Finance of America Companies Inc (FOA) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Finance of America Companies Inc $30.22, price $14.39, upside +110.0%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $4.50 – $83.00 · fair‑value band $15.81 – $37.78 · the $14.39 price screens below the $30.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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.
Stock analysis
Finance of America Companies Inc (FOA) currently trades at $14.39, while our model-based Fair Value estimate is $30.22, implying the stock looks roughly 52.4% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $80.38 per share, and 6 of the 8 models we run sit above the $14.39 price.
Bear case: the Asset-Based group reads lowest at $24.40, and 2 of the 8 models stay below the price. Evidence for this calculation is high.
Scenario range: $15.81 (bear) to $37.78 (bull), the price of $14.39 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Finance of America Companies Inc reported revenue of $2.1B in FY2025 versus $1.7B in FY2021, a compound +5.2%/yr. Reported net income was $45.2M in FY2025.
Key figures
Market cap $178M · P/E ratio 6.4 · P/S ratio 0.14 · EPS (TTM) $2.26 · Dividend yield 0.1% · Net margin 2.1% · Return on equity 15.6% · Return on assets (EBIT) −0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 48% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 110%, FOA screens cheaper than that median.
Fair Value models
Bear $15.81Fair Value $30.22Bull $37.78
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.66 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.25/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+9.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+45.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.3%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+2.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.2%
Dividend (yield on the price)0.1%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 5%
⚠ Revenue per share shrinking 1.6%/yr over ~6Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 331 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score46 · Below median
Fair Value upside+109% · Top 25%
Profitability
Return on equity (TTM)16% · Top 25%
Return on assets0% · Bottom 25%
Net margin (TTM)7% · Below median
Operating margin (TTM)13% · Below median
Growth and dividend
Revenue growth−28% · Bottom 25%
Dividend yield (TTM)0.1% · Bottom 25%
Balance sheet
Debt / equity89.48× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Finance of America Companies Inc Fair Value". https://www.fairvalue-calculator.com/stock/FOA
Frequently asked questions
Is Finance of America Companies Inc (FOA) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $30.22 versus a price of $14.39, about +110% upside (undervalued).
What is the fair value of FOA?
Our model-based fair value for Finance of America Companies Inc is $30.22 (as of Sep 23, 2026), built from audited fundamentals. The current price: $14.39.
What is the quality score of FOA?
Finance of America Companies Inc has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Finance of America Companies Inc (FOA)?
Our model-based price target is the fair value of $30.22 (as of Sep 23, 2026) from 8 valuation models. Cautious scenario $15.81, optimistic scenario $37.78. It is a calculation from audited fundamentals, not an analyst target.
What is the Finance of America Companies Inc stock forecast for 2026?
Our models put fair value at $30.22, about +110% upside versus a price of $14.39 (undervalued). Cautious scenario $15.81, optimistic scenario $37.78. The calculation is refreshed regularly with new filings.
Does Finance of America Companies Inc pay a dividend?
Finance of America Companies Inc currently shows a dividend yield of about 0.11% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Finance of America Companies Inc (FOA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Finance of America Companies Inc it is $30.22 per share (as of Sep 23, 2026), against a price of $14.39. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Finance of America Companies Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FOA trades below its calculated fair value: price $14.39, fair value $30.22, a gap of about +110% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FOA?
No. The price is what the market pays today ($14.39); the fair value is what the company's own numbers justify ($30.22). For Finance of America Companies Inc the two are $15.83 per share apart. That gap is exactly why we show both numbers side by side.
How much is Finance of America Companies Inc worth?
The market values Finance of America Companies Inc at about $178M (market capitalisation, as of Sep 23, 2026). Per share that is $14.39; our models calculate a fair value of $30.22 per share.
What do the bullish and bearish scenarios say about FOA?
Our models span a range for Finance of America Companies Inc: cautious scenario $15.81, base $30.22, optimistic $37.78 per share (as of Sep 23, 2026, price $14.39). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FOA?
Finance of America Companies Inc trades at a price-to-earnings ratio of 6.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $30.22 is built from several models across several years. Other multiples: P/B 0.6, P/S 0.4, EV/EBITDA 45.5.
How solid is the balance sheet of Finance of America Companies Inc (FOA)?
Balance-sheet figures for Finance of America Companies Inc (as of Sep 23, 2026): return on equity 15.6%. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is FOA from its 52-week high?
Finance of America Companies Inc trades at $14.39, about 48% below its 52-week high of $27.90 and 3% above the low of $14.01 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $30.22 is for.
Which stocks are comparable to Finance of America Companies Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Finance of America Companies Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $14.39, calculated fair value $30.22 (+110%), Quality Score 46/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FOA calculated?
We run Finance of America Companies Inc through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $30.22, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Finance of America Companies Inc currently trades 110 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Finance of America Companies Inc (FOA)?
The closing price on Sep 24, 2026 was $14.39. Our model-based fair value is $30.22, about +110% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Finance of America Companies Inc right now?
The price is below even our cautious bear case ($15.81). The market is more pessimistic than our downside scenario. Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($15.81 to $37.78) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Finance of America Companies Inc
How large is the market capitalisation of Finance of America Companies Inc (FOA)?
The market capitalisation of Finance of America Companies Inc is $178M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Finance of America Companies Inc (FOA)?
The price-to-sales ratio of Finance of America Companies Inc is 0.14 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Finance of America Companies Inc (FOA)?
Earnings per share at Finance of America Companies Inc are $2.26 (price ÷ EPS = P/E 6.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Finance of America Companies Inc (FOA)?
The dividend yield of Finance of America Companies Inc is 0.1% (payout 0.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Finance of America Companies Inc (FOA)?
The net margin of Finance of America Companies Inc is 2.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Finance of America Companies Inc (FOA)?
The return on equity (ROE) of Finance of America Companies Inc is 15.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Finance of America Companies Inc (FOA)?
On an EBIT basis the return on assets of Finance of America Companies Inc is −0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Finance of America Companies Inc (FOA)?
The operating margin of Finance of America Companies Inc is 13.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Finance of America Companies Inc (FOA)?
Revenue at Finance of America Companies Inc is growing −27.5% versus a year earlier (3y avg +45.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Finance of America Companies Inc (FOA)?
Earnings per share at Finance of America Companies Inc are growing −64.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Finance of America Companies Inc (FOA) generate?
The free cash flow of Finance of America Companies Inc is −$430M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Finance of America Companies Inc (FOA) carry?
The net debt of Finance of America Companies Inc is $29.9B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 23, 2026