Fair Isaac Option Alert: Aug 15 $1560 Puts Sweep (3) near the midpoint: 55 vs 4 OI; Earnings 7/30 After Close [est] 

Fair Isaac Option Alert: Aug 15 $1560 Puts Sweep (3) near the midpoint: 55 @ $101.73 vs 4 OI; Earnings 7/30 After Close [est] Ref=$1552.21

Fair Isaac Option Alert: Aug 15 $1580 Puts Sweep (3) near the midpoint: 55 vs 13 OI; Earnings 7/30 After Close [est] 

Fair Isaac Option Alert: Aug 15 $1580 Puts Sweep (3) near the midpoint: 55 @ $112.23 vs 13 OI; Earnings 7/30 After Close [est] Ref=$1552.21

Fair Isaac (NYSE:FICO) Azioni

FAIR ISAAC CORP

Fair Isaac

Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's US-centric credit scores business accounts for most of the firm's profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.

Fair Isaac Corp

WIIM

FICO

Fair Isaac shares are trading lower after FHFA director Pulte yesterday said Fannie and Freddie will allow lenders to use Vantage 4.0 Score with no current requirement to build new infrastructure. Multiple analysts lowered their price targets on the stock.

High-rolling investors have positioned themselves bearish on Fair Isaac (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>), and it's important for retail traders to take note. 
\This activity came to our attention today through Benzinga's tracking of publicly available options data. The identities of these investors are uncertain, but such a significant move in FICO often signals that someone has privileged information.
Today, Benzinga's options scanner spotted 12 options trades for Fair Isaac. This is not a typical pattern.
The sentiment among these major traders is split, with 33% bullish and 50% bearish. Among all the options we identified, there was one put, amounting to $37,000, and 11 calls, totaling $441,450.
<h3>Projected Price Targets</h3>
Based on the trading activity, it appears that the significant investors are aiming for a price territory stretching from $1000.0 to $2030.0 for Fair Isaac over the recent three months. 
<h3>Volume &amp; Open Interest Trends</h3>
Examining the volume and open interest provides crucial insights into stock research. This information is key in gauging liquidity and interest levels for Fair Isaac's options at certain strike prices. Below, we present a snapshot of the trends in volume and open interest for calls and puts across Fair Isaac's significant trades, within a strike price range of $1000.0 to $2030.0, over the past month.
<h3>Fair Isaac Call and Put Volume: 30-Day Overview</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1752076838_0.png" alt="Options Call Chart" />
<h3>Significant Options Trades Detected:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th align="right">Open Interest</th>
<th align="right">Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>FICO</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>08/15/25</td>
<td>$696.0</td>
<td>$678.6</td>
<td>$685.0</td>
<td>$1000.00</td>
<td>$68.5K</td>
<td align="right">0</td>
<td align="right">2</td>
</tr>
<tr>
<td>FICO</td>
<td>CALL</td>
<td>TRADE</td>
<td>NEUTRAL</td>
<td>08/15/25</td>
<td>$634.0</td>
<td>$617.9</td>
<td>$625.0</td>
<td>$1000.00</td>
<td>$62.5K</td>
<td align="right">0</td>
<td align="right">3</td>
</tr>
<tr>
<td>FICO</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>07/18/25</td>
<td>$100.4</td>
<td>$94.0</td>
<td>$94.0</td>
<td>$1580.00</td>
<td>$47.0K</td>
<td align="right">10</td>
<td align="right">15</td>
</tr>
<tr>
<td>FICO</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>12/19/25</td>
<td>$206.0</td>
<td>$200.0</td>
<td>$200.0</td>
<td>$1620.00</td>
<td>$40.0K</td>
<td align="right">4</td>
<td align="right">2</td>
</tr>
<tr>
<td>FICO</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>06/18/26</td>
<td>$397.9</td>
<td>$393.0</td>
<td>$393.0</td>
<td>$1500.00</td>
<td>$39.3K</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
</tbody>
</table>

