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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$16.09 - $29.58
Previous CloseN/A
Volume97.50K
Average Volume (3M)94.28K
Market Cap
$346.70M
Enterprise Value$30.29B
Total Cash (Recent Filing)$90.00M
Total Debt (Recent Filing)$30.21B
Price to Earnings (P/E)5.1
Beta0.46
Next Earnings
May 11, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.69
Shares Outstanding10,148,073
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)0.12
P/FCF Ratio-0.54
Enterprise Value/Market Cap87.37
Enterprise Value/Revenue14.13
Enterprise Value/Gross Profit24.99
Enterprise Value/Ebitda16.21
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.3
Revenue Forecast (FY)$495.37M
Bulls Say, Bears Say
Bulls Say
Improved Adjusted EBITDA & ProfitabilityA large, sustained rise in adjusted EBITDA indicates improving operating leverage and execution across origination and securitization activities. Strong adjusted profitability creates internal cash generation potential, supports reinvestment and securitization economics, and underpins longer-term margin recovery even if GAAP swings persist.
Record Securitization Bolstering Funding CapacityAbility to structure and place a nearly $2B proprietary securitization is a durable competitive capability for a mortgage platform. It evidences access to capital markets, reduces reliance on short-term warehousing, and provides a repeatable funding channel to scale originations and manage balance sheet liquidity over the medium term.
Strategic Partnership And Digital Distribution GainsA strategic alliance plus digital improvements that materially lift submissions and leads represent a structural shift in origination capacity. Expanded distribution and better lead economics reduce customer acquisition cost, diversify channels, and support sustainable funded-volume growth rather than relying solely on legacy origination methods.
Bears Say
Extremely High LeverageDebt levels massively exceed the equity base, leaving minimal capital cushion. Such elevated leverage amplifies downside risk from credit losses or market shocks, constrains strategic flexibility, increases refinancing sensitivity, and makes the firm dependent on continuous external funding and securitization markets.
Persistent Negative Operating And Free Cash FlowSustained negative operating and free cash flow forces reliance on securitizations, equity or preferred issuances to fund operations. Coupled with high debt, weak cash generation raises refinancing risk, limits self-funded growth capacity, and increases the likelihood of dilutive or costly financing over the medium term.
Earnings Volatility From Fair-value ExposuresMaterial noncash fair-value swings on retained interests and residuals create earnings volatility that obscures operating performance. This reduces predictability of reported results, complicates capital planning and covenant management, and can trigger market or creditor reactions independent of core origination trends.
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 $16.09 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 $346.70M.
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 49 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 Overvalued.
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 for its next earnings report is not yet available.
How many shares outstanding does Finance of America Companies have?
Finance of America Companies has 10,148,073 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
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
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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 earnings call revealed strong financial performance with significant improvements in adjusted net income and EBITDA, bolstered by record-breaking securitization and strategic partnerships. However, the company reported a GAAP net loss for the quarter due to external market factors, and is tracking toward the lower end of its full-year guidance.View all FOA earnings summariesTechnical Analysis
Ownership Overview
Currently, No data available
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