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

Key Points
Chime provides fee-free banking services for underserved customers.
Upstart’s AI lending platform helps its partners reach more borrowers.
Both stocks are promising fintech plays, but one faces fewer near-term headwinds.
Chime (NASDAQ: CHYM) and Upstart (NASDAQ: UPST) are both high-growth fintech companies that serve lower-income customers. Chime offers fee-free digital banking services to customers who might struggle to open accounts at traditional banks, while Upstart uses its AI algorithms to approve loans for borrowers with limited credit histories.
Chime went public at $27 this June, but it now trades at about $24. Upstart went public at $20 in December 2020, and it now trades at around $47. Let's see why Upstart soared and Chime slumped, and if the former will continue to outperform the latter over the next few years.
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Chime is still growing, but its expenses are rising
Chime's online platform provides fee-free checking and savings accounts with overdraft protection, early pay tools, and other financial services. It also issues a Visa (NYSE: V) debit card (with fee-free access to more than 50,000 ATMs) and an entry-level credit card.
Chime's services are appealing to lower-income users who don't have enough assets to open higher-value, fee-free accounts at traditional banks. Its early pay tools are useful for people who live paycheck to paycheck, while its starter credit cards help them gradually build up their credit scores.
Chime isn't a bank. It's supported by two FDIC-insured banks -- The Bancorp (NASDAQ: TBBK) Bank and Stride Bank -- which hold and manage its accounts. It generates most of its revenue by taking a cut of the swipe fees that Visa charges merchants whenever its cards are used.
In 2024, its number of active members rose 21% to 8.0 million, its purchase volume increased 25% to $115.2 billion, and its average revenue per active member (ARPAM) grew 16% to $245. Its total revenue increased 31% to $1.67 billion.
Chime's active member base grew to 9.1 million by the end of the third quarter of 2025. But its purchase volume still dipped sequentially throughout the first three quarters of the year. Its ARPAM also decreased sequentially in the second quarter and flatlined in the third quarter. It initially blamed that slowdown on tough comparisons to the seasonal surge in tax refund-driven spending in the first quarters of every year, but the macro headwinds likely exacerbated that pressure.
At the same time, its adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) margins shrank as it ramped up its marketing campaigns and rolled out more lower-margin features. That mix of slower sales growth and rising costs spooked the bulls.
But for 2025, analysts still expect Chime's revenue to rise 30% to $2.17 billion as its adjusted EBITDA turns positive. For 2026, they expect its revenue to grow 21% to $2.62 billion as its adjusted EBITDA nearly triples. That optimistic outlook suggests its near-term investments will pay off as the macro environment warms up again.
Upstart will profit from lower interest rates
Upstart doesn't issue any of its own loans. It's merely an AI-powered middleman marketplace that approves loans for a wide range of banks, credit unions, and auto dealerships. But instead of crunching traditional data like a borrower's FICO (NYSE: FICO) score, credit history, or annual income, Upstart aggregates non-traditional data points -- including previous jobs, standardized test scores, and GPAs -- to reach a broader range of customers.
That makes Upstart a valuable tool for approving loans for younger and lower-income borrowers with limited credit histories. It generates most of its revenue by charging its lending partners referral fees, which are collected as a small percentage of each approved loan. Its business flourished when interest rates were low, but it stalled out in 2022 and 2023 as rising rates curbed the market's demand for new loans.
But in 2024, Upstart originated loans grew 28% as its conversion rate (the percentage of inquiries leading to approved loans) rose 6.5 percentage points to 16.5%. Its total revenue rose 24% to $636.5 million, and its adjusted EBITDA -- which turned red in 2023 -- turned green again.
That growth was mainly fueled by the Fed's three rate cuts throughout the year. But it also automated more of its loans, gained more lending partners, and expanded its smaller auto lending and home equity lines of credit (HELOC) segments to reach more borrowers. It also focused on gaining more "super prime" borrowers to increase its take rates, boost its gross margins, and reduce its long-term dependence on riskier borrowers.
The Fed cut its benchmark rates two more times this year, and analysts expect Upstart's revenue and adjusted EBITDA to surge 63% and 2,066% in 2025 as those tailwinds kick in. For 2026, they expect its revenue and adjusted EBITDA to rise 22% and 42%, respectively.
The better buy: Upstart
With an enterprise value of $8.35 billion, Chime looks reasonably valued at 26 times next year's adjusted EBITDA. But Upstart, with an enterprise value of $5.38 billion, still looks cheaper at 16 times next year's adjusted EBITDA.
Both of these fintech stocks seem like promising investments. But Chime faces more direct competitors than Upstart, its growth is decelerating, it relies heavily on consumer spending, and its stock is more richly valued. That makes Upstart -- which has stronger growth rates, a lower valuation, and clearer near-term catalysts -- the better buy.
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Leo Sun has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Upstart and Visa. 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.

