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Guru Ariel

Senior Equity Analyst at Oppenheimer

Guru Ariel is a Senior Equity Analyst at Oppenheimer, specializing in technology and healthcare sector research with a focus on large-cap U.S. growth companies. He covers major firms including Microsoft, Amazon, Alphabet, and Abbott Laboratories, and has established a notable track record of delivering investment calls with a success rate above 65% and positive average returns as ranked by TipRanks. Ariel began his career as a financial analyst in the mid-2000s and previously served in research roles at Morgan Stanley and Lazard before joining Oppenheimer in 2018. He holds FINRA Series 7, 63, and 86/87 licenses and has been recognized for his sector insight in multiple investor forums.

Guru Ariel's questions to FAIR ISAAC (FICO) leadership

Question · Q4 2025

Guru Ariel asked about the usage of FICO Scores in the downstream mortgage market, its materiality to total mortgage score volume, overall dynamics, and the potential uptake and value of the new $4.95 plus $33 performance pricing model.

Answer

CEO Will Lansing explained that FICO scores are used extensively downstream by mortgage originators, lenders, GSEs, rating agencies, MBS investors, mortgage insurers, and prudential regulators, a segment FICO historically has not monetized. He confirmed that the per-closed-loan pricing model was designed to capture some of this intellectual property value.

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Question · Q4 2025

Guru Ariel asked about the usage of FICO Scores in the downstream mortgage market, its materiality to total mortgage score volume, overall dynamics, and the potential uptake and value of the new $495+$33 performance pricing model, specifically the $33 reissue fee.

Answer

CEO Will Lansing explained that FICO scores are used extensively downstream by originators, lenders, GSEs, rating agencies, investors, mortgage insurers, and prudential regulators, areas FICO historically hasn't monetized. He confirmed that the per-closed-loan pricing model was designed to capture some of this IP value.

Ask follow-up questions

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