<ul>
<li>3 只通过大规模回购发出强烈信号的股票</li>
</ul>
<p>Fair Isaac（纽约证券交易所代码：FICO）的高管在一次会议上为公司的抵押贷款评分地位、资本配置策略和软件增长前景进行了辩护，会议上出席的有总裁兼首席执行官 William J. Lansing 和执行副总裁兼首席财务官 Steven Weber。</p>
<p>Lansing 表示，过去 15 个月公司股票受到压力，他将其主要归因于华盛顿对抵押贷款业务的政治审查的担忧。他表示，Fair Isaac 仍然致力于回购股票，并将公司形容为 “有点像缓慢发展的杠杆收购”。</p>
<ul>
<li>MarketBeat 周回顾 – 10/13 - 10/17</li>
</ul>
<p>他指出，Fair Isaac 在他加入董事会时有 7400 万股流通股，2012 年他成为首席执行官时有 3000 万股，而现在大约有 2300 万股。Lansing 表示，公司利用现金流回购股票，并将杠杆管理在大约两到三倍的范围内。</p>
<p>“业务变得越来越强大，” Lansing 说，并补充管理层对股票交易的现状 “有点惊讶”。</p>
<h2>高管概述长期财务框架</h2>
<ul>
<li>FICO 的大幅下跌可能是今年最佳买入机会</li>
</ul>
<p>Weber 表示，Fair Isaac 尚未发布长期数字目标，但描述了公司基于历史表现的内部规划框架。他表示，管理层通常目标是实现 “至少十几” 的收入增长，这可能支持超过 20% 的净收入增长和利润率扩张。他说，受回购推动的每股收益增长有时可以超过 30%。</p>
<p>“粗略地说，这就是我们一直以来的看法，” Weber 说。</p>
<h2>抵押贷款评分审查仍然是核心问题</h2>
<p>讨论的重点主要集中在抵押贷款信用评分及 VantageScore 进入合规抵押贷款市场的潜在影响上。Lansing 表示，Fair Isaac 在抵押贷款之外与 VantageScore 竞争已有 20 多年，并认为 VantageScore 在这些市场中并未获得有意义的付费市场份额。</p>
<p>他表示，FICO Score 10T 的预测能力比 VantageScore 4 高出 8%，并且能够为 5% 的借款人提供资格，引用了 Fair Isaac 的分析和 Milliman 的一项独立研究。Lansing 鼓励投资者阅读 FICO 和 Milliman 的技术白皮书。</p>
<p>Lansing 还表示，价格不太可能成为贷款人切换的原因，因为 Fair Isaac 通过其直接许可计划推出了 0.99 美元的抵押贷款评分选项，与讨论中提到的 VantageScore 价格相匹配。他表示，使用这两种评分的剩余潜在激励将是通过向房利美或房地美呈现更好的两种评分来 “游戏” 系统。</p>
<p>然而，Lansing 表示，这种策略不会减少 FICO 的使用量，因为贷款人仍然需要提取 FICO 评分以便与其他评分进行比较。他表示，这种游戏的可寻址市场 “不到 10%”，引用了包括贷款价值比低于 80% 的规则，以及在将 VantageScore 放入基于 FICO 的贷款级别价格调整网格之前减去 20 分的方法。</p>
<h2>直接许可计划预计很快推出</h2>
<p>Lansing 表示，Fair Isaac 的直接许可计划预计将在 “下个月” 准备就绪，待政府赞助企业的认证。他表示，GSE 和 FHFA 主任对此表示支持，但时间取决于认证。</p>
<p>当被问及新绩效模型的可能采用时，Lansing 表示 “需求很大”，并且它可以在一年内 “轻松” 达到市场的一半。他表示，绩效模型将通过直接许可计划通过三合一转售商提供，而这些转售商占据了抵押贷款评分购买的 “绝大部分”。</p>
<p>Lansing 表示，FHFA 主任了解定价结构并 “支持” 它。他还表示，关于 21 家贷款人测试 VantageScore 的试点项目的信息有限，因为参与者受保密协议的约束。</p>
<p>关于 FICO Score 10T 的采用，Lansing 表示，该评分在非合规抵押贷款市场的采用速度相当快。他承认，在合规市场中存在显著的惯性，系统仍然围绕经典 FICO 构建。尽管如此，他表示，FICO Score 10T 在架构上与早期的 FICO 模型更为相似，而不是 VantageScore 4，尽管由于使用了趋势数据，它并不完全向后兼容。</p>
<h2>定价策略超越抵押贷款</h2>
<p>Lansing 表示，Fair Isaac 在过去十年中提高了抵押贷款评分价格，此前大约 30 年没有价格上涨，但他认为该产品相对于整体抵押贷款成交成本仍然便宜。他表示，公司正在努力将几十年来 “管理不善和未充分货币化” 的知识产权进行货币化，同时尽量减少市场干扰。</p>
<p>他说，2027 年的定价尚未确定。Fair Isaac 通常在 8 月或 9 月审查定价，并在 1 月 1 日之前将变更通知合作伙伴。</p>
<p>在汽车领域，Lansing 表示公司已进行了适度的价格上涨，并继续评估评分的价值超过 Fair Isaac 收费的地方。在信用卡方面，他表示，价格上涨通常更接近通货膨胀，因为市场的交易量更高且更具弹性。</p>
<p>Lansing 还表示，与信用局的关系在与直接许可计划相关的紧张局势后有所改善。他表示，公司在宣布替代分销渠道之前让信用局首席执行官感到惊讶，但补充说信用局随后进行了调整。“归根结底，我们与他们有着共生的关系，” 他说。</p>
<h2>软件平台和人工智能被视为增长驱动因素</h2>
<p>兰辛表示，Fair Isaac 的新软件业务集中在一个决策平台上，帮助公司实时利用数据和分析来优化客户互动。他将其描述为 “下一代客户关系管理系统”，能够在客户互动的关键时刻将决策融入工作流程中。</p>
<p>他说，公司通常与自家开发的系统竞争，而不是其他软件供应商，并认为 Fair Isaac 的平台在成本上可以显著低于内部开发。兰辛表示，新平台在上个季度增长了 49%，占软件业务的约三分之一，而其余软件组合则 “基本持平”。</p>
<p>他还表示，该平台的基于美元的净留存率为 136%，反映了现有客户的扩展。</p>
<p>关于人工智能，兰辛表示 Fair Isaac 受益于软件开发中的生产力提升，并看到在其决策产品周围增加人工智能代理的机会。他以欺诈检测为例，表示人工智能代理可以处理现在由欺诈分析师执行的任务，前提是软件标记了异常情况。</p>
<p>兰辛表示，Fair Isaac 在短期内没有出售或剥离软件业务的计划，并补充说管理层认为该业务 “被低估且未被充分认可”。</p>
