FICO Provider Disrupts Credit Score Industry as Stock Prices Soar
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 02 2025
0mins
Source: CNBC
Fair Isaac's New Pricing Model: Fair Isaac, the creator of the FICO score, introduced a new pricing model allowing mortgage lenders to bypass credit bureaus and license FICO scores directly, leading to a 20% surge in its stock.
Impact on Credit Bureaus: The announcement negatively affected shares of credit bureaus Experian, TransUnion, and Equifax, which fell between 4% and 10%, as the new model could reduce their role in the credit scoring process.
Analyst Views on EFX
Wall Street analysts forecast EFX stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for EFX is 262.42 USD with a low forecast of 234.00 USD and a high forecast of 295.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
13 Analyst Rating
9 Buy
4 Hold
0 Sell
Moderate Buy
Current: 214.080
Low
234.00
Averages
262.42
High
295.00
Current: 214.080
Low
234.00
Averages
262.42
High
295.00
About EFX
Equifax Inc. is a global data, analytics, and technology company. The Company is engaged in helping financial institutions, companies, employers, and government agencies make critical decisions. The Company’s Workforce Solutions segment provides services enabling customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure and sanctions of people in the United States. The Company’s U.S. Information Solutions (USIS) segment provides consumer and commercial information solutions to businesses in the United States, including online information, decisioning technology solutions, identity management services, analytical services, e-commerce fraud and charge back protection services, portfolio management services, mortgage information and marketing services. The Company’s International segment provides products and services similar to those available in the USIS segment but with variations by geographic region.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