Better Fintech Stock: Chime Financial vs. Upstart

Growth investors focus on stocks that are seeing above-average financial growth, as this feature helps these securities garner the market's attention and deliver solid returns. But finding a great growth stock is not easy at all.
That's because, these stocks usually carry above-average risk and volatility. In fact, betting on a stock for which the growth story is actually over or nearing its end could lead to significant loss.
However, it's pretty easy to find cutting-edge growth stocks with the help of the Zacks Growth Style Score (part of the Zacks Style Scores system), which looks beyond the traditional growth attributes to analyze a company's real growth prospects.
Fair Isaac (FICO) is one such stock that our proprietary system currently recommends. The company not only has a favorable Growth Score, but also carries a top Zacks Rank.
Studies have shown that stocks with the best growth features consistently outperform the market. And returns are even better for stocks that possess the combination of a Growth Score of A or B and a Zacks Rank #1 (Strong Buy) or 2 (Buy).
While there are numerous reasons why the stock of this financial services company is a great growth pick right now, we have highlighted three of the most important factors below:
Earnings Growth
Arguably nothing is more important than earnings growth, as surging profit levels is what most investors are after. For growth investors, double-digit earnings growth is highly preferable, as it is often perceived as an indication of strong prospects (and stock price gains) for the company under consideration.
While the historical EPS growth rate for Fair Isaac is 31.6%, investors should actually focus on the projected growth. The company's EPS is expected to grow 21.3% this year, crushing the industry average, which calls for EPS growth of 13.1%.
Cash Flow Growth
While cash is the lifeblood of any business, higher-than-average cash flow growth is more important and beneficial for growth-oriented companies than for mature companies. That's because, growth in cash flow enables these companies to expand their businesses without depending on expensive outside funds.
Right now, year-over-year cash flow growth for Fair Isaac is 5.4%, which is higher than many of its peers. In fact, the rate compares to the industry average of 3.4%.
While investors should actually consider the current cash flow growth, it's worth taking a look at the historical rate too for putting the current reading into proper perspective. The company's annualized cash flow growth rate has been 20.3% over the past 3-5 years versus the industry average of 13.6%.
Promising Earnings Estimate Revisions
Superiority of a stock in terms of the metrics outlined above can be further validated by looking at the trend in earnings estimate revisions. A positive trend is of course favorable here. Empirical research shows that there is a strong correlation between trends in earnings estimate revisions and near-term stock price movements.
The current-year earnings estimates for Fair Isaac have been revising upward. The Zacks Consensus Estimate for the current year has surged 1.5% over the past month.
Bottom Line
Fair Isaac has not only earned a Growth Score of B based on a number of factors, including the ones discussed above, but it also carries a Zacks Rank #2 because of the positive earnings estimate revisions.
You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
This combination indicates that Fair Isaac is a potential outperformer and a solid choice for growth investors.
Zacks Names "Single Best Pick to Double"
From thousands of stocks, 5 Zacks experts each have chosen their favorite to skyrocket +100% or more in months to come. From those 5, Director of Research Sheraz Mian hand-picks one to have the most explosive upside of all.
It’s a little-known chemical company that’s up 65% over last year, yet still dirt cheap. With unrelenting demand, soaring 2022 earnings estimates, and $1.5 billion for repurchasing shares, retail investors could jump in at any time.
This company could rival or surpass other recent Zacks’ Stocks Set to Double like Boston Beer Company which shot up +143.0% in little more than 9 months and NVIDIA which boomed +175.9% in one year.
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3 Reasons Why Growth Investors Shouldn't Overlook Fair Isaac (FICO)

