FOXO Technologies (FOXO) AI Stock Analysis

• Market Cap: $124.78K
• Dividend Yield: N/A
• Average Volume (3M): 10.82M
• Price to Earnings (P/E): ―
• Beta (1Y): 4.01
• Revenue Growth: 1049.89%
• EPS Growth: 66.27%
• Country: US
• Employees: 102
• Sector: Healthcare
• Sector Strength: 45
• Industry: Medical - Healthcare Information Services
• EPS (TTM): N/A
• Shares Outstanding: 2,495,661,000
• 10 Day Avg. Volume: 5,970,242
• 30 Day Avg. Volume: 10,822,142
• PEG Ratio: 0.07
• Price to Book (P/B): 14.54
• Price to Sales (P/S): 19.10
• P/FCF Ratio: -27.25
• Enterprise Value/Market Cap: 75.54
• Enterprise Value/Revenue: 0.64
• Enterprise Value/Gross Profit: 1.37
• Enterprise Value/Ebitda: -2.27
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 45 Neutral
• Price Target: $0.01 ▲(0.00% Upside)

The score is primarily held back by persistent losses and continued operating/free-cash-flow burn despite improving revenue and gross margin trends. Corporate events add mixed impact (operational progress but higher dilution risk), while valuation remains constrained by negative earnings and technicals cannot be substantiated from the missing indicator set.

Positive Factors

Revenue Growth

FOXO's significant revenue growth indicates strong market demand and potential for scaling its innovative health solutions, enhancing long-term business prospects.

Strategic Acquisitions

Strategic acquisitions expand FOXO's service offerings and market reach, positioning the company for growth and improved competitive advantage in the healthcare sector.

Partnerships and Collaborations

Partnerships enhance FOXO's market position by leveraging external networks and expertise, facilitating access to new markets and diversified revenue streams.

Negative Factors

High Debt Levels

High debt levels pose a risk to financial stability, potentially limiting FOXO's ability to invest in growth opportunities and manage economic downturns effectively.

Negative Cash Flows

Persistent negative cash flows challenge FOXO's ability to sustain operations without external financing, impacting long-term financial health and operational flexibility.

Going Concern Uncertainty

Going concern uncertainties reflect significant financial and operational challenges, raising doubts about FOXO's long-term viability and ability to meet future obligations.

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

Revenue growth and gross margin have improved, and leverage is meaningfully better (lower debt-to-equity and higher equity base). However, results are still dominated by large losses (deeply negative net margin) and ongoing cash burn with negative operating and free cash flow, keeping overall financial quality weak.

Income Statement

Top-line momentum has improved meaningfully, with revenue up ~19% in TTM (Trailing-Twelve-Months) and strong growth in 2024 off a very small base. Gross margin has also strengthened versus prior years (TTM ~47% vs. ~39% in 2024), indicating better unit economics. However, profitability remains a major weakness: TTM net loss of about $9.8M with a deeply negative net margin (~-66%) and ongoing negative operating results, suggesting the business has not yet scaled to cover operating costs.

Balance Sheet

Leverage has improved materially, with debt-to-equity down to ~0.50 in TTM (Trailing-Twelve-Months) from ~2.68 in 2024, supported by a much higher equity base (TTM equity ~$20.2M). Total debt also declined versus 2024. The key concern is that returns remain sharply negative (TTM return on equity ~-80%), reflecting continued losses and raising the risk of future dilution or financing needs if losses persist.

Cash Flow

Cash generation remains weak with negative operating cash flow in both TTM (Trailing-Twelve-Months) (~-$5.6M) and 2024 (~-$2.8M), and free cash flow is also negative (TTM ~-$5.7M). While free cash flow improved versus the prior year (positive growth rate in TTM), the company is still consuming cash to operate, leaving it dependent on external funding until operating cash flow turns sustainably positive.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	14.76M	4.05M	145.29K	511.00K	120.00K	63.00K
Gross Profit	6.90M	1.57M	12.86K	167.00K	120.00K	63.00K
EBITDA	-4.15M	-7.28M	-24.11M	-92.30M	-37.27M	-7.46M
Net Income	-9.81M	-12.41M	-26.45M	-95.25M	-38.49M	-8.65M
Balance Sheet
Total Assets	52.09M	41.71M	725.00K	35.41M	30.30M	9.42M
Cash, Cash Equivalents and Short-Term Investments	628.56K	68.27K	38.00K	5.51M	6.86M	8.12M
Total Debt	10.05M	14.25M	4.20M	3.14M	32.20M	0.00
Total Liabilities	31.96M	36.44M	14.82M	28.70M	55.52M	704.00K
Stockholders Equity	20.20M	5.32M	-14.10M	6.71M	-25.22M	8.72M
Cash Flow
Free Cash Flow	-5.74M	-2.84M	-6.64M	-25.63M	-15.30M	-481.42K
Operating Cash Flow	-5.61M	-2.84M	-6.64M	-23.76M	-15.05M	-481.43K
Investing Cash Flow	-637.54K	13.33K	0.00	-1.87M	-355.00K	-201.25M
Financing Cash Flow	6.84M	2.86M	1.17M	24.29M	14.14M	203.20M

