FOA Stock Analysis: Buy, Sell, or Hold?
FOA - Finance of America Companies Inc.
$19.63
-0.18 (-0.91%)
▼
5d:
-1.55%
30d:
-15.9%
90d:
-13.22%
BUY
HIGH Confidence
Analysis Updated: May 18, 2026 12:00 AM ET
Earnings: May 05, 2026
0d
Get Alerted When FOA Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
✅ BUY SIGNAL: FOA trading at deep discount. Market pricing in -7.9% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: FOA trading at deep discount. Market pricing in -7.9% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.39
Based on 8.3% avg growth
INTRINSIC VALUE TODAY
$23.22
15.4% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 4.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FOA is currently trading at $19.63, which is considered slightly low relative to its 30-day fair value range of $19.57 to $21.91. From a valuation perspective, the stock is trading at a discount (Forward PE: 3.7) compared to its historical average (4.7). Remarkably, the market is currently pricing in an annual earnings decline of 7.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, FOA is in a downtrend. The price is currently testing key support at $19.41. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $25.00 (+26.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FOA is in a downtrend. The price is currently testing key support at $19.41. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $25.00 (+26.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$19.57 -
$21.91
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 26.2% below Wall St target ($25.00)
Trading Range Analysis
30-Day Trading Range
$19.57 -
$21.91
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$19.41
Resistance Level
$23.13
Current Trend
Downtrend
Technical data as of
May 18, 2026
Fundamental Context
Forward P/E (Next Year Est.)
3.70
Wall Street Target
$25.00
(+26.2%)
Revenue Growth (YoY)
-27.5%
Earnings Growth (YoY)
-64.7%
Profit Margin
7.2%
Valuation Discount vs History
-7.9% cheaper
PE vs Historical
3.7 vs 4.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.9%
(market-implied from PE analysis)
1-Year Target
$18.25
(-8%)
2-Year Target
$16.80
(-15%)
3-Year Target
$15.48
(-22%)
3-Yr Target (if PE normalizes)
(PE: 4→5)
$19.64
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 12.6%)
$168.71
(+752%)
Base:
(SPY PE: 3.7, Growth: 12.6%)
$28.31
(+43%)
Bear:
(PE: 3.1, Growth: 12.6%)
$24.06
(+22%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (4x PE) as earnings recover.
Trailing PE: 9.03 | Current EPS (TTM): $2.26
Bull Case
$44.91
(+127%)
Analyst growth 100.0%, PE expands to 9.9
Base Case
$40.83
(+106%)
Market implied 100.0%, PE stable at 9.0
Bear Case
$13.88
(-30%)
Severe decline -20.0%, PE contracts to 7.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 3.7 to 4.7
Stabilization Target:
$25.14
(+26.9%)
PE Expansion Potential:
+26.9%
Share & Embed Analysis
Last updated: May 18, 2026 4:33 PM ET
Data refreshes hourly during market hours. Next update: 5:33 PM
Data refreshes hourly during market hours. Next update: 5:33 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is FOA showing a specific setup today?
Insider Activity (6 Months)
0
Buys
12
Sells
Net
INSIDERS SELLING
Recent Transactions
Jeremy Prahm
SELL
6000 shares
2026-04-20
Jeremy Prahm
SELL
5228 shares
2026-04-06
Kristen N Sieffert
SELL
750 shares
2026-04-01
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$399 | 62 BUY |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$647 | 59 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$53 | 59 HOLD |
|
AXP
American Express Company |
HOLD
30 analysts |
$362 | 64 BUY |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$83 | 51 HOLD |
