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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
$467.31M
Enterprise Value$30.82B
Total Cash (Recent Filing)$108.00M
Total Debt (Recent Filing)$30.76B
Price to Earnings (P/E)10.0
Beta0.65
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 Cap65.96
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
Market Position & Product ExpansionFOA’s ~30% share in proprietary reverse products plus expansion into HomeSafe Second and a second‑lien line of credit create durable competitive moats in the senior home‑equity niche. Product diversification across first/second liens and lines of credit broadens addressable use cases within a large $14.6T senior home‑equity market, supporting multi‑year organic growth and pricing flexibility independent of short‑term origination cycles.
Sustained Profitability ImprovementThe shift to positive net income and a strong YoY jump in adjusted EPS, accompanied by raised full‑year guidance, indicates a structural improvement in core earnings power and operating execution. Consistent profitability and credible guidance increase retained earnings and tangible equity over time, enabling reinvestment, toxic debt paydown, and sustained funding for strategic initiatives versus a one‑off seasonal bounce.
Capital Markets & Securitization CapabilityDemonstrated ability to securitize $1.7B and produce recurring portfolio income is a structural advantage: it converts originations into liquid, off‑balance assets and repeatable fee/income streams. Robust capital‑markets execution supports cash generation, funds deleveraging, and reduces reliance on held‑balance funding, strengthening long‑term business resilience across rate cycles.
Bears Say
Extremely High LeverageFOA’s capital structure is dominated by debt relative to a very thin equity base, leaving minimal capital cushion against losses or market dislocation. An ~88x debt‑to‑equity ratio materially increases refinancing and liquidity risk, constrains strategic flexibility, and amplifies downside volatility in earnings or securitization spreads over the medium term if originations or portfolio marks deteriorate.
Multi-year Negative Operating/free Cash FlowSustained negative operating and free cash flow across multiple years reduces the company’s ability to self‑fund growth and deleveraging, increasing dependence on securitizations, debt markets, or equity actions. Persistent cash outflows heighten refinancing risk given the already elevated leverage and make long‑term capital allocation sensitive to capital‑market access and interest‑rate cycles.
Regulatory Timing & Muted Core Industry VolumesKey portfolio and MSR transactions depend on regulatory approval, creating execution risk and uncertain timing for gains tied to MSR transfers. At the same time, government‑insured HECM volumes have been muted and flat, constraining organic growth in FOA’s core channel and making near‑term earnings and cash generation sensitive to timing and approval of large servicing transfers.
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 $467.31M.
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 41 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 $2.1M 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
10.17%
Trailing 12-Months
Asset Growth
5.52%
Trailing 12-Months
Company Description
Finance of America Companies
Finance of America Companies Inc. a financial service holding company, through its subsidiaries, provides home equity-based financing solutions for a modern retirement in the United States. The company operates through two segments: Retirement Solutions and Portfolio Management. It offers home equity conversion and non-agency reverse mortgage loans; and product development, loan securitization, loan sales, risk management, servicing oversight, and asset management services. The company was founded in 2013 and is headquartered in Plano, 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
36.73% Insiders
9.94% Mutual Funds
33.15% Other Institutional Investors
6.94% Public Companies and
Individual Investors