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cover of episode Tesla’s Key Robotaxi Rollout

Tesla’s Key Robotaxi Rollout

2025/6/23
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Motley Fool Money

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Andy Cross
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Jason Hall
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Matt Frankel
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Matt Frankel: 我认为FICO纳入BNPL数据是重要的,但目前FICO 10尚未被广泛使用,FICO 8才是目前贷款机构最广泛使用的版本,因此新模型需要时间才能真正帮助人们获得更低的利率。同时,FICO需要一些措施来促使人们采用新版本的评分系统,这可能是一个启动因素。不过,长期来看,费用的方向将会下降,FICO的产品很有价值,但联邦住房金融局不会是最后一个对信用评分支付过多费用提出质疑的机构。 Andy Cross: 我认为FICO不断创新并增加新的内容是令人鼓舞的,尽管他们可能还在使用较旧的模型,但这至少能让他们保持在行业的前沿。BNPL市场规模巨大,对于FICO来说,纳入BNPL数据代表着一些积极的消息。FICO是一个高质量的企业,但面临威胁,所以我现在并不急于购买。 Jason Hall: 我认为不同的金融服务业务使用不同的FICO版本,提醒我们这是一个巨大的市场,FICO需要不断创新以适应消费者支出习惯的变化。FICO作为行业巨头,估值较高,即使股价下跌,其销售额倍数仍然很高,考虑到长期利润率可能受到挤压,我对它不太感兴趣。FICO最近提高了价格,短期内利润率可能会上升,但长期来看,更有可能看到相反的趋势。

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Shownotes Transcript

FICO turns to BNPL data and Fiserv embraces a new stablecoin.

Andy Cross, Jason Hall, and Matt Frankel discuss:

  • FICO to include BNPL data

  • The importance of Tesla’s robotaxi

  • Tesla’s advantages and challenges in self-driving

  • Fiserv launches its own stablecoin

Companies discussed: FICO, TSLA, GOOGL, UBER, FI, PYPL, CRCL, SHOP

Host: Andy Cross

Guests: Jason Hall, Matt Frankel

Engineer: Dan Boyd

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