Fair Isaac Corporation develops analytic, software, and digital decisioning technologies and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates in two segments, Scores and Software. The Software segment provides pre-configured analytic and decision management solution designed for various business needs or processes, such as account origination, customer management, customer engagement, fraud detection, financial crimes compliance, and marketing, as well as associated professional services. This segment also offers FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to predictive credit and other scores that can be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. It offers FICO Customer Analytics, FICO Responsible AI, FICO Advisors, FICO Business Outcome Simulator, FICO Forecaster, FICO TRIAD Customer Manager, FICO Blaze Advisor, FICO Xpress Optimization, FICO Falcon Fraud Manager, FICO Analytics Workbench, FICO Data Orchestrator, FICO DMP Streaming, FICO Decision Optimizer, and FICO Strategy Director, as well as software implementation and configuration services. The company markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.

Fair Isaac Corporation

The following are the top rated Information Technology stocks according to Validea's Growth Investor model based on the published strategy of Martin Zweig. This strategy looks for growth stocks with persistent accelerating earnings and sales growth, reasonable valuations and low debt.
INFOSYS LTD (ADR) (INFY) is a large-cap growth stock in the Computer Services industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Infosys Limited is an India-based company, which provides digital services and consulting. The Company enables clients in approximately 59 countries to navigate their digital transformation powered by cloud and artificial intelligence (AI). Its segments include Financial Services; Retail; Communication; Energy, Utilities, Resources and Services; Manufacturing; Hi-Tech; Life Sciences, and All other segments. The Company's solutions have been primarily classified as digital and core. Its digital solutions include experience, insight, innovate, accelerate, and assure. Its experience solutions include Infosys Aster, Digital Marketing, Digital Commerce and Infosys Metaverse Foundry. Its insight solutions include Infosys Topaz, Infosys Generative AI Labs, Data Analytics and AI, Infosys Sustainability Services and Applied AI. Its core solutions include application management services, proprietary application development services, traditional enterprise application implementation and others.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of INFOSYS LTD (ADR)
MKS INC (MKSI) is a mid-cap growth stock in the Scientific & Technical Instr. industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: MKS Inc., formerly MKS Instruments, Inc., is engaged in delivering technology solutions. Its segments include Vacuum Solutions Division (VSD), Photonics Solutions Division (PSD), and Materials Solutions Division (MSD). The VSD segment delivers foundational technology solutions to edge semiconductor manufacturing, electronics and packaging and specialty industrial applications. VSD products are derived from its competencies in pressure measurement and control, flow measurement and control, gas and vapor delivery, gas composition analysis, electronic control technology, reactive gas generation and delivery, power generation and delivery, and vacuum technology. The PSD segment offers a range of instruments, components, and subsystems for semiconductor manufacturing, electronics and packaging and specialty industrial applications. The MSD segment develops process and manufacturing technologies for advanced surface modification, electroless and electrolytic plating, and surface finishing.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of MKS INC
FAIR ISAAC CORP (FICO) is a large-cap growth stock in the Software & Programming industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Fair Isaac Corporation is an applied analytics software company. The Company is focused on using predictive analytics and data science to improve operational decisions. The Company operates through two segments: Scores and Software. The Scores segment includes the Company's business-to-business scoring solutions and services which give its clients access to predictive credit and other scores. This segment includes its business-to-consumer scoring solutions, including its myFICO.com subscription offerings. The Companys Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process, such as account origination, customer management, customer engagement, fraud detection and marketing as well as associated professional services. This segment includes FICO Platform, a modular software offering designed to support advanced analytic and decision use cases as well as stand-alone analytic and decisioning software.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of FAIR ISAAC CORP
PTC INC (PTC) is a large-cap growth stock in the Software & Programming industry. The rating according to our strategy based on Martin Zweig is 69% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: PTC Inc. is a global software company that enables industrial and manufacturing companies to digitally transform how they engineer, manufacture, and service the physical products. Its computer-aided design (CAD) portfolio solutions enable companies to author product data. Its product lifecycle management (PLM) portfolio solutions enable companies to manage product data and orchestrate processes. Its software can be delivered on premises, in the cloud or in a hybrid model. Its PLM products and services include Windchill PLM, ThingWorx, ServiceMax, Arena, Codebeamer, Servigistics, FlexPLM and Kepware. Its CAD products and services include Creo 3D, Onshape, Vuforia and Arbortext. Its Windchill PLM application suite manages all aspects of the product development lifecycle-from concept through service and retirement-by enabling a digital thread of product parts, materials and configuration information. Its ThingWorx platform is flexible and purpose-built for industrial Internet of things.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of PTC INC
SS&C TECHNOLOGIES HOLDINGS INC (SSNC) is a large-cap growth stock in the Computer Services industry. The rating according to our strategy based on Martin Zweig is 69% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: SS&C Technologies Holdings, Inc. is a global provider of services and software for the financial services and healthcare industries. Its portfolio of products and software-enabled services allows its financial services clients to automate and integrate front-office functions such as trading and modeling, middle-office functions, such as portfolio management and reporting and back-office functions, such as accounting, performance measurement, reconciliation, reporting, processing and clearing. The Company provides its solutions within the institutional asset and wealth management, alternative investment management, brokerage, retirement, financial advisory and financial institutions vertical markets. It provides solutions to the healthcare industry, including pharmacy, healthcare administration and health outcomes optimization solutions. Its healthcare solutions include claims adjudication, benefit management, care management and business intelligence services.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of SS&C TECHNOLOGIES HOLDINGS INC
About Martin Zweig: During the 15 years that it was monitored, Zweig's stock recommendation newsletter returned an average of 15.9 percent per year, during which time it was ranked number one based on risk-adjusted returns by Hulbert Financial Digest. Zweig has managed both mutual and hedge funds during his career, and he's put the fortune he's compiled to some interesting uses. He has owned what Forbes reported was the most expensive apartment in New York, a $70 million penthouse that sits atop Manhattan's Pierre Hotel, and he is a collector of all sorts of pop culture and historical memorabilia -- among his purchases are the gun used by Clint Eastwood in "Dirty Harry", a stock certificate signed by Commodore Vanderbilt, and even two old-fashioned gas pumps similar to those he'd seen at a nearby gas station while growing up in Cleveland, according to published reports.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Validea's Top Information Technology Stocks Based On Martin Zweig - 10/27/2025

