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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9
SEC Form 4 / 13F Thermometer: 50% Net Buy • Cannibal Buyback (-0.68% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($13.98) and Max Pain ($11.50) forces dealer call-delta covering toward $31.28.
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.
Finance of America Companies Inc. (Class A) (FOA) surged +4.29% to $10.95, trading at 5% of its 52-week range ($10.04 – $29.79). Stretched risk/reward at 4x P/E (11% return on capital) under elevated 10-year interest-rate pressure.
Yahoo Finance report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
PLANO, Texas, October 20, 2026--Finance of America Companies Inc. ("Finance of America" or the "Company") (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, today announced
FOA Q3 2026 results missed estimates on revenue and EPS, hit by $125M fair value adjustments; shares fell 28.5% despite 24% funded volume growth.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +26.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FOA today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FOA. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
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).
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.
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.
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
Yahoo Finance report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Finance of America Companies Inc. (Class A) (FOA) market action, institutional positioning, and fundamental catalysts.
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.
@SkepticalCFA Shorting a 3/20 institutional whale-flow stock at $10.50 is dangerous when funds are rotating into Financials.
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.
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