Is FOA or ONIT more undervalued in 2026?

CirclFi compares Finance of America Companies In (FOA) and Onity Group Inc. (ONIT) using 13 institutional-grade valuation models. FOA has a Quality of Company score of 6.6/10 while ONIT scores 6.3/10.

Which is a better buy — FOA or ONIT?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FOA and ONIT valuations compare?

FOA at $19.92 and ONIT at $34.54 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FOA vs ONIT Valuation Comparison 2026 — Intrinsic Value Analysis

FOA

Mortgage Bankers & Loan Correspondents

Finance of America Companies In

Quality

6.6

out of 10

Value Trap

LOW

Price

$19.92

Last close

Models

6/13

Active

ONIT

Mortgage Bankers & Loan Correspondents

Onity Group Inc.

Quality

6.3

out of 10

Value Trap

SAFE

Price

$34.54

Last close

Models

3/13

Active

Model-by-Model Comparison

Model	Type	FOA Fair Value	FOA Upside	ONIT Fair Value	ONIT Upside
Earnings Power Value	Intrinsic	$109.79	+451.2%	—	—
EROIC Spread	Intrinsic	$49.00	+146.0%	—	—
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$51.63	+159.2%	$57.53	+66.6%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$0.25	-98.8%	$43.56	+26.1%

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FOA vs ONIT — Which Stock Is More Undervalued?

FOA scores higher with a 6.6/10 quality rating vs ONIT's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Finance of America Companies In (FOA) and Onity Group Inc. (ONIT) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FOA currently trades at $19.92 with a QOC of 6.6/10, while ONIT trades at $34.54 with a QOC of 6.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).