Last Friday, the three most widely followed benchmark indexes closed a winning week. The tech-heavy Nasdaq, the Dow Jones and the S&P 500 gained 2.3%, 2.2% and 1.9%, respectively.
The S&P 500 and Nasdaq registered their sharpest weekly advances since August, while the Dow Jones Industrial Average recorded its strongest weekly show since June.
The week’s trading reflects a mix of reduced trade-war fears between the United States and China, inflation coming in cooler than expected and U.S. sanctions on Russian oil firms shifting the energy market. The weaker-than-forecast inflation reading bolstered hopes for a rate cut by the Fed, lifting investor sentiment. Next week, markets will focus on upcoming central-bank commentary and big tech earnings.
Regardless of market conditions, we, here at Zacks, provide investors with unbiased guidance on how to beat the market.
As usual, Zacks Research guided investors over the past three months with its time-tested methodologies. Given the prevailing market uncertainty, you may want to look at our feats to prepare better for your next action.
Here are some of our key achievements:
Micron and Napco Security Surge Following Zacks Rank Upgrade
Shares of Micron Technology, Inc. MU have gained 77.3% (versus the S&P 500’s 5.3% increase) since it was upgraded to a Zacks Rank #1 (Strong Buy) on August 19.
Another stock, Napco Security Technologies, Inc. NSSC, which was also upgraded to a Rank #1 on August 28, has returned 14.8% (versus the S&P 500’s 4.7% increase) since then.
A hypothetical portfolio of Zacks Rank # 1 (Strong Buy) stocks returned +8.64% in 2025 (through September 1st) vs. +7.60% for the S&P 500 index.
This portfolio returned +22.4% in 2024, vs. +28% for the S&P 500 index and +19.9% for the equal-weight version of the S&P 500 index.
This hypothetical portfolio returned +20.65% in 2023 vs. +24.83% for the S&P 500 index and +15% for the equal-weight S&P 500 index.
The Zacks Model Portfolio - consisting of Zacks Rank #1 stocks – has outperformed the S&P index by more than 12 percentage points since 1988 (through September 1st, 2025, the Zacks # 1 Rank stocks generated an annualized average return of +23.8% vs. +11.3% for the S&P 500 index).
Image Source: Zacks Investment Research
Zacks Recommendation Upgrades PDD and Seacoast Banking
Shares of PDD Holdings Inc. PDD and Seacoast Banking Corporation of Florida SBCF have surged 9.6% (versus the S&P 500’s 4.4% rise) and 6.7% (versus the S&P 500’s 6.1% rise), respectively, since their Zacks Recommendation was upgraded to Outperform on August 29 and August 21.
While the Zacks Rank is our short-term rating system that is most effective over the one- to three-month holding horizon, the Zacks Recommendation aims to predict performance over the next 6 to 12 months. However, just like the Zacks Rank, the foundation for the Zacks Recommendation is trends in earnings estimate revisions.
The Zacks Recommendation classifies stocks into three groups — Outperform, Neutral and Underperform. While these recommendations are determined quantitatively, our analysts have the flexibility to override them for the 1100+ stocks they closely follow based on their better judgment of factors such as valuation, industry conditions and management effectiveness than the quantitative model.
To access our research reports with Zacks Recommendations for the 1100+ stocks we cover, click here>>>
Zacks Focus List Stocks Lam Research, Shopify Shoot Up
Shares of Lam Research Corporation LRCX, which belongs to the Zacks Focus List, have gained 56.4% over the past 12 weeks. The stock was added to the Focus List on December 5, 2016. Another Focus-List holding, Shopify Inc. SHOP, which was added to the portfolio on September 6, 2022, has returned 39% over the past 12 weeks. The S&P 500 has advanced 6.3% over this period.
The 50-stock Focus List portfolio returned 18.3% in 2025 (through September 30th, 2025) vs. +14.8% for the S&P 500 index and +9.9% for the equal-weight version of the index.
The Zacks Focus List portfolio returned +18.41% in 2024 vs. +25.04% for the S&P 500 index and +13% for the equal-weight S&P 500 index. The portfolio had returned +29.54% in 2023 vs. +26.28% for the S&P 500 index and +13.61% for the equal-weight S&P 500 index. In 2022, the portfolio returned -15.2% vs. the S&P 500 index’s -17.96%.
The portfolio leads the broader market over the preceding one, three, five and ‘since 2004’ periods. These annualized return comparisons are: +16.96% for the Focus List vs. +17.60% for the index over the one-year period, +26.77% vs. +24.94% over the 3-year period, +17.38% vs. +14.48% over the 5-year period, and +12.13% vs. +10.71% since 2004.
Unlock all of our powerful research, tools and analysis, including the Focus List, Zacks #1 Rank List, Equity Research Reports, Zacks Earnings ESP Filter, Premium Screener and more, as part of Zacks Premium. Gain full access now >>
Zacks ECAP Stocks Thermo Fisher & Fair Isaac Make Significant Gains
Thermo Fisher Scientific Inc. TMO, a component of our Earnings Certain Admiral Portfolio (ECAP), has jumped 19.7% over the past 12 weeks. Fair Isaac Corporation FICO has followed Thermo Fisher with 8.8% returns.
The Zacks Earnings Certain Admiral Portfolio (ECAP), which consists of 30 concentrated, ultra-defensive, long-term Buy-and-Hold stocks, returned +0.20% in the second quarter of 2025 vs. the S&P 500 index’s +10.94% gain (SPY ETF). In the year-to-date period through June 30th, the portfolio returned +3.93% vs. +6.20% gain for the S&P 500 index.
For the year 2024, the portfolio returned +16.26% vs. +24.89% for the S&P 500 index (SPY ETF).
In 2023, the portfolio returned +12.17% vs. +26.28% for the S&P 500 index. The portfolio returned -4.7% in 2022 vs. the S&P 500 index’s -17.96%.
With little to no turnover and annual rebalance periodicity, ECAP seeks to minimize capital loss by holding shares of companies whose earnings streams exhibit a proven 20+ year track record of surviving recessionary periods with minimal impact on aggregate earnings growth relative to the overall S&P 500.
The ECAP and many other model portfolios are available as part of Zacks Advisor Tools, a cloud-based solution to access Zacks award-winning stock, mutual fund and ETF research. Click here to schedule a demo.
Zacks ECDP Stocks UnitedHealth and 3M Outperform Peers
UnitedHealth Group Incorporated UNH, which is part of our Earnings Certain Dividend Portfolio (ECDP), has returned 29% over the past 12 weeks. Another ECDP stock, 3M Company MMM, has climbed 11.4% over the same time frame. Of course, the inclination of investors toward quality dividend stocks to secure an income stream amid heightened market volatility contributed to this performance.
With an extremely low beta and a history of minimum earnings variability over the last 20+ years, this 25-stock portfolio helps significantly mitigate risk.
The Zacks Earnings Certain Dividend Portfolio (ECDP) returned -3.17% in 2025 Q2 vs. the S&P 500 index’s +10.94% gain and the Dividend Aristocrats ETF’s (NOBL) -0.09% return. Year-to-date (through June 30th), the portfolio returned +2.38% vs. +2.18% gain for the Dividend Aristocrat ETF.
For the full year 2024, the portfolio returned +6.95% vs. +24.89% for the S&P 500 index and +6.72% for NOBL.
The portfolio returned -0.9% in 2023 vs. +26.28% for the S&P 500 index and +8.11% for NOBL. The portfolio returned -2.3% in 2022 vs. -17.96% for the S&P 500 index and -8.34% for NOBL.
Click here to access this portfolio on Zacks Advisor Tools.
Zacks Top 10 Stock Credo Technology Delivers Solid Returns
Credo Technology Group Holding Ltd CRDO, from the Zacks Top 10 Stocks for 2025, has jumped 131.4% year to date compared with the S&P 500 Index’s 15.6% increase.
The Top 10 portfolio returned +26.47% this year (through the end of September 2025) vs. +14.84% for the S&P 500 index and +9.9% for the equal-weight version of the index.
The Top 10 portfolio returned +62.98% in 2024, vs. +25.04% for the S&P 500 index and +13% for the equal-weight version of the index. The portfolio had returned +25.15% in 2023 vs. +26.28% for the S&P 500 index.
Since 2012, the Top 10 portfolio has produced a cumulative return of +2,553.1% through the end of September 2025 vs. +545.2% for the S&P 500 index and +396.4% for the equal-weight version of the index. The portfolio has produced an average return of +26.6% in the period 2012 through September 30, 2025, vs. +13.1% for the S&P 500 index and +10.5% for the equal-weight version of the index.
Beyond Nvidia: AI's Second Wave Is Here
The AI revolution has already minted millionaires. But the stocks everyone knows about aren't likely to keep delivering the biggest profits. Little-known AI firms tackling the world's biggest problems may be more lucrative in the coming months and years.
See "2nd Wave" AI stocks now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Beat the Market the Zacks Way: PDD, Shopify, 3M in Focus

