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AFRM vs FOA
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AFRM is a Hold and FOA is a Buy.
AFRM in downward trend: 10-day moving average crossed below 50-day moving average on October 26, 2026
The 10-day moving average for AFRM crossed bearishly below the 50-day moving average on October 26, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 12 of 13 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 90%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The 10-day RSI Indicator for AFRM moved out of overbought territory on October 12, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 38 similar instances where the indicator moved out of overbought territory. In 32 of the 38 cases, the stock moved lower in the following days. This puts the odds of a move lower at 84%.
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on AFRM as a result. In 70 of 82 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 85%.
The Moving Average Convergence Divergence Histogram (MACD) for AFRM turned negative on November 05, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 43 similar instances when the indicator turned negative. In 36 of the 43 cases the stock turned lower in the days that followed. This puts the odds of success at 84%.
AFRM moved below its 50-day moving average on November 05, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where AFRM declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 85%.
AFRM broke above its upper Bollinger Band on October 09, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for AFRM entered a downward trend on November 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The Stochastic Oscillator shows that the ticker has stayed in the oversold zone for 3 days. The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an upward trend is expected.
Following a +2.97% 3-day Advance, the price is estimated to grow further. Considering data from situations where AFRM advanced for three days, in 240 of 293 cases, the price rose further within the following month. The odds of a continued upward trend are 82%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 23 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Price Growth Rating for this company is 62 (best 1 - 100 worst), indicating steady price growth. AFRM’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 98 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (4.191) is normal, around the industry mean (3.902). P/E Ratio (11.825) is within average values for comparable stocks, (6.401). Projected Growth (PEG Ratio) (8.155) is also within normal values, averaging (3.918). Dividend Yield (0.000) settles around the average of (0.189) among similar stocks. P/S Ratio (5.862) is also within normal values, averaging (5.901).
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. AFRM’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 80, placing this stock worse than average.
FOA's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for FOA turned positive on October 20, 2026. Looking at past instances where FOA's MACD turned positive, the stock continued to rise in 37 of 41 cases over the following month. The odds of a continued upward trend are 90%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where FOA's RSI Indicator exited the oversold zone, 32 of 38 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 84%.
The Momentum Indicator moved above the 0 level on November 04, 2026. You may want to consider a long position or call options on FOA as a result. In 80 of 94 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 85%.
Following a +21.84% 3-day Advance, the price is estimated to grow further. Considering data from situations where FOA advanced for three days, in 203 of 261 cases, the price rose further within the following month. The odds of a continued upward trend are 78%.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 52 of 59 cases where FOA's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 88%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FOA declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 84%.
FOA broke above its upper Bollinger Band on November 04, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for FOA entered a downward trend on November 10, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 2 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 22 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.339) is normal, around the industry mean (3.902). P/E Ratio (22.351) is within average values for comparable stocks, (6.401). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (3.918). Dividend Yield (0.000) settles around the average of (0.189) among similar stocks. P/S Ratio (1.401) is also within normal values, averaging (5.901).
The Tickeron SMR rating for this company is 42 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 82 (best 1 - 100 worst), indicating slightly worse than average price growth. FOA’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. FOA’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 80, placing this stock worse than average.
AFRM | FOA | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 57 | 14 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 98 Overvalued | 22 Undervalued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 23 | 42 | |
PRICE GROWTH RATING 1..100 | 62 | 82 | |
P/E GROWTH RATING 1..100 | 97 | 2 | |
SEASONALITY SCORE 1..100 | 50 | n/a |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FOA's Valuation (22) in the null industry is significantly better than the same rating for AFRM (98). This means that FOA’s stock grew significantly faster than AFRM’s over the last 12 months.
FOA's Profit vs Risk Rating (100) in the null industry is in the same range as AFRM (100). This means that FOA’s stock grew similarly to AFRM’s over the last 12 months.
AFRM's SMR Rating (23) in the null industry is in the same range as FOA (42). This means that AFRM’s stock grew similarly to FOA’s over the last 12 months.
AFRM's Price Growth Rating (62) in the null industry is in the same range as FOA (82). This means that AFRM’s stock grew similarly to FOA’s over the last 12 months.
FOA's P/E Growth Rating (2) in the null industry is significantly better than the same rating for AFRM (97). This means that FOA’s stock grew significantly faster than AFRM’s over the last 12 months.
| AFRM | FOA | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 84% | 1 day ago 84% |
| Stochastic ODDS (%) | 1 day ago 90% | 1 day ago 88% |
| Momentum ODDS (%) | 1 day ago 85% | 1 day ago 85% |
| MACD ODDS (%) | 1 day ago 84% | 1 day ago 90% |
| TrendWeek ODDS (%) | 1 day ago 85% | 1 day ago 82% |
| TrendMonth ODDS (%) | 1 day ago 85% | 1 day ago 84% |
| Advances ODDS (%) | 15 days ago 82% | 8 days ago 78% |
| Declines ODDS (%) | 3 days ago 85% | 1 day ago 84% |
| BollingerBands ODDS (%) | 3 days ago 81% | 1 day ago 80% |
| Aroon ODDS (%) | 1 day ago 90% | 1 day ago 90% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
AFRM’s FA Score shows that 1 FA rating(s) are green while FOA’s FA Score has 2 green FA rating(s).
- AFRM’s FA Score: 1 green, 4 red.
- FOA’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
AFRM’s TA Score shows that 2 TA indicator(s) are bullish while FOA’s TA Score has 4 bullish TA indicator(s).
- AFRM’s TA Score: 2 bullish, 8 bearish.
- FOA’s TA Score: 4 bullish, 4 bearish.
Price Growth
AFRM (@Savings Banks) experienced а -5.48% price change this week, while FOA (@Savings Banks) price change was -14.73% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -5.14%. For the same industry, the average monthly price growth was -8.38%, and the average quarterly price growth was -11.52%.
Reported Earning Dates
AFRM is expected to report earnings on Feb 11, 2027.
FOA is expected to report earnings on Mar 16, 2027.
Industries' Descriptions
@Savings Banks (-5.14% weekly)A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.
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FOA and
Correlation & Price change
A.I.dvisor indicates that over the last year, FOA has been loosely correlated with UPST. These tickers have moved in lockstep 41% of the time. This A.I.-generated data suggests there is some statistical probability that if FOA jumps, then UPST could also see price increases.
| Ticker / NAME | Correlation To FOA | 1D Price Change % | ||
|---|---|---|---|---|
| FOA | 100% | -3.78% | ||
| UPST - FOA | 41% Loosely correlated | -6.86% | ||
| RM - FOA | 40% Loosely correlated | -1.56% | ||
| AFRM - FOA | 40% Loosely correlated | -2.95% | ||
| ALLY - FOA | 38% Loosely correlated | -0.71% | ||
| OMF - FOA | 36% Loosely correlated | -1.77% | ||
More | ||||
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| MAYZ | 36.31 | 0.74 | +2.07% |
| TrueShares Structured Outcome (May) ETF (MAYZ) | |||
| DDLS | 44.72 | -0.04 | -0.10% |
| WisdomTree Dynamic International SmallCap Equity Fund (DDLS) | |||
| STXT | 19.07 | -0.10 | -0.50% |
| Strive Total Return Bond ETF (STXT) | |||
| ULE | 11.55 | -0.09 | -0.76% |
| ProShares Ultra Euro (ULE) | |||
| FAS | 177.66 | -3.83 | -2.11% |
| Direxion Daily Financial Bull 3X ETF (FAS) | |||