<h2>关于 Fair Isaac NYSE: FICO</h2>
<p>Fair Isaac Corporation，通常称为 FICO，是一家数据分析和软件公司，以其广泛使用的信用评分系统 FICO Score 而闻名，帮助贷款人评估消费者信用风险。该公司由比尔·费尔和厄尔·艾萨克于 1956 年创立，已从统计信用评分的起源发展到更广泛的预测分析、决策管理和基于人工智能的金融服务及其他行业解决方案。FICO 总部位于加利福尼亚州圣荷西，并在全球运营，服务于北美、拉丁美洲、欧洲、中东、非洲和亚太地区的客户。</p>
<p>FICO 的产品组合集中在分析和决策技术上。</p>
<p><em>此即时新闻提醒由叙事科学技术和 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。请将任何问题或意见发送至 contact@marketbeat.com。</em></p>
<h2>你现在应该投资 1,000 美元在 Fair Isaac 吗？</h2>
<p>在考虑 Fair Isaac 之前，你需要听听这个。</p>
<p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其推荐给客户的股票。MarketBeat 已识别出五只顶级分析师悄悄向客户推荐的股票，建议在更广泛的市场注意到之前购买……而 Fair Isaac 并不在名单上。</p>
<p>虽然 Fair Isaac 目前在分析师中获得了适度买入评级，但顶级分析师认为这五只股票更值得购买。</p>
<p>在这里查看这五只股票</p>

FICO

云计算 ETF - GlobalX

北美科技软件股指数 ETF - iShares

标普软件与服务 ETF - SPDR

XDAT

<p>Fair Isaac（纽约证券交易所代码：FICO）的高管在一次会议上为公司的抵押贷款评分立场和资本配置策略进行了辩护。首席执行官威廉·J·兰辛（William J. Lansing）指出，由于政治审查，股票面临压力，并强调正在进行的股票回购。首席财务官史蒂文·韦伯（Steven Weber）讨论了收入增长目标以及 VantageScore 对抵押贷款市场的影响。兰辛宣布即将推出的直接许可计划，并强调 FICO Score 10T 的竞争优势。他还提到了一项定价策略，旨在实现知识产权的货币化，同时尽量减少市场干扰</p>

<ul>
<li>3 Stocks Sending a Strong Signal With Massive Buybacks</li>
</ul>
<div class="lb-trans"><ul>
<li>3 只通过大规模回购发出强烈信号的股票</li>
</ul>
</div><p>Fair Isaac NYSE: FICO executives defended the company’s mortgage scoring position, capital allocation strategy and software growth outlook during a conference appearance featuring President and CEO William J. Lansing and EVP and CFO Steven Weber.</p>
<div class="lb-trans"><p>Fair Isaac（纽约证券交易所代码：FICO）的高管在一次会议上为公司的抵押贷款评分地位、资本配置策略和软件增长前景进行了辩护，会议上出席的有总裁兼首席执行官 William J. Lansing 和执行副总裁兼首席财务官 Steven Weber。</p>
</div><p>Lansing said the company’s stock has been pressured over the past 15 months, which he attributed largely to concerns about political scrutiny in Washington tied to the mortgage business. He said Fair Isaac remains committed to repurchasing shares, describing the company as “kind of a slow-moving LBO.”</p>
<div class="lb-trans"><p>Lansing 表示，过去 15 个月公司股票受到压力，他将其主要归因于华盛顿对抵押贷款业务的政治审查的担忧。他表示，Fair Isaac 仍然致力于回购股票，并将公司形容为 “有点像缓慢发展的杠杆收购”。</p>
</div><ul>
<li>MarketBeat Week in Review – 10/13 - 10/17</li>
</ul>
<div class="lb-trans"><ul>
<li>MarketBeat 周回顾 – 10/13 - 10/17</li>
</ul>
</div><p>He noted that Fair Isaac had 74 million shares outstanding when he joined the board, 30 million when he became CEO in 2012 and about 23 million today. Lansing said the company uses cash flow to repurchase stock and manages leverage in a range of roughly two to three times.</p>
<div class="lb-trans"><p>他指出，Fair Isaac 在他加入董事会时有 7400 万股流通股，2012 年他成为首席执行官时有 3000 万股，而现在大约有 2300 万股。Lansing 表示，公司利用现金流回购股票，并将杠杆管理在大约两到三倍的范围内。</p>
</div><p>“The business has just gotten stronger and stronger and stronger,” Lansing said, adding that management is “a little surprised” by where the stock is trading.</p>