<h3>About Fair Isaac</h3>
Founded in 1956, Fair Isaac Corporation is a leading applied analytics company. Fair Isaac is primarily known for its FICO credit scores, which is a widely used industry benchmark to determine the creditworthiness of an individual consumer. The firm's US-centric credit scores business accounts for most of the firm's profits and consists of business-to-business and business-to-consumer services. In addition to scores, Fair Isaac also sells software primarily to financial institutions for areas such as analytics, decision-making, customer workflows, and fraud.
Having examined the options trading patterns of Fair Isaac, our attention now turns directly to the company. This shift allows us to delve into its present market position and performance
<h3>Fair Isaac's Current Market Status</h3>
<ul>
<li>Currently trading with a volume of 264,088, the FICO's price is down by -5.11%, now at $1616.13. </li>
<li>RSI readings suggest the stock is currently may be approaching oversold.</li>
<li>Anticipated earnings release is in 21 days.</li>
</ul>
<h3>Expert Opinions on Fair Isaac</h3>
In the last month, 5 experts released ratings on this stock with an average target price of $2350.0.
Turn $1000 into $1270 in just 20 days?
20-year pro options trader reveals his one-line chart technique that shows when to buy and sell. Copy his trades, which have had averaged a 27% profit every 20 days. <a href="https://www.benzinga.com/premium/ideas/options-moneyline-2/?t=Moop1arja3be22op14&amp;adType=benzinga-insights&amp;ad=options-activity&amp;campaign=wallstreetadvantage">Click here for access</a>. 
&#x2A; Consistent in their evaluation, an analyst from Barclays keeps a Overweight rating on Fair Isaac with a target price of $2000. 
&#x2A; Maintaining their stance, an analyst from Wells Fargo continues to hold a Overweight rating for Fair Isaac, targeting a price of $2300. 
&#x2A; An analyst from Needham has revised its rating downward to Buy, adjusting the price target to $2575. 
&#x2A; An analyst from Needham has revised its rating downward to Buy, adjusting the price target to $2575. 
&#x2A; Maintaining their stance, an analyst from Oppenheimer continues to hold a Outperform rating for Fair Isaac, targeting a price of $2300. 
Trading options involves greater risks but also offers the potential for higher profits. Savvy traders mitigate these risks through ongoing education, strategic trade adjustments, utilizing various indicators, and staying attuned to market dynamics. Keep up with the latest options trades for Fair Isaac with <a href="https://www.benzinga.com/pro/">Benzinga Pro</a> for real-time alerts.

Options

Markets

A Closer Look at Fair Isaac's Options Market Dynamics

Barclays analyst Manav Patnaik maintains Fair Isaac (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) with a Overweight and lowers the price target from $2250 to $2000.

News

Price Target

Analyst Ratings

Barclays Maintains Overweight on Fair Isaac, Lowers Price Target to $2000

Wells Fargo analyst Jason Haas maintains Fair Isaac (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) with a Overweight and lowers the price target from $2600 to $2300.

Wells Fargo Maintains Overweight on Fair Isaac, Lowers Price Target to $2300

<a href="https://x.com/pulte/status/1942665475516674342" title="https://x.com/pulte/status/1942665475516674342">https://x.com/pulte/status/1942665475516674342</a>

U.S. Director of Federal Housing Pulte Posts On X "We will be incentivizing lenders, who USE both Vantage 4.0 and FICO, with better pricing - anything to help the consumer."