Last Friday, the three most widely followed benchmark indexes closed a losing week. The tech-heavy Nasdaq, the S&P 500 and the Dow Jones slid 2.7%, 2% and 1.9%, respectively. Nasdaq witnessed its third straight week of losses.
Softer corporate earnings from several tech names weighed on the Nasdaq, while continued signs of cooling consumer demand raised concerns about a broader economic slowdown. Ongoing budget negotiations in Washington and renewed tensions over trade with key global partners added to the market unease, prompting investors to shift toward safer assets.
Global pressures like sluggish growth data from Europe further hurt sentiment and intensified fears of a synchronized slowdown. Meanwhile, the Fed maintained a cautious tone, emphasizing that inflation, though easing, remained above target, suggesting that interest rates would stay elevated longer than many hoped. This combination of economic, political and global headwinds kept risk appetite subdued and accelerated the week’s downward momentum across U.S. equities.
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:
Western Digital and Prelude Therapeutics Surge Following Zacks Rank Upgrade
Shares of Western Digital Corporation WDC have gained 19.2% (versus the S&P 500’s 0.7% decrease) since it was upgraded to a Zacks Rank #1 (Strong Buy) on September 30.
Another stock, Prelude Therapeutics Incorporated PRLD, which was upgraded to a Rank #2 (Buy) on September 29, has returned 11.3% (versus the S&P 500’s 0.4% decrease) 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 Macy’s and Grupo Cibest
Shares of Macy's, Inc. M and Grupo Cibest S.A. CIB have surged 15.6% (versus the S&P 500’s 0.3% rise) and 15.3% (versus the S&P 500’s 0.6% fall), respectively, since their Zacks Recommendation was upgraded to Outperform on September 18 and September 24.
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 Micron, Lam Research Shoot Up
Shares of Micron Technology, Inc. MU, which belongs to the Zacks Focus List, have gained 76.2% over the past 12 weeks. The stock was added to the Focus List on December 27, 2016. Another Focus-List holding, Lam Research Corporation LRCX, which was added to the portfolio on December 5, 2016, has returned 42.5% over the past 12 weeks. The S&P 500 has advanced 2.1% 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.
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Zacks ECAP Stocks Fair Isaac & Thermo Fisher Significant Gains
Fair Isaac Corporation FICO, a component of our Earnings Certain Admiral Portfolio (ECAP), has jumped 26.3% over the past 12 weeks. Thermo Fisher Scientific Inc. TMO has followed Fair Isaac with 17.5% 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 Amgen and 3M Outperform Peers
Amgen Inc. AMGN, which is part of our Earnings Certain Dividend Portfolio (ECDP), has returned 14.9% over the past 12 weeks. Another ECDP stock, 3M Company MMM, has climbed 5.9% 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 Goldman Sachs Delivers Solid Returns
The Goldman Sachs Group, Inc. GS, from the Zacks Top 10 Stocks for 2025, has jumped 35.2% year to date compared with the S&P 500 Index’s 12.5% 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.
5 Stocks Set to Double
Each was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They include
Stock #1: A Disruptive Force with Notable Growth and Resilience
Stock #2: Bullish Signs Signaling to Buy the Dip
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Stock #4: Leader In a Red-Hot Industry Poised for Growth
Stock #5: Modern Omni-Channel Platform Coiled to Spring
Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.
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Beat the Market the Zacks Way: Goldman Sachs, Micron, Prelude in Focus

