FOXO Technologies (FOXO) AI Stock Analysis

• Market Cap: $131.19K
• Dividend Yield: N/A
• Average Volume (3M): 10.82M
• Price to Earnings (P/E): ―
• Beta (1Y): 3.96
• 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: 655,953,900
• 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: 97.29
• Enterprise Value/Revenue: 0.86
• Enterprise Value/Gross Profit: 1.85
• Enterprise Value/Ebitda: -3.07
• 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 weighed down primarily by persistent losses and cash burn despite improving revenue and gross margin trends, which heighten dilution/financing risk. Balance-sheet leverage has improved, but valuation support is limited by a negative P/E and no dividend. Corporate actions add strategic upside, but expanded share authorization and preferred changes increase dilution risk.

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

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	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
BEAT	52 Neutral	$82.66M	-3.86	-792.01%	―	―	4.31%
Sector *	51 Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%
FOXO	45 Neutral	$131.19K	>-0.01	-728.82%	―	1049.89%	66.27%
HCTI	40 Underperform	$3.04M	>-0.01	-182.56%	―	-21.88%	68.40%
VSEE	38 Underperform	$14.04M	-0.52	―	―	187.24%	82.90%

FOXO Technologies Corporate Events

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.