The following are the top rated Information Technology stocks according to Validea's Growth Investor model based on the published strategy of Martin Zweig. This strategy looks for growth stocks with persistent accelerating earnings and sales growth, reasonable valuations and low debt.
WIPRO LTD (ADR) (WIT) is a large-cap growth stock in the Computer Services industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Wipro Limited is a technology services and consulting company. The Company operates through two segments: Information Technology (IT) Services, and IT Products. IT Services segment provides a range of IT and IT enabled services which include digital strategy advisory, customer centric design, technology consulting, IT consulting, custom application design, re-engineering and maintenance, systems integration, package implementation, cloud and infrastructure services, business process services, cloud, mobility and analytics services, research and development and hardware and software design. The IT Products segment provides a range of third-party IT products, which allows it to offer IT system integration services. These products include computing, platforms and storage, networking solutions, and software products. Its services include Applications, Artificial Intelligence, Business Process, Cloud, Consulting, Data & Analytics, Digital Experiences, Engineering, and Sustainability.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of WIPRO LTD (ADR)
FAIR ISAAC CORP (FICO) is a large-cap growth stock in the Software & Programming industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Fair Isaac Corporation is an applied analytics software company. The Company is focused on using predictive analytics and data science to improve operational decisions. The Company operates through two segments: Scores and Software. The Scores segment includes the Company's business-to-business scoring solutions and services which give its clients access to predictive credit and other scores. This segment includes its business-to-consumer scoring solutions, including its myFICO.com subscription offerings. The Companys Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process, such as account origination, customer management, customer engagement, fraud detection and marketing as well as associated professional services. This segment includes FICO Platform, a modular software offering designed to support advanced analytic and decision use cases as well as stand-alone analytic and decisioning software.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of FAIR ISAAC CORP
CELESTICA INC (CLS) is a large-cap growth stock in the Semiconductors industry. The rating according to our strategy based on Martin Zweig is 69% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Celestica Inc. is engaged in designing, manufacturing and providing hardware platform and supply chain solutions. It delivers supply chain solutions globally to customers in two operating segments: Advanced Technology Solutions (ATS) and Connectivity & Cloud Solutions (CCS). The ATS segment consists of its ATS end market and comprises its Aerospace & Defense (A&D), Industrial, HealthTech, and Capital Equipment businesses. Its Capital Equipment business comprises its semiconductor, display, and robotics equipment businesses. The CCS segment consists of its communications and enterprise end markets. The enterprise end market consists of Celesticas servers and storage businesses. It offers a range of product manufacturing and related supply chain services to customers in both of its segments, including design and development, new product introduction, engineering services, component sourcing, electronics manufacturing and assembly, testing, systems integration, among others.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of CELESTICA INC
PAYMENTUS HOLDINGS INC (PAY) is a mid-cap growth stock in the Software & Programming industry. The rating according to our strategy based on Martin Zweig is 69% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Paymentus Holdings, Inc. is a provider of cloud-based bill payment technology and solutions for more than 2,500 billers and financial institutions across North America. The Companys artificial intelligence (AI)-driven software-as-a-service (SaaS) platform provides a single-vendor solution. Its proprietary Instant Payment Network (IPN) connects its IPN partners platforms and billers to its integrated billing, payment, and reconciliation capabilities. Its platform for financial institutions reconnects financial institutions with their customers by providing a real-time financial hub where consumers can consolidate their financial obligations, pay bills, move money in real time and improve their understanding of their own financial position. Its solution offers electronic bill presentment across numerous channels, including Web, mobile, text, portable document format (PDF), email, interactive voice response (IVR), chatbot, social media and through its IPN partners.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
FAIL
Detailed Analysis of PAYMENTUS HOLDINGS INC
RADWARE LTD (RDWR) is a small-cap growth stock in the Software & Programming industry. The rating according to our strategy based on Martin Zweig is 69% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Radware Ltd. is a provider of cyber security and application delivery solutions. The Company's solutions incorporate Distributed Denial of Service protection, Web application firewall (WAF) and Application Delivery Controllers (ADC) technologies to enable its customers to provide cyber-attack mitigation solutions for a range of applications. The Company's products and activities are focused on protecting against cyber-attacks and ensuring optimal application service level for enterprises' and carriers' data centers. Its solutions include application and network security, and application delivery. Its application and network Security products include DefensePro Attack Mitigation Device, AppWall Web Application Firewall, DefenseFlow Cyber Command and Control application, and DefensePipe Cloud Scrubbing Service. Its application delivery products include Alteon NG, LinkProof NG and FastView. Its management solutions include APSolute Vision, application performance monitoring and vDirect.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of RADWARE LTD
About Martin Zweig: During the 15 years that it was monitored, Zweig's stock recommendation newsletter returned an average of 15.9 percent per year, during which time it was ranked number one based on risk-adjusted returns by Hulbert Financial Digest. Zweig has managed both mutual and hedge funds during his career, and he's put the fortune he's compiled to some interesting uses. He has owned what Forbes reported was the most expensive apartment in New York, a $70 million penthouse that sits atop Manhattan's Pierre Hotel, and he is a collector of all sorts of pop culture and historical memorabilia -- among his purchases are the gun used by Clint Eastwood in "Dirty Harry", a stock certificate signed by Commodore Vanderbilt, and even two old-fashioned gas pumps similar to those he'd seen at a nearby gas station while growing up in Cleveland, according to published reports.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Validea's Top Information Technology Stocks Based On Martin Zweig - 10/24/2025