U.S. stocks were little changed on Tuesday as investors stayed cautious following a series of letters from the White House to major trading partners, <a href="https://www.benzinga.com/topic/tariffs">outlining sweeping new tariffs. </a>
The real market action unfolded in commodities, with copper surging 10% after President Donald Trump announced a 50% tariff on copper imports starting today.
The industrial metal jumped to $5.52 per pound, hitting a new all-time high and marking its biggest one-day gain since October 2008.
During a Cabinet meeting, Trump stated: "Some letters are at a 60%, 70% rate.&#8221; He said to be announcing new tariff measures on pharmaceuticals — possibly a 200% tariff.
He added that trade relations with China have been "very fair" recently, noting a strong working relationship.
While Trump reiterated openness to trade negotiations, he emphasized that the U.S. will not extend the August deadline for reciprocal tariffs to take effect.
Commenting on the European Union, Trump said: "The EU has been speaking to us. President von der Leyen has been very nice lately, but they've treated us badly until recently. We're probably two days away from sending the EU letter. A letter is a deal."
At 1:40 p.m. ET, the S&amp;P 500 was flat at 6,220, the Nasdaq 100 gained 0.1% to 22,710, while small caps led the way with the Russell 2000 rising 0.9%.
Energy stocks outperformed as oil prices climbed 1.4% for a second straight session, topping $68 — a two-week high.
Treasury yields also moved higher, with the 10-year rising five basis points to 4.43% and the 30-year yield climbing to 4.96%.
The U.S. dollar remained steady, while gold fell 0.8% to $3,308 per ounce. Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) traded around $109,125.
<h1 class="wp-block-heading">Tuesday&#8217;s Performance In Major U.S. Indices, ETFs</h1>
<figure class="wp-block-table is-style-stripes"> 
<table class="has-fixed-layout">
<tbody>
<tr>
<td>Major Indices</td>
<td>Price</td>
<td>% change</td>
</tr>
<tr>
<td>Russell 2000</td>
<td>2,233.89</td>
<td>0.9%</td>
</tr>
<tr>
<td>Nasdaq 100</td>
<td>22,710.77</td>
<td>0.1%</td>
</tr>
<tr>
<td>S&amp;P 500</td>
<td>6,229.74</td>
<td>0.0%</td>
</tr>
<tr>
<td>Dow Jones</td>
<td>44,254.05</td>
<td>-0.3%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated by 1:45 p.m. ET</figcaption></figure>
According to&nbsp;<a href="https://www.benzinga.com/pro/?utm_source=BZprocontent&amp;t=be2bearmibe3na1">Benzinga Pro</a>&nbsp;data:
<ul class="wp-block-list">
<li>The&nbsp;Vanguard S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VOO#NYSE">VOO</a>) flattened at $570.48.</li>
<li>The&nbsp;SPDR Dow Jones Industrial Average&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIA#NYSE">DIA</a>) inched 0.3% lower to $442.54.</li>
<li>The tech-heavy&nbsp;Invesco QQQ Trust Series&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>)&nbsp;eased 0.1% to $533.50.</li>
<li>The&nbsp;iShares Russell 2000 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IWM#NYSE">IWM</a>) rose 0.9% to $221.73.</li>
<li>The Energy Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLE#NYSE">XLE</a>) outperformed, up 2.8%; the Utilities Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLU#NYSE">XLU</a>) lagged, down 1.3%.</li>
</ul>
<h1 class="wp-block-heading">Tuesday&#8217;s Stock Movers</h1>
<ul class="wp-block-list">
<li>Sunrun Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RUN#NASDAQ">RUN</a>) dropped 12%, while Enphase Energy Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ENPH#NASDAQ">ENPH</a>) fell 4.5% and First Solar Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSLR#NASDAQ">FSLR</a>) declined 6% after President Trump signed an order slashing tax credits for wind and solar energy.</li>
<li>Freeport-McMoRan Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FCX#NYSE">FCX</a>) jumped 4.4%, benefiting from a sharp spike in copper prices following the newly announced tariffs.</li>
<li>Fair Isaac Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) sank 15% after Bill Pulte, director of the Federal Housing Finance Agency, announced Fannie Mae and Freddie Mac will now allow lenders to adopt the VantageScore 4.0 credit scoring model.</li>
<li>Intel Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INTC#NASDAQ">INTC</a>) rallied 7.5% after Citigroup raised its price target on the stock from $21 to $24.</li>
<li>JPMorgan Chase &amp; Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>) declined 3.5% — its worst session since April — after HSBC downgraded the bank from Hold to Reduce and lifted its price target from $237 to $259.</li>
<li>Datadog Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DDOG#NASDAQ">DDOG</a>) fell 4.3% to $145.81 after Guggenheim downgraded the stock from Neutral to Sell, setting a price target of $105.</li>
<li>Devon Energy Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DVN#NYSE">DVN</a>) surged 7.4% after JPMorgan increased its price target from $40 to $42 while maintaining a Neutral rating.</li>
<li>Other oil and gas majors advanced amid rising crude prices: Exxon Mobil Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XOM#NYSE">XOM</a>) <a href="https://www.benzinga.com/etfs/sector-etfs/25/07/46304047/energy-etfs-in-focus-after-exxon-flags-1-5-billion-profit-hit">rose</a> 2.8%, Chevron Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVX#NYSE">CVX</a>) gained 3.5%, and ConocoPhillips (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COP#NYSE">COP</a>) climbed 4.3%. 


