 2.3% [7][8] Credit Limits and Overlimit Accounts - Average credit limits saw a modest increase of 0.2% month-on-month to £5,910, remaining 2.5% higher year-on-year [5][7] - The number of overlimit accounts decreased by 6.0% month-on-month to 1.35%, although this figure is still 3.3% higher than last year [5][6] Financial Vulnerabilities - The increase in missed payments and the high delinquent average balance raise concerns about financial vulnerabilities among consumers, particularly as the Christmas spending peak approaches [3][4][6]