Is FOA a good stock to buy right now?

Based on our 6-factor quantitative model, Finance of America Companies Inc. (FOA) receives a "Reduce" rating with a composite score of 35.8/100. It is ranked #3,684 out of 4,446 stocks. Key factor scores: Quality 10/100, Value 80/100, Momentum 27/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for FOA?

Finance of America Companies Inc. (FOA) has a "Reduce" rating and 2-star score. The composite score of 35.8 ranks it #3,684 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is FOA in?

Finance of America Companies Inc. operates in the Financials sector (Banking industry) with a market cap of $147 million. It is classified as a micro-cap stock.

Does FOA pay a dividend?

FOA does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is FOA's P/E ratio?

FOA has a trailing P/E ratio of 0.46x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is FOA?

FOA's quality factor score is 10/100. ROE: 83.1% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is FOA valued compared to peers?

FOA's value factor score is 80/100 (higher = cheaper). Key multiples: P/E 0.5x, EV/EBITDA 1.3x. The stock appears attractively valued versus peers.

What is FOA's debt level?

FOA's debt-to-equity ratio is 90%. Sector average: 121%. Moderate leverage is normal for established companies.

FOA has a beta of 0.98, meaning it tracks the market. Stability score: 49/100.

Does FOA have high short interest?

FOA's short interest factor score is 61/100 (higher = less short selling). Moderate short interest.

FOA Stock Analysis: Top Micro-Cap Reduce (Score 35.8/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
FOA	+1.49%	+7.96%	+8.69%	-20.98%	+2.46%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	+1.55%	+4.35%	+8.36%	-20.62%	-27.06%	-	-	-
Alpha vs Sector	+2.58%	+5.45%	+7.27%	-13.68%	-8.12%	-	-	-

Metric	FOA	Benchmark
P/E Ratio	0.5x	-97%
EV/EBITDA	1.3x	-60%
Price / Book	0.4x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
FOA Finance of America Companies Inc.	36	10	80	27	0.5x	83.1%	-	30.9%	2.3%	90.0x	$147M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019
Gross Margin %	-	-	-	-	-	-	1.0%	0.5%
Operating Margin %	0.4%	0.3%	-0.0%	-0.7%	-1.0%	0.0%	0.3%	0.2%
EBITDA Margin %	0.5%	0.3%	0.1%	-0.5%	-0.9%	0.1%	0.3%	-
Net Margin %	0.3%	0.2%	0.1%	-0.9%	-1.2%	-0.7%	0.3%	0.1%
FCF Margin %	-	-	-	-	-	-	-38.6%	-
ROE %	0.8%	0.3%	0.1%	-0.8%	-1.8%	-1.1%	-1,258.7%	-18.7%
ROA %	0.0%	0.0%	0.0%	-0.0%	-0.0%	-0.1%	1.7%	0.0%
ROIC %	0.5%	13.4%	-0.6%	-18.2%	-56.5%	2.6%	12.2%	-

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

Gross Margin %

1.0%

0.5%

Operating Margin %

0.4%

0.3%

-0.0%

-0.7%

-1.0%

0.0%

0.3%

0.2%

EBITDA Margin %

0.5%

0.3%

0.1%

-0.5%

-0.9%

0.1%

0.3%

Net Margin %

0.3%

0.2%

0.1%

-0.9%

-1.2%

-0.7%

0.3%

0.1%

FCF Margin %

-38.6%

ROE %

0.8%

0.3%

0.1%

-0.8%

-1.8%

-1.1%

-1,258.7%

-18.7%

ROA %

0.0%

-0.0%

-0.1%

1.7%

0.0%

ROIC %

0.5%

13.4%

-0.6%

-18.2%

-56.5%

2.6%

12.2%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019
	$714M	$497M	$338M	$234M	$573M	$1.7B	$1.8B	$0
	—	—	—	—	—	—	$1.8B	$0
Gross Margin	---	---	---	---	---	---	100.0%	46.7%
	—	$39M	$39M	$42M	$65M	$53M	$19M	$0
Total Operating Expenses	—	$370M	$344M	$392M	$1.1B	$1.6B	—	—
	$354M	$128M	-$6M	-$158M	-$575M	$36M	$506M	-$327K
EBIT	$354M	$128M	-$6M	-$158M	-$575M	$36M	$506M	-$327K
EBITDA	$392M	$166M	$33M	-$115M	-$510M	$89M	$520M	$198M
Operating Margin	35.1%	25.7%	-1.6%	-67.3%	-100.4%	2.1%	28.1%	17.6%
EBITDA Margin	55.0%	33.5%	9.9%	-49.3%	-89.0%	5.1%	28.9%	---
	—	—	—	$119M	$152M	$142M	—	—
	—	$113M	$43M	-$167M	-$732M	-$1.2B	—	—
Income Tax Expense	—	$4M	$2M	-$593K	-$17M	-$20M	$2M	—
	$329M	$103M	$36M	-$218M	-$716M	-$1.2B	$498M	$4M
Net Margin	30.9%	20.7%	10.5%	-93.1%	-124.8%	-67.8%	27.7%	7.7%
	$4.72	$4.72	$1.57	$-0.98	$-3.06	-	$0.00	-
Diluted EPS	$4.72	$3.74	$1.18	$-0.98	$-3.12	-	$0.00	-
Weighted Avg Basic	—	10M	10M	82M	62M	—	—	—
Weighted Avg Diluted	—	27M	23M	82M	188M	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