</li>
</ul>
Read Now:
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/trading-ideas/long-ideas/25/07/46296421/goldman-sachs-raises-sp500-forecast-6900">S&amp;P 500 Near 7,000? Inside Goldman&#8217;s New Gravity-Defying Forecast</a></li>
</ul>
Photo: TimBrew via Shutterstock

Equities

Government

Large Cap

Macro Economic Events

Regulations

Broad U.S. Equity ETFs

Commodities

Global

Econ #s

Economics

Trading Ideas

ETFs

$BTC

DDOG

SPDR Dow Jones Industrial Average ETF Trust

ENPH

FSLR

INTC

Copper Rallies To Record Highs After Trump's 50% Tariff Bombshell: What's Moving Markets Tuesday?

Oppenheimer analyst Owen Lau maintains Fair Isaac (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) with a Outperform and raises the price target from $2293 to $2300.

Oppenheimer Maintains Outperform on Fair Isaac, Raises Price Target to $2300

<h3>Gainers</h3>
<ul>
<li>BTCS (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BTCS#NASDAQ">BTCS</a>) shares increased by 76.1% to $4.93 during Tuesday's regular session. The market value of their outstanding shares is at $59.0 million. </li>
<li>Sequans Communications (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SQNS#NYSE">SQNS</a>) shares rose 71.32% to $2.45. The company's market cap stands at $36.4 million. </li>
<li>Optical Cable (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OCC#NASDAQ">OCC</a>) shares moved upwards by 35.35% to $4.9. The company's market cap stands at $29.6 million. </li>
<li>Zepp Health (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ZEPP#NYSE">ZEPP</a>) shares increased by 33.62% to $4.65. The company's market cap stands at $208.7 million. </li>
<li>Thumzup Media (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TZUP#NASDAQ">TZUP</a>) stock increased by 21.07% to $12.35. The company's market cap stands at $96.9 million. </li>
<li>Soluna Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLNH#NASDAQ">SLNH</a>) shares increased by 18.73% to $0.81. The company's market cap stands at $12.3 million. </li>
</ul>
<h3>Losers</h3>
<ul>
<li>Fair Isaac (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) stock declined by 17.3% to $1546.79 during Tuesday's regular session. The company's market cap stands at $45.5 billion. </li>
<li>Bit Origin (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BTOG#NASDAQ">BTOG</a>) shares fell 13.56% to $0.22. The market value of their outstanding shares is at $15.0 million. </li>
<li>T Stamp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/IDAI#NASDAQ">IDAI</a>) stock fell 13.4% to $3.04. The market value of their outstanding shares is at $8.7 million. </li>
<li>Saverone 2014 (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SVRE#NASDAQ">SVRE</a>) stock decreased by 12.63% to $2.56. The company's market cap stands at $1.3 million. </li>
<li>CID Holdco (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DAIC#NASDAQ">DAIC</a>) shares decreased by 11.66% to $5.72. The company's market cap stands at $179.0 million. </li>
<li>Aeva Technologies (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AEVA#NASDAQ">AEVA</a>) stock declined by 11.58% to $29.73. The market value of their outstanding shares is at $1.8 billion. 
See Also: <a href="http://www.benzinga.com/money/tech-stocks/" title="www.benzinga.com/money/tech-stocks/">www.benzinga.com/money/tech-stocks/</a></li>
</ul>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Movers

AEVA

BTCS

BTOG

DAIC

IDAI

SLNH

SQNS

SVRE

TZUP

ZEPP

12 Information Technology Stocks Moving In Tuesday's Intraday Session

Fair Isaac shares are trading lower after FHFA director Pulte said Fannie and Freddie will allow lenders to use Vantage 4.0 Score with no current requirement to build new infrastructure.

