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FOA Stock Chart & Stats
$22.85
$0.73(3.19%)
At close: 4:00 PM EDT
$22.85
$0.73(3.19%)
Day’s Range― - ―
52-Week Range$15.77 - $29.79
Previous Close$23.58
Volume42.69K
Average Volume (3M)94.28K
Market Cap
$387.33M
Enterprise Value$30.79K
Total Cash (Recent Filing)$108.00M
Total Debt (Recent Filing)$30.76B
Price to Earnings (P/E)8.4
Beta0.73
Next Earnings
Aug 04, 2026EPS Estimate
1.04Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.70
Shares Outstanding8,936,570
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)0.11
P/FCF Ratio-0.54
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$30.00Price Target Upside31.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.66
Revenue Forecast (FY)$505.96M
Bulls Say, Bears Say
Bulls Say
Proprietary Product Set & Market ShareA ~30% share in proprietary reverse products plus new first/second lien and line-of-credit offerings creates durable competitive advantage. Proprietary products and targeted 55+ focus broaden addressable market and reduce reliance on agency HECM volumes, supporting multi-year revenue resilience.
Capital Markets & Securitization CapabilityProven securitization execution and recurring portfolio-management income demonstrate structural business-model strength: ability to package loans reduces funding costs, monetizes originations, and produces capital-markets earnings that can sustain margins across rate cycles.
Active Capital Allocation & Deleveraging PriorityManagement has executed buybacks while prioritizing note retirements and raised adjusted EPS guidance, signaling disciplined capital allocation. A credible deleveraging plan and tangible equity gains improve long-term financial flexibility if consistently pursued over ensuing quarters.
Bears Say
Extremely High LeverageDebt-to-equity near 88x leaves a very thin equity cushion, materially raising financial vulnerability. High leverage constrains strategic flexibility, increases refinancing and interest-rate risk, and magnifies earnings/cash-flow shocks, requiring sustained deleveraging to normalize risk.
Persistent Negative Operating & Free Cash FlowMulti-year negative operating and free cash flow (~-$469M TTM) forces reliance on external financing or securitization to fund operations and growth. Combined with high leverage, this raises sustainability concerns for capital allocation and the pace of promised deleveraging.
Muting Of Core HECM Market VolumesA flat HECM market (~$4B/yr recent average) constrains secular demand for the company's core government-insured channel. Even with proprietary growth, muted industry volumes limit upside in agency-dependent products and increase reliance on competitive proprietary adoption.
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 $29.79 in the past 12 months.
What is Finance of America Companies’s market cap?
Finance of America Companies’s market cap is $387.33M.
When is Finance of America Companies’s upcoming earnings report date?
Finance of America Companies’s upcoming earnings report date is Aug 04, 2026 which is in 2 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 1.04.
How many shares outstanding does Finance of America Companies have?
Finance of America Companies has 8,936,570 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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10
Analyst Consensus
Moderate Buy
Average Price Target:
$30.00 (31.29% Upside)
$30.00 (31.29% Upside)
Blogger Sentiment
Neutral
FOA Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 1.4M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $2.1M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
6.02%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
5.52%
Trailing 12-Months
Company Description
Finance of America Companies
Finance of America Companies Inc. a financial service holding company, through its subsidiaries, provides home equity-based financing solutions for a modern retirement in the United States. The company operates through two segments: Retirement Solutions and Portfolio Management. It offers home equity conversion and non-agency reverse mortgage loans; and product development, loan securitization, loan sales, risk management, servicing oversight, and asset management services. The company was founded in 2013 and is headquartered in Plano, 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
$30.00
▲(31.29% Upside)
Technical Analysis
Consumer Portfolio Services
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Regional Management
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OneMain Holdings
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Enova International
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OppFi
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Ownership Overview
46.34% Insiders
9.91% Mutual Funds
10.38% Other Institutional Investors
22.36% Public Companies and
Individual Investors