Stock Ratings / Financials / FOA / financials

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

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

FOA last traded at $10.49 (+0.29% on volume of 70,719 shares), positioning the stock -25.97% below its 50-day simple moving average ($14.17) and -45.87% below its 200-day simple moving average ($19.38). Across its 52-week range of $10.04 to $29.79, FOA sits at the 2.3% percentile with a 14-day RSI of 25.1 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($9.18 to $11.80).

Q: 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).

$10.49 +0.29% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $10.48

Finance of America Companies Inc. (Class A) (FOA) carries a Roarable Rating of D+ (Sell) with 54/100 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.

📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $181.5M

📤 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?

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As of 2026-11-02, 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 54/100 at a spot price of $10.49 (+0.29% 1D, market cap $181.5M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, FOA ranks #592 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 TONX and FUFU in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), FOA carries a Roarable D+ (54/100 RQD), trailing P/E of 4.0x, gross margin of —, and ROIC of 11.4%. By comparison, TONX (TON Strategy Company) holds a D- grade (35/100 RQD, P/E N/A, ROIC -7.8%, cap $181.7M) and FUFU (BitFuFu Inc. (Class A)) posts a E grade (24/100 RQD, P/E N/A, ROIC -15.4%, cap $184.2M). 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?

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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: $10.48 (-0.14%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury 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 SNOWFLAKE RADARRw D · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-1.8% Base Target

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

Deterministic 5-Pillar Attribution (54/100 Composite)

🔍 WHY FOA SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (28% of score)

FRED Regime × Technicals: 2% of 52W Range • RSI-14 at 25.1 (OVERSOLD (<32))

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (22% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality7/20 pts (-13 pt drag)

Capital intensity & 0% operating margin leave 13 pts on the table

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

Q1 (-3Q)

Grade C+$12.82-14% Next Q

Q2 (-2Q)

Grade C$11.02+3.3% Next Q

Q3 (-1Q)

Grade C$11.38-7.8% Next Q

Current

Grade D+$10.49-0.7% Hist 90D α

Trajectory: C+ (62) → D+ (54)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 54/100 (D+) rating due to Cash Engine Quality (7/20), 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 ($14.17) and Max Pain ($11.01) 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 54%NO 46%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

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FOA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -46.89%▼ SUPPORT BREAKDOWN

2026-10-30O $10.34H $11.15L $10.04C $10.49VOL 84.1K

RES: $11.43SUP: $10.79SMA50: $14.17SMA200: $19.38

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-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 (#33)

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 #592 of 1096 ⚔️ TONX vs FOA Full Matrix →

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

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Finance of America Companies Inc. (Class A) (FOA) ranks #592 by composite RQD confidence (54/100, grade D+) and #902 by equity capitalization ($181.5M). 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 54/100 (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+	54/100	4.0x	—	11.4%	+0.29%	$181.5M	Benchmark Subject
TONX TON Strategy Company	D-	35/100	—	—	-7.8%	-1.49%	$181.7M	/tonx-vs-foa →
FUFU BitFuFu Inc. (Class A)	E	24/100	—	—	-15.4%	-8.68%	$184.2M	/fufu-vs-foa →
ZSQR Z Squared Inc.	E	24/100	—	—	-35.0%	-2.69%	$191.3M	/zsqr-vs-foa →
EXOD Exodus Movement Inc. (Class A)	E	28/100	—	—	-4.6%	-3.09%	$170.3M	/exod-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 TONX and FUFU 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 $10.49 (+0.29% on volume of 70,719 shares), positioning the stock -25.97% below its 50-day simple moving average ($14.17) and -45.87% below its 200-day simple moving average ($19.38). Across its 52-week range of $10.04 to $29.79, FOA sits at the 2.3% percentile with a 14-day RSI of 25.1 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($9.18 to $11.80).

FOA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

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).

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