Finance of America Companies (FOA)
NYSE:FOA
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
$319.20M
Enterprise Value$30.31B
Total Cash (Recent Filing)$90.00M
Total Debt (Recent Filing)$30.21B
Price to Earnings (P/E)5.1
Beta0.63
Next Earnings
May 11, 2026EPS Estimate
0.84Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.69
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 Cap94.96
Enterprise Value/Revenue17.61
Enterprise Value/Gross Profit39.35
Enterprise Value/Ebitda16.22
Forecast
1Y Price Target
$22.50Price Target Upside16.28% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.3
Revenue Forecast (FY)$495.37M
Bulls Say, Bears Say
Bulls Say
Profitability Recovery & 2026 GuidanceManagement's multi-quarter recovery to positive adjusted earnings and explicit 2026 EPS/volume guidance indicate underlying operating improvements are durable. A clear earnings run-rate and prospective volume growth support internal cash generation, improving capacity to reduce leverage and fund strategic actions over the medium term.
Strong Origination And Revenue ReboundConsistent origination growth and a material revenue rebound reflect restored market demand and execution in core mortgage products. Higher originations bolster fee income, securitization economics and scale, providing a more durable revenue base that supports earnings across multiple rate cycles if sustained.
Operational & Digital Efficiency GainsMeaningful digital and AI-driven conversion improvements reduce customer acquisition costs and shorten funnel time, increasing unit economics sustainably. These productivity gains can scale with volumes, improving margins and competitive position over time by lowering variable costs and enhancing retention.
Bears Say
Extremely High LeverageAn outsized debt load relative to a tiny equity base sharply limits financial flexibility and amplifies downside risk from credit or market shocks. High leverage raises refinancing and covenant risk, constrains capital allocation, and leaves limited equity cushion to absorb losses over the medium term.
Persistent Negative Operating And Free Cash FlowSustained cash outflows mean the company must rely on external warehouse financing or capital markets to fund originations and debt service. Negative FCF undermines self-funded deleveraging and elevates liquidity risk, making long-term stability contingent on continued access to favorable funding.
GAAP Volatility & Rate/spread SensitivityEarnings and reported results are materially affected by noncash fair-value adjustments and market spread moves, reducing predictability of GAAP earnings and complicating capital planning. Persistent sensitivity to rates/spreads elevates earnings volatility and investor uncertainty across reporting periods.
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 $319.20M.
When is Finance of America Companies’s upcoming earnings report date?
Finance of America Companies’s upcoming earnings report date is May 11, 2026 which is in 29 days.
How were Finance of America Companies’s earnings last quarter?
Finance of America Companies released its earnings results on Mar 10, 2026. The company reported $0.69 earnings per share for the quarter, beating the consensus estimate of $0.647 by $0.043.
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 0.84.
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 $0.69 in its last earnings report, beating expectations of $0.647. Following the earnings report the stock price went down -1.307%.
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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10
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
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasizes strong operational momentum, large year-over-year improvements in adjusted earnings and revenue, meaningful originations growth, technological/digital gains (AI-powered conversion improvements and faster digital funnel metrics), and improved cash flow and capitalization. Key risks highlighted were GAAP volatility driven by noncash fair-value adjustments, remaining corporate leverage and near-term capital allocation trade-offs that constrain share repurchases. Management provided clear plans to pay down debt and reiterated 2026 growth and earnings guidance, indicating confidence in sustainability of the improving underlying economics.View all FOA earnings summariesFOA Stock 12 Month Forecast
Average Price Target
$22.50
▲(16.28% Upside)
Technical Analysis
Ownership Overview
Currently, No data available
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