Fair Isaac (FICO) may reach an EPS compound annual growth rate of over the mid-30% range in the next few years backed by factors like higher mortgage score price, mortgage recovery, and auto and card pricing, RBC Capital Markets said in a note emailed Friday.

The investment firm noted that, as regulatory risks and pricing concerns seem to have eased, investor concerns are now focused on pressure from rival VantageScore.

However, the expected impact for Fair Isaac will likely be "manageable, as the FICO Score is likely to remain the industry standard due to its deep integration within the mortgage ecosystem, despite VantageScore's lower price point," RBC said.

RBC said it has increased its fiscal 2026 EPS estimate for Fair Isaac to $39.50 from $35.75, which is now above Street estimates. The investment firm expects Fair Isaac to "conservatively" provide 2026 outlook for EPS at $39.50 and for revenue at $2.45 billion.

The company's 2026 "initial guidance will likely be conservative, positioning FICO for beats and raises throughout the year," the note said.

RBC has an outperform rating on Fair Isaac and $2,170 price target.

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