Fair Isaac is trading at $640.00, down 8.71%, in pre-market after withholding fiscal 2027 guidance; the resulting lack of forward visibility appears to be the main earnings concern. - Q4 revenue of $657 million and adjusted EPS of $11.10 beat estimates. - Management cited unsettled pricing agreements and mortgage-market uncertainty during its move to bespoke mortgage pricing; mortgage origination volumes also declined. - Software-sector strength, with the supplied trend showing gains, contrasts with the stock’s drop.