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.
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.
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).
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
FRED Regime × Technicals: 2% of 52W Range • RSI-14 at 25.1 (OVERSOLD (<32))
20D Institutional Volume Accumulation (±12.5% realized swing band)
Capital intensity & 0% operating margin leave 13 pts on the table
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($14.17) and Max Pain ($11.01) 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) advanced +0.29% to $10.49, trading at 2% 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.
Finance of America Companies (FOA) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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
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 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 → |
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 2026-11-02, 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.
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).
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 $10.49 (+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).
Why FOA Stock advanced +0.29% Today — RQD Quant Desk Flash. Stretched risk/reward at 4x P/E (11% return on capital) under elevated 10-year interest-rate pressure.
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