Finance of America Companies (FOA) Stock Price, News & Analysis

Company Overview

Finance of America Companies (NYSE: FOA) is a diversified nonbank financial services firm specializing in mortgage and insurance products for consumers. The company operates across multiple business segments, delivering home financing solutions, retirement products and specialized lending services through a blend of digital and traditional distribution channels.

In its mortgage segment, FOA originates and purchases a range of home loans including purchase, refinance, FHA, VA and USDA loans. Leveraging proprietary technology platforms, the company operates in retail, wholesale and correspondent channels to streamline the loan application and underwriting process, aiming to enhance accessibility and efficiency for borrowers and originators alike.

Finance of America’s reverse and life insurance segments cater to the retirement market with products such as Home Equity Conversion Mortgages and fixed index annuities. Additionally, FOA Solutions provides specialty finance offerings, including structured settlement funding and loan servicing solutions, supporting client relationships and operational needs for originators and financial institutions.

Formed in 2017 through the combination of Finance of America Holdings and Reverse Mortgage Solutions, the company completed its initial public offering in December 2020. Headquartered in the United States, Finance of America Companies is led by CEO Jonathan D. Way, under whose leadership the firm has pursued strategic growth initiatives and expanded its product suite to serve customers nationwide.

Key Stats

• Today's Range: $25.23 to $26.11
• 50-Day Range: $20.89 to $29.33
• 52-Week Range: $10.00 to $32.40
• Volume: 238,307 shs
• Average Volume: 115,796 shs
• Market Capitalization: $283.52 million
• P/E Ratio: 4.19
• Dividend Yield: N/A
• Price Target: $27.50
• Consensus Rating: Moderate Buy

Finance of America Companies Stock Analysis - MarketRank™

Finance of America Companies scored higher than 70% of companies evaluated by MarketBeat, and ranked 454th out of 941 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Finance of America Companies has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Finance of America Companies is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Finance of America Companies has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 256.00%

Earnings Growth

Earnings for Finance of America Companies are expected to grow by 256.00% in the coming year, from $0.75 to $2.67 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Finance of America Companies is 4.19, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.04.

Price to Earnings Ratio vs. Sector

The P/E ratio of Finance of America Companies is 4.19, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 243.45.

Price to Book Value per Share Ratio

Finance of America Companies has a P/B Ratio of 0.81. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

12.13% of the float of Finance of America Companies has been sold short.

Short Interest Ratio / Days to Cover

Finance of America Companies has a short interest ratio ("days to cover") of 5.4.

Change versus previous month

Short interest in Finance of America Companies has recently decreased by 1.07%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Finance of America Companies does not currently pay a dividend.

Dividend Growth

Finance of America Companies does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

12.13% of the float of Finance of America Companies has been sold short.

Short Interest Ratio / Days to Cover

Finance of America Companies has a short interest ratio ("days to cover") of 5.4.

Change versus previous month

Short interest in Finance of America Companies has recently decreased by 1.07%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 1.32

News Sentiment

Finance of America Companies has a news sentiment score of 1.32. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.04 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Finance of America Companies this week, compared to 2 articles on an average week.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Finance of America Companies insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $65,492.00 in company stock.

Percentage Held by Insiders

25.00% of the stock of Finance of America Companies is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

97.20% of the stock of Finance of America Companies is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FOA Stock Analysis - Frequently Asked Questions

How have FOA shares performed this year?

Finance of America Companies' stock was trading at $28.12 at the beginning of the year. Since then, FOA stock has decreased by 9.0% and is now trading at $25.5910.

How were Finance of America Companies' earnings last quarter?

Finance of America Companies Inc. (NYSE:FOA) issued its earnings results on Tuesday, August, 5th. The company reported $0.55 EPS for the quarter, missing analysts' consensus estimates of $0.61 by $0.06. The business had revenue of $177.38 million for the quarter, compared to the consensus estimate of $97.05 million.
Read the conference call transcript.

When did Finance of America Companies' stock split?

Finance of America Companies shares reverse split before market open on Friday, July 26th 2024.The 1-10 reverse split was announced on Friday, July 26th 2024. The number of shares owned by shareholders was adjusted after the market closes on Friday, July 26th 2024. An investor that had 100 shares of stock prior to the reverse split would have 10 shares after the split.

Who are Finance of America Companies' major shareholders?

Top institutional shareholders of Finance of America Companies include Beach Point Capital Management LP (4.24%), Geode Capital Management LLC (1.24%), Bastion Asset Management Inc. (0.90%) and American Century Companies Inc. (0.80%). Insiders that own company stock include Holdings LP Blackstone III, Kristen N Sieffert, Norma Corio, Tai A Thornock and Lance West.
View institutional ownership trends.

How do I buy shares of Finance of America Companies?

Shares of FOA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Finance of America Companies own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Finance of America Companies investors own include Organigram Global (OGI), i3 Verticals (IIIV), Lucid Group (LCID), Ford Motor (F), Trade Desk (TTD), NCR (NCR) and Confluent (CFLT).

Company Calendar

• Last Earnings: 8/05/2025
• Today: 9/19/2025
• Next Earnings (Estimated): 10/21/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MTG&REL SVS
• Sub-Industry: Banking
• Current Symbol: NYSE:FOA
• CIK: 1828937
• Web: www.financeofamerica.com
• Phone: 877-202-2666
• Fax: N/A
• Employees: 6,630
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Finance of America Companies: $27.50
• High Price Target: $30.00
• Low Price Target: $25.00
• Potential Upside/Downside: +8.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.11
• Trailing P/E Ratio: 4.16
• Forward P/E Ratio: 33.89
• P/E Growth: N/A
• Net Income: $15.49 million
• Net Margins: N/A
• Pretax Margin: 42.84%
• Return on Equity: 0.96%
• Return on Assets: 0.01%

Debt

• Debt-to-Equity Ratio: 39.38
• Current Ratio: 2.69
• Quick Ratio: 2.69

Sales & Book Value

• Annual Sales: $338.17 million
• Price / Sales: 0.83
• Cash Flow: $5.60 per share
• Price / Cash Flow: 4.54
• Book Value: $31.77 per share
• Price / Book: 0.80

Miscellaneous

• Outstanding Shares: 11,080,000
• Free Float: 8,309,000
• Market Cap: $281.60 million
• Optionable: Optionable
• Beta: 1.50