How profitable is Finance of America Companies Inc. (Class A) (FOA)?

In FY 2025 (10-K), FOA converted $497.4M of revenue into a 52% gross margin, 0% operating margin, and $0 in free cash flow (0% FCF margin).

Stock Ratings / Financials / FOA / financials

FUFU (22) ZSQR (24) LDI (31) TONX (32) ⌘ Pro Terminal →

Finance of America Companies Inc. (Class A) (FOA) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$10.95 +4.29% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $11.01

Finance of America Companies Inc. (Class A) (FOA) carries a Roarable Rating of D- (Sell) with 37/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $181.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FOA Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FOA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-03, Finance of America Companies Inc. (Class A) (NYSE: FOA) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 37/100 at a spot price of $10.95 (+4.29% 1D, market cap $181.7M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, FOA ranks #956 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FOA compare to FUFU and ZSQR in the Financials sector?

▼

Within the Financials sector (Finance: Consumer Services), FOA carries a Roarable D- (37/100 RQD), trailing P/E of 4.0x, gross margin of —, and ROIC of 11.4%. By comparison, FUFU (BitFuFu Inc. (Class A)) holds a E grade (22/100 RQD, P/E N/A, ROIC -15.4%, cap $180.0M) and ZSQR (Z Squared Inc.) posts a E grade (24/100 RQD, P/E N/A, ROIC -35.0%, cap $190.3M). Among the 5-stock peer group, FOA leads on earnings multiple (4.0x) while FOA leads on capital efficiency (11.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FOA?

▼

Per FOA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001828937), Finance of America Companies Inc. (Class A) generated $497.4M in revenue (+26.1% YoY), $45.2M in net income, and -$429.7M in free cash flow against $30.73B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $11.01 (+0.58%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (37/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.1% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 Quant Analysts Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-9.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FOA)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (37/100 Composite)

🔍 WHY FOA SCORES 37/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (27% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+10/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 50% Net Buy • Cannibal Buyback (-0.68% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$12.18-8.4% Next Q

Q2 (-2Q)

Grade D$11.16-1.1% Next Q

Q3 (-1Q)

Grade D$11.04-0.8% Next Q

Current

Grade D-$10.95-8.1% Hist 90D α

Trajectory: D (45) → D- (37)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FOA Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FOA currently carries a cautious 37/100 (D-) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($13.98) and Max Pain ($11.50) forces dealer call-delta covering toward $31.28.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FOA• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FOA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 37%NO 63%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FOA Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$0 (0% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $234.3M

FY24

Rev $394.4M

FY25

Rev $497.4M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$497.4M	52%	0%	$45.2M	-$429.7M	11.4%
FY 2024	$394.4M	52%	0%	$15.5M	-$423.8M	11.4%
FY 2023	$234.3M	52%	0%	-$80.1M	-$71.6M	11.4%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FOA)

✓Walkthrough of FOA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FOA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -45.79%▲ RESISTANCE BREAKOUT

2026-11-03O $10.49H $10.95L $10.49C $10.95VOL 84.1K

RES: $10.70SUP: $9.76SMA50: $13.98SMA200: $19.31

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FOA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FOA Butterfly Map → + Track FOA →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

-15.0%/yr Implied 5Y Growth

vs. +26.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FOA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FOA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FOA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FOA)

Financials Rank #956 of 1097 ⚔️ FUFU vs FOA Full Matrix →

1. Head-to-Head Financials Peer Comparison (FOA vs. FUFU, ZSQR, LDI, TONX)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Finance of America Companies Inc. (Class A) (FOA) ranks #956 by composite RQD confidence (37/100, grade D-) and #900 by equity capitalization ($181.7M). Within this direct 5-issuer industry benchmark cohort, FOA leads on earnings valuation at 4.0x trailing P/E, while FOA leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. FOA currently leads its immediate peer cohort in composite quantitative strength at 37/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FOA ACTIVE Finance of America Companies Inc. (Class A)	D-	37/100	4.0x	—	11.4%	+4.29%	$181.7M	Benchmark Subject
FUFU BitFuFu Inc. (Class A)	E	22/100	—	—	-15.4%	-7.77%	$180.0M	/fufu-vs-foa →
ZSQR Z Squared Inc.	E	24/100	—	—	-35.0%	+2.79%	$190.3M	/zsqr-vs-foa →
LDI loanDepot Inc. (Class A)	E	31/100	—	—	-27.9%	+4.92%	$195.8M	/ldi-vs-foa →
TONX TON Strategy Company	E	32/100	—	—	-7.8%	-4.90%	$168.5M	/tonx-vs-foa →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001828937 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Finance of America Companies Inc. (Class A) (FOA) reported GAAP revenue of $497.4M (+26.1% vs. FY2024 revenue of $394.4M , and +112.4% cumulative change since FY2023) , GAAP net income of $45.2M, operating cash flow of -$429.7M, and free cash flow of -$429.7M (-1.4% YoY). On the balance sheet, FOA closed FY2025 with $30.73B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$497.4M	$45.2M	-$429.7M	-$429.7M	$30.73B	—
FY2024 (FY)	2024-12-31	$394.4M	$15.5M	-$423.8M	-$423.8M	$29.16B	—
FY2023 (FY)	2023-12-31	$234.3M	-$80.1M	-$71.6M	-$71.6M	—	—

3. FOA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FOA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does FOA compare to FUFU and ZSQR in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for FOA?