FOXO Technologies Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.01
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Positive
• 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 0.01 is below the 20-day moving average (MA) of 0.11, below the 50-day MA of 0.25, and below the 200-day MA of 3.60, indicating a bearish trend. The MACD of -0.09 indicates Negative momentum. The RSI at 16.55 is Positive, neither overbought nor oversold. The STOCH value of 2.67 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 *	51 Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%
FOXO	45 Neutral	$124.78K	>-0.01	-728.82%	―	1049.89%	66.27%
BEAT	43 Neutral	$49.94M	-2.18	-792.01%	―	―	4.31%
HCTI	41 Neutral	$2.81M	>-0.01	-182.56%	―	-21.88%	68.40%
VSEE	38 Underperform	$11.98M	-0.48	―	―	187.24%	82.90%

FOXO Technologies Corporate Events

FOXO Technologies expands rural care with new tele-specialties

On January 18, 2026, FOXO Technologies increased its authorized common stock from 2.5 billion to 10 billion shares, a move that gives the company significantly more flexibility to raise capital, pursue corporate transactions, or support future growth initiatives. Two days later, on January 20, 2026, the company announced that its flagship rural facility, Big South Fork Medical Center in East Tennessee, had expanded its clinical capabilities by adding inpatient tele-specialty services in cardiology, pulmonology, and nephrology through a partnership with Rural Physicians Group, and by implementing on-site echocardiography with professional interpretation via CompuMed. The hospital’s enhanced diagnostic and specialty-care offering is expected to reduce patient transfers, strengthen its role as a local care hub, and support FOXO’s strategy of building a technology-enabled rural care model that could improve access, sustain operations, and potentially increase net revenues for the subsidiary and its parent.

The most recent analyst rating on (FOXO) stock is a Hold with a $0.01 price target. To see the full list of analyst forecasts on FOXO Technologies stock, see the FOXO Stock Forecast page.

FOXO Technologies Expands Share Authorization and Preferred Terms

On December 16, 2025, FOXO Technologies amended the terms of its Series B and Series C cumulative convertible redeemable preferred stock, revising the conversion price formula to the higher of $0.0001 or 90% of the average volume-weighted average price over the five trading days prior to conversion, removing the mandatory conversion provision, and exempting dividends paid to holders of its Series E cumulative redeemable secured preferred stock from certain restrictions. On the same date, majority stockholder Rennova Health, Inc., controlled by FOXO’s CEO, used its approximately 98.6% voting control to approve, by written consent, an increase in authorized Class A common shares from 2.5 billion to 10 billion and preferred shares from 10 million to 20 million, to be effected at the board’s discretion before April 30, 2026, as well as the re-election of the existing board and the non-binding ratification of Kreit & Chiu CPA LLP as auditor for 2025, moves that significantly expand FOXO’s capital-raising flexibility and consolidate existing governance and oversight structures ahead of potential future financing or strategic actions.

FOXO Technologies Announces Year-End Review by CEO

On December 15, 2025, FOXO Technologies Inc. announced a year-end review by CEO Seamus Lagan, highlighting significant milestones and strategic acquisitions in 2025. The company expanded its healthcare portfolio by acquiring Myrtle Recovery Centers, Rennova Community Health, and Vector BioSource, enhancing its market position in healthcare and pharmaceutical services. Myrtle Recovery Centers, since its opening in August 2023, has become a leading provider of substance use disorder treatments in Tennessee, while Rennova’s Scott County Community Hospital continues to serve its community with expanded services. The acquisition of Vector BioSource positions FOXO as a growing player in pharmaceutical services, with expectations of substantial revenue growth. Financially, FOXO reported increased revenues and equity, reduced debt, and resolved legacy liabilities, while planning further acquisitions through its newly formed subsidiary, FOXO Acquisition Corporation. Despite losing its NYSE American listing, FOXO aims to relist its common stock in 2026.

FOXO Technologies’ Subsidiary Recognized for Community Impact

On December 9, 2025, FOXO Technologies announced that its subsidiary, Myrtle Recovery Centers, was recognized by the Rural Health Association of Tennessee for its significant community impact. This recognition highlights Myrtle’s success in providing accessible behavioral health care across Tennessee, serving patients from 63 counties, and supports FOXO’s strategy to expand its services and facilities in rural areas.

FOXO Technologies Amends Certificate for Preferred Stocks

On October 29, 2025, FOXO Technologies Inc. amended its Certificate of Incorporation concerning its Series D and Series E Preferred Stocks. The amendment for Series D Preferred Stock revises the conversion price, while the Series E Preferred Stock amendment clarifies the dividend payment schedule to be semi-annual.

FOXO Technologies Increases Authorized Shares Significantly

FOXO Technologies Inc., a Delaware corporation, has increased its authorized shares of Common Stock from 500,000,000 to 2,500,000,000 shares. This amendment to the Certificate of Incorporation was filed with the Secretary of State of Delaware and became effective on October 22, 2025, potentially impacting the company’s market operations and shareholder value.