FOXO Technologies (FOXO) AI Stock Analysis

• Market Cap: $2.81M
• Dividend Yield: N/A
• Average Volume (3M): 7.83M
• Price to Earnings (P/E): ―
• Beta (1Y): 3.10
• Revenue Growth: 1397.08%
• EPS Growth: 89.53%
• Country: US
• Employees: 102
• Sector: Healthcare
• Sector Strength: 39
• Industry: Medical - Healthcare Information Services
• EPS (TTM): -9.99
• Shares Outstanding: 3,930,024
• 10 Day Avg. Volume: 21,856,284
• 30 Day Avg. Volume: 7,834,123
• PEG Ratio: -0.04
• Price to Book (P/B): <0.01
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.86
• Enterprise Value/Market Cap: 6.03
• Enterprise Value/Revenue: 2.89
• Enterprise Value/Gross Profit: 10.81
• Enterprise Value/Ebitda: -0.40
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

FOXO Technologies receives a low overall stock score primarily due to significant financial challenges, including continuous net losses, high debt, and negative cash flows. The technical analysis also suggests bearish momentum. Although valuation metrics are poor, recent corporate actions, such as acquisitions and restructuring, provide some hope for future improvement. However, these are not sufficient to outweigh the current financial and operational challenges facing the company.

FOXO Technologies Business Overview & Revenue Model

Company Description

FOXO Technologies Inc., a technology platform company, focuses on commercializing longevity science through products and services that serve the life insurance industry. The company is developing products and services that combine longevity science with life insurance to support the consumer health and wellness engagement, and to simplify the consumer underwriting journey. It offers FOXO Labs, a services platform that integrates saliva-based epigenetic biomarkers into accelerated underwriting protocols to improve the customer underwriting journey; and FOXO Life, an insurance products platform that offers proprietary life insurance products and third-party life insurance carrier products based on bundling longevity science with life insurance. The company was founded in 2019 and is based in Minneapolis, Minnesota.

How the Company Makes Money

FOXO Technologies generates revenue through a combination of direct-to-consumer sales and B2B partnerships. The company offers epigenetic testing services directly to consumers, allowing individuals to gain insights into their biological age and wellness indicators. Additionally, FOXO collaborates with health and wellness companies to integrate its biomarker technologies into their products and services, creating licensing and partnership opportunities. These collaborations enable FOXO to access new markets and expand its revenue streams. The company's revenue model is supported by ongoing advancements in epigenetic science and a growing consumer interest in personalized health solutions.

FOXO Technologies Financial Statement Overview

Summary

FOXO Technologies faces significant financial challenges, including sustained net losses, high debt levels, and negative cash flows. Despite strong revenue growth due to a low base effect, the company has not achieved profitability. The financial health is concerning with potential liquidity and solvency risks.

Income Statement

FOXO Technologies shows a consistent pattern of significant net losses and negative profit margins. The gross profit margin for 2024 was 38.68%, but net income was substantially negative at -$12.4 billion, leading to a negative net profit margin. Revenue growth year-over-year was exceptionally high due to a low base effect, but the overall financial health is concerning with sustained losses.

Balance Sheet

The balance sheet shows a high level of debt with a debt-to-equity ratio of approximately 3.06. Stockholders' equity is positive but relatively low compared to total debt. The equity ratio is about 12.77%, indicating a heavy reliance on debt financing, which poses a risk if profits do not improve.

Cash Flow

The cash flow situation is troubling, with negative operating and free cash flows, indicating the company is not generating sufficient cash to cover its operations. The free cash flow to net income ratio is negative, highlighting issues in cash generation relative to net losses.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
4.05M	145.00K	511.00K	120.00K	63.00K
	Gross Profit
1.57M	13.00K	167.00K	120.00K	63.00K
	EBIT
-7.76M	-22.19M	-30.08M	-15.03M	-8.73M
	EBITDA
-7.28M	-24.25M	-92.09M	-37.04M	-7.66M
	Net Income Common Stockholders
-12.41M	-26.45M	-148.90M	-40.01M	-8.59M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
68.27K	38.00K	5.51M	6.86M	8.12M
	Total Assets
41.71B	725.00K	35.41M	30.30M	9.42M
	Total Debt
14.25M	4.20M	3.14M	32.20M	0.00
	Net Debt
14.19M	4.17M	-2.38M	25.35M	-8.12M
	Total Liabilities
36.44B	14.82M	28.70M	55.52M	704.00K
	Stockholders Equity
5.32B	-14.10M	6.71M	-25.22M	8.72M
Cash Flow		Free Cash Flow
-2.84M	-6.64M	-25.63M	-15.30M	-7.06M
	Operating Cash Flow
-2.84M	-6.64M	-23.76M	-15.05M	-7.04M
	Investing Cash Flow
13.33K	0.00	-1.87M	-355.00K	-420.00K
	Financing Cash Flow
2.86M	1.17M	24.29M	14.14M	14.14M

FOXO Technologies Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.68
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FOXO, the sentiment is Negative. The current price of 0.68 is below the 20-day moving average (MA) of 0.84, below the 50-day MA of 1.18, and below the 200-day MA of 2.31, indicating a bearish trend. The MACD of -0.13 indicates Negative momentum. The RSI at 42.14 is Neutral, neither overbought nor oversold. The STOCH value of 5.38 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FOXO.

