FOA
Finance of America CosANYSE / Financial Services
Last Price
At close
2026-07-20
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 +0.4.
What can break
FOA plans to prioritize deleveraging, which may constrain other capital-allocation options.
Momentum
92
Value
63
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $26.00 · Bull $31.00 · Bear $18.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-17 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-20
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $25.00
Why
Momentum92 · Δ7d -0.8
Value63 · Δ7d +0.4
Sentiment57 · Δ7d +5.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
92
26% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
+61.4
Value
63
39% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+0.6
Sentiment
57
34% active weight
Current posture
7d trendImproving
Δ7d
+5.0
Δ21d
-
Why this grade
Composite grade A. Momentum 91.8 / Value 63.4 / Sentiment 56.6
Fundamentals (TTM)As of 2026-07-17
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 2026-07-20 • Updated nightlySource: Internal modelMethodology