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FOA

BEARISH
$21.46 Live
Finance of America Companies Inc. · NYSE
Target $22.5 (+4.8%)
$15.77 52W Range $29.58
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026
Market cap
$183.52M
P/E
5.45
ROE
30.8%
Profit margin
9.1%
Debt/Equity
28.61
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
FOA presents as a classic value trap, characterized by a critically weak Piotroski F-Score of 2/9 and an unsustainable Debt/Equity ratio of 28.61. While the stock appears deeply undervalued relative to its Graham Number ($60.29) and Intrinsic Value ($27.58), these metrics are overshadowed by severe financial instability and a negative operating margin of -20.66%. Massive insider selling totaling $67.24M and a bearish technical trend further signal a lack of confidence in the company's long-term viability. The high ROE is likely a byproduct of extreme leverage rather than operational efficiency, as evidenced by the dismal ROA of 0.37%.

Key Strengths

Low P/E ratio of 5.45 relative to sector averages
Trading significantly below book value (P/B 0.52)
Strong gross margins (82.82%)
Recent positive earnings surprises in the last 4 quarters
High current ratio (8.09) suggesting short-term liquidity

Key Risks

Extreme leverage with a Debt/Equity ratio of 28.61
Critically low Piotroski F-Score (2/9) indicating poor financial health
Negative operating margin (-20.66%) suggesting core business inefficiency
Aggressive insider selling ($67.24M in 6 months) with zero buys
Poor long-term price performance (-78.9% over 5 years)
AI Fair Value Estimate
Based on comprehensive analysis
$24.15
+12.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
27
Weak
Value
75
Future
30
Past
20
Health
10
Dividend
0
AI Verdict
High Risk / Value Trap
Key drivers: Extreme Debt/Equity, Low Piotroski Score, Insider Dumping, Negative Operating Margins
Confidence
90%
Value
75/100

Ref P/E, PEG, Graham Number

Positives
  • P/E 5.45
  • P/B 0.52
  • Below Graham Number
Watchpoints
  • Value is deceptive due to solvency risks
Future
30/100

Ref Growth rates

Positives
  • Recent EPS beats
Watchpoints
  • Lack of sustainable growth data
  • Bearish technical trend
Past
20/100

Ref Historical trends

Positives
  • 3Y recovery (+27.7%)
Watchpoints
  • 5Y collapse (-78.9%)
  • Highly volatile earnings history
Health
10/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • High current ratio
Watchpoints
  • Piotroski 2/9
  • Debt/Equity 28.61
  • ROA 0.37%
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 strength score

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$21.46
Analyst Target
$22.5
Upside/Downside
+4.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FOA and closest competitors.

Updated 2026-04-24
FOA
Finance of America Companies Inc.
Primary
5Y
-78.9%
3Y
+27.7%
1Y
+6.3%
6M
-5.1%
1M
+26.6%
1W
-8.1%
EHI
Western Asset Global High Income Fund Inc.
Peer
5Y
+3.7%
3Y
+26.7%
1Y
+9.0%
6M
+1.8%
1M
+1.1%
1W
-1.5%
DHY
Credit Suisse High Yield Credit Fund
Peer
5Y
+15.1%
3Y
+22.8%
1Y
-3.7%
6M
-11.1%
1M
-6.6%
1W
-4.9%
UBF
United Security Bancshares
Peer
5Y
+74.0%
3Y
+96.5%
1Y
+24.7%
6M
+16.0%
1M
+0.2%
1W
+1.7%
LPR
Open Lending Corporation
Peer
5Y
-96.0%
3Y
-77.7%
1Y
+66.7%
6M
-21.8%
1M
+6.2%
1W
+25.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
5.45
Forward P/E
4.09
PEG Ratio
N/A
P/B Ratio
0.52
P/S Ratio
0.37
EV/Revenue
23.09
EV/EBITDA
N/A
Market Cap
$183.52M

Profitability

Profit margins and return metrics

Profit Margin 9.09%
Operating Margin -20.66%
Gross Margin 82.82%
ROE 30.81%
ROA 0.37%

Growth

Revenue and earnings growth rates

Revenue Growth N/A
Earnings Growth N/A
Q/Q Revenue Growth N/A
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
28.61
High debt
Current Ratio
8.09
Strong
Quick Ratio
8.01
Excellent
Cash/Share
$10.47

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
-18.0%
Total Assets
$30.7B
Liabilities
$30.3B
Equity
$0.3B
Debt/Equity
93.67x
Operating CF
$-0.1B
Free Cash Flow
$-0.1B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-05
$N/A
2025-11-04
$1.33
+98.2% surprise
2025-08-05
$0.55
-9.6% surprise
2025-05-06
$0.52
+22.9% surprise

