On the stock market since 2019, it operates in the world of money and finance. It has 783 employees. Now — the numbers.
This is an established company with proven profits.
Revenue is spread across several business lines; no single line carries the company.
Average growth of 13% a year over the last 4 years. Red columns mark years that ended in a loss.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
angles, checked one by one.
The 3 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Executive Buying: The trades send no strong signal of confidence.
An investor who bought at the very peak is down 65% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Over the last 3 years, sales grew about 46% a year on average.
The average analyst price target is $30.00 — 48% above today’s price.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 1/100.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 11/100. For a turnaround signal, the stock first needs to close the gap with the market.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 23/100.
On our five-subject report card, FOA sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: FOA is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Analysts’ average target sits above today’s price, yet the valuation grade (28/100) says the stock isn’t cheap.