<div class="lb-trans"><p>“业务变得越来越强大，” Lansing 说，并补充管理层对股票交易的现状 “有点惊讶”。</p>
</div><h2>Executives Outline Long-Term Financial Framework</h2>
<div class="lb-trans"><h2>高管概述长期财务框架</h2>
</div><ul>
<li>FICO’s Big Dip Could Be the Best Buying Chance of the Year</li>
</ul>
<div class="lb-trans"><ul>
<li>FICO 的大幅下跌可能是今年最佳买入机会</li>
</ul>
</div><p>Weber said Fair Isaac has not issued long-term numerical targets, but described the company’s internal planning framework based on historical performance. He said management typically aims for revenue growth “at least into the teens,” which could support net income growth above 20% with margin expansion. EPS growth, aided by buybacks, can at times exceed 30%, he said.</p>
<div class="lb-trans"><p>Weber 表示，Fair Isaac 尚未发布长期数字目标，但描述了公司基于历史表现的内部规划框架。他表示，管理层通常目标是实现 “至少十几” 的收入增长，这可能支持超过 20% 的净收入增长和利润率扩张。他说，受回购推动的每股收益增长有时可以超过 30%。</p>
</div><p>“Just rough justice, that’s how we’ve been looking at it,” Weber said.</p>
<div class="lb-trans"><p>“粗略地说，这就是我们一直以来的看法，” Weber 说。</p>
</div><h2>Mortgage Scoring Scrutiny Remains Central Issue</h2>
<div class="lb-trans"><h2>抵押贷款评分审查仍然是核心问题</h2>
</div><p>Much of the discussion focused on mortgage credit scores and the potential impact of VantageScore entering the conforming mortgage market. Lansing said Fair Isaac has competed with VantageScore for more than 20 years outside mortgage and argued that VantageScore has not gained meaningful paid share in those markets.</p>
<div class="lb-trans"><p>讨论的重点主要集中在抵押贷款信用评分及 VantageScore 进入合规抵押贷款市场的潜在影响上。Lansing 表示，Fair Isaac 在抵押贷款之外与 VantageScore 竞争已有 20 多年，并认为 VantageScore 在这些市场中并未获得有意义的付费市场份额。</p>
</div><p>He said FICO Score 10T is 8% more predictive than VantageScore 4 and qualifies 5% more borrowers, citing Fair Isaac’s analysis and an independent study by Milliman. Lansing encouraged investors to read the technical white papers from both FICO and Milliman.</p>
<div class="lb-trans"><p>他表示，FICO Score 10T 的预测能力比 VantageScore 4 高出 8%，并且能够为 5% 的借款人提供资格，引用了 Fair Isaac 的分析和 Milliman 的一项独立研究。Lansing 鼓励投资者阅读 FICO 和 Milliman 的技术白皮书。</p>
</div><p>Lansing also argued that price is less likely to be a reason for lenders to switch because Fair Isaac has introduced a $0.99 option for mortgage scores through its Direct License Program, matching the VantageScore price referenced in the discussion. He said the remaining potential incentive to use both scores would be to “game” the system by presenting the better of two scores to Fannie Mae or Freddie Mac.</p>
<div class="lb-trans"><p>Lansing 还表示，价格不太可能成为贷款人切换的原因，因为 Fair Isaac 通过其直接许可计划推出了 0.99 美元的抵押贷款评分选项，与讨论中提到的 VantageScore 价格相匹配。他表示，使用这两种评分的剩余潜在激励将是通过向房利美或房地美呈现更好的两种评分来 “游戏” 系统。</p>