Key Points
Katamaran acquired 73,635 shares in Tower Semiconductor Ltd.
The market valued the holding at $5.32 million as of the time of the filing.
Katamaran Capital LLP disclosed a new position in Tower Semiconductor Ltd. (NASDAQ:TSEM).
What happened
According to a filing released by the U.S. Securities and Exchange Commission (SEC) on November 06, 2025, Katamaran Capital LLP initiated a new position in Tower Semiconductor Ltd. during the third quarter. The fund reported holding 73,635 shares with a market value of $5.32 million.
What else to know
The new position represents 4.86% of Katamaran Capital’s 13F assets under management as of Q3 2025
Top holdings after the filing:
NASDAQ: AMZN: $8.78 million (8.0% of AUM) as of Q3 2025
NYSE: SPOT: $8.65 million (7.9% of AUM) as of Q3 2025
NASDAQ: META: $7.66 million (7.0% of AUM) as of Q3 2025
NYSE: FICO: $7.07 million (6.5% of AUM) as of Q3 2025
NASDAQ: MSFT: $6.70 million (6.1% of AUM) as of Q3 2025
Katamaran Capital reported 27 equity positions totaling $109.62 million in U.S. equities as of September 30, 2025
Company Overview
Price (as of market close 2025-11-05)
$87.06
Market Capitalization
$9.76 billion
Revenue (TTM)
$1.51 billion
Net Income (TTM)
$195.46 million
Company Snapshot
Offers analog-intensive mixed-signal semiconductor devices, including SiGe, BiCMOS, CMOS image sensors, RF CMOS, power management, and MEMS technologies, as well as wafer fabrication services.
Operates as an independent foundry, generating revenue primarily through customizable process technologies and manufacturing services for integrated device manufacturers and fabless companies.
Serves a diversified customer base across consumer electronics, communications, automotive, industrial, aerospace, military, and medical device markets.
Tower Semiconductor Ltd. is a leading independent foundry specializing in analog and mixed-signal semiconductor manufacturing, with a global presence and a workforce of approximately 5,600 employees. The company leverages advanced process technologies to address the complex needs of high-growth sectors such as automotive, communications, and industrial electronics.
Foolish take
The recent purchase of Tower Semiconductor makes it Katamaran's eighth-largest position.
On the surface, the Tower position appears consistent with its investment approach. The London-based hedge fund has typically invested in tech, media, and telecommunications stocks. This includes the semiconductor industry, and purchasing Tower adds to its chip stock holdings.
Katamaran also owns Analog Devices, a direct competitor of Tower. Additionally, its chip stock holdings are more diverse as it also holds stock in chip giants Nvidia, AMD, and the leading foundry company, Taiwan Semiconductor (TSMC).
However, at a market cap of less than $10 billion, Tower is a considerably smaller company than Amazon or Meta Platforms, making it a standout in a fund made up primarily of large-cap stocks.
Moreover, investing 4.9% of the fund in Tower makes it the fund's largest chip industry holding. This is notable since analog chips like Tower play a critical support role in the function of the most advanced semiconductors.
Admittedly, it is unclear whether making such an investment in a comparatively smaller company will pay off for Katamaran. Nonetheless, Tower Semiconductor stock had risen by nearly 110% over the previous year, indicating it could play a significant role in driving returns for the hedge fund.
Glossary
13F reportable assets: Assets that institutional investment managers must disclose quarterly to the SEC if they exceed $100 million.
Assets under management (AUM): The total market value of investments managed by a fund or investment firm.
Independent foundry: A semiconductor manufacturing company that produces chips for other firms, not for its own branded products.
Analog-intensive mixed-signal: Semiconductor devices that process both analog and digital signals, often used in communications and sensor applications.
SiGe: Silicon-germanium, a semiconductor material used to improve performance in high-speed and radio-frequency devices.
BiCMOS: A technology combining bipolar and CMOS transistors on a single chip for enhanced speed and power efficiency.
CMOS image sensors: Devices that convert light into electronic signals, commonly used in cameras and imaging equipment.
RF CMOS: Radio-frequency CMOS, a technology for integrating radio-frequency circuits with standard CMOS processes.
MEMS: Microelectromechanical systems; tiny mechanical devices built onto semiconductor chips for sensing or actuation.
Fabless companies: Firms that design semiconductors but outsource manufacturing to foundries rather than owning fabrication facilities.
Wafer fabrication services: The process of manufacturing semiconductor devices on silicon wafers for clients.
TTM: The 12-month period ending with the most recent quarterly report.
Where to invest $1,000 right now
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Will Healy has positions in Advanced Micro Devices. The Motley Fool has positions in and recommends Advanced Micro Devices, Amazon, Meta Platforms, Microsoft, Nvidia, Spotify Technology, and Taiwan Semiconductor Manufacturing. The Motley Fool recommends Fair Isaac and recommends the following options: long January 2026 $395 calls on Microsoft and short January 2026 $405 calls on Microsoft. 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.

