Wells Fargo analyst William Warmington attributes the recent underperformance in shares of Fair Isaac to weaker than expected FY17 guidance, investor perception that negative rates will hurt the company's Scores business and sector rotation out of "more stable" financials into banks. The analyst views management's 2017 guidance as conservative and thinks the company appears well-positioned to benefit from higher rates. He believes Fair Isaac has "significant long-term growth opportunities." Warmington keeps an Outperform rating on the shares with a $125-$135 price target range.