</div><p>However, Lansing said that strategy would not reduce FICO volume because lenders would still need to pull a FICO score in order to compare it with another score. He said the addressable market for such gaming is “under 10%,” citing rules including a loan-to-value threshold below 80% and an approach that subtracts 20 points from a VantageScore before placing it into a FICO-based loan-level price adjustment grid.</p>
<div class="lb-trans"><p>然而，Lansing 表示，这种策略不会减少 FICO 的使用量，因为贷款人仍然需要提取 FICO 评分以便与其他评分进行比较。他表示，这种游戏的可寻址市场 “不到 10%”，引用了包括贷款价值比低于 80% 的规则，以及在将 VantageScore 放入基于 FICO 的贷款级别价格调整网格之前减去 20 分的方法。</p>
</div><h2>Direct License Program Expected Soon</h2>
<div class="lb-trans"><h2>直接许可计划预计很快推出</h2>
</div><p>Lansing said Fair Isaac’s Direct License Program is expected to be ready “next month,” pending certification from the government-sponsored enterprises. He said the GSEs and the FHFA director are supportive, though the timing depends on certification.</p>
<div class="lb-trans"><p>Lansing 表示，Fair Isaac 的直接许可计划预计将在 “下个月” 准备就绪，待政府赞助企业的认证。他表示，GSE 和 FHFA 主任对此表示支持，但时间取决于认证。</p>
</div><p>Asked about possible adoption of the new performance model, Lansing said there is “a lot of demand” and that it could “easily” reach half of the market within a year. He said the performance model will be available through tri-merge resellers via the Direct License Program, and that those resellers account for the “lion’s share” of mortgage score purchases.</p>
<div class="lb-trans"><p>当被问及新绩效模型的可能采用时，Lansing 表示 “需求很大”，并且它可以在一年内 “轻松” 达到市场的一半。他表示，绩效模型将通过直接许可计划通过三合一转售商提供，而这些转售商占据了抵押贷款评分购买的 “绝大部分”。</p>
</div><p>Lansing said the FHFA director is aware of the pricing structure and “supports it.” He also said there is limited information available about a pilot involving 21 lenders testing VantageScore because participants are under nondisclosure agreements.</p>
<div class="lb-trans"><p>Lansing 表示，FHFA 主任了解定价结构并 “支持” 它。他还表示，关于 21 家贷款人测试 VantageScore 的试点项目的信息有限，因为参与者受保密协议的约束。</p>
</div><p>On FICO Score 10T adoption, Lansing said the score is being adopted fairly quickly in the non-conforming mortgage market. He acknowledged significant inertia in the conforming market, where systems remain built around Classic FICO. Still, he said FICO Score 10T is architecturally more similar to earlier FICO models than VantageScore 4, though it is not fully backward-compatible because it uses trended data.</p>
<div class="lb-trans"><p>关于 FICO Score 10T 的采用，Lansing 表示，该评分在非合规抵押贷款市场的采用速度相当快。他承认，在合规市场中存在显著的惯性，系统仍然围绕经典 FICO 构建。尽管如此，他表示，FICO Score 10T 在架构上与早期的 FICO 模型更为相似，而不是 VantageScore 4，尽管由于使用了趋势数据，它并不完全向后兼容。</p>
</div><h2>Pricing Strategy Extends Beyond Mortgage</h2>
<div class="lb-trans"><h2>定价策略超越抵押贷款</h2>
</div><p>Lansing said Fair Isaac has raised mortgage score prices over the past decade after roughly 30 years without price increases, but argued the product remains inexpensive relative to overall mortgage closing costs. He said the company is trying to monetize intellectual property that had been “undermanaged and undermonetized” for decades while minimizing market disruption.</p>