Katamaran Capital Loads Up on Tower Semiconductor Stock, Buying 74,000 Shares

Cognizant Technology Solutions CTSH is expanding its AI footprint through strategic acquisitions and a rich partner base. The company is now set to acquire 3Cloud, one of the largest independent Microsoft MSFT Azure service providers and a global leader in Azure-dedicated AI enablement solutions, a move that strengthens CTSH’s position as a reliable partner for enterprise AI readiness and digital transformation. The 3Cloud acquisition will add more than 1000 Azure experts and engineers and over 1,500 Microsoft certifications to Cognizant's capabilities.
The latest deal expands Cognizant’s Azure portfolio as well as clientele in banking and financial services, healthcare, technology, and consumer sectors, currently served by 3Cloud. 3Cloud has achieved a 20% organic CAGR since 2020, and it is expected to grow more than 20% this year, supported by strong demand for Microsoft Azure–driven business transformation. Microsoft’s Azure and other cloud services revenues jumped 39% year over year (up 35% in constant currency) in the fourth quarter of 2025.
Acquisitions have been shaping Cognizant’s growth trajectory. Over the trailing nine months of 2025, recent acquisitions added about 350 bps to revenue growth, which rose 7.6% year over year to $1.12 billion. CTSH anticipates that inorganic growth will add about 250 bps to its 2025 revenue growth, which is now expected to range from 6% to 6.3% in constant currency.
CTSH shares have appreciated 8.9% over the past month, outperforming the Zacks Computers – IT Services industry’s decline of 3% and the broader Zacks Computer and Technology sector’s deterioration of 0.6%.
Cognizant Technology Solutions Corporation Price and Consensus
Rich Partner Base, AI Investments to Aid CTSH’s Prospects
Cognizant’s expanding partner base, which includes the likes of Anthropic, Rubrik, Pearson and others, has been a key catalyst. The company is integrating Anthropic’s tools, including Claude for Enterprise, Claude Code, Model Context Protocol (“MCP”) and Agent SDK. This integration will help clients embed AI into their existing data and applications, enabling them to manage performance, risk, and spending more effectively.
In the third quarter of 2025, Cognizant inked six large deals with total control value (TCV) of $100 million or more, which brought the year-to-date total to 16. Cognizant’s operating margin (up 70 basis points year over year in the third quarter of 2025) is benefiting from disciplined spending as well as an increasingly AI-enabled delivery model. CTSH expects 2025 adjusted operating margin to be approximately 15.7%, indicating an increase of 40 basis points from the 2024 level.
AI-led productivity is driving digital transformation for enterprises. CTSH developers’ productivity improved in the third quarter of 2025, as roughly 30% of its internal code was AI-generated — a figure Cognizant expects to reach 50% in the years ahead. Cognizant has embedded AI across more than 150 use cases — from finance and operations to sales enablement and contract pricing — that streamline decision-making, improve accuracy, and accelerate cycle times.
Cognizant’s strong portfolio, strategic acquisitions and an expanding partner base are expected to drive top-line growth in the near term. The company expects fourth-quarter 2025 revenues to be between $5.27 billion and $5.33 billion, indicating growth of 3.8-4.8% on a reported basis and an increase of 2.5-3.5% at cc.
The Zacks Consensus Estimate for fourth-quarter 2025 revenues is pegged at $5.31 billion, indicating year-over-year growth of 4.43%. The consensus mark for earnings is pegged at $1.32 per share, which has increased a penny over the past 30 days. The figure implies a year-over-year increase of 9.09%.
Zacks Rank & Other Stocks to Consider
Cognizant currently has a Zacks Rank #2 (Buy).
A couple of other top-ranked stocks in the industry are Fair Isaac FICO and Vertiv VRT, both currently sporting a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for Fair Isaac’s first-quarter fiscal 2026 earnings is pegged at $7 per share, down 4 cents over the past 30 days, implying year-over-year growth of 20.9%. Fair Isaac shares have appreciated 7.4% over the past month.
The Zacks Consensus Estimate for Vertiv’s fourth-quarter 2025 earnings is pegged at $1.28 per share, up 4 cents over the past 30 days, indicating a year-over-year increase of 29.29%. Vertiv shares have declined 2.7% over the past month.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Can the 3Cloud Acquisition Push Cognizant Stock Higher in 2025?

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 54% 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.

