Fair Isaac stock faces mortgage risk as targets fall

Published on 10/03/2026 at 21:38 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Fair Isaac stock reported USD 674.19 million in Q3 FY26 revenue, up 25.7 percent year over year. Baird cut its target to USD 1,070 on October 2.

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Fair Isaac stock (ISIN US3032501047) closed at USD 661.25 on the NYSE on October 2, 2026, giving the company a USD 14.3 billion market capitalization. The immediate issue is mortgage-credit competition, while the latest quarter still delivered 25.7 percent year-over-year revenue growth.

Analysts reset valuation targets

According to MarketBeat on October 2, 2026, Robert W. Baird lowered its Fair Isaac price target from USD 1,549 to USD 1,070 while maintaining an outperform rating. The revised target stands 61.8 percent above the October 2 closing price, calculated from USD 661.25.

Yahoo Finance reported on October 2, 2026, that the Federal Housing Finance Agency was introducing competition for FICO Scores in the mortgage market. The report also said Bank of America cut its target from USD 1,400 to USD 700 and downgraded the stock from Buy to Neutral.

Quarterly growth meets valuation pressure

Fair Isaac's Q3 FY26 results, released on July 29, 2026, included USD 674.19 million in revenue and EPS of USD 12.18, according to MarketBeat. EPS exceeded the USD 11.76 consensus estimate by USD 0.42, while revenue was USD 4.98 million below the USD 679.17 million estimate.

The comparison matters because the operating figures remain expansionary even as the market questions the durability of FICO's mortgage pricing power. The company also reported quarterly revenue growth of 25.7 percent against the same quarter of the prior year, while net margin was 34.05 percent.

Stock sits near its yearly floor

FICO traded within a USD 609.14 to USD 675.38 session range on October 2, 2026, with volume of 1,643,176 shares. Its 52-week range was USD 586.05 to USD 1,886.28, placing the closing price 12.8 percent above the low and 64.9 percent below the high.

The closing price changed by -0.08 percent from the prior close of USD 661.75. For investors, the central debate is now numerical: quarterly growth and EPS execution must be weighed against a USD 700 Bank of America target and a USD 1,070 Baird target.