The video discusses Fair Isaac Corp (FICO) and its new program to sell credit scores directly to mortgage resellers. According to Bloomberg, this move caused FICO's stock to soar while shares of third-party credit bureaus like Experian and TransUnion plummeted. The shares of TransUnion and Equifax each dropped at least 12% on Thursday because of the FICO news. FICO shares surged 32%, its biggest intraday gain on record. The presenter mentions that their calculated intrinsic value per share for FICO is $1,037, and the current market price is $1,870.19. Therefore, even after applying a margin of safety, FICO stock is overvalued. The analyst rated FICO stock a hold not a buy when the stock was around $1,500. This move will gives the company a stronger competitive advantage by going directly to lenders and skipping those middleman reporting bureaus that should lead to a better position for FICO stock investors longer term.