Guru Fundamental Report for FICO - Martin Zweig

Cognizant Technology Solutions CTSH shares have rallied 9.8% over the past month compared with the broader Zacks Computer & Technology sector’s appreciation of 1.1%. The Zacks Computers-IT Services industry has declined 2.3% during the aforementioned period.
CTSH is benefiting from investments in AI, a strong clientele and an expanding partner base. In the third quarter of 2025, Cognizant inked six large deals with total control value (TCV) of $100 million or more, which brought the year-to-date total to 16. Cognizant’s operating margin (up 70 basis points year over year in the third quarter of 2025) is benefiting from disciplined spending as well as an increasingly AI-enabled delivery model. CTSH expects 2025 adjusted operating margin to be approximately 15.7%, indicating an increase of 40 basis points from the 2024 level.
Cognizant’s expanding partner base that includes the likes of Anthropic, Rubrik RBRK, Pearson and others has been a key catalyst. The company is integrating Anthropic’s tools, including Claude for Enterprise, Claude Code, Model Context Protocol (“MCP”) and Agent SDK. This integration will help clients embed AI into their existing data and applications, enabling them to manage performance, risk, and spending more effectively.
Cognizant and Rubrik announced an expanded partnership to provide Business Resilience-as-a-Service (BRaaS) for mutual customers, designed to help clients quickly recover from cyber incidents and ransomware attacks, without hurting critical business outcomes.
Cognizant Technology Solutions Corporation Price and Consensus
Expanding AI Ecosystem Bodes Well for CTSH’s Prospects
The Anthropic deal expands Cognizant’s AI ecosystem. CTSH plans to deploy Anthropic's cloud models and agentic tools with its own platforms to help clients scale AI. CTSH also plans to use claude to advance its own operations. The company’s AI builder strategy focuses on AI-led productivity, industrializing AI and agentifying the enterprise.
AI-led productivity is driving digital transformation for enterprises. CTSH’s developers’ productivity improved in the third quarter of 2025 as roughly 30% of its internal code was AI-generated, which Cognizant expects to reach 50% in the years ahead. Cognizant has embedded AI across more than 150 use cases from finance and operations to sales enablement and contract pricing that streamlines decision-making, improves accuracy and accelerates cycle times.
Cognizant’s Flowsource platform, which integrates generative and agentic AI across the full software development life cycle, is gaining traction, with more than 70 clients and 120 more in the pipeline. Pearson is one of the clients using Flowsource to modernize its learning platforms, products and applications.
CTSH Offers Positive Guidance
Cognizant’s strong portfolio, along with an expanding partner base, is expected to drive top-line growth in the near term. The company expects fourth-quarter 2025 revenues to be between $5.27 billion and $5.33 billion, indicating growth of 3.8-4.8% and an increase of 2.5-3.5% on a cc basis.
The Zacks Consensus Estimate for fourth-quarter 2025 revenues is pegged at $5.31 billion, indicating year-over-year growth of 4.43%. The consensus mark for earnings is pegged at $1.32 per share, which has increased a penny over the past 30 days. The figure implies a year-over-year increase of 9.09%.
CTSH expects 2025 revenues to be between $21.05 billion and $21.10 billion, indicating growth of 6.6-6.9% on a reported basis and 6-6.3% on a constant currency basis. The Zacks Consensus Estimate for 2025 revenues is pegged at $21.06 billion, indicating year-over-year growth of 6.70%. The consensus mark for 2025 earnings is pegged at $5.25 per share, which has increased a dime over the past 30 days. The figure implies a year-over-year increase of 10.53%.
Zacks Rank & Other Stocks to Consider
Cognizant currently has a Zacks Rank #2 (Buy).
A couple of other top-ranked stocks from the industry are Fair Isaac FICO and Vertiv VRT, each currently sporting a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
Long-term earnings growth rate for Fair Isaac and Vertiv is currently pegged at 26.8% and 29.96%, respectively. Shares of Fair Isaac and Vertiv have appreciated 6.4% and 4.9%, respectively, over the past month.
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Rubrik, Inc. (RBRK) : 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.

