Finance of America Companies Inc. (FOA)Financial Services | Credit Services | Plano, United States | NYSE
11.15 USD
-0.60
(-5.106%) ⇩
(Oct. 14, 2026, 4 p.m.
EDT)
After hours: 11.15 |
Hot Take ↕ | Oct. 10, 2026, 10:36 a.m. EDT
The investment case for Finance of America is currently broken by deteriorating fundamentals and overwhelming speculative pessimism. The company is reporting negative earnings, negative operating cash flow, and a massive debt load relative to equity, resulting in negative returns on both assets and equity. While the forward P/E appears attractive mathematically, it is based on estimated future earnings that the market clearly doubts given the recent 65% revenue contraction and widening margin compression. The price has already fallen nearly 57% from its 52-week high, reflecting these concerns. The short-term outlook remains precarious. Despite some recent analyst upgrades citing a potential turnaround in the reverse mortgage sector, the options market is screaming caution. Traders are loading up on deep out-of-the-money puts, betting on continued weakness or a sharp drop upon the upcoming earnings release. With the statistical forecasting model showing low confidence in any upward move, the weight of evidence points to a fragile situation where the stock is struggling to find a floor amidst structural headwinds and aggressive short-term selling pressure. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.281797 |
| AutoTheta | 0.284056 |
| AutoARIMA | 0.287762 |
| MSTL | 0.291762 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 32% |
| H-stat | 49.04 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.157 |
| Excess Kurtosis | -1.40 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 2968.466 |
| Revenue per Share | 39.253 |
| Market Cap | 192,971,824 |
| Forward P/E | 2.18 |
| Beta | 1.69 |
| Profit Margins | -0.10% |
| Previous Name | Finance of America Equity Capital LLC |
| Website | https://www.financeofamerica.com |
As of Oct. 10, 2026, 10:36 a.m. EDT: Speculators are overwhelmingly bearish, positioning massive put volume and open interest at strikes significantly below the current price (e.g., 10.0 and 12.5 strikes in December 2026), while call activity is negligible and concentrated only at very distant out-of-the-money strikes. This heavy put positioning suggests a strong expectation of further downside or a hedge against significant earnings-related volatility.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.45652175 |
| Address1 | 5,830 Granite Parkway |
| Address2 | Suite 400 |
| All Time High | 116.65 |
| All Time Low | 4.1 |
| Ask | 0.0 |
| Ask Size | 300 |
| Audit Risk | 10 |
| Average Daily Volume10 Day | 67,610 |
| Average Daily Volume3 Month | 60,239 |
| Average Volume | 60,239 |
| Average Volume10Days | 67,610 |
| Beta | 1.686 |
| Bid | 0.0 |
| Bid Size | 200 |
| Board Risk | 6 |
| Book Value | 38.791 |
| City | Plano |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 11.15 |
| Current Ratio | 10.618 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 11.7 |
| Day Low | 10.79 |
| Debt To Equity | 2,968.466 |
| Display Name | Finance of America |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,785,877,200 |
| Earnings Call Timestamp Start | 1,785,877,200 |
| Earnings Quarterly Growth | -0.941 |
| Earnings Timestamp | 1,785,873,600 |
| Earnings Timestamp End | 1,793,736,000 |
| Earnings Timestamp Start | 1,793,736,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 36.056 |
| Enterprise Value | 12,150,448,128 |
| Eps Current Year | 4.57 |
| Eps Forward | 5.11333 |
| Eps Trailing Twelve Months | -2.11 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 20 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 16.9808 |
| Fifty Day Average Change | -5.830801 |
| Fifty Day Average Change Percent | -0.3433761 |
| Fifty Two Week Change Percent | -45.652176 |
| Fifty Two Week High | 29.79 |
| Fifty Two Week High Change | -18.640001 |
| Fifty Two Week High Change Percent | -0.62571335 |
| Fifty Two Week Low | 10.79 |
| Fifty Two Week Low Change | 0.35999966 |
| Fifty Two Week Low Change Percent | 0.033364195 |
| Fifty Two Week Range | 10.79 - 29.79 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,555,594,200,000 |
| Float Shares | 3,527,804 |
| Forward Eps | 5.11333 |
| Forward P E | 2.1805751 |
| Full Exchange Name | NYSE |
| Full Time Employees | 782 |
| Fullday Change | -0.4300003 |
| Fullday Change Percent | -3.53038 |
| Fullday Price | 11.15 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.71128 |
| Gross Profits | 239,695,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.48724 |
| Held Percent Institutions | 0.59774 |
| Implied Shares Outstanding | 17,306,890 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,721,952,000 |
| Last Split Factor | 1:10 |
| Long Business Summary | 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. |
| Long Name | Finance of America Companies Inc. |
| Market | us_market |
| Market Cap | 192,971,824 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_691583405 |
| Most Recent Quarter | 1,782,777,600 |
| Name Change Date | 2,026-10-15 |
| Net Income To Common | -1,824,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 133,476,002 |
| Number Of Analyst Opinions | 2 |
| Open | 11.56 |
| Operating Cashflow | -555,315,968 |
| Operating Margins | -0.67553 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 877 202 2666 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 11.15 |
| Post Market Time | 1,792,008,605 |
| Prev Name | Finance of America Equity Capital LLC |
| Previous Close | 11.75 |
| Price Eps Current Year | 2.4398248 |
| Price Hint | 2 |
| Price To Book | 0.2874378 |
| Price To Sales Trailing12 Months | 0.57263196 |
| Profit Margins | -0.001 |
| Quick Ratio | 10.497 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.6 |
| Regular Market Change Percent | -5.10639 |
| Regular Market Day High | 11.7 |
| Regular Market Day Low | 10.79 |
| Regular Market Day Range | 10.79 - 11.7 |
| Regular Market Open | 11.56 |
| Regular Market Previous Close | 11.75 |
| Regular Market Price | 11.15 |
| Regular Market Time | 1,792,008,002 |
| Regular Market Volume | 87,819 |
| Return On Assets | -0.0012899999 |
| Return On Equity | -0.099259995 |
| Revenue Growth | -0.648 |
| Revenue Per Share | 39.253 |
| Sand P52 Week Change | 0.1570785 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 9,217,956 |
| Shares Percent Shares Out | 0.0465 |
| Shares Short | 428,626 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 385,400 |
| Short Name | Finance of America Companies In |
| Short Percent Of Float | 0.111499995 |
| Short Ratio | 5.94 |
| Source Interval | 15 |
| State | TX |
| Symbol | FOA |
| Target High Price | 32.0 |
| Target Low Price | 30.0 |
| Target Mean Price | 31.0 |
| Target Median Price | 31.0 |
| Total Cash | 85,278,000 |
| Total Cash Per Share | 9.251 |
| Total Debt | 12,072,897,536 |
| Total Revenue | 336,991,008 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -2.11 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 20.1936 |
| Two Hundred Day Average Change | -9.0436 |
| Two Hundred Day Average Change Percent | -0.44784486 |
| Type Disp | Equity |
| Volume | 87,819 |
| Website | https://www.financeofamerica.com |
| Zip | 75,024 |