Fair Isaac (NYSE:FICO) Cut to Neutral at Bank of America

Posted by Stanley Muller on Oct 3rd, 2026

Bank of America cut shares of Fair Isaac (NYSE:FICO – Free Report) from a buy rating to a neutral rating in a report issued on Wednesday, MarketBeat Ratings reports. Bank of America currently has $700.00 price objective on the technology company’s stock, down from their previous price objective of $1,400.00.

A number of other equities analysts have also recently commented on the stock. Royal Bank Of Canada reaffirmed an “outperform” rating on shares of Fair Isaac in a research report on Tuesday. Raymond James Financial reissued an “outperform” rating on shares of Fair Isaac in a research report on Wednesday, September 9th. UBS Group cut their target price on shares of Fair Isaac from $1,200.00 to $1,130.00 and set a “neutral” rating for the company in a research note on Wednesday, August 12th. Wall Street Zen downgraded shares of Fair Isaac from a “buy” rating to a “hold” rating in a report on Sunday, June 28th. Finally, The Goldman Sachs Group set a $1,322.00 price target on shares of Fair Isaac in a research note on Tuesday. Ten equities research analysts have rated the stock with a Buy rating, six have issued a Hold rating and one has given a Sell rating to the stock. According to MarketBeat, the stock currently has an average rating of “Moderate Buy” and an average price target of $1,210.38.

Get Our Latest Report on FICO

Fair Isaac Stock Down 0.4%

NYSE:FICO opened at $659.12 on Wednesday. The stock’s 50 day moving average price is $1,022.40 and its two-hundred day moving average price is $1,101.14. The firm has a market capitalization of $14.24 billion, a price-to-earnings ratio of 19.04, a P/E/G ratio of 0.56 and a beta of 1.35. Fair Isaac has a 12-month low of $586.05 and a 12-month high of $1,886.28.

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

Insider Buying and Selling at Fair Isaac

In other news, Director Eva Manolis sold 967 shares of Fair Isaac stock in a transaction that occurred on Wednesday, July 29th. The shares were sold at an average price of $1,400.00, for a total value of $1,353,800.00. Following the completion of the sale, the director directly owned 498 shares in the company, valued at approximately $697,200. The trade was a 66.01% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders own 3.02% of the company’s stock.

Institutional Investors Weigh In On Fair Isaac

A number of large investors have recently added to or reduced their stakes in the stock. Canopy Partners LLC increased its position in Fair Isaac by 2.3% in the 4th quarter. Canopy Partners LLC now owns 363 shares of the technology company’s stock valued at $614,000 after acquiring an additional 8 shares during the period. Heartland Bank & Trust Co lifted its holdings in shares of Fair Isaac by 2.9% during the first quarter. Heartland Bank & Trust Co now owns 468 shares of the technology company’s stock worth $500,000 after purchasing an additional 13 shares during the period. Harbour Investments Inc. lifted its holdings in shares of Fair Isaac by 82.4% during the fourth quarter. Harbour Investments Inc. now owns 31 shares of the technology company’s stock worth $52,000 after purchasing an additional 14 shares during the period. FNY Investment Advisers LLC grew its stake in shares of Fair Isaac by 3.6% in the second quarter. FNY Investment Advisers LLC now owns 398 shares of the technology company’s stock worth $475,000 after purchasing an additional 14 shares during the last quarter. Finally, NewEdge Advisors LLC grew its stake in shares of Fair Isaac by 4.5% in the second quarter. NewEdge Advisors LLC now owns 324 shares of the technology company’s stock worth $387,000 after purchasing an additional 14 shares during the last quarter. Institutional investors and hedge funds own 85.75% of the company’s stock.

More Fair Isaac News

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

Positive Sentiment: Robert W. Baird maintained an “outperform” rating and lowered its price target to $1,070 from $1,549. Although the target cut reflects greater regulatory risk, it still implies substantial potential upside from recent trading levels. Wall Street This Week
Positive Sentiment: Wells Fargo reiterated its buy rating, while some investors—including Robinhood traders—were reported to be buying FICO during the selloff. These developments may provide short-term support, but do not remove the regulatory overhang. Wells Fargo Buy Rating
Neutral Sentiment: Fair Isaac’s stock rebounded after an earlier steep selloff, highlighting high volatility and possible bargain hunting rather than a clear change in the company’s fundamentals. Fair Isaac Rebound
Negative Sentiment: Reports said the FHFA’s proposed two-bureau framework rattled investors and extended FICO’s September decline. A broader scoring system could introduce competition and pressure the company’s exceptionally high fees in the mortgage market. Two-Bureau Proposal
Negative Sentiment: Bank of America downgraded FICO to neutral and cut its price target, while BMO also reduced its target. The analyst actions reinforce concerns that regulatory changes may permanently impair Fair Isaac’s growth outlook. Bank of America Downgrade
Negative Sentiment: Coverage also highlighted a potential $0.99 mortgage-score rival, intensifying fears that cheaper alternatives could challenge FICO’s established position. Mortgage Score Rival

Fair Isaac Company Profile

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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.