Cognizant Shares Ride on AI Deployment, Expanding Partner Base

Last Friday, the three most widely followed benchmark indexes closed a losing week. The tech-heavy Nasdaq, the S&P 500 and the Dow Jones slid 3%, 1.6% and 1.2%, respectively. For the Nasdaq, this was its sharpest weekly percentage drop in almost seven months.
A mix of political and macroeconomic concerns led to the decline in U.S. equity markets. The persistent government shutdown in Washington heightened uncertainty, delayed key economic indicators and dented consumer sentiment to its lowest level in years.
At the same time, investors grew wary of stretched valuations in technology stocks, particularly those aligned with artificial intelligence themes, prompting a broad tech sell-off that led to the Nasdaq’s underperformance.
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:
Ciena and GDEV Surge Following Zacks Rank Upgrade
Shares of Ciena Corporation CIEN have gained 67.5% (versus the S&P 500’s 3.4% increase) since it was upgraded to a Zacks Rank #1 (Strong Buy) on September 9.
Another stock, GDEV Inc. GDEV, which was also upgraded to a Rank #1 on September 10, has returned 41.5% (versus the S&P 500’s 3.1% 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).
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Zacks Recommendation Upgrades Advanced Energy and A-Mark
Shares of Advanced Energy Industries, Inc. AEIS and A-Mark Precious Metals, Inc. AMRK have surged 40% (versus the S&P 500’s 3.2% rise) and 5.2% (versus the S&P 500’s 2.9% rise), respectively, since their Zacks Recommendation was upgraded to Outperform on September 10 and September 11.
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 Micron, Lam Research Shoot Up
Shares of Micron Technology, Inc. MU, which belongs to the Zacks Focus List, have gained 112.7% over the past 12 weeks. The stock was added to the Focus List on December 27, 2016. Another Focus-List holding, Lam Research Corporation LRCX, which was added to the portfolio on December 5, 2016, has returned 60.7% over the past 12 weeks. The S&P 500 has advanced 6.1% 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.
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Zacks ECAP Stocks Fair Isaac & Thermo Fisher Significant Gains
Fair Isaac Corporation FICO, a component of our Earnings Certain Admiral Portfolio (ECAP), has jumped 30.5% over the past 12 weeks. Thermo Fisher Scientific Inc. TMO has followed Fair Isaac with 25.9% 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 Amgen and 3M Outperform Peers
Amgen Inc. AMGN, which is part of our Earnings Certain Dividend Portfolio (ECDP), has returned 12.5% over the past 12 weeks. Another ECDP stock, 3M Company MMM, has climbed 8.6% 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.
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Zacks Top 10 Stock Coherent Delivers Solid Returns
Coherent Corp. COHR, from the Zacks Top 10 Stocks for 2025, has jumped 63.1% year to date compared with the S&P 500 Index’s 14.6% 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.
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Each was handpicked by a Zacks expert as the favorite stock to gain +100% or more in the months ahead. They include
Stock #1: A Disruptive Force with Notable Growth and Resilience
Stock #2: Bullish Signs Signaling to Buy the Dip
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Stock #4: Leader In a Red-Hot Industry Poised for Growth
Stock #5: Modern Omni-Channel Platform Coiled to Spring
Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor. While not all picks can be winners, previous recommendations have soared +171%, +209% and +232%.
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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: Amgen, Ciena, Fair Isaac in Focus