Key Points
U.S. regional banks have sparked concerns about the health of some consumer credit segments.
Upstart stock has been swept up in the chaos.
Upstart is generating explosive growth right now, and its stock looks attractively valued.
Upstart Holdings (NASDAQ: UPST) developed an artificial intelligence (AI) algorithm to perform credit assessments on potential borrowers. It can analyze more data and deliver faster approvals than traditional assessment methods, so a growing number of banks are using it to originate their consumer loans.
However, Upstart stock has plummeted by 27% during the past 30 days, as some U.S. regional banks have flagged potential credit losses from bad loans and even fraud over the last few weeks, which is dragging the entire consumer credit sector down. There is no suggestion Upstart contributed to any of the purported issues -- in fact, loans originated using its algorithm typically outperform those originated through traditional assessment methods.
Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue »
As a result, this might be a buying opportunity for investors. Upstart is scheduled to release its results for the third quarter of 2025 on Nov. 4. Here's why the report could be a bullish catalyst.
AI-powered lending could be a trillion-dollar opportunity
Banks have relied on Fair Isaac's FICO credit scoring system for more than three decades, but it only takes a handful of factors into account, like a person's existing debt and their repayment history. Therefore, Upstart believes it's outdated. It has designed its AI algorithm to analyze over 2,500 data points instead, to get a more accurate sense of a potential borrower's ability to repay their loan.
Upstart says 92% of its approvals are fully automated and instant, whereas it would take a human assessor days or even weeks to analyze a similar amount of data. This creates a convenient customer experience, which is why banks and credit unions are eager to adopt the technology.
Most of Upstart's originations are unsecured personal loans, but it has a growing presence in the automotive and home equity line of credit (HELOC) segments. During the second quarter of 2025, the company originated 372,599 loans across all categories, which was up by an eye-popping 159% from the year-ago period. They had a dollar value of $2.8 billion, which was a three-year high.
Granted, the past few years have been difficult for Upstart, as elevated interest rates drove down demand for consumer loans. The Federal Reserve cut rates three times in the closing months of 2024, which contributed to Upstart's strong second-quarter result. However, the company also cited an improvement in its AI algorithm, which converted more applicants into borrowers.
This momentum could have serious legs in the long run. At Upstart's "AI Day 2025" event earlier this year, Chief Executive Officer Dave Girouard said he expects all human loan assessment methods will be replaced by AI during the next 10 years. That leaves $25 trillion in annual loan originations up for grabs worldwide, and a whopping $1 trillion per year in fee revenue.
Upstart is on track for record revenue this year
As a result of its surging originations, Upstart's second-quarter revenue jumped by 102% year over year to $257 million. It was the fourth-consecutive quarter in which revenue growth accelerated.
The strong result prompted management to raise the company's full-year revenue forecast to $1.055 billion for 2025, which would be the first time it crosses the billion-dollar milestone. If Upstart's third-quarter result comes in above management's estimate of $280 million on Nov. 4, investors should look for a further upward revision to the full-year forecast.
Upstart's bottom line is also benefiting from the surge in revenue. The company reported $5.6 million in net income on a generally accepted accounting principles (GAAP) basis during the second quarter, and it's now on track for its first profitable year since 2021.
Upstart stock trades at an attractive valuation
As I mentioned, there hasn't been any indication that Upstart's algorithm is driving the recent issues with bad loans at regional banks. In fact, Upstart won a regional bank client as recently as Oct. 15, which is now using its algorithm to originate personal loans, car loans, and HELOCs.
Plus, Upstart's algorithm was battle-tested during the difficult 2022 and 2023 period, and it performed well. The company wouldn't be growing so quickly right now if that weren't the case.
With all of that in mind, Upstart stock could be a great buy on the dip ahead of its Nov. 4 earnings report. It's trading at a price-to-sales (P/S) ratio of just 5.6 as I write this, which is a 50% discount to its average of 11.1 dating back to its initial public offering (IPO) in 2020.
It looks even more attractive on a forward basis, if we measure its P/S ratio using Wall Street's 2026 revenue forecast of $1.34 billion:
In other words, Upstart stock would have to rise by 55% by the end of next year just to maintain its current P/S ratio of 5.6, and it would have to rocket by 208% in order for its P/S ratio to match its long-term average of 11.1.
As a result, the risk-reward picture looks very compelling right now, so Upstart stock could be a solid buy, especially for investors willing to hold on to it for at least the next 12 months (and beyond).
Should you invest $1,000 in Upstart right now?
Before you buy stock in Upstart, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Upstart wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $602,049!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,105,092!*
Now, it’s worth noting Stock Advisor’s total average return is 1,028% — a market-crushing outperformance compared to 190% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.
*Stock Advisor returns as of October 20, 2025
Anthony Di Pizio has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Upstart. The Motley Fool recommends Fair Isaac. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