<a href="https://x.com/pulte/status/1942589271702962447" title="https://x.com/pulte/status/1942589271702962447">https://x.com/pulte/status/1942589271702962447</a>

FMCC

FNMA

U.S. Director of Federal Housing Pulte Posts On X "Effective today, to increase competition to the Credit Score Ecosystem and consistent with President Trump's landslide mandate to lower costs, Fannie and Freddie will ALLOW lenders to use Vantage 4.0 Score with no current requirement to build new infrastructure (stays Tri Merge)."

Fair Isaac's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) short percent of float has risen 10.16% since its last report. The company recently reported that it has 868 thousand shares sold short, which is 4.77% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.84 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>Fair Isaac Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1751914880_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Fair Isaac has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing Fair Isaac's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, Fair Isaac's peer group average for short interest as a percentage of float is 2.91%, which means the company has more short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

How Do Investors Really Feel About Fair Isaac?

Shares of credit bureau companies are trading lower after U.S. Director of Federal Housing FHFA Bill Pulte said "We are doing a full scale review of all credit bureaus."

<a href="https://x.com/pulte/status/1938659666885779503" rel="noopener noreferrer" target="_blank">https://x.com/pulte/status/1938659666885779503</a>
&nbsp;
<a href="https://x.com/pulte/status/1938659896024551438" title="https://x.com/pulte/status/1938659896024551438">https://x.com/pulte/status/1938659896024551438</a>

Politics

General

U.S. Director of Federal Housing FHFA Bill Pulte Posts On X "We are doing a full scale review of all credit bureaus.", On High Interest Rates Says "It's not just people's mortgages. It's car loans, credit cards, etc. These decisions have real impacts on real people."