FOXO Technologies Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	52 Neutral	$5.14B	3.39	-43.55%	2.83%	16.49%	-0.19%
STRM	43 Neutral	$11.07M	―	-65.35%	―	-20.67%	―
ICCT	37 Underperform	$4.75M	―	-1718.32%	―	42.66%	-98.89%
HCTI	27 Underperform	$9.63M	―	-292.41%	―	-64.77%	43.53%
FOXO	22 Underperform	$2.81M	―	-467.31%	―	1397.08%	89.53%

FOXO Technologies Corporate Events

FOXO Technologies Completes Reverse Stock Split

On April 28, 2025, FOXO Technologies Inc. completed a 1 for 10 reverse stock split, effectively reducing its outstanding common stock from approximately 38.7 million shares to about 3.87 million shares. This strategic move, approved by the company’s directors and shareholders, aims to consolidate shares and adjust stock options and warrants, potentially impacting the company’s market positioning and shareholder value.

Spark’s Take on FOXO Stock

According to Spark, TipRanks’ AI Analyst, FOXO is a Underperform.

FOXO Technologies receives a low overall stock score primarily due to significant financial challenges, including continuous net losses, high debt, and negative cash flows. The technical analysis also suggests bearish momentum. Although valuation metrics are poor, recent corporate actions, such as acquisitions and restructuring, provide some hope for future improvement. However, these are not sufficient to outweigh the current financial and operational challenges facing the company.

To see Spark’s full report on FOXO stock, click here.

FOXO Technologies Announces Reverse Stock Split

On April 17, 2025, FOXO Technologies Inc. announced a 1 for 10 reverse stock split of its Class A common stock, effective April 28, 2025. This move, approved by shareholders in November 2024, aims to comply with NYSE American’s listing requirements and is not expected to impact the company’s operations. The reverse split will adjust stock options, warrants, and equity incentive plans proportionately, ensuring uniform effects across all shareholders.

Spark’s Take on FOXO Stock

According to Spark, TipRanks’ AI Analyst, FOXO is a Underperform.

FOXO Technologies faces significant financial challenges, including ongoing losses and high leverage, which weigh heavily on its overall stock score. Technical analysis suggests bearish trends, while valuation metrics highlight profitability issues. However, recent corporate actions offer some optimism for future stability and growth.

To see Spark’s full report on FOXO stock, click here.

FOXO Technologies Files Annual Report with Concerns

On April 16, 2025, FOXO Technologies Inc. announced the filing of its Annual Report on Form 10-K for the year ending December 31, 2024. The report includes an audit opinion highlighting concerns about the company’s ability to continue as a going concern. Despite these challenges, FOXO completed acquisitions of Myrtle Recovery Centers, Inc. and Rennova Community Health, Inc. in 2024, positioning itself for growth in 2025.

Spark’s Take on FOXO Stock

According to Spark, TipRanks’ AI Analyst, FOXO is a Underperform.

FOXO Technologies faces significant financial challenges, including ongoing losses and high leverage, which weigh heavily on its overall stock score. Technical analysis suggests bearish trends, while valuation metrics highlight profitability issues. However, recent corporate actions offer some optimism for future stability and growth.

To see Spark’s full report on FOXO stock, click here.

FOXO Technologies Announces Acquisition of Vector Biosource

On March 19, 2025, FOXO Technologies Inc. announced a non-binding agreement to acquire Vector Biosource Inc., a provider of information and biospecimen sourcing for the biotechnology, clinical research, and pharmaceutical industries. The acquisition is expected to enhance FOXO’s strategic positioning by expanding its platform and providing growth capital and corporate infrastructure to Vector, potentially increasing revenues and synergies with other FOXO subsidiaries.

FOXO Technologies’ Subsidiary Achieves Stable Occupancy Rates

On March 12, 2025, FOXO Technologies announced that its subsidiary, Myrtle Recovery Centers, Inc., has stabilized its Oneida, Tennessee facility with a consistent occupancy rate of 75% or higher since early 2025 and has finalized contracts with major managed care organizations. Additionally, Myrtle will participate as a Silver Sponsor in the ETAADAC Conference in Knoxville, Tennessee, from March 19-21, 2025, which will gather industry leaders to discuss addiction counseling and treatment advancements.

FOXO Technologies Announces Acquisition of Florida Facilities

On February 24, 2025, FOXO Technologies Inc. announced a non-binding acquisition agreement for two assisted living facilities in Florida, valued at $60 million. The acquisition is expected to diversify FOXO’s healthcare offerings and create significant value for shareholders, with completion anticipated within 120 days, subject to due diligence and financing conditions.