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FOA Stock Chart & Stats
$22.85
$0.73(3.19%)
At close: 4:00 PM EDT
$22.85
$0.73(3.19%)
Day’s Range― - ―
52-Week Range$15.77 - $29.79
Previous Close$23.58
Volume42.69K
Average Volume (3M)94.28K
Market Cap
$552.61M
Enterprise Value$36.95K
Total Cash (Recent Filing)$85.28B
Total Debt (Recent Filing)$36.76B
Price to Earnings (P/E)―
Beta0.65
Next Earnings
Nov 11, 2026EPS Estimate
1.26Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.36
Shares Outstanding9,217,956
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$31.00Price Target Upside35.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.66
Revenue Forecast (FY)$505.98M
Bulls Say, Bears Say
Bulls Say
Fundings & Origination GrowthSustained funded-volume and submissions growth reflects durable demand and improving conversion across retail and proprietary channels. Higher funded volumes and a larger pipeline support recurring gain-on-sale and servicing opportunities, underpinning revenue stability and scalable origination economics over coming quarters.
HECM MSR Acquisition & Servicing ScaleThe Onity HECM MSR purchase materially increases servicing scale and recurring fee streams, diversifying revenue away from one-time origination gains. A larger MSR footprint gives structural revenue resilience, enhances cross-sell opportunities, and supports capital markets execution and securitization capabilities over the medium term.
Capital & Governance Actions To Reduce LeverageA clear priority to retire secured debt and the DTA allowance release signal management focus on strengthening capital structure and confidence in future earnings. Reducing high-cost secured debt and improving governance mechanisms should materially increase balance-sheet flexibility and reduce refinancing risk over a multi-quarter horizon.
Bears Say
Historically Very High LeverageExtremely high historical leverage amplifies earnings and capital volatility, constraining the company’s ability to absorb credit or market shocks. Such indebtedness increases refinancing and covenant risk and makes executing strategic investments or weathering rate cycles more difficult over the next several quarters.
Persistent Negative Operating & Free Cash FlowOngoing negative operating and free cash flow indicates the business recently consumes cash and depends on external funding or securitizations to support operations. This structural cash-generation weakness pressures liquidity, limits capacity for organic deleveraging, and raises funding risk if capital markets tighten.
GAAP Fair-Value Volatility & Rate SensitivityLarge noncash fair-value marks and convertible-note revaluations create quarter-to-quarter GAAP volatility tied to rates, spreads, and equity moves. This sensitivity complicates earnings predictability, can erode tangible equity during adverse market moves, and increases the risk profile for lenders and counterparties over time.
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 $29.79 in the past 12 months.
What is Finance of America Companies’s market cap?
Finance of America Companies’s market cap is $552.61M.
When is Finance of America Companies’s upcoming earnings report date?
Finance of America Companies’s upcoming earnings report date is Nov 11, 2026 which is in 86 days.
How were Finance of America Companies’s earnings last quarter?
Finance of America Companies released its earnings results on Aug 04, 2026. The company reported $0.84 earnings per share for the quarter, missing the consensus estimate of $1.043 by -$0.203.
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 1.26.
How many shares outstanding does Finance of America Companies have?
Finance of America Companies has 9,217,956 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 $0.84 in its last earnings report, missing expectations of $1.043. Following the earnings report the stock price went down -6.271%.
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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$31.00 (35.67% Upside)
$31.00 (35.67% Upside)
Blogger Sentiment
Neutral
FOA Sentiment 50%
Sector Average ―
Sector Average ―
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
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
6.02%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
23.78%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized clear operational improvements across demand, conversion, digital engagement and proprietary product penetration, supported by strong cash generation and a strategic acquisition (Onity MSR). Management reaffirmed full-year guidance and prioritized retiring $150 million of debt to strengthen the balance sheet. Offsetting these positives were significant noncash GAAP volatility (notably $84 million of negative fair value adjustments and a $24 million convertible note mark) and some margin sensitivity to interest rate movements, along with near-term investment-related expenses. Overall, underlying operating performance and cash generation appear strong and improving despite accounting-driven GAAP noise.View all FOA earnings summariesFOA Stock 12 Month Forecast
Average Price Target
$31.00
▲(35.67% Upside)
Technical Analysis
Consumer Portfolio Services
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Regional Management
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OneMain Holdings
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Enova International
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OppFi
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Ownership Overview
44.71% Insiders
9.60% Mutual Funds
33.03% Other Institutional Investors
1.93% Public Companies and
Individual Investors