Ok so FICO stock is down 24% the past 5 days. The current price is $1000

FICO seems to be favorite amongst value investors looking for margins, growth, competitive advantage, pricing power.

FICO is the most trusted name in the credit game and on the Closing Settlement of a home, their fees are incredibly insignificant compared to everything else. The entire industry runs on FICO, and it is the benchmark that is universal between creditors and those seeking to re-finance. With interest rates going down in the near term, I see more real estate transactions happening this year, which should benefit FICO. FICO is also used nearly universally by creditors for auto loans, student loans, credit cards, etc. etc., which should also benefit from lower interest rates. I do not see any major lender trusting some random new AI tool to replace FICO, as FICO is universally trusted and is basically the language of the credit industry.