FOA

Finance of America CosA

NYSE / Financial Services

At close

2026-07-18

Current thesis

FOA has improving origination momentum, stronger Q1 profitability and liquidity, increased tangible equity, and a newly closed servicing-asset acquisition that could expand scale. If proprietary production and integration benefits persist, earnings power could support a higher multiple.

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.3.

What can break

FOA plans to prioritize deleveraging, which may constrain other capital-allocation options.

Momentum

Value

Sentiment

Setup hits (3d)

— · Net —

AI TargetsBase $26.00 · Bull $31.00 · Bear $18.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-17 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net —

Target $25.00

Why

Momentum92 · Δ7d +1.3

Value63 · Δ7d +0.3

Sentiment55 · Δ7d -5.6

So what

Strength-led posture. Favor watchlist adds and disciplined entries.

Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

+1.3

Δ21d

+55.1

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.3

Δ21d

+3.8

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

-5.6

Δ21d

Why this grade

Composite grade A. Momentum 92.3 / Value 63.2 / Sentiment 54.9

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$412.87M

Beta

1.63

Shares Out

17.03M

P/E (TTM)

3.4

P/S (TTM)

0.10

P/FCF (TTM) · Derived

-0.64

Rev YoY

-5.7%

EPS YoY

-15.0%

Gross Margin

+54.4%

Op Margin

+85.8%

Net Debt

$29.91B

Current Ratio

0.11

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology