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
$328.75M
Enterprise Value$30.82B
Total Cash (Recent Filing)$108.00M
Total Debt (Recent Filing)$30.76B
Price to Earnings (P/E)4.7
Beta0.73
Next Earnings
Aug 11, 2026EPS Estimate
1.12Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.70
Shares Outstanding8,891,776
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 Cap93.76
Enterprise Value/Revenue14.74
Enterprise Value/Gross Profit41.03
Enterprise Value/Ebitda58.72
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
Improved ProfitabilityFOA has returned to positive net and adjusted earnings with a large YoY EPS improvement and rising tangible equity. Sustained profitability strengthens internal capital generation, supports deleveraging plans and funding flexibility, and reduces dependence on external equity over the medium term.
Product & Market PositionA leading share in proprietary reverse products and new second‑lien/line‑of‑credit offerings expand addressable markets and deepen customer relationships. Proprietary products improve pricing power and recurring fee potential, supporting more durable margins and competitive differentiation.
Securitization & Portfolio IncomeProven securitization and portfolio management capabilities generate fee and retained‑interest income while enabling loan funding and risk transfer. This structural capability supports diversified, repeatable cash generation beyond origination gains and strengthens capital markets execution.
Bears Say
Extremely High LeverageDebt vastly exceeds equity, leaving a thin capital cushion. Such leverage amplifies earnings volatility, limits strategic flexibility, increases refinancing and covenant risk, and makes sustained deleveraging a multi‑period priority that will constrain investment and capital allocation.
Persistent Negative Cash FlowMulti-year negative operating and free cash flow forces reliance on external funding and securitization timing to meet obligations. Weak cash conversion reduces capacity to repay debt, fund growth or absorb shocks, making leverage reduction and liquidity management critical risks.
Regulatory & Industry ConstraintsKey asset transfers and servicing economics depend on regulatory consent and timing, which can delay expected benefits. Coupled with structurally muted HECM industry volumes versus peak years, regulatory and market limits constrain growth and the pace at which FOA can scale core products.
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 $328.75M.
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 61 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 8,891,776 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 1.4M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $174.8K 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 as a comprehensive financial services provider, offering a wide array of consumer lending solutions throughout the United States. Its business activities are structured across five principal divisions: originating traditional mortgages, reverse mortgages, and commercial loans; providing extensive services to lenders; and managing investment portfolios. The company's offerings include extending residential mortgage credit, often to government-sponsored entities, and delivering government-backed agricultural financing options specifically tailored for farmers. For institutional clients and third-party funds, Finance of America furnishes a complete suite of services such as product innovation, loan securitization, sales facilitation, risk management, asset administration, and servicing oversight. Furthermore, it supplies various auxiliary and technical services like title agency operations, title insurance, valuation and brokerage of mortgage servicing rights, transactional processing, independent loan review and due diligence, as well as appraisal and capital management services. These diverse services cater to a broad client base within the residential mortgage, student lending, and commercial financing industries. Founded in 2013, the company's main office is located 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
36.83% Insiders
10.65% Mutual Funds
33.15% Other Institutional Investors
8.32% Public Companies and
Individual Investors