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FOA

Finance of America CosB
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q2 funded-volume growth, improved adjusted earnings and the acquired servicing portfolio offer operating upside if conversion and portfolio returns persist [#SEC-8K-2026-08-04].
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-11-02 · AMC.
What can break
Interest-rate and credit-spread changes can reduce mortgage-asset fair values and raise financing costs [#SEC-10Q-2026-08-07].
Momentum
4
Value
64
Sentiment
63
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $12.00 · Bull $17.00 · Bear $7.00Analysis 2026-10-13; returns require an exact persisted reference.
Earnings
2026-11-02 · AMC
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-13 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $31.00
Why
Momentum4 · Δ7d +0.7
Value64 · Δ7d -0.0
Sentiment63 · Δ7d +5.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-11-02 · AMC.
  • • Value remains the lead driver in the composite, 7D delta -0.0.

Contradictions & invalidation

  • • Interest-rate and credit-spread changes can reduce mortgage-asset fair values and raise financing costs [#SEC-10Q-2026-08-07].
  • • Q2 GAAP net loss and lower tangible equity contrast with positive adjusted earnings [#SEC-8K-2026-08-04].
  • • GAAP losses, fair-value sensitivity and the November debt decision could outweigh adjusted-profit growth.

Catalyst clock

2026-11-02 · AMC

November senior-note repayment or extension decision

Lead driver: Value · See fundamentals
Momentum
4
8% active weight
Current posture
7d trendFlat
Δ7d
+0.7
Δ21d
+1.3
Value
64
47% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
+1.4
Sentiment
63
45% active weight
Current posture
7d trendImproving
Δ7d
+5.8
Δ21d
+13.0
Why this grade

Composite grade B. Momentum 4.0 / Value 63.8 / Sentiment 62.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-13. Scenario method

B+
Bull case
25%
Probability
Target price
$17.00
Analysis reference price unavailable
Analysis 2026-10-13 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$12.00
Analysis reference price unavailable
Analysis 2026-10-13 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$7.00
Analysis reference price unavailable
Analysis 2026-10-13 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$273.51M
Beta
1.63
Shares Out
17.31M
P/E (TTM)
3.4
P/S (TTM)
0.10
P/FCF (TTM) · Derived
-0.34
Rev YoY
-5.8%
EPS YoY
-210.1%
Gross Margin
+51.6%
Op Margin
-4.4%
Net Debt
$29.91B
Current Ratio
0.10
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data