1 Magnificent Artificial Intelligence (AI) Stock to Buy Hand Over Fist Heading Into November

Roper Technologies (ROP) came out with quarterly earnings of $5.14 per share, beating the Zacks Consensus Estimate of $5.11 per share. This compares to earnings of $4.62 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +0.59%. A quarter ago, it was expected that this industrial equipment maker would post earnings of $4.82 per share when it actually produced earnings of $4.87, delivering a surprise of +1.04%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
Roper Technologies, which belongs to the Zacks Computers - IT Services industry, posted revenues of $2.02 billion for the quarter ended September 2025, missing the Zacks Consensus Estimate by 0.01%. This compares to year-ago revenues of $1.76 billion. The company has topped consensus revenue estimates three times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Roper Technologies shares have lost about 2.1% since the beginning of the year versus the S&P 500's gain of 13.9%.
What's Next for Roper Technologies?
While Roper Technologies has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Roper Technologies was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $5.24 on $2.09 billion in revenues for the coming quarter and $20.32 on $7.93 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Computers - IT Services is currently in the top 20% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Fair Isaac (FICO), another stock in the same industry, has yet to report results for the quarter ended September 2025.
This financial services company is expected to post quarterly earnings of $7.36 per share in its upcoming report, which represents a year-over-year change of +12.5%. The consensus EPS estimate for the quarter has been revised 3.1% lower over the last 30 days to the current level.
Fair Isaac's revenues are expected to be $511.78 million, up 12.8% from the year-ago quarter.
Should You Invest in Roper Technologies, Inc. (ROP)?
Before you invest in Roper Technologies, Inc. (ROP), want to know the best stocks to buy for the next 30 days? Check out Zacks Investment Research for our free report on the 7 best stocks to buy.
Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Roper Technologies (ROP) Surpasses Q3 Earnings Estimates

Among the underlying components of the S&P 500 index, we saw noteworthy options trading volume today in F5 Inc (Symbol: FFIV), where a total of 2,966 contracts have traded so far, representing approximately 296,600 underlying shares. That amounts to about 53.8% of FFIV's average daily trading volume over the past month of 551,360 shares. Especially high volume was seen for the $280 strike put option expiring November 21, 2025, with 1,012 contracts trading so far today, representing approximately 101,200 underlying shares of FFIV. Below is a chart showing FFIV's trailing twelve month trading history, with the $280 strike highlighted in orange:
Fair Isaac Corp (Symbol: FICO) saw options trading volume of 1,951 contracts, representing approximately 195,100 underlying shares or approximately 49.3% of FICO's average daily trading volume over the past month, of 395,905 shares. Particularly high volume was seen for the $1960 strike call option expiring October 17, 2025, with 1,074 contracts trading so far today, representing approximately 107,400 underlying shares of FICO. Below is a chart showing FICO's trailing twelve month trading history, with the $1960 strike highlighted in orange:
And Hologic Inc (Symbol: HOLX) options are showing a volume of 9,575 contracts thus far today. That number of contracts represents approximately 957,500 underlying shares, working out to a sizeable 46.2% of HOLX's average daily trading volume over the past month, of 2.1 million shares. Particularly high volume was seen for the $75 strike call option expiring November 21, 2025, with 3,568 contracts trading so far today, representing approximately 356,800 underlying shares of HOLX. Below is a chart showing HOLX's trailing twelve month trading history, with the $75 strike highlighted in orange:
For the various different available expirations for FFIV options, FICO options, or HOLX options, visit StockOptionsChannel.com.
Also see:
Cheap Growth Stocks
BTTR Options Chain
CASH YTD Return
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Noteworthy Thursday Option Activity: FFIV, FICO, HOLX