Financial Services Sector Comparison

Comparing FOA against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)
P/E Ratio
5.45
This Stock
vs
38.21
Sector Avg
-85.7% (Discount)
Return on Equity (ROE)
30.81%
This Stock
vs
-1.82%
Sector Avg
-1792.2% (Below Avg)
Profit Margin
9.09%
This Stock
vs
75.74%
Sector Avg
-88.0% (Weaker)
Debt to Equity
28.61
This Stock
vs
1.42
Sector Avg
+1912.7% (Higher)
Current Ratio
8.09
This Stock
vs
3.32
Sector Avg
+143.4% (Stronger)

Similar Companies

Peer comparison within the same industry

FOA Finance of...
BEARISH
Mkt Cap
$184M
P/E
5.4
ROE
30.8%
Price
$21.46
EHI Western Asset...
NEUTRAL
Mkt Cap
$184M
P/E
11.4
ROE
8.0%
Price
$6.06
 Compare with FOA
DHY Credit Suisse...
BEARISH
Mkt Cap
$182M
P/E
14.7
ROE
5.5%
Price
$1.76
 Compare with FOA
UBFO United...
NEUTRAL
Mkt Cap
$185M
P/E
15.0
ROE
9.1%
Price
$10.51
 Compare with FOA
LPRO Open Lending...
NEUTRAL
Mkt Cap
$182M
P/E
-
ROE
-5.5%
Price
$1.54
 Compare with FOA

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

PRAHM JEREMY
Chief Investment Officer
Sell
2026-04-20
6,000 shares · $138,049
PRAHM JEREMY
Chief Investment Officer
Sell
2026-04-06
5,228 shares · $93,226
ENGEL MATTHEW A
Chief Financial Officer
Stock Award
2026-04-01
24,915 shares
FLEMING GRAHAM
Chief Executive Officer
Stock Award
2026-04-01
139,947 shares
THORNOCK TAI A
Officer
Stock Award
2026-04-01
16,360 shares
PRAHM JEREMY
Chief Investment Officer
Stock Award
2026-04-01
139,947 shares
RICHMOND LAUREN E.
Officer
Stock Award
2026-04-01
16,360 shares
SIEFFERT KRISTEN N
President
Sell
2026-04-01
750 shares · $12,472
SIEFFERT KRISTEN N
President
Stock Award
2026-04-01
84,469 shares
PRAHM JEREMY
Chief Investment Officer
Sell
2026-03-23
6,000 shares · $105,019
ENGEL MATTHEW A
Chief Financial Officer
Buy
2026-03-13
10,600 shares · $174,402
COOPERMAN LEON G
Beneficial Owner of more than 10% of a Class of Security
Buy
2026-03-13
28 shares · $451
SIEFFERT KRISTEN N
President
Sell
2026-03-02
750 shares · $14,115
BTO URBAN HOLDINGS L.L.C
Beneficial Owner of more than 10% of a Class of Security
Sell
2026-02-27
1,596,142 shares · $30,885,348
SIEFFERT KRISTEN N
President
Sell
2026-02-02
750 shares · $17,490
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-07

FOA filed a definitive proxy statement on April 7, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

8-K
8-K
2026-04-03

FOA filed an 8-K on April 3, 2026, likely to announce its financial results for the preceding period.

10-K
10-K
2026-03-13

FOA submitted its 10-K filing on March 13, 2026, which includes standard disclosures regarding its business operations, risk factors, and management's discussion and analysis of financial condition. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-03-10

FOA filed an 8-K on March 10, 2026, likely to announce its annual financial results.

8-K
8-K
2025-12-17
8-K
8-K
2025-12-15
8-K
8-K
2025-11-18
10-Q
10-Q
2025-11-13

FOA filed its quarterly 10-Q report on November 13, 2025. While specific financial highlights were not provided in the excerpt, the company outlines its risk factors within Item 1A.

8-K
8-K
2025-11-04

FOA filed an 8-K on November 4, 2025, likely to report its third-quarter financial results.

8-K
8-K
2025-10-21

FOA filed an 8-K on October 21, 2025, likely to report its third-quarter financial results.

10-Q
10-Q
2025-08-11
8-K
8-K
2025-08-05
8-K
8-K
2025-08-05
8-K
8-K
2025-05-21
10-Q
10-Q
2025-05-20
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
1 analysts
B. Riley Securities
2026-04-02
init
Buy
UBS
2025-11-26
Maintains
Neutral Neutral

Past News Coverage

Recent headlines mentioning FOA from our newsroom.

Newest → oldest
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