Bank of America Reaffirms Neutral Rating for Fair Isaac (NYSE:FICO)

Fair Isaac (NYSE:FICO)‘s stock had its “neutral” rating restated by stock analysts at Bank of America in a research note issued on Wednesday, Marketbeat.com reports. They currently have a $700.00 price objective on the technology company’s stock, down from their prior price objective of $1,400.00. Bank of America‘s price target suggests a potential upside of 18.83% from the company’s previous close.

A number of other equities analysts also recently commented on the company. UBS Group lowered their price objective on Fair Isaac from $1,200.00 to $1,130.00 and set a “neutral” rating for the company in a research report on Wednesday, August 12th. Raymond James Financial reissued an “outperform” rating on shares of Fair Isaac in a research report on Wednesday, September 9th. Susquehanna set a $700.00 price objective on Fair Isaac in a report on Wednesday. Barclays dropped their price objective on Fair Isaac from $1,700.00 to $935.00 and set an “overweight” rating on the stock in a report on Wednesday. Finally, Mizuho set a $1,344.00 price objective on Fair Isaac in a report on Tuesday. Ten investment analysts have rated the stock with a Buy rating, six have given a Hold rating and one has given a Sell rating to the stock. Based on data from MarketBeat, Fair Isaac presently has a consensus rating of “Moderate Buy” and a consensus price target of $1,250.33.

Fair Isaac Stock Performance

FICO stock traded down $28.81 during mid-day trading on Wednesday, reaching $589.07. The company had a trading volume of 1,180,342 shares, compared to its average volume of 381,553. Fair Isaac has a fifty-two week low of $591.00 and a fifty-two week high of $1,998.01. The company has a market capitalization of $12.72 billion, a price-to-earnings ratio of 16.97, a price-to-earnings-growth ratio of 0.76 and a beta of 1.32. The firm has a fifty day simple moving average of $1,057.43 and a 200 day simple moving average of $1,111.06.

Fair Isaac (NYSE:FICO) last announced its quarterly earnings data on Wednesday, July 29th. The technology company reported $12.18 EPS for the quarter, topping analysts’ consensus estimates of $11.76 by $0.42. Fair Isaac had a negative return on equity of 32.51% and a net margin of 34.05%.The business had revenue of $674.19 million during the quarter, compared to the consensus estimate of $679.17 million. During the same period in the previous year, the company posted $8.57 earnings per share. The business’s revenue for the quarter was up 25.7% on a year-over-year basis. Fair Isaac has set its FY 2026 guidance at 42.430-42.430 EPS. As a group, analysts predict that Fair Isaac will post 37.2 earnings per share for the current year.

Insider Transactions at Fair Isaac

In related news, Director Eva Manolis sold 967 shares of the firm’s stock in a transaction that occurred on Wednesday, July 29th. The stock was sold at an average price of $1,400.00, for a total transaction of $1,353,800.00. Following the transaction, the director owned 498 shares in the company, valued at $697,200. This trade represents a 66.01% decrease in their position. The transaction was disclosed in a filing with the SEC, which is available through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 3.02% of the stock is owned by corporate insiders.

Institutional Inflows and Outflows

A number of hedge funds have recently added to or reduced their stakes in the company. Canopy Partners LLC grew its stake in Fair Isaac by 2.3% during the 4th quarter. Canopy Partners LLC now owns 363 shares of the technology company’s stock worth $614,000 after buying an additional 8 shares during the last quarter. Heartland Bank & Trust Co grew its stake in Fair Isaac by 2.9% during the 1st quarter. Heartland Bank & Trust Co now owns 468 shares of the technology company’s stock worth $500,000 after buying an additional 13 shares during the last quarter. Harbour Investments Inc. grew its stake in Fair Isaac by 82.4% during the 4th quarter. Harbour Investments Inc. now owns 31 shares of the technology company’s stock worth $52,000 after buying an additional 14 shares during the last quarter. FNY Investment Advisers LLC grew its stake in Fair Isaac by 3.6% during the 2nd quarter. FNY Investment Advisers LLC now owns 398 shares of the technology company’s stock worth $475,000 after buying an additional 14 shares during the last quarter. Finally, NewEdge Advisors LLC grew its stake in Fair Isaac by 4.5% during the 2nd quarter. NewEdge Advisors LLC now owns 324 shares of the technology company’s stock worth $387,000 after buying an additional 14 shares during the last quarter. Hedge funds and other institutional investors own 85.75% of the company’s stock.

Trending Headlines about Fair Isaac

Here are the key news stories impacting Fair Isaac this week:

• Positive Sentiment: After the selloff, some investors view Fair Isaac as potentially undervalued. One analysis argues the stock could have recovery potential if the impact of mortgage-market competition is less severe than feared. Fair Isaac Stock Looks Cheap After a 62% Fall
• Neutral Sentiment: Rosen Law Firm announced an investigation into potential securities claims, alleging that FICO may have provided materially misleading business information. The announcement does not establish wrongdoing, but it adds headline and litigation risk for shareholders. Rosen Law Firm Investor Investigation
• Neutral Sentiment: A broader investment article says artificial intelligence is eroding some traditional competitive moats while strengthening others. It provides sector context but does not identify a specific new development at Fair Isaac. Where AI Competitive Moats Are Evaporating and Being Built
• Negative Sentiment: The Federal Housing Finance Agency said Fannie Mae and Freddie Mac will use a mortgage-pricing framework that places VantageScore on a more comparable footing with FICO. This threatens Fair Isaac’s long-standing mortgage-scoring advantage and could pressure prices, volumes, and licensing revenue. Fair Isaac Stock Tumbles as FHFA Incorporates VantageScore
• Negative Sentiment: Bank of America downgraded FICO from Buy to Neutral and set a $700 price target, citing regulatory and competitive risks. Although the target implies upside from recent levels, the downgrade reinforces concerns that the company’s monopoly-like economics may weaken. Fair Isaac Downgraded by BofA on Regulatory Risk
• Negative Sentiment: TransUnion’s continued 99-cent VantageScore 4.0 pricing and the prospect of a mortgage price war add to fears that FICO will need to reduce fees or defend market share, further weakening earnings expectations. FICO Stock Slides After TransUnion Extends 99-Cent VantageScore Pricing

About Fair Isaac

Fair Isaac Corporation, known as FICO, develops analytics and software used by businesses to make decisions about credit, risk, fraud, customer engagement and other operational activities. The company is best known for the FICO Score, a credit-risk scoring system used by lenders to help evaluate consumer creditworthiness.

FICO’s offerings include credit scoring solutions, decision-management software, fraud detection and identity verification tools, and analytics platforms. Its products are used by financial institutions, insurers, retailers, telecommunications companies and other organizations to automate decisions, manage risk and improve customer relationships.