Finance of America Companies (FOA)
NYSE:FOA
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FOA Stock Chart & Stats
$19.35
-$1.39(-4.41%)
At close: 4:00 PM EST
$19.35
-$1.39(-4.41%)
Day’s Range― - ―
52-Week Range$15.77 - $29.58
Previous CloseN/A
Volume97.50K
Average Volume (3M)94.28K
Market Cap
$355.78M
Enterprise Value$105.21M
Total Cash (Recent Filing)$90.00M
Total Debt (Recent Filing)$30.21B
Price to Earnings (P/E)―
Beta0.83
Next Earnings
Aug 11, 2026EPS Estimate
1.12Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.74
Shares Outstanding8,551,931
10 Day Avg. Volume77,806
30 Day Avg. Volume94,277
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)0.71
Price to Sales (P/S)0.80
P/FCF Ratio-0.54
Enterprise Value/Market Cap0.30
Enterprise Value/Revenue0.06
Enterprise Value/Gross Profit0.14
Enterprise Value/Ebitda0.06
Forecast
1Y Price Target
$22.50Price Target Upside16.28% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.5
Revenue Forecast (FY)$495.37M
Bulls Say, Bears Say
Bulls Say
Market Position & Product ExpansionMaintaining roughly 30% share in proprietary reverse products gives FOA durable competitive scale in a niche market. Combined with a broad product expansion (first/second liens, lines of credit) and a large addressable senior home-equity opportunity, the company can structurally grow originations and cross-sell to an aging demographic over multiple years.
Portfolio Securitization & Recurring IncomeDemonstrated securitization capability and recurring portfolio economics provide a durable non-origination income stream. Successfully structuring and selling pools creates fee, spread and retained-interest opportunities that diversify revenue versus pure origination cycles and can stabilize earnings across rate cycles.
Improved Profitability And Capital ActionsReturn to positive net income and rising tangible equity reflects improving operating discipline and capital generation. Coupled with raised EPS guidance and explicit deleveraging actions, this better profitability profile supports ongoing balance-sheet repair and gives management latitude to fund strategic investments or retire debt over the medium term.
Bears Say
Extremely High LeverageAn outsized debt load relative to a very small equity base creates persistent financial fragility. Such extreme leverage magnifies losses, reduces tolerance for credit or market stresses, constrains capital allocation, and limits strategic flexibility until material deleveraging occurs.
Persistent Negative Operating/free Cash FlowSustained cash outflows over multiple years imply reliance on external funding or securitization activity to meet obligations. Negative operating and free cash flow undermines internal funding for debt reduction and investments, increasing refinancing risk and making long-term deleveraging harder without improved cash conversion.
Regulatory/transactional Conditionality For MSR DealPlanned MSR acquisitions are conditional on Ginnie Mae approval and timing milestones, creating execution risk for the intended scale and fee accretion. Regulatory or timing setbacks could delay anticipated servicing income and workforce integration benefits, weakening near- to medium-term strategic outcomes tied to the transaction.
Finance of America Companies News
FOA FAQ
What was Finance of America Companies’s price range in the past 12 months?
Finance of America Companies lowest stock price was $15.77 and its highest was $29.58 in the past 12 months.
What is Finance of America Companies’s market cap?
Finance of America Companies’s market cap is $355.78M.
When is Finance of America Companies’s upcoming earnings report date?
Finance of America Companies’s upcoming earnings report date is Aug 11, 2026 which is in 96 days.
How were Finance of America Companies’s earnings last quarter?
Finance of America Companies released its earnings results on May 05, 2026. The company reported $1.1 earnings per share for the quarter, beating the consensus estimate of $0.84 by $0.26.
Is Finance of America Companies overvalued?
According to Wall Street analysts Finance of America Companies’s price is currently Undervalued.
Does Finance of America Companies pay dividends?
Finance of America Companies does not currently pay dividends.
What is Finance of America Companies’s EPS estimate?
Finance of America Companies’s EPS estimate is 1.12.
How many shares outstanding does Finance of America Companies have?
Finance of America Companies has 8,551,931 shares outstanding.
What happened to Finance of America Companies’s price movement after its last earnings report?
Finance of America Companies reported an EPS of $1.1 in its last earnings report, beating expectations of $0.84. Following the earnings report the stock price went up 5.103%.
Which hedge fund is a major shareholder of Finance of America Companies?
Currently, no hedge funds are holding shares in FOA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Finance of America Companies Stock Smart Score
Underperform
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Analyst Consensus
Moderate Buy
Average Price Target:
$22.50 (16.28% Upside)
$22.50 (16.28% Upside)
Hedge Fund Trend
Decreased
By 901.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $47.7M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
6.02%
12-Months-Change
Fundamentals
Return on Equity
14.78%
Trailing 12-Months
Asset Growth
5.45%
Trailing 12-Months
Company Description
Finance of America Companies
Finance of America Companies Inc. operates a consumer lending platform in the United States. The company operates through: Mortgage Originations, Reverse Originations, Commercial Originations, Lender Services, and Portfolio Management segments. It provides residential mortgage loans to the government sponsored entities; government-insured agricultural lending solutions to farmers; product development, loan securitization, loan sales, risk management, asset management, and servicing oversight services to enterprise and third-party funds; and ancillary business services, title agency and title insurance services, mortgage servicing rights valuation and trade brokerage, transactional fulfillment services, mortgage loan third party review or due diligence services, and appraisal and capital management services to residential mortgage, student lending, and commercial lending industry customers. The company was founded in 2013 and is based in Irving, Texas.
FOA Company Deck
FOA Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong operational momentum and marked financial improvement driven by proprietary product growth, higher submissions and conversion metrics, robust portfolio securitization activity, and raised full-year EPS guidance. Key positives include doubled adjusted EPS year-over-year, rising tangible equity, higher funded volumes, product innovation (second-lien line of credit), and improved top-of-funnel efficiency. Areas of caution are seasonal variability in originations, dependence on favorable market timing for portfolio results, regulatory timing for the PHH-related HECM servicing rights, and ongoing investments and deleveraging priorities that will influence near-term capital allocation.View all FOA earnings summariesFOA Stock 12 Month Forecast
Average Price Target
$22.50
▲(16.28% Upside)
Technical Analysis
Ownership Overview
25.75% Insiders
9.21% Mutual Funds
10.85% Other Institutional Investors
42.81% Public Companies and
Individual Investors