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Fair Isaac shares trail the S&P 500 after weaker guidance and earnings
After a Q3 2026 results miss, the company cited elevated interest rates and mortgage affordability pressures, while analysts project fiscal 2026 EPS growth of 49.1% year over year to $37.37.
Fair Isaac Corp.'s stock has underperformed the broader market over multiple time frames, according to analysis from Yahoo Finance. Over the past 52 weeks, FICO has fallen 22.9% while the S&P 500 gained 18.7%. On a year-to-date basis, FICO is down 31.3% versus a 12.7% return for the S&P 500.
The credit scoring and predictive analytics provider saw additional pressure after its Q3 2026 results on July 29. Revenue came in at $674.2 million, missing consensus despite rising from $536.4 million a year earlier, and fiscal 2026 EPS guidance of $42.43 plus revenue guidance of $2.53 billion both trailed estimates, Yahoo Finance reports.
Management attributed the softness to elevated interest rates and affordability challenges affecting mortgage originations, and to higher Q4 operating expenses, including front-loaded marketing tied to an Accenture partnership and restructuring charges. Analysts expect Fair Isaac's EPS to increase 49.1% year over year to $37.37 for the fiscal year ending in September 2026, Yahoo Finance said.
In rating and target price coverage, Yahoo Finance notes that Jefferies analyst Surinder Thind reiterated a Buy rating on Aug. 4 and set a $1,675 price target. The mean price target cited is $1,463.63, representing about a 27% premium to FICO's current levels, while the newsletter summary also indicates the company's consensus rating skew remains toward “Strong Buy.”
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