Fair Isaac FICO reported fourth-quarter fiscal 2025 non-GAAP earnings of $7.74 per share, which surpassed the Zacks Consensus Estimate by 5.45% and jumped 18.3% year over year.
Revenues of $515.8 million beat the consensus mark by 0.78% and increased 13.6% year over year. The Americas, EMEA, and Asia Pacific contributed 87%, 8% and 5% to total revenues, respectively. Scores (60.4% of revenues) increased 25% year over year to $311.6 million.
FICO’s Top-Line Details
Software revenues, which include Fair Isaac’s analytics and digital decisioning technology, as well as associated professional services, declined 0.2% year over year to $204.2 million.
Software Annual Recurring Revenues (ARR) increased 4% year over year, consisting of 16% platform ARR growth but a 2% decline in non-platform ARR. Software Dollar-Based Net Retention Rate was 102% in the fiscal fourth quarter, with platform software at 112% and non-platform software at 97%. On-premises and SaaS Software (35.4% of revenues) increased 0.4% year over year to $182.4 million. Professional services (4.2% of revenues) were $21.8 million, down 4.8% year over year.
Fair Isaac Corporation Price, Consensus and EPS Surprise
Scores include FICO’s business-to-business (B2B) scoring solutions and business-to-consumer (B2C) scoring solutions. B2B revenues increased 29% year over year, driven primarily by higher unit prices and an increase in volume of mortgage originations. B2C revenues rose 8% year over year due to increased revenues from myFICO.com business and indirect channel partners.
Mortgage originations revenues rose 55% year over year. Auto originations revenues increased 24% year over year. Credit card, personal loan, and other origination revenues are up 7% year over year.
FICO’s Operating Details
Research and development expenses, as a percentage of revenues, expanded 10 basis points (bps) on a year-over-year basis to 9.9%.
Selling, general, and administrative expenses, as a percentage of revenues, decreased 270 bps year over year to 24.3%.
Non-GAAP Operating margin was 54% in the fiscal fourth quarter of 2025 compared with 52% in the year-ago quarter.
Adjusted EBITDA increased 18.3% year over year to $286.6 million in the reported quarter. The adjusted EBITDA margin in the fiscal fourth quarter of 2025 was 55.6% compared with 53.4% in the fiscal fourth quarter of 2024.
FICO’s Balance Sheet & Cash Flow
As of Sept. 30, 2025, FICO had $134 million in cash and cash equivalents, and total debt was $3.06 billion.
Cash flow from operations was $223.6 million in the fiscal fourth quarter compared with $286.2 million in the prior quarter. Free cash flow was $210.8 million for the reported quarter compared with $276.2 million reported in the prior quarter.
In the fiscal fourth quarter, FICO repurchased 358K shares.
FICO Reiterates Fiscal 2026 Guidance
For fiscal 2026, FICO anticipates revenues of $2.35 billion.
Non-GAAP earnings are projected to be $38.17 per share.
FICO’s Zacks Rank & Other Stocks to Consider
Currently, FICO sports a Zacks Rank #1 (Strong Buy).
Some other top-ranked stocks in the broader Zacks Computer and Technology sector are Analog Devices ADI, Constellation Software CNSWF, and Ceragon Networks CRNT, each carrying a Zacks Rank #2 (Buy) at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
Shares of Analog Devices have gained 11.1% year to date. Analog Devices is set to report fourth-quarter fiscal 2025 results on Nov. 25.
Shares of Constellation Software have lost 18.3% year to date. Constellation Software is slated to report third-quarter 2025 results on Nov. 11.
Shares of Ceragon Networks have lost 46.9% year to date. Ceragon Networks is set to report third-quarter 2025 results on Nov. 11.
Zacks' Research Chief Names "Stock Most Likely to Double"
Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.
This top pick is a little-known satellite-based communications firm. Space is projected to become a trillion dollar industry, and this company's customer base is growing fast. Analysts have forecasted a major revenue breakout in 2025. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Hims & Hers Health, which shot up +209%.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Fair Isaac Q4 Earnings Top Estimates, Strong Scores Drive Up Sales Y/Y

Investors eyeing a purchase of Fair Isaac Corp (Symbol: FICO) stock, but cautious about paying the going market price of $1763.46/share, might benefit from considering selling puts among the alternative strategies at their disposal. One interesting put contract in particular, is the January 2028 put at the $1100 strike, which has a bid at the time of this writing of $100.00. Collecting that bid as the premium represents a 9.1% return against the $1100 commitment, or a 4.1% annualized rate of return (at Stock Options Channel we call this the YieldBoost).
Selling a put does not give an investor access to FICO's upside potential the way owning shares would, because the put seller only ends up owning shares in the scenario where the contract is exercised. And the person on the other side of the contract would only benefit from exercising at the $1100 strike if doing so produced a better outcome than selling at the going market price. (Do options carry counterparty risk? This and six other common options myths debunked). So unless Fair Isaac Corp sees its shares decline 35.4% and the contract is exercised (resulting in a cost basis of $1000.00 per share before broker commissions, subtracting the $100.00 from $1100), the only upside to the put seller is from collecting that premium for the 4.1% annualized rate of return.
Below is a chart showing the trailing twelve month trading history for Fair Isaac Corp, and highlighting in green where the $1100 strike is located relative to that history:
The chart above, and the stock's historical volatility, can be a helpful guide in combination with fundamental analysis to judge whether selling the January 2028 put at the $1100 strike for the 4.1% annualized rate of return represents good reward for the risks. We calculate the trailing twelve month volatility for Fair Isaac Corp (considering the last 250 trading day closing values as well as today's price of $1763.46) to be 48%. For other put options contract ideas at the various different available expirations, visit the FICO Stock Options page of StockOptionsChannel.com.
Also see:
David Einhorn Stock Picks
Institutional Holders of SGU
Funds Holding AXON
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Index	Bulls	Bears
Confidence		—
Support		—
Cash flows		—

	S/L 5%RUB 1,734.54	S/L 10%RUB 1,643.25	S/L 15%RUB 1,551.96
Day	4.62%	0.00%	0.00%
Week	37.27%	6.71%	0.47%
Month	66.36%	37.16%	16.82%

Fair Isaac Corporation

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