$714M

$497M

$338M

$234M

$573M

$1.7B

$1.8B

—

$1.8B

Gross Margin

---

100.0%

46.7%

—

$39M

$42M

$65M

$53M

$19M

Total Operating Expenses

—

$370M

$344M

$392M

$1.1B

$1.6B

—

$354M

$128M

-$6M

-$158M

-$575M

$36M

$506M

-$327K

EBIT

$354M

$128M

-$6M

-$158M

-$575M

$36M

$506M

-$327K

EBITDA

$392M

$166M

$33M

-$115M

-$510M

$89M

$520M

$198M

Operating Margin

35.1%

25.7%

-1.6%

-67.3%

-100.4%

2.1%

28.1%

17.6%

EBITDA Margin

55.0%

33.5%

9.9%

-49.3%

-89.0%

5.1%

28.9%

---

—

$119M

$152M

$142M

—

$113M

$43M

-$167M

-$732M

-$1.2B

—

Income Tax Expense

—

$4M

$2M

-$593K

-$17M

-$20M

$2M

—

$329M

$103M

$36M

-$218M

-$716M

-$1.2B

$498M

$4M

Net Margin

30.9%

20.7%

10.5%

-93.1%

-124.8%

-67.8%

27.7%

7.7%

$4.72

$1.57

$-0.98

$-3.06

$0.00

Diluted EPS

$4.72

$3.74

$1.18

$-0.98

$-3.12

$0.00

Weighted Avg Basic

—

10M

82M

62M

—

Weighted Avg Diluted

—

27M

23M

82M

188M

—

Finance of America Companies Inc. (FOA) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does Finance of America Companies Inc. Do?

Finance of America Companies Inc. operates a consumer lending platform in the United States. The company operates through: Mortgage Originations, Reverse Originations, Commercial Originations, Lender Services, and Portfolio Management segments. It provides residential mortgage loans to the government sponsored entities; government-insured agricultural lending solutions to farmers; product development, loan securitization, loan sales, risk management, asset management, and servicing oversight services to enterprise and third-party funds; and ancillary business services, title agency and title insurance services, mortgage servicing rights valuation and trade brokerage, transactional fulfillment services, mortgage loan third party review or due diligence services, and appraisal and capital management services to residential mortgage, student lending, and commercial lending industry customers. The company was founded in 2013 and is based in Irving, Texas. Finance of America Companies Inc. (FOA) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Graham A. Fleming and employs approximately 6,630 people. With a market capitalization of $147M, FOA is one of the notable companies in the Financials sector.

Finance of America Companies Inc. (FOA) Stock Rating — Reduce (April 2026)

As of April 2026, Finance of America Companies Inc. receives a Reduce rating with a composite score of 35.8/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.FOA ranks #3,684 out of 4,446 stocks in our coverage universe. Within the Financials sector, Finance of America Companies Inc. ranks #814 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FOA Stock Price and 52-Week Range

Finance of America Companies Inc. (FOA) currently trades at $19.13. The stock gained $0.28 (1.5%) in the most recent trading session. The 52-week high for FOA is $29.58, which means the stock is currently trading -35.3% from its annual peak. The 52-week low is $16.09, putting the stock 18.9% above its annual trough. Recent trading volume was 42K shares, suggesting relatively thin trading activity.

Is FOA Overvalued or Undervalued? — Valuation Analysis

Finance of America Companies Inc. (FOA) carries a value factor score of 80/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 0.46x, compared to the Financials sector average of 14.88x — a discount of 97%. The price-to-book ratio stands at 0.38x, versus the sector average of 1.22x. The price-to-sales ratio is 0.21x, compared to 0.90x for the average Financials stock. On an enterprise value basis, FOA trades at 1.29x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, Finance of America Companies Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

Finance of America Companies Inc. Profitability — ROE, Margins, and Quality Score

Finance of America Companies Inc. (FOA) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 83.1%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 1.1% versus the sector average of 1.2%.