<div class="lb-trans"><p>Lansing 表示，Fair Isaac 在过去十年中提高了抵押贷款评分价格，此前大约 30 年没有价格上涨，但他认为该产品相对于整体抵押贷款成交成本仍然便宜。他表示，公司正在努力将几十年来 “管理不善和未充分货币化” 的知识产权进行货币化，同时尽量减少市场干扰。</p>
</div><p>He said 2027 pricing has not yet been determined. Fair Isaac typically reviews pricing in August or September and communicates changes to partners for implementation on Jan. 1, he said.</p>
<div class="lb-trans"><p>他说，2027 年的定价尚未确定。Fair Isaac 通常在 8 月或 9 月审查定价，并在 1 月 1 日之前将变更通知合作伙伴。</p>
</div><p>In auto, Lansing said the company has made modest price increases and continues to evaluate where the value of the score exceeds what Fair Isaac charges. In credit cards, he said increases are generally closer to inflation because the market has higher volume and more elasticity.</p>
<div class="lb-trans"><p>在汽车领域，Lansing 表示公司已进行了适度的价格上涨，并继续评估评分的价值超过 Fair Isaac 收费的地方。在信用卡方面，他表示，价格上涨通常更接近通货膨胀，因为市场的交易量更高且更具弹性。</p>
</div><p>Lansing also said relationships with credit bureaus have improved after tensions related to the Direct License Program. He said the company surprised bureau CEOs shortly before announcing the alternate distribution channel, but added that the bureaus have since adjusted. “At the end of the day, we have symbiotic relationship with them,” he said.</p>
<div class="lb-trans"><p>Lansing 还表示，与信用局的关系在与直接许可计划相关的紧张局势后有所改善。他表示，公司在宣布替代分销渠道之前让信用局首席执行官感到惊讶，但补充说信用局随后进行了调整。“归根结底，我们与他们有着共生的关系，” 他说。</p>
</div><h2>Software Platform and AI Seen as Growth Drivers</h2>
<div class="lb-trans"><h2>软件平台和人工智能被视为增长驱动因素</h2>
</div><p>Lansing said Fair Isaac’s newer software business is centered on a decisioning platform that helps companies use data and analytics in real time to optimize customer interactions. He described it as a “next generation CRM” that can feed decisions into workflows at the point of customer interaction.</p>
<div class="lb-trans"><p>兰辛表示，Fair Isaac 的新软件业务集中在一个决策平台上，帮助公司实时利用数据和分析来优化客户互动。他将其描述为 “下一代客户关系管理系统”，能够在客户互动的关键时刻将决策融入工作流程中。</p>
</div><p>He said the company typically competes against homegrown systems rather than other software vendors and argued Fair Isaac’s platform can be substantially less expensive than internal builds. Lansing said the newer platform grew 49% last quarter and represents about one-third of the software business, while the rest of the software portfolio is “pretty much flat.”</p>
<div class="lb-trans"><p>他说，公司通常与自家开发的系统竞争，而不是其他软件供应商，并认为 Fair Isaac 的平台在成本上可以显著低于内部开发。兰辛表示，新平台在上个季度增长了 49%，占软件业务的约三分之一，而其余软件组合则 “基本持平”。</p>
</div><p>He also said the platform has a dollar-based net retention rate of 136%, reflecting expansion among existing customers.</p>
<div class="lb-trans"><p>他还表示，该平台的基于美元的净留存率为 136%，反映了现有客户的扩展。</p>