The following are the top rated Information Technology stocks according to Validea's Growth Investor model based on the published strategy of Martin Zweig. This strategy looks for growth stocks with persistent accelerating earnings and sales growth, reasonable valuations and low debt.
KAROOOOO LTD (KARO) is a small-cap growth stock in the Software & Programming industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Karooooo Ltd. is a Singapore-based company. The principal activities include the provision of real-time mobility data analytics solutions for smart transportation through its software-as-a-service (SaaS) platform, physical and electronic commerce vehicle buying and selling, and providing a technology platform focused on last-mile delivery. The Companys segments include Cartrack, Carzuka, and Karooooo Logistics. Cartrack offers an on-the-ground operational Internet of Things (IoT) SaaS cloud that optimizes transportation, operations, and workflow data. Carzuka is a physical and electronic commerce marketplace for vehicle buying and selling, allowing customers to source, buy, and sell vehicles. Karooooo Logistics provides a software application for managing last-mile delivery and general operational logistics. The Companys subsidiaries include Cartrack Holdings Proprietary Limited, Carzuka.com Pte Ltd, Karooooo Management Company Pte. Ltd., Karooooo Cartrack Limited, and others.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of KAROOOOO LTD
MKS INC (MKSI) is a mid-cap growth stock in the Scientific & Technical Instr. industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: MKS Inc., formerly MKS Instruments, Inc., is engaged in delivering technology solutions. Its segments include Vacuum Solutions Division (VSD), Photonics Solutions Division (PSD), and Materials Solutions Division (MSD). The VSD segment delivers foundational technology solutions to edge semiconductor manufacturing, electronics and packaging and specialty industrial applications. VSD products are derived from its competencies in pressure measurement and control, flow measurement and control, gas and vapor delivery, gas composition analysis, electronic control technology, reactive gas generation and delivery, power generation and delivery, and vacuum technology. The PSD segment offers a range of instruments, components, and subsystems for semiconductor manufacturing, electronics and packaging and specialty industrial applications. The MSD segment develops process and manufacturing technologies for advanced surface modification, electroless and electrolytic plating, and surface finishing.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of MKS INC
FAIR ISAAC CORP (FICO) is a large-cap growth stock in the Software & Programming industry. The rating according to our strategy based on Martin Zweig is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Fair Isaac Corporation is an applied analytics software company. The Company is focused on using predictive analytics and data science to improve operational decisions. The Company operates through two segments: Scores and Software. The Scores segment includes the Company's business-to-business scoring solutions and services which give its clients access to predictive credit and other scores. This segment includes its business-to-consumer scoring solutions, including its myFICO.com subscription offerings. The Companys Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process, such as account origination, customer management, customer engagement, fraud detection and marketing as well as associated professional services. This segment includes FICO Platform, a modular software offering designed to support advanced analytic and decision use cases as well as stand-alone analytic and decisioning software.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of FAIR ISAAC CORP
CELESTICA INC (CLS) is a large-cap growth stock in the Semiconductors industry. The rating according to our strategy based on Martin Zweig is 69% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Celestica Inc. is engaged in designing, manufacturing and providing hardware platform and supply chain solutions. It delivers supply chain solutions globally to customers in two operating segments: Advanced Technology Solutions (ATS) and Connectivity & Cloud Solutions (CCS). The ATS segment consists of its ATS end market and comprises its Aerospace & Defense (A&D), Industrial, HealthTech, and Capital Equipment businesses. Its Capital Equipment business comprises its semiconductor, display, and robotics equipment businesses. The CCS segment consists of its communications and enterprise end markets. The enterprise end market consists of Celesticas servers and storage businesses. It offers a range of product manufacturing and related supply chain services to customers in both of its segments, including design and development, new product introduction, engineering services, component sourcing, electronics manufacturing and assembly, testing, systems integration, among others.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of CELESTICA INC
ADVANTEST CORP (ADR) (ATEYY) is a large-cap growth stock in the Electronic Instr. & Controls industry. The rating according to our strategy based on Martin Zweig is 69% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Advantest Corp is a Japan-based company mainly engaged in the manufacture and sale of semiconductor and component test system product lines and mechatronics-related product lines, as well as other related research and development, maintenance and service activities. The Company consists of three business segments. The Semiconductor and Component Test Systems Business segment provides test system products such as System on Chip (SoC) test systems and memory test systems for the semiconductor and electronic component industries. The Mechatronics-related Business segment provides test handlers for mechatronics-applied products that handle semiconductor devices, device interfaces that interface with the device under test, and nanotechnology-related products. The Services and Others segment provides comprehensive customer solutions, solutions for system-level testing of solid state drive (SSD) and other devices, support services, used equipment sales, and equipment leasing.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
EPS GROWTH FOR CURRENT QUARTER MUST BE GREATER THAN THE HISTORICAL GROWTH RATE:
PASS
Detailed Analysis of ADVANTEST CORP (ADR)
About Martin Zweig: During the 15 years that it was monitored, Zweig's stock recommendation newsletter returned an average of 15.9 percent per year, during which time it was ranked number one based on risk-adjusted returns by Hulbert Financial Digest. Zweig has managed both mutual and hedge funds during his career, and he's put the fortune he's compiled to some interesting uses. He has owned what Forbes reported was the most expensive apartment in New York, a $70 million penthouse that sits atop Manhattan's Pierre Hotel, and he is a collector of all sorts of pop culture and historical memorabilia -- among his purchases are the gun used by Clint Eastwood in "Dirty Harry", a stock certificate signed by Commodore Vanderbilt, and even two old-fashioned gas pumps similar to those he'd seen at a nearby gas station while growing up in Cleveland, according to published reports.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Validea's Top Information Technology Stocks Based On Martin Zweig - 10/15/2025

