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FOXO Technologies (FOXO) AI Stock Analysis

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FOXO

FOXO Technologies

(Other OTC:FOXO)

Select Model
Rating:45Neutral
Price Target:$0.01â–¼(-94.05% Downside)
Action:reiterated
Date:01/21/26

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 GrowthFOXO's significant revenue growth indicates strong market demand and potential for scaling its innovative health solutions, enhancing long-term business prospects.
Negative Factors
High Debt LevelsHigh debt levels pose a risk to financial stability, potentially limiting FOXO's ability to invest in growth opportunities and manage economic downturns effectively.

FOXO Technologies (FOXO) vs. SPDR S&P 500 ETF (SPY)

-100%-75%-50%-25%0%25%FOXO-52.00%SPY+14.30%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
$1.69M
Dividend Yield
―
Average Volume (3M)
8,874
Price to Earnings (P/E)
0.0
Beta (1Y)
70.40
Revenue Growth
44.03%
EPS Growth
―
Country
US
Employees
230
Sector
Healthcare
Sector Strength
51
Industry
Medical - Care Facilities

FOXO Technologies Business Overview & Revenue Model

Company Description

FOXO Technologies Inc. operates as a technology platform company primarily focused on translating longevity science into practical applications for the life insurance sector. The firm is actively creating products and services that integrate scientif...

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 well...

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

18Very Negative

Balance Sheet

42Neutral

Cash Flow

14Very Negative
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue17.86M16.37M4.05M145.29K511.00K120.00K
Gross Profit8.48M8.04M1.57M12.86K167.00K120.00K
EBITDA-327.21K-8.60M-7.28M-24.11M-92.30M-37.27M
Net Income-4.60M-12.43M-12.41M-26.45M-95.25M-38.49M
Balance Sheet
Total Assets45.89M44.58M41.71M725.00K35.41M30.30M
Cash, Cash Equivalents and Short-Term Investments58.41K207.45K68.27K38.00K5.51M6.86M
Total Debt20.65M10.97M14.25M4.20M3.14M32.20M
Total Liabilities44.98M33.50M36.44M14.82M28.70M55.52M
Stockholders Equity988.31K11.14M5.32M-14.10M6.71M-25.22M
Cash Flow
Free Cash Flow208.69K-3.93M-2.84M-6.64M-25.63M-15.30M
Operating Cash Flow355.81K-3.87M-2.84M-6.64M-23.76M-15.05M
Investing Cash Flow-650.08K-655.61K13.33K0-1.87M-355.00K
Financing Cash Flow814.74K4.66M2.86M1.17M24.29M14.14M

FOXO Technologies Technical Analysis

Technical Analysis SentimentPositive
Last Price0.17

Price Trends

50DMA0.12Positive

Market Momentum

MACD0.01Negative
RSI58.30Neutral
STOCH94.83Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FOXO, the sentiment is Positive. The current price of 0.17 is above the 20-day moving average (MA) of 0.12, above the 50-day MA of 0.12, and compared to the 200-day MA of , indicating a neutral trend. The MACD of 0.01 indicates Negative momentum. The RSI at 58.30 is Neutral, neither overbought nor oversold. The STOCH value of 94.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FOXO.

FOXO Technologies Risk Analysis

FOXO Technologies disclosed 65 risk factors in its most recent earnings report. FOXO Technologies reported the most risks in the "Finance & Corporate" category.

Higher RiskSector Avg.Lower RiskFinance & CorporateTech & InnovationLegal & RegulatoryProductionAbility to SellMacro & Political
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

3 New Risks
1.The issuance of shares upon conversion of our outstanding convertible securities, together with our recently increased authorized share capital, may result in substantial dilution to our stockholders.Q2, 2026
2.We are controlled by Rennova Health, Inc., which is controlled by our Chief Executive Officer, and its interests may conflict with those of our other stockholders.Q2, 2026
3.We effected a 1-for-3,000 reverse stock split of our Class A Common Stock in June 2026, our third reverse stock split since April 2025, and the market price of our Class A Common Stock may continue to decline.Q2, 2026

FOXO Technologies Peers Comparison

Overall Rating

UnderperformOutperform
Sector (51)

Financial Indicators

FOXO against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
Sector *51Neutral$7.86B-0.30-43.30%2.27%22.53%-2.21%
BEATBEAT47Neutral$23.01M-0.79-686.78%――26.80%
FOXOFOXO45Neutral$315.04K0.03-43.80%―44.03%―
VSEEVSEE41Neutral$564.25K-0.03-400.87%―-9.31%89.42%
HCTIHCTI38Underperform$3.73M-0.00-56.46%―116.40%99.31%

* Healthcare Sector Average

Performance Comparison

-100%-50%0%50%100%FOXOHCTIBEATEUDAVSEEBFRGDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
FOXO and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
FOXOFoxo Technologies Inc.0.17-0.18-52.00%
HCTIHealthcare Triangle, Inc.4.39-2503.61-99.82%
BEATHeartbeam, Inc.0.41-1.15-73.65%
EUDAEuda Health Holdings Limited15.65-43.55-73.56%
VSEEVsee Health, Inc.0.69-58.65-98.84%
BFRGBullFrog AI Holdings, Inc.0.58-0.42-42.00%

FOXO Technologies Corporate Events

Business Operations and StrategyPrivate Placements and Financing

FOXO Technologies expands rural care with new tele-specialties

Positive
Jan 20, 2026

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...

Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and ComplianceShareholder Meetings

FOXO Technologies Expands Share Authorization and Preferred Terms

Positive
Dec 19, 2025

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 pri...

Business Operations and StrategyDelistings and Listing ChangesFinancial DisclosuresM&A Transactions

FOXO Technologies Announces Year-End Review by CEO

Positive
Dec 16, 2025

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,...

Business Operations and Strategy

FOXO Technologies’ Subsidiary Recognized for Community Impact

Positive
Dec 10, 2025

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...

DividendsRegulatory Filings and Compliance

FOXO Technologies Amends Certificate for Preferred Stocks

Neutral
Nov 4, 2025

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 am...

Regulatory Filings and Compliance

FOXO Technologies Increases Authorized Shares Significantly

Neutral
Oct 23, 2025

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 bec...

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Jan 20, 2026