</div><p>On artificial intelligence, Lansing said Fair Isaac benefits from productivity improvements in software development and sees opportunities to add AI agents around its decisioning products. He gave fraud detection as an example, saying AI agents could handle tasks now performed by fraud analysts after software flags an exception.</p>
<div class="lb-trans"><p>关于人工智能，兰辛表示 Fair Isaac 受益于软件开发中的生产力提升，并看到在其决策产品周围增加人工智能代理的机会。他以欺诈检测为例，表示人工智能代理可以处理现在由欺诈分析师执行的任务，前提是软件标记了异常情况。</p>
</div><p>Lansing said Fair Isaac has no near-term plan to sell or spin off the software business, adding that management believes it is “undervalued and under-recognized.”</p>
<div class="lb-trans"><p>兰辛表示，Fair Isaac 在短期内没有出售或剥离软件业务的计划，并补充说管理层认为该业务 “被低估且未被充分认可”。</p>
</div><h2>About Fair Isaac NYSE: FICO</h2>
<div class="lb-trans"><h2>关于 Fair Isaac NYSE: FICO</h2>
</div><p>Fair Isaac Corporation, commonly known as FICO, is a data analytics and software company best known for its FICO Score, a widely used credit-scoring system that helps lenders assess consumer credit risk. Founded in 1956 by Bill Fair and Earl Isaac, the company has evolved from its origins in statistical credit scoring to a broader focus on predictive analytics, decision management and artificial intelligence-driven solutions for financial services and other industries. FICO is headquartered in San Jose, California, and operates globally, serving clients across North America, Latin America, Europe, the Middle East, Africa and the Asia-Pacific region.</p>
<div class="lb-trans"><p>Fair Isaac Corporation，通常称为 FICO，是一家数据分析和软件公司，以其广泛使用的信用评分系统 FICO Score 而闻名，帮助贷款人评估消费者信用风险。该公司由比尔·费尔和厄尔·艾萨克于 1956 年创立，已从统计信用评分的起源发展到更广泛的预测分析、决策管理和基于人工智能的金融服务及其他行业解决方案。FICO 总部位于加利福尼亚州圣荷西，并在全球运营，服务于北美、拉丁美洲、欧洲、中东、非洲和亚太地区的客户。</p>
</div><p>FICO's product portfolio centers on analytics and decisioning technologies.</p>
<div class="lb-trans"><p>FICO 的产品组合集中在分析和决策技术上。</p>
</div><p><em>This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to contact@marketbeat.com.</em></p>
<div class="lb-trans"><p><em>此即时新闻提醒由叙事科学技术和 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。请将任何问题或意见发送至 contact@marketbeat.com。</em></p>
</div><h2>Should You Invest $1,000 in Fair Isaac Right Now?</h2>
<div class="lb-trans"><h2>你现在应该投资 1,000 美元在 Fair Isaac 吗？</h2>
</div><p>Before you consider Fair Isaac, you'll want to hear this.</p>
<div class="lb-trans"><p>在考虑 Fair Isaac 之前，你需要听听这个。</p>
</div><p>MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Fair Isaac wasn't on the list.</p>
<div class="lb-trans"><p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其推荐给客户的股票。MarketBeat 已识别出五只顶级分析师悄悄向客户推荐的股票，建议在更广泛的市场注意到之前购买……而 Fair Isaac 并不在名单上。</p>
</div><p>While Fair Isaac currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys.</p>
<div class="lb-trans"><p>虽然 Fair Isaac 目前在分析师中获得了适度买入评级，但顶级分析师认为这五只股票更值得购买。</p>
</div><p>View The Five Stocks Here</p>
<div class="lb-trans"><p>在这里查看这五只股票</p>
</div>

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