Key Points
Upstart was using artificial intelligence before it became commonplace.
Now that companies are embracing AI, Upstart’s growth prospects are bright.
This stock has underperformed of late, but the analyst community thinks this weakness isn’t merited.
Anybody who buys a particular stock obviously does so with the expectation that it will gain in value. No level-headed investor genuinely expects a normal-sized trade to become life-changing, though.
Yet, there's no denying it happens. Amazon and Nvidia are a couple of names that come to mind.
Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now, when you join Stock Advisor. See the stocks »
Could an up-and-comer like Upstart (NASDAQ: UPST) be the next millionaire-making stock most don't see coming? Although most investors aren't convinced, a small handful are. Here's what they're seeing, along with what the rest of the crowd is missing.
What's Upstart?
Upstart is a new kind of credit-reporting bureau akin to Equifax (NYSE: EFX), TransUnion (NYSE: TRU), and Experian (OTC: EXPG.Y), although it also plays a credit-scoring role like Fair Isaac's (NYSE: FICO) FICO model.
Even with all the ways it's like the industry's legacy services, however, it's also distinctly different from these established names...and it's better. Its technology is easier for would-be lenders to use than traditional ways of retrieving a credit score. It also provides lenders with a more accurate assessment of someone's creditworthiness.
The key is the underlying platform itself.
One of Upstart's co-founders -- computer science and economics student Paul Gu -- did something that no one else had even attempted it before, or tried to imitate in the meantime. He developed an artificial intelligence algorithm that incorporates all the relevant information regarding a would-be borrower to paint a better picture of an individual's creditworthiness.
Upstart's platform looks at more than 2,500 unique variables as part of its credit-scoring process. Some of them are obvious ones, like income, employment, and someone's repayment history. Many of its other data points aren't ones on Fair Isaac's radar, even though they arguably should be.
More important to lenders, borrowers, and even interested investors, the approach is proving to be a better one for every party involved. Its solution allows for 43% more approvals without any additional defaults compared to the more traditional approach of determining an individual's credit score. More than nine out of 10 of its loan approvals are automated, and therefore completed in a matter of seconds. Lenders just need access to the company's application programming interface, or API, which links their systems to Upstart's.
At the tipping point
The technology works. But that doesn't mean Upstart's growth has been easy or consistent since its debut in 2012.
Like any start-up launching into a long-established industry dominated by a handful of powerful incumbents, this start-up has struggled at times. The mainstreaming (and then explosion) of artificial intelligence since ChatGPT's launch in late 2022, however, appears to have been the proverbial tipping point for this outfit. There are now more than 100 banks using Upstart's technology, up from fewer than 60 as of early 2022 and fewer than 20 at the beginning of 2021.
That's the chief reason its revenue has not only grown every quarter since the third quarter of last year, but is now accelerating. So too is the company's bottom line. Upstart swung to a profit in this year's Q2 and analysts expect earnings to continue rising. This year's full-year per-share estimated profit of $1.65 per share is projected to rise to $2.49 next year.
But that's still only a drop in the bucket. The 697,092 loans that Upstart's platform originated last year -- worth a total of $5.9 billion -- are a mere fraction of the total U.S. loan market. Numbers from the Federal Reserve indicate that U.S. consumers took out $131 billion in new mortgage loans just in Q2 of this year alone. They also collectively borrowed $13 billion to purchase vehicles, and took out $9 billion in home equity loans.
Although only the latter two loan types are currently facilitated by Upstart, that's still an enormous opportunity. Indeed, Mordor Intelligence believes the U.S. digital lending business is set to grow at an annualized pace of more than 13% through 2030, now that using artificial intelligence to quickly facilitate loans is an option. Furthermore, this growth could persist well beyond that point in time.
Upstart is well-positioned to capture at least its fair share of this growth, and realistically speaking, capture more than its fair share of it.
Only if you can make a long-term commitment
So, yes, buying Upstart stock today could help set you up for life, particularly given its lethargic performance since late last year, which doesn't reflect its long-term growth potential. Most investors seem concerned about the prospect of economic weakness, and fear the effect it could have on the company's lending and credit-scoring business.
Upstart's business continues to climb that wall of worry. This year's swing to profitability is being fueled by top-line growth that is forecast to roll in at 66% more than last year's, to be followed by next year's 27% growth. Lenders and borrowers continue to fall in love with just how well Upstart's solution works.
This might help seal the deal: Although most investors aren't very bullish right now, the analyst community covering the company mostly is. Their one-year average price target of $77.57 is almost 60% higher than the stock's recent price of $48.58. That's not a bad way to start out a new trade, even if you should only consider a stake in this company if you're truly committed to making it a long-term holding. There's likely to be a lot of volatility along the way.
Should you invest $1,000 in Upstart right now?
Before you buy stock in Upstart, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Upstart wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $657,979!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,122,746!*
Now, it’s worth noting Stock Advisor’s total average return is 1,060% — a market-crushing outperformance compared to 187% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.
*Stock Advisor returns as of October 7, 2025
James Brumley has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, Equifax, Nvidia, and Upstart. The Motley Fool recommends Experian Plc and Fair Isaac. The Motley Fool has a disclosure policy.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Prediction: Buying Upstart Stock Today Could Set You Up for Life

