Stock fact sheet · data as of
Finance of America Companies Inc. (FOA): fair value, margin of safety and Wheel Score
Ticker symbol FOA · Financial Services · Financial - Credit Services · United States · Class A common stock · Value
FOA is Finance of America Companies Inc.'s Class A common stock. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is FOA undervalued?
At 11.99 (close of 5 Nov 2026), FOA trades 91% below the GLS average fair value of 131.17. That average comes from 5 models run on the latest filings, and 3 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Finance of America Companies Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 5 models disagree widely: EPV gives 10.65 while Graham Number gives 560.66. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, FOA is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 84, growth score 62, out of 100).
Nine valuation models for FOA
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 560.66 | +4576% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 30.26 | +152% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 11.40 | -5% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 42.86 | +257% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 10.65 | -11% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -3,255.93 | -27255% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 30.00 | +150% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: FOA passes 4 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 1.9 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are thin or negative - ROIC 0.1%, ROE 14.0%, ROA 0.1% - with debt at 93.27 times equity and negative free cash flow. Debt of 93.27 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
Finance of America Companies Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Lender Services 38%, Reverse Of Mortage Originations 31%, Portfolio Management 31% (quarter Q4 FY2022).
Institutional ownership scores 8/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 0.1% |
|---|---|---|---|
| GLS Moat | 1.9 / 10 | ROE | 14.0% |
| Debt / equity | 93.27 | ROA | 0.1% |
| Free-cash-flow yield | -502.4% | Payout ratio | 11% |
| Institutions | 8 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 26: Weak
FOA scores 26 out of 100 on the Wheel Score, in the Weak band (under 50): it fails filter 4, financially healthy - Piotroski 4/9 (under 6); and filter 6, no serious red flags - Red Flags score 45 (under 60); and filter 7, a premium worth selling - implied volatility 107% (over 80%); and filter 8, big enough - market cap $111M (under $1.0B), and the parts are thin too - value strong, premium weak, moat weak, health fair, red flags weak, option trading weak, stability weak. The score is not a judgement on the company; it says the price, quality and premium do not line up for selling puts on it today.
Implied volatility is 107%, above the 80% ceiling of the Wheel Trade Filter on premium. The premium looks generous, but moves of that size can blow through any strike. Chain open interest is thin - 1,692 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 203k shares a day on a market cap of $111M, with a beta of 1.76 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that weak.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Fails | Red Flags score 45 (under 60) |
| 7 | A premium worth selling | Fails | implied volatility 107% (over 80%) |
| 8 | Big enough | Fails | market cap $111M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 91% below fair value | |
| Premium | Weak | implied volatility 107% | |
| Moat | Weak | moat 1.9/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Weak | Red Flags score 45/100 | |
| Option trading | Weak | 1,081 contracts a day, 1,692 open interest | |
| Stability | Weak | beta 1.76, $111M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for FOA in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
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Start free See the Sunday ScanQuestions about FOA
What kind of share is FOA?
FOA is Finance of America Companies Inc.'s Class A common stock. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is FOA undervalued right now?
By the GLS models, yes: at 11.99 the stock is 91% below the average fair value of 131.17 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of FOA and what does it mean?
FOA scores 26 out of 100 (Weak) - it fails Wheel Trade Filters 4, 6, 7, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for FOA?
131.17 per share as of 5 Nov 2026 - the simple average of the 5 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Finance of America Companies Inc. report earnings next?
No upcoming earnings date is recorded for FOA in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does FOA have listed options, and how liquid are they?
Yes. The nightly snapshot found 12 listed contracts with 1,692 open interest across all expiries and implied volatility of 107% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.