Finance of America Companies Inc (FOA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Finance of America Companies Inc stock (FOA) is currently trading at $16.93. Finance of America Companies Inc PE ratio is 4.34. Finance of America Companies Inc PS ratio (Price-to-Sales) is 0.35. Analyst consensus price target for FOA is $29.50. WallStSmart rates FOA as Underperform.
- FOA PE ratio analysis and historical PE chart
- FOA PS ratio (Price-to-Sales) history and trend
- FOA intrinsic value — DCF, Graham Number, EPV models
- FOA stock price prediction 2025 2026 2027 2028 2029 2030
- FOA fair value vs current price
- FOA insider transactions and insider buying
- Is FOA undervalued or overvalued?
- Finance of America Companies Inc financial analysis — revenue, earnings, cash flow
- FOA Piotroski F-Score and Altman Z-Score
- FOA analyst price target and Smart Rating
Finance of America Companies Inc
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FOA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Finance of America Companies Inc (FOA)
FOA appears undervalued based on the Graham Formula, trading 20% below its estimated fair value of $26.79.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Finance of America Companies Inc (FOA) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, price/sales, price/book. Concerns around market cap and operating margin. Mixed signals suggest waiting for clearer direction before acting.
Finance of America Companies Inc (FOA) Key Strengths (4)
Every $100 of shareholder equity generates $31 in profit
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
56.28% held by institutions, strong professional interest
Supporting Valuation Data
Finance of America Companies Inc (FOA) Areas to Watch (4)
Losing money on operations
Revenue declining -72.10%, a shrinking business
Micro-cap company with very limited liquidity and high volatility
Thin profit margins with limited profitability
Supporting Valuation Data
Finance of America Companies Inc (FOA) Detailed Analysis Report
Overall Assessment
This company scores 47/100 in our Smart Analysis, earning a D+ grade. Out of 8 metrics analyzed, 4 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 1.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.35), Price/Book (0.45) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 30.80%.
The Bear Case
The primary concerns are Operating Margin, Revenue Growth, Market Cap. Growth concerns include Revenue Growth at -72.10%, which may limit upside. Profitability pressure is visible in Operating Margin at -20.70%, Profit Margin at 9.09%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 30.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at -72.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Operating Margin and Revenue Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FOA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FOA's Price-to-Sales ratio of 0.35x trades 287% above its historical average of 0.09x (93th percentile), historically expensive. The current valuation is 44% below its historical high of 0.62x set in Feb 2026, and Infinity% above its historical low of 0x in Apr 2024. Over the past 12 months, the PS ratio has expanded from ~0.1x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Finance of America Companies Inc (FOA) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Finance of America Companies Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 497M with 72% decline year-over-year. Profit margins are thin at 9.1%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 30.8% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Revenue contracted 72% YoY. Worth determining whether this is cyclical or structural.
Free cash flow is -91M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can Finance of America Companies Inc push profit margins above 15% as the business scales?
Volatility is elevated with a beta of 1.69, so expect amplified moves relative to the broader market.
Debt management: total debt of 30.2B is significantly higher than cash (402M). Monitor refinancing risk.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Finance of America Companies Inc.
Bottom Line
Finance of America Companies Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Finance of America Companies Inc(FOA)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
Finance of America Companies Inc. operates a consumer loan platform in the United States. The company is headquartered in Irving, Texas.