Despite losing nearly half of its value, the stock has still returned more than 43,000% since the mid-1990s.

When someone wants to take out a loan, open a credit card, or apply for a mortgage, lenders will look at that person's credit score. It's been a lucrative business model for decades for Fair Isaac ( FICO -4.05% ) , the company whose FICO credit scoring system has become a global leader, used in making more than 10 billion credit decisions annually.

Shares of Fair Isaac have returned more than 43,000% since 1994!

The stock, however, has tumbled for months. The downtrend continued after the U.S. government announced it would let U.S. mortgage giants Fannie Mae and Freddie Mac use VantageScore, an alternative credit scoring model created by the U.S.'s top three credit bureau

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