Once a symbol of financial catastrophe, subprime consumers are now showing signs of resilience and spending power that defy economic uncertainties, according to Goldman Sachs, with the bank highlighting several investment opportunities tied to <a href="https://www.benzinga.com/analyst-ratings/analyst-color">the lower-income group. </a>
In a note issued Wednesday, Goldman Sachs analysts led by George K. Tong said U.S. subprime consumers—typically defined as individuals with credit scores below 660—are holding up better than expected despite economic headwinds such as tariffs, inflation and high interest rates.
<h3 class="wp-block-heading">US Subprime Consumers Are Stronger Than You Think</h3>
"Our call is that subprime consumers are, and will remain, resilient, with positive spending growth and improving delinquency trends despite economic uncertainty," Tong said.
Consumer wealth in the bottom income quintile rose 7% year-over-year through May 2025. The labor market remains reasonably healthy, with unemployment at 4.2% in May, while debt service payments as a share of disposable income came in at 11.3%, below the 45-year average of 11.9%.
Household debt stood at 61% of nominal GDP in 2024, the lowest level since late 1999 and significantly under the 20-year average of 70%, suggesting consumers remain financially unburdened.
Goldman said subprime borrowers are actively adjusting their financial behavior by shifting away from discretionary and high-cost items, instead prioritizing essential purchases such as groceries, household goods and lower-cost alternatives. 
This disciplined approach to spending reflects a prudent response to economic uncertainty—not distress.
<h3 class="wp-block-heading">Subprime Credit Metrics Show Positive Signs</h3>
Recent data shows a broad improvement in credit health across cards, auto loans and personal loans, suggesting that subprime consumers are stabilizing their financial positions. 
Thirty-plus day card delinquencies among lower-income borrowers fell 0.23% year-over-year in the first quarter of 2025 to 4.5%, marking a key reversal after a prolonged period of rising late payments. 
Deep subprime 60-plus day card delinquencies declined to 25.46% in May 2025, down from 27.42% a year earlier, the first sustained drop since late 2022.
In the auto segment, 60-plus day delinquencies among deep subprime borrowers slipped to 7.75% in May, now falling below the five-year average of 7.80%. This marks a turning point after nearly two years of worsening trends. 
Similarly, deep subprime personal loan delinquencies fell from 15.27% to 14.25% in May, extending the string of year-over-year improvements that began in mid-2024. 
Mortgages remain the only category showing slight deterioration, with deep subprime 90-plus day delinquencies rising to 12.92% in May, up from 11.59% a year ago, slightly above the five-year average of 12.88%. 
Yet, the investment bank notes that overall mortgage delinquency remains exceptionally low at just 0.7% of outstanding balances, reflecting the relative health of the broader housing market.
<h3 class="wp-block-heading">Subprime Crisis? Not This Time – 8 Stocks To Watch</h3>
Goldman Sachs recommends eight stocks across various sectors that are well-positioned to benefit from this subprime resurgence:
<ol class="wp-block-list">
<li>Fair Isaac Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NASDAQ">FICO</a>) – Buy-rated, $2,244 price target With improving delinquency trends, FICO could see a pickup in credit originations and score inquiries.</li>
<li>Dollar Tree Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DLTR#NASDAQ">DLTR</a>) – Buy-rated, $94 PT Budget-focused consumers are helping drive growth, especially as DLTR boosts operational efficiency.</li>
<li>Philip Morris International Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PM#NYSE">PM</a>) – Buy-rated, $190 PT Steady demand for non-discretionary tobacco and ZYN products fuels growth, even in low-income segments.</li>
<li>Monster Beverage Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MNST#NASDAQ">MNST</a>) – Buy-rated, $72 PT Energy drinks remain an affordable indulgence for subprime consumers, supporting revenue and margin expansion.</li>
<li>Affirm Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>) – Buy-rated, $58 PT As a leading Buy Now, Pay Later provider, AFRM is gaining from better credit and growing demand.</li>
<li>Block Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SQ#NYSE">SQ</a>) – Buy-rated, $57 PT Block's Cash App and lending business is rebounding, supported by subprime borrower stability.</li>
<li>Capital One Financial Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>) – Buy-rated, $242 PT Credit card and auto segments are seeing improving delinquency trends and potential reserve releases.</li>
<li>Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) – Buy-rated, $70 PT With 28% of loans to subprime consumers, SYF is poised to benefit from improving net charge-off and delinquency data.</li>
</ol>
Read now:
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<li><a href="https://www.benzinga.com/markets/tech/25/06/46096528/nasdaq-100-record-highs-rally-historical-performance">Nasdaq 100 Hits Record Highs After 30% Rally: History Suggests It&#8217;s Not Done Yet</a></li>
</ul>
Photo: Shutterstock

Analyst Color

Mid Cap

AFRM

DLTR

MNST

Subprime Was A Trainwreck In 2008―Now It's A Sweet Spot, Says Goldman Sachs

Fair Isaac (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) has outperformed the market over the past 15 years by 22.18% on an annualized basis producing an average annual return of 34.77%. Currently, Fair Isaac has a market capitalization of $46.89 billion. 
Buying $100 In FICO: If an investor had bought $100 of FICO stock 15 years ago, it would be worth $8,892.73 today based on a price of $1926.52 for FICO at the time of writing.
<h3>Fair Isaac's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1750863883_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Here's How Much You Would Have Made Owning Fair Isaac Stock In The Last 15 Years