Where is FOA trading relative to its 50-day, 200-day, and 52-week technical levels?

FOA last traded at $10.95 (+4.29% on volume of 61,947 shares), positioning the stock -21.67% below its 50-day simple moving average ($13.98) and -43.29% below its 200-day simple moving average ($19.31). Across its 52-week range of $10.04 to $29.79, FOA sits at the 4.6% percentile with a 14-day RSI of 25.1 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($9.58 to $12.32).

Direct Sub-Reports: FOA RQD Cockpit FOA 12M Forecast FOA Earnings & Move FOA Dividends & DRIP FOA Insiders & 13F FOA Whale Options FOA Profit Sankey FOA News & Why

ROARABLE RATING BRIEF • RQD 37/100 (D-) ✓ SEC XBRL & RQD VERIFIED

FOA — Finance of America Companies Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Finance of America Companies Inc. (Class A) (FOA) earns a live Roarable RQD composite score of 37/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $10.95 (+4.29% 1D, market capitalization $181.7M).

Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of 11.4%, gross margin of —, operating margin of —, and free cash flow yield of —.
Whale 13F & Options Flow (3/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (7/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

And profile, Finance of America Companies Inc. (Class A) is a NYSE-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry. — describes the company's products, customers, or revenue model. The profile identifies the market capitalization as $0.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Finance of America Companies Inc. (Class A) (FOA) reported $497.4M in annual revenue (up from $394.4M in FY2024, +26.1% YoY) and $45.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($234.3M revenue, -$80.1M net income) through FY2025, FOA scaled operating cash flow to -$429.7M and free cash flow to -$429.7M, backed by $30.73B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D- • RQD 37/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 3/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $10.04 – $29.79 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 4.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and 2nd-order bottlenecks are — The sector and industry labels (Financials; Finance: Consumer Services) are the only classification information provided.

Key Question #1: Can FOA sustain or expand its — operating margin and 11.4% ROIC against Finance: Consumer Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $497.4M and free cash flow of -$429.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is FOA's 3.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FOA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Finance of America Companies Inc. (Class A) (FOA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FOA Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Analysts Estimate Finance of America Companies Inc. (FOA) to Report a Decline in Earnings: What to Look Out for

Yahoo Finance report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com • 1d ago

Finance of America CIO Jeremy Prahm sells $79,202 in FOA shares

Investing.com report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Finance of America Companies (NYSE:FOA) Stock Price

Simply Wall St report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Earnings To Watch: Finance of America Companies Inc (FOA) Q3 2026 -- GF Value Sees 229% Upside

Yahoo Finance report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Insider Selling: Finance of America Companies (NYSE:FOA) CIO Sells 6,000 Shares of Company Stock

MarketBeat report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Under a trading plan, Jeremy Prahm sold 5,610 Finance of America (FOA) shares.

Stock Titan report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com • 2d ago

Finance of America CIO Jeremy Prahm sells $60,265 in stock.

Investing.com report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Finance of America Companies (FOA) Expected to Announce Quarterly Earnings on Tuesday

MarketBeat report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FOA Bull vs. Bear Conversation Board — What's Your Call at $10.95?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FOA 🐻 33% BEARISH CONVICTION

BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $13.02 (+24.0%)

📌 Pinned Debate

Reported net income rose to $45.2M in FY 2025 on revenue of $497.4M, with a 4 trailing P/E and 11.4% ROIC.

Here is why I am bullish on FOA here at $10.50: Reported net income rose to $45.2M in FY 2025 on revenue of $497.4M, with a 4 trailing P/E and 11.4% ROIC.. Compare FOA's 0.0% operating margin and 11.4% ROIC against the rest of Finance: Consumer Services. As long as cash conversion holds up, dips toward $9.97 are getting bought.

EarningsSniper 🐂 BULL

@SkepticalCFA Shorting a 3/20 institutional whale-flow stock at $10.50 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $7.88 (-25.0%)

Spot @ $10.50

Free cash flow was -$429.7M in FY 2025 with a 0% FCF yield, and the Piotroski F-Score is 3/9.

Careful chasing FOA at $10.50. Free cash flow was -$429.7M in FY 2025 with a 0% FCF yield, and the Piotroski F-Score is 3/9.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $7.88 on multiple compression.