Below is Validea's guru fundamental report for FAIR ISAAC CORP (FICO). Of the 22 guru strategies we follow, FICO rates highest using our Growth Investor model based on the published strategy of Martin Zweig. This strategy looks for growth stocks with persistent accelerating earnings and sales growth, reasonable valuations and low debt.
FAIR ISAAC CORP (FICO) is a large-cap growth stock in the Software & Programming industry. The rating using this strategy is 77% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of FAIR ISAAC CORP
More Information on Martin Zweig
About Martin Zweig: During the 15 years that it was monitored, Zweig's stock recommendation newsletter returned an average of 15.9 percent per year, during which time it was ranked number one based on risk-adjusted returns by Hulbert Financial Digest. Zweig has managed both mutual and hedge funds during his career, and he's put the fortune he's compiled to some interesting uses. He has owned what Forbes reported was the most expensive apartment in New York, a $70 million penthouse that sits atop Manhattan's Pierre Hotel, and he is a collector of all sorts of pop culture and historical memorabilia -- among his purchases are the gun used by Clint Eastwood in "Dirty Harry", a stock certificate signed by Commodore Vanderbilt, and even two old-fashioned gas pumps similar to those he'd seen at a nearby gas station while growing up in Cleveland, according to published reports.
Additional Research Links
High Insider Ownership Stocks
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

FICO Quantitative Stock Analysis - Martin Zweig

SoundHound AI, Inc. SOUN has deepened its partnership with Apivia Courtage, part of AEMA Group, to deploy its Amelia 7 agentic AI platform in contact centers. The initiative marks a pivotal moment in Apivia’s digital transformation while reinforcing SoundHound’s credibility in high-value enterprise markets.
The insurer, which already achieved a 20% productivity boost from earlier deployments of SoundHound’s AI agents, is now pioneering Amelia 7’s advanced reasoning and multi-intent capabilities across customer interactions.
Following the news, SOUN stock gained 3.7% during yesterday’s trading session.
Strengthening Customer Experience
With Amelia 7, Apivia Courtage can automate complex tasks such as verifying customer identities, updating personal details, calculating insurance contract impacts and even scheduling advisor meetings. Customers gain seamless self-service, while human agents are freed to focus on higher-value advisory roles.
This innovation not only enhances customer satisfaction but also provides a scalable framework for managing call volumes efficiently — a major competitive advantage in the insurance sector.
Strategic Growth for SoundHound
For SoundHound, the partnership validates Amelia 7’s enterprise readiness under strict industry benchmarks. Apivia’s decision to showcase the pilot at the Reavie conference in France highlights industry confidence in SoundHound’s AI.
The collaboration strengthens SoundHound’s position in regulated sectors such as insurance, where robust, customer-facing AI solutions are increasingly in demand. With its Agentic+ framework blending LLM reasoning, deterministic flows and human escalation, SoundHound is positioned to capture broader adoption across financial services and other industries.
ShoundHound’s Share Price Performance
SoundHound shares have seen a significant increase in the past three months, with the stock price rising 53.7% over the period. The stock has sharply outperformed its industry, broader Computer and Technology sector and the S&P 500 over the past month, as shown below.
Image Source: Zacks Investment Research
SoundHound’s ability to secure high-profile partnerships like Apivia Courtage demonstrates its traction in mission-critical enterprise applications. By proving real-world productivity gains and showcasing Amelia 7’s potential to transform customer service, the company is setting the stage for sustainable revenue growth and market expansion.
This partnership underscores why SOUN remains a compelling growth story in the conversational AI space, particularly as industries like insurance adopt next-gen AI at scale.
SOUN’s Zacks Rank & Key Picks
Currently, SoundHound carries a Zacks Rank #3 (Hold).
Some better-ranked stocks from the Computer and Technology sector have been discussed below:
Cerence Inc. CRNC presently sports a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
Cerence delivered a trailing four-quarter earnings surprise of 87.3%, on average. CRNC stock has jumped 22.3% in the past three months. The Zacks Consensus Estimate for CRNC’s fiscal 2025 sales and EPS indicates a decline of 25.7% and 109.8%, respectively, from the year-ago period’s levels.
Fair Isaac Corporation FICO flaunts a Zacks Rank of 1 at present. The company delivered a trailing four-quarter earnings surprise of 2.2%, on average. Fair Isaac’s stock has gained 7% in the past three months.
The Zacks Consensus Estimate for Fair Isaac’s 2025 sales and EPS indicates growth of 15.8% and 24.4%, respectively, from the prior-year levels.
Leidos Holdings, Inc. LDOS has a Zacks Rank of 2 (Buy) at present. The company delivered a trailing four-quarter earnings surprise of 25.1%, on average. Leidos’ stock has gained 21.7% over the past three months.
The Zacks Consensus Estimate for Leidos’ 2025 sales and EPS indicates growth of 3% and 9.9%, respectively, from the prior-year levels.
Quantum Computing Stocks Set To Soar
Artificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.
Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power, you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.
Access the Report Free Now >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
SoundHound AI, Inc. (SOUN) : Free Stock Analysis Report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Indicator	TTM Median
P/E	89.18 28.98
Price/Sales	27.38 2.58
P/B	0.00 2.76
P/FCF	72.09 24.31

Indicator	TTM Median
ROE	0.00 15.33
ROA	31.89 6.66
ROI	43.01 9.73
Net Worth	48.25 0.98
Quick Ratio	0.00 1.53
Current Ratio	1.80 1.84

Indicator	TTM Median
Net Profit Margin	30.69 9.71
Operating Margin	42.91 11.07
Gross Margin	80.18 50.00
Return on tangible equity	0.00 27.59

Indicator	TTM Median
EPS	6.47 0.24
EPS Forecast	6.11 0.19
Revenue	440.00M 73.00M
Gross Profit	353.00M —
EBITDA	183.00M —

Fair Isaac Corporation

TTM metrics for the latest quarter under IFRS and their historical dynamics

Valuation

Debts

Efficiency

Other ratios

Revenue