Fair Isaac Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) on Monday <a href="https://www.benzinga.com/pressreleases/25/06/b46049134/fico-unveils-groundbreaking-credit-scores-that-incorporate-buy-now-pay-later-data" target="_blank" rel="noreferrer noopener">announced the launch</a> of FICO Score 10 BNPL and FICO Score 10 T BNPL to incorporate Buy Now, Pay Later (BNPL) data.
The scores give lenders greater visibility into consumers&#8217; repayment behaviors, enabling a more comprehensive view of their credit readiness and ultimately improving the lending experience.
FICO Score&nbsp;10 BNPL and FICO Score 10 T BNPL were developed to harness the benefits offered by incorporating consumers&#8217; BNPL data into calculations.
Also Read: <a href="https://www.benzinga.com/markets/equities/24/06/39372969/apple-revises-payment-options-reportedly-ends-buy-now-pay-later-service" target="_blank" rel="noreferrer noopener">Apple Revises Payment Options, Reportedly Ends &#8216;Buy Now, Pay Later&#8217; Service</a>
This treatment has proven effective at capturing predictive signals from including BNPL data while increasing FICO Scores for some BNPL borrowers.
In developing these new scores, FICO sought input from many of the largest lenders in the U.S. FICO Score 10 BNPL and FICO Score 10 T BNPL will likely be available in Fall 2025.
A growing share of Americans are using BNPL loans for electronics, clothing, and food. According to a recent LendingTree&nbsp;survey, 25% of BNPL users reported using the loans to pay for groceries, up from just 14% in 2024 and 21% in 2023.
Many consumers <a target="_blank" href="https://www.benzinga.com/25/05/45139105/more-americans-are-using-buy-now-pay-later-loans-to-pay-for-groceries-and-falling-behind" rel="noreferrer noopener">don&#8217;t fully understand</a> how BNPL loans affect their credit, and many incorrectly assume that making on-time payments helps improve their credit score.
Last December, Affirm Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>) <a target="_blank" href="https://www.benzinga.com/tech/24/12/42486903/affirm-secures-4-billion-loan-deal-with-sixth-street-to-boost-bnpl-growth" rel="noreferrer noopener">raised $4 billion</a> from Sixth Street to scale BNPL loans. This provided additional off-balance sheet funding, allowing Affirm to extend more than $20 billion in loans over the next three years.
Price Action: FICO stock is trading up by 2.30% to $1,846.30 at last check Monday.
Read Next:
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</ul>
Image via Shutterstock

Tech

Fair Isaac Adds Buy Now, Pay Later Data To Credit Scores, Offering Lenders A Clearer Picture

Needham analyst Kyle Peterson reiterates Fair Isaac (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) with a Buy and maintains $2575 price target.

Reiteration

Needham Reiterates Buy on Fair Isaac, Maintains $2575 Price Target

Global analytics leader, FICO (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>), today announced that its Board of Directors has approved a stock repurchase program to acquire up to $1 billion of the company's outstanding common stock. This new program was approved following completion of FICO's previous stock repurchase program, which was in effect from July 2024 until adoption of the new program in June 2025. The new stock repurchase program, which is open-ended, allows the company to repurchase its shares from time to time in the open market and in negotiated transactions.

Buybacks

FICO Approves New $1B Stock Buyback Plan After Completing Previous Repurchase Program

Fair Isaac's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) short percent of float has risen 15.47% since its last report. The company recently reported that it has 788 thousand shares sold short, which is 4.33% of all regular shares that are available for trading. Based on its trading volume, it would take traders 1.43 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>Fair Isaac Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1750258829_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for Fair Isaac has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing Fair Isaac's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, Fair Isaac's peer group average for short interest as a percentage of float is 2.78%, which means the company has more short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Peering Into Fair Isaac's Recent Short Interest

Fair Isaac (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>) has outperformed the market over the past 5 years by 19.18% on an annualized basis producing an average annual return of 33.3%. Currently, Fair Isaac has a market capitalization of $43.89 billion. 
Buying $100 In FICO: If an investor had bought $100 of FICO stock 5 years ago, it would be worth $427.36 today based on a price of $1803.05 for FICO at the time of writing.
<h3>Fair Isaac's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1750171512_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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Unusual Options Activity for

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BENZINGA NEL MONDO

Date	Put/Call	Strike Price	Exp Date	DTE	Trade Vol	Day Vol	Vol / OI	OI	Trade Type	Sentiment
12:47 PMJul 08, 2025	PUT	$1560.00	Aug 15, 2025	35	92	55	2300	4	SWEEP	NEUTRAL
12:47 PMJul 08, 2025	PUT	$1580.00	Aug 15, 2025	35	83	55	638	13	SWEEP	NEUTRAL