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@GHadjia Avatar @GHadjia George Hadjia

George Hadjia posts on X about $fico, $snps, $googl, $par the most. They currently have XXXXXX followers and XXX posts still getting attention that total XXX engagements in the last XX hours.

Engagements: XXX #

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Mentions: XX #

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Followers: XXXXXX #

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Social Influence #

Social category influence stocks technology brands cryptocurrencies finance

Social topic influence $fico #11, $snps #16, $googl, $par #3, ip, $ficos #2, $asml, asml, par #1443, $efx #10

Top assets mentioned Fair Isaac, Corp. (FICO) Synopsys, Inc. (SNPS) Alphabet Inc Class A (GOOGL) Parachute (PAR) Effect.AI (EFX) Apple, Inc. (AAPL) NVIDIA Corp. (NVDA) Alibaba Group (BABA)

Top Social Posts #

Top posts by engagements in the last XX hours

"We detail the headwinds facing $SNPS in our letter and estimate that they only effect FY25 and FY26 earnings by mid-teens % vs. the -XX% stock price reaction which seemed like a significant overreaction to us"
X Link @GHadjia 2025-10-09T20:16Z 10.1K followers, XXX engagements

"Google is in the enviable position of having state-of-the-art AI capabilities best-in-class AI hardware for its internal workloads and the operating cash flow to fund its ambitious AI infrastructure buildout"
X Link @GHadjia 2025-10-09T20:16Z 10.1K followers, XXX engagements

"We have followed $SNPS for several years but never found the valuation to be compelling enough for the earnings growth on offer. However an opportunity arose following the companys 3Q25 results when the stock collapsed -XX% because of a miss and guide-down in the IP segment"
X Link @GHadjia 2025-10-09T20:16Z 10.1K followers, XXX engagements

"The new direct licensing program from $FICO is a HUGE change whereby resellers can calculate and distribute FICO Scores directly to customers. Both pricing models announced by FICO represent a price increase. FICO introduced a new performance model whereby it will receive a $XXXX royalty (which is a XX% reduction in average score fees into the tri-merge resellers due to the elimination of the credit bureau markup). In addition there's a funded loan fee of $XX per borrower per score when a FICO-secured loan is closed. It's thus a success-based model whereby FICO is paid a higher fee but only"
X Link @GHadjia 2025-10-02T12:32Z 10.1K followers, 11K engagements

"$SNPS is the leading vendor of electronic design automation (EDA) software tools used for integrated circuit design and the #2 licensor of chip design IP. EDA tools are mission critical for anyone who wants to design chips (e.g. $NVDA $AAPL $BABA etc)"
X Link @GHadjia 2025-10-09T20:16Z 10.1K followers, XXX engagements

"Meanwhile the vast majority of mortgage originations come from IMBs that run on razor-thin margins. In todays environment these lenders have a strong incentive to choose $FICOs performance-based model"
X Link @GHadjia 2025-10-07T23:30Z 10.1K followers, XXX engagements

"Overall this looks like a strategically smart move by $FICO that could result in a step function change in growth that the market hasnt fully appreciated yet"
X Link @GHadjia 2025-10-07T23:30Z 10.1K followers, 1661 engagements

"In the letter below we talk about $ASML $GOOGL $SNPS and $PAR"
X Link @GHadjia 2025-10-09T20:16Z 10.1K followers, XXX engagements

"$EFX decision to price VantageScore at $XXXX for the next two years is actually bullish for $FICO. It signals that Equifax has limited levers to counter FICOs direct-licensing push. The main risks were"
X Link @GHadjia 2025-10-07T23:30Z 10.1K followers, 9756 engagements

"$EFX is pricing VS only $XXXX less than $FICOs cost under this performance-based model. This wont be nearly enough to drive adoption of VS particularly when given the risk of higher loan losses and/or a risk premium required by MBS mkt when VS-scored loans are securitised"
X Link @GHadjia 2025-10-07T23:30Z 10.1K followers, 1740 engagements

"Reposting as this disappeared from my profile after posting. Writeups on $ASML $GOOGL $SNPS and $PAR for those interested in our Q3 quarterly letter. Would love to hear thoughts and any pushback"
X Link @GHadjia 2025-10-13T08:44Z 10.1K followers, 4451 engagements

"Under this model they will pay a $XX per-borrower per-score success fee only when a loan closes on top of the current $XXXX $FICO royalty. That $XX is typically rolled into borrower closing costs so lenders are largely indifferent to it"
X Link @GHadjia 2025-10-07T23:30Z 10.1K followers, XXX engagements

"Probably worth reposting this today given the news. We break out the FICO and credit bureau economics for a typical credit report in granular detail. It provides a helpful framework for understanding the implications of the recent $FICO announcement"
X Link @GHadjia 2025-10-02T12:34Z 10.1K followers, 2317 engagements

"$PAR was a material detractor to our performance in the qtr given the stock fell XX% in the span of X months. We detail why we still believe the future is bright for PAR"
X Link @GHadjia 2025-10-09T20:16Z 10.1K followers, XXX engagements

"2) the CRAs withholding credit-file data from resellers (the probability of them doing this probably rounds down to zero given anti-trust risks)"
X Link @GHadjia 2025-10-07T23:30Z 10.1K followers, XXX engagements

"The Bristlemoon Global Fund returned XXX percent for the September 2025 quarter with a XXX percent return for the month of September 2025 net of fees. For the fifteen-month period since inception the Fund has produced a cumulative XXXX percent return net of fees"
X Link @GHadjia 2025-10-09T20:16Z 10.1K followers, 8193 engagements

"As we explained in our recent $FICO report the CRAs also cant collectively set a uniform VantageScore price without running afoul of antitrust rules which further limits their ability to use price as a weapon"
X Link @GHadjia 2025-10-07T23:30Z 10.1K followers, XXX engagements

"Bristlemoon just published a 16k+ word report on $FICO the credit score monopolist that has increased its mortgage scores prices by XXX% over the last three years. We explore how entrenched FICO is in the US credit ecosystem and whether the company still has pricing power"
X Link @GHadjia 2025-09-11T21:30Z 10.1K followers, 37K engagements

"The FICO Score very much is not just a number referenced by lenders but is integral to the plumbing of the U.S. mortgage system in a way that makes the score very sticky. This has supported an aggressive pricing strategy that carries wonderful economics"
X Link @GHadjia 2025-09-11T21:30Z 10.1K followers, 2143 engagements

"Great graphic from @itsDanielWu in our quarterly letter which sums up why we like $GOOGL's AI prospects"
X Link @GHadjia 2025-10-11T05:33Z 10.1K followers, 2971 engagements

"1) the CRAs aggressively undercutting $FICO by pricing VantageScore much lower and picking up share from the more price-sensitive part of the market (though this risk was always modest since credit score costs are passed on to borrowers); and/or"
X Link @GHadjia 2025-10-07T23:30Z 10.1K followers, 1047 engagements