NEW YORK, December 31, 2025, 15:39 ET — Regular session.
- Fair Isaac (FICO) shares fell about 3.8% in afternoon trading, underperforming credit-data peers.
- The move comes in holiday-thin markets, where year-end portfolio shifts can amplify swings.
- Investors are looking ahead to the company’s next results and to early-2026 rate signals.
Shares of Fair Isaac Corp (FICO) fell 3.8% to $1,680.01 on Wednesday afternoon, extending a year-end slide for the credit-scoring and analytics firm.
The drop matters now because trading has thinned into the final session of the year, when portfolio rebalancing and tax-driven selling can move single stocks quickly. Liquidity — the ability to buy and sell without pushing prices sharply — is typically at its weakest around holiday weeks.
Broader U.S. stocks were slightly lower in choppy trade, with technology shares slipping, as investors headed into a New Year’s Day market holiday. “It’s perfectly fine in any bull market to have moments of cost,” said Giuseppe Sette, co-founder and president of Reflexivity, pointing to profit-taking when liquidity is low. Reuters
Fair Isaac ended Tuesday down 1.46% at $1,745.75, snapping a three-day winning streak, according to MarketWatch data. The stock is about 21% below its 52-week high of $2,217.60 set on May 19.
Credit-data peers also fell on Wednesday, though by less: Equifax was down about 1.5% and TransUnion slipped about 1.5% in afternoon trading.
Fair Isaac, based in Bozeman, Montana, sells the FICO credit score used by lenders to assess consumer risk, and decision software that helps banks and merchants automate lending and fraud choices.
That business mix has kept investor focus on how the mortgage channel evolves, where score pricing and distribution are under scrutiny as lenders modernize credit models. In October, FICO unveiled a plan to sell scores directly to mortgage lenders and resellers, bypassing the three nationwide credit bureaus, Reuters reported.
On Wednesday, the stock traded as low as $1,679.16 after opening at $1,740.01. Volume was about 116,000 shares by mid-afternoon, a light pace for the stock.
Traders will be watching whether more normal liquidity returns when markets reopen after the New Year’s Day holiday. In thin markets, short-term flows can dominate fundamentals.
Beyond the calendar, investors are focused on what Fair Isaac says next about demand for scores tied to consumer credit activity and growth in its software platform, where subscription momentum has been a key narrative for the stock.