The operating margin is 35.1% (sector: 21.8%). Net profit margin stands at 30.9%, versus 17.7% for the average Financials stock. Revenue growth is running at 2.3% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

FOA Debt, Balance Sheet, and Financial Health

Finance of America Companies Inc. has a debt-to-equity ratio of 90.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.01x, suggesting adequate working capital coverage. Total debt on the balance sheet is $358M.

FOA has a beta of 0.98, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Finance of America Companies Inc. is 49/100, reflecting average volatility within the normal range for its sector.

Finance of America Companies Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Finance of America Companies Inc. reported revenue of $714M and earnings per share (EPS) of $4.72. Net income for the quarter was $329M. Operating income came in at $354M.

In FY 2025, Finance of America Companies Inc. reported revenue of $497M and earnings per share (EPS) of $4.72. Net income for the quarter was $103M. Revenue grew 47.1% year-over-year compared to FY 2024. Operating income came in at $128M.

In Q3 2025, Finance of America Companies Inc. reported revenue of $81M and earnings per share (EPS) of $-1.05. Net income for the quarter was $-30M. Revenue grew -72.1% year-over-year compared to Q3 2024. Operating income came in at $-24M.

In Q2 2025, Finance of America Companies Inc. reported revenue of $177M and earnings per share (EPS) of $3.16. Net income for the quarter was $80M. Revenue grew 124.4% year-over-year compared to Q2 2024. Operating income came in at $88M.

Over the past 8 quarters, Finance of America Companies Inc. has demonstrated a growth trajectory, with revenue expanding from $79M to $714M. Investors analyzing FOA stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FOA Dividend Yield and Income Analysis

Finance of America Companies Inc. (FOA) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

FOA Momentum and Technical Analysis Profile

Finance of America Companies Inc. (FOA) has a momentum factor score of 27/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 61/100 reflects moderate short selling activity.

FOA vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Finance of America Companies Inc. (FOA) ranks #814 out of 891 stocks based on the Blank Capital composite score. This places FOA in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing FOA against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FOA vs S&P 500 (SPY) comparison to assess how Finance of America Companies Inc. stacks up against the broader market across all factor dimensions.

FOA Next Earnings Date

No upcoming earnings date has been announced for Finance of America Companies Inc. (FOA) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FOA? — Investment Thesis Summary

The quantitative profile for Finance of America Companies Inc. suggests caution. The quality score of 10/100 flags below-average profitability. The value score of 80/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 27/100, a headwind for near-term performance.

In summary, Finance of America Companies Inc. (FOA) earns a Reduce rating with a composite score of 35.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FOA stock.

Related Resources for FOA Investors

Explore more research and tools: FOA vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FOA head-to-head with peers: FOA vs WTM, FOA vs OPY, FOA vs ACT.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

Finance of America outlines 2026 adjusted EPS target of $4.25–$4.75 per share while advancing AI-driven origination growth (NYSE:FOA)

Finance of America Companies (FOA) Price Target Decreased by 23.73% to 22.95

Finance of America Introduces HomeSafe Second Line of Credit, Unlocking Flexible Access to Home Equity – Without Monthly Mortgage Payments

Finance of America Expands Access to Its Industry-Leading HomeSafe Second Product

Finance Of America Companies (FOA) Earnings Surge Tests Long Term Decline Narrative

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Financials Stocks

Finance of America Companies Inc. (FOA) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does Finance of America Companies Inc. Do?

Finance of America Companies Inc. (FOA) Stock Rating — Reduce (April 2026)

FOA Stock Price and 52-Week Range

Is FOA Overvalued or Undervalued? — Valuation Analysis

Finance of America Companies Inc. Profitability — ROE, Margins, and Quality Score

FOA Debt, Balance Sheet, and Financial Health

Finance of America Companies Inc. Revenue and Earnings History — Quarterly Trend

FOA Dividend Yield and Income Analysis

FOA Momentum and Technical Analysis Profile

FOA vs Competitors — Financials Sector Ranking and Peer Comparison

FOA Next Earnings Date

Should You Buy FOA? — Investment Thesis Summary

Related Resources for FOA Investors

Comments

Institutional Benchmarks

Related research

Get alerted on rating changes

Intelligence Feed

Finance of America outlines 2026 adjusted EPS target of $4.25–$4.75 per share while advancing AI-driven origination growth (NYSE:FOA)

Finance of America Companies (FOA) Price Target Decreased by 23.73% to 22.95

Finance of America Introduces HomeSafe Second Line of Credit, Unlocking Flexible Access to Home Equity – Without Monthly Mortgage Payments

Finance of America Expands Access to Its Industry-Leading HomeSafe Second Product

Finance Of America Companies (FOA) Earnings Surge Tests Long Term Decline Narrative