Should I Buy FOA? FOA 2026 Analysis

Should You Buy Finance of America Companies Inc (FOA) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

21.880

1 Day change

0.37%

52 Week Range

29.580

Analysis Updated At

2026/02/04

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Not a good buy right now for an impatient entry: momentum is still bearish (MACD histogram below 0 and expanding) and price is sitting just above near-term support.
Options positioning is extremely call-heavy (very low put/call ratios), which can be bullish, but volume is tiny—so it’s not a strong conviction signal.
With earnings on 2026-02-10 (after hours) and the latest quarter showing worsening losses, the near-term risk/reward isn’t attractive for an immediate buy.
Intellectia Proprietary Trading Signals
- AI Stock Picker: No signal on given stock today.
- SwingMax: No signal on given stock recently.

Technical Analysis

Trend/Momentum: Bearish near-term momentum—MACD histogram at -0.13 and negatively expanding suggests downside pressure is increasing.
RSI: RSI(6) ~30.1 (borderline oversold). This can support a short bounce, but it’s not a confirmed reversal by itself.
Moving averages: Converging MAs = indecision/transition phase, not a clean uptrend.
Key levels: Pivot 23.386 (price below pivot is a mild negative). Support S1 22.561 then S2 22.051; Resistance R1 24.211 then R2 24.721.
Practical read: At ~22.8, FOA is close to support—risk of a breakdown remains if 22.56 fails; a bullish shift would need reclaiming 23.39+ and pushing toward 24.21.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Sentiment skew: Extremely call-dominated positioning (OI put/call 0.02; volume put/call 0.0), typically a bullish/speculative tilt.
Activity: Very low absolute volume (only 9 contracts today; 0 puts), so the skew is less reliable.
Volatility: IV (30d) 64.52 vs historical vol 39.9 = options priced rich; IV percentile 33 and IV rank ~20.9 indicates IV is not at extremes vs its own history.
Interpretation: Market is not hedging much with puts, but the signal strength is limited due to thin liquidity/volume.

Technical Summary

Sell

Buy

Positive Catalysts

holds.

Neutral/Negative Catalysts

- Technical momentum is still bearish (negative and expanding MACD histogram), increasing odds of support retest/break.
- Event risk: Earnings in a few days can create sharp moves; with weak recent fundamentals, downside surprise risk is meaningful.
- No supportive news flow: No recent news catalysts to shift sentiment near-term.
- Influential/Political flows: No recent congress trading data available; insiders show no strong buying trend recently (neutral).

Financial Performance

Latest reported quarter: 2025/Q3.
Revenue: 554.364M, down -0.64% YoY (slight contraction, not a growth profile).
Profitability: Net income -9.515M, down -111.30% YoY (losses worsened materially).
EPS: -1.05, down -112.38% YoY (earnings power deteriorating).
Gross margin: 95.4, down -3.40% YoY (margin compression vs last year).
Bottom line: Growth is weak and profitability trend is negative going into the next earnings event.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Most recent update: 2025-11-26 UBS lowered price target to $29.50 from $32 and maintained Neutral.
Trend summary: Latest action is a price-target cut (incrementally bearish), while the rating stayed neutral (no strong conviction to buy).
Wall Street pros: Still sees upside to current price via PT, and neutral stance implies “not broken enough to sell, not strong enough to buy.”
Wall Street cons: PT cut signals reduced confidence/expectations, aligning with weak recent financial performance.

1 Analyst Rating

Wall Street analysts forecast FOA stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FOA is 29.5 USD with a low forecast of 29.5 USD and a high forecast of 29.5 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

1 Hold

0 Sell

Hold

Current: 21.800

Low

29.5

Averages

29.5

High

29.5

Current: 21.800

Low

29.5

Averages

29.5

High

29.5

UBS

Neutral

downgrade

$32

AI Analysis

2025-11-26

Reason

UBS

Price Target

$32

AI Analysis

2025-11-26

downgrade

Neutral

Reason

UBS lowered the firm's price target on Finance of America to $29.50 from $32 and keeps a Neutral rating on the shares.

UBS

Neutral

maintain

$25

2025-07-15

Reason

UBS

Price Target

$25

2025-07-15

maintain

Neutral

Reason

UBS raised the firm's price target on Finance of America to $25 from $22.50 and keeps a Neutral rating on the shares.

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FOA Should I Buy

FOA Should I Buy

Should You Buy Finance of America Companies Inc (FOA) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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