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Analyst
Ryan Griffin
Period: Reporting periods mapped to calendar 2025 Q1 – 2026 Q2 (6 quarters).
- Questions
- 17on tracked calls
- Challenge rate
- 0%none of 17 questions
- Companies
- 3questioned at least once
- Reporting periods
- 6with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 17 of 17 questions from 3 companies
FICOFair Isaac9 questions · 5 reporting periods · 0 of 9 challenging
Calendar 2026 Q2
just on the recent Trigger Loan legislation, we heard that shook things up between the prequal market
Show response
Brief qualitative answer with no quantification of the prequalification versus hard inquiry impact.
was wondering if you could talk about the retention rate dynamics? Is that the best way to think about that
Show response
Confirmed continued bookings acceleration and explained the legacy retention decline as CCS migration, citing very low churn.
Calendar 2026 Q1
I was wondering what you're expecting that relate the tail and how you think it might validate the predictiveness in FICO?
Show response
Lansing said FICO has provided data and is ready. Cited existing white papers comparing 10T vs VantageScore on default and prepayment risk, and noted third-party analysis is expected soon.
I'm just wondering if you have any feedback to share from the securitization market
Show response
Lansing said the securitization market is not ready for VantageScore, citing approximately 20 mortgages securitized on VantageScore paper, less than 0.1% of recent securitizations.
Calendar 2025 Q4
I think we've all read some headlines about lenders struggling with their cost base this year. I was just wondering if you're seeing any of this from your perspective
Show response
Lansing said FICO has seen no changes in lender behavior despite cost pressure headlines, reflecting the critical and embedded nature of FICO Scores in the system.
I think you said 75 of your largest customers are using multiple use cases now. I was just wondering how that has trended over the past year or so and what's driving the land and expand momentum?
Show response
Weber explained expand is easier than land once installed. Lansing added expand runs at roughly the same growth rate as land, with revenue benefiting from both expanded existing use cases and new use case adoption.
Calendar 2025 Q3
what is built into your guidance and what swing factors, whether it's trigger loans or rates could impact the view
Show response
Weber confirmed significant trigger-lead reduction assumption in guidance, plus extra conservatism beyond typical haircut due to macro uncertainty.
Calendar 2025 Q2
on the Amazon partnership. I'm wondering what the mechanics are for that and how you expect that to impact the distribution model
Show response
Lansing expressed optimism about the AWS partnership but declined to quantify near-term impact.
You made a comment on ACV bookings pipeline being stronger than last year. I was just wondering what's driving that and how we should expect that to flow through to bookings
Show response
Weber attributed pipeline strength to FICO World momentum, new platform capabilities, and growing proof cases from existing customers.
EFXEquifax6 questions · 4 reporting periods · 0 of 6 challenging
Calendar 2026 Q2
Can you elaborate just on the right to win against some of the consumer-based verification programs
Show response
Management cited instant integration, high coverage, and 10% record growth as the TWN right to win.
Calendar 2026 Q1
Appreciate it. And then just on the lenders onboarded thus far, testing the VantageScore.
Show response
Management addressed the question directly with specific data points.
I was just wondering what percentage of your volumes are soft versus hard pull?
Show response
Management addressed the question directly with specific data points.
Calendar 2025 Q3
I know it's late, so I'll just ask one. Just wanted to dig into the pricing strategy in the non-mortgage verticals, whet
Show response
Management addressed the question directly with specific data points.
Calendar 2025 Q2
Great. Thank you.
Show response
Management addressed the question directly with specific data points.
Hey. Thanks so much. You'd previously called out deepening penetration and broadening the solution set with the backgrou
Show response
Management addressed the question directly with specific data points.
FDSFactSet2 questions · 2 reporting periods · 0 of 2 challenging
Calendar 2025 Q2
Just wondering how you can help us understand some of the swing factors or the macro impacts that might be driving that. I think you mentioned a lot of that is pipeline from institutional buy side
Show response
Phil said broad portfolio, no dependence on single deal, no big negatives remaining. Well ahead of prior year. Helen added guidance range designed for variability.
Calendar 2025 Q1
We’re just wondering what type of sensitivity that has seen as the macro is unwound a bit compared to what you might see in the financial services and market data budgets? And then, just more broad...
Show response
Phil noted tech budget selling is positive as clients invest in technology transition. Not seeing much change in recent weeks. Goran added larger H2 deals will come from technological budgets rather than traditional market data, with C-level technical discussions ongoing.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| FICO Fair Isaac | 9 | 0%none of 9 questions |
| EFX Equifax | 6 | 0%none of 6 questions |
| FDS FactSet | 2 | —Rate withheld: fewer than 3 questions |
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2025 Q1 | 1 | 0%none of 1 question | 1 |
| 2025 Q2 | 5 | 0%none of 5 questions | 3 |
| 2025 Q3 | 2 | 0%none of 2 questions | 2 |
| 2025 Q4 | 2 | 0%none of 2 questions | 1 |
| 2026 Q1 | 4 | 0%none of 4 questions | 2 |
| 2026 Q2 | 3 | 0%none of 3 questions | 2 |
- 2025 Q11 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q25 questions · challenge rate 0% (none of 5 questions) · 3 companies
- 2025 Q32 questions · challenge rate 0% (none of 2 questions) · 2 companies
- 2025 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2026 Q14 questions · challenge rate 0% (none of 4 questions) · 2 companies
- 2026 Q23 questions · challenge rate 0% (none of 3 questions) · 2 companies
Topics
Topics tagged on this analyst’s questions.
- Demand9
- Competitive Dynamics4
- Macroeconomic4
- Revenue Growth3
- Cloud & AI3
- Regulation Policy2
- Product Launch2
- Credit2
- Guidance Reliability2
- Pricing2
Show all 13 topics
- Subscriber Growth1
- Geographic Expansion1
- Labor Market1