FICO
Fair Isaac Corporation
stock NYSE

CSU, FICO, MA,V,EFX

The world is full of deficits in billions and they are busy tracking my FICO score for Pennies
lmao

I think just bucketing all these into the “this is expensive” pile is not accurate, I’d agree that FICO, INTU, even SPGI are expensive to some degree but AMZN and MSCI are not. These are the highest quality companies around, if you get them for the right price there’s no better place to start.

I look at GAAP net income, net income margin, yoy revenue growth, loan performance (default rates), average FICO score of members, adjusted EBITDA (for a bank not so useful but looking at the tech platform itself is good).
These values are constantly changing but for sofi all these values will tell you a story about how the business is going. From my own analysis they have a very financially literate customer base and they cross sell their products much more than other companies including robinhood.
Sofi is like a tech company that is also a bank. So nobody really understands how to value it. It’s very cheap right now.

I think this will only apply to FICO 10 which is one of their higher tiers of scores that they sell to lenders. Most are still on FICO 8 so this might not impact things immediately

Amazing. So a debt will be affecting your FICO score. What a word...

Buy Now Pay Later now factored into FICO

SPGI, FICO, AMZN, INTU, MSCI

Appreciate it. And my RM is in plain sight: far OTM and far DTE...and a little TA to tip the scale on my side.
But what's new? Those without the requisite FICO scores unsurprisingly will not heed my disclaimer/posted stats.
You sell naked puts too, so gl to you. Happy 4th and keep on winning!

Over the past year, been seeing people aiming for $1K a month selling theta, just thought seeing a ‘proof of concept’ would provide some encouragement to those seeking the path to success.
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I achieve this via basic TA (just the 200sma, 50sma, down trend, fill the gaps) selling Naked PUTs FAR OTM and far out in Expiry--whatever you use to put the advantage on your side, you do you. gl and happy BD USA!
https://preview.redd.it/yknlg18k4waf1.png?width=1060&format=png&auto=webp&s=dbac7e50fdd774f7f05a23ec29a6a0a1a315c2cc

History of present event:
Take balance transfer cash (via the included check) of 0% intro APR of $15K and $24K for 12 months, earn interest on SPAXX 3.94% or FDLXX 3.90% (CA state tax exempt), and sell Naked PUTs.
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The numbers:
[$15K at 4.99% one-time fee](https://www.reddit.com/r/thetagang/comments/1l3e5ei/unh_tsla_credit_card_balance_transfer_to_sell/): -$748.50
[$24K at 5% one-time fee](https://www.reddit.com/r/thetagang/comments/1ktpw4s/rddt_goog_credit_card_balance_transfer_to_sell/): -$1,200
[Premiums realized within 6 weeks covers all fees with some leftovers.](https://www.reddit.com/r/thetagang/comments/1liqkzi/fees_covered_in_6_wks_credit_card_balance/)
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Statistics:
\-93% of traders lose because they run a 'Get-Rich-Quick Scheme'
\-7% of traders win because they do not run a 'Get-Rich-Quick Scheme'
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*Disclaimer: Taking out a credit card balance transfer to sell Naked PUTs using TA, with a FICO score below 750, is worry worthy.*

Yeah, I think S&P global, moodys, equifax, FICO have strong moats and lower capex. I've structured my portfolio to companies that have narrow moats that are smaller caps to get greater returns. Picking the no brainer large tech isn't going to generate super alpha returns. But they are better than the indexes. ASML not sure I have the capability to understand it so may be outside my circle of competence but it's been mentioned here several times.