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FICO DONT NEED CREDIT BUREAUS NOMO


🏥 Insurers Scaling Back Medicare Advantage (MA) Plans


What’s happening?


  • Big insurers — UnitedHealth, Humana, CVS (Aetna) — are pulling back their Medicare Advantage plan offerings in 2026 across many counties/states.

  • For example: UnitedHealth will exit 109 U.S. counties, affecting ~180,000 members.

  • Humana is reducing its county footprint (going from covering ~89% of U.S. counties to ~85%)

  • The driving forces: cuts in government reimbursement rates, higher utilization of medical services, and rising health care costs making certain county plans unprofitable.


Implications & Risks / What to Watch


  • For insurers: more concentrated operations, fewer low-margin or loss-making markets, trying to protect overall margins.

  • For states / counties: less coverage, possibly fewer plan choices, or higher premiums for people in those areas.

  • For investors: this signals stress in the MA business (which has been a key growth and margin driver for many insurers).

  • Insurers with large MA exposure (UNH, HUM, CVS) may face more volatility or downward pressure if these cuts worsen.


💰 Buffett / Berkshire’s $9.7B Deal


  • Berkshire Hathaway is reportedly making a $9.7 billion deal to buy OxyChem (a chemical / industrial business).

  • This is noted as Buffett’s biggest deal since 2022.


What it signals / Why it matters


  • Buffett / Berkshire sometimes make big asymmetrical bets during times when equity valuations are volatile — this is a capital allocation move into industrials.

  • It may reflect Buffett’s view that valuations in some sectors are attractive, or that industrial / chemical assets offer more stable cash flows or downside protection relative to volatile tech / growth.

  • For the broader market, it can be a confidence signal: if Berkshire sees a deal of that magnitude as worthwhile, maybe value / non-tech sectors are more interesting right now.


📊 Fair Isaac / FICO — Credit, Analytics, & Growth Story


  • Fair Isaac (FICO) stock is seeing strong gains tied to rising demand for credit scoring, analytics, and AI / data tools. (From the headline you gave: “Fair Isaac stock soaring credit …”)

  • As lenders and financial institutions look to better assess credit / risk (especially in uncertain economic times), FICO’s tools are in demand.


Implications


  • Strong growth potential if FICO can monetize its analytics / risk tools.

  • Sensitive to macro / credit cycles: if defaults rise, demand might shift.

  • If interest rates stabilize or drop, credit activity may pick up (more loans, more scoring needed) — that’s beneficial for FICO.


👟 Nike (NKE) — Q1 Results & Momentum


What’s reported / expected


  • Nike’s Q1 for fiscal 2026 posted earnings / revenue that beat estimates.

  • However, Nike cautioned that tariff costs will hit ~$1.5 billion in the year.

  • Analysts expect ~$0.28 EPS and ~$11 b revenue in Q1 — which would represent declines vs a year ago.

  • Despite challenges (tariff headwinds, Chinese demand softness), Nike has surprised on the upside in past quarters.


What to watch / implications


  • Nike’s ability to manage margins given tariff costs is critical.

  • China / Greater China demand is a sensitive area — declines there could drag global numbers.

  • If Nike keeps exceeding expectations, market may start revaluing it more favorably in future quarters.


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