FINANCE OF AMERICA COMPANIES INC C (FOA)
Financials · specialized consumer finance / mortgage lending · NYSE
A specialized financial services firm helping seniors unlock home equity for retirement through reverse mortgage and home equity financing products.
What FINANCE OF AMERICA COMPANIES INC C does
Finance of America Companies is a financial services holding company that provides home equity-based financing solutions primarily for senior homeowners aged 55 and older. The company originates, acquires, and services reverse mortgage loans, including HECM and non-agency products, and has recently expanded into traditional home equity loans. It also leverages capital markets and portfolio management capabilities to distribute and monetize originated loans through sales or securitization.
Recent developments
In June 2026, the company completed the acquisition of the Onity HECM servicing portfolio. In April 2026, it launched a new non-revolving, multi-draw second lien reverse mortgage line of credit.
From FINANCE OF AMERICA COMPANIES INC C's filing of 2026-08-07.
Themes: retirement solutions, home equity financing, reverse mortgages, AI-powered customer service, fintech
Fundamentals
- Price$13.05 as of 2026-10-08 close
- Market cap$226M as of 2026-08-06 (share count; price 2026-10-08)
- 1-year return-41.8% 2025-10-08 close $22.43 → 2026-10-08 close $13.05
- P/En/a negative earnings
- Net margin+9.1% FY2025, SEC XBRL
- ROE+11.4% FY2025, SEC XBRL
- Debt / equity88.46 as of 2026-09-03
- Revenue growth (YoY)+1.9% as of 2026-09-03
- Revenue CAGR (3y)+111.3% SEC XBRL
- Beta1.12 as of 2026-09-03
- Last reported earnings2026-08-04 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.6%; pays a dividend.
How FOA compares in its sector
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-03
- operating marginbottom 25% 122 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- indicated dividend yieldbottom 10% 468 covered Financials peers, as of 2026-09-03
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How FINANCE OF AMERICA COMPANIES INC C looks technically
FINANCE OF AMERICA COMPANIES INC C (FOA) is trading 36.0% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 17 trading days ago — a "death cross", a bearish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 48, with sellers in control. Momentum is beaten down — its 14-day RSI (a 0–100 momentum gauge) is 30, in oversold territory (below 30). It made a new 20-day low about 7 trading days ago. It is 56.2% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 36.0% below its 200-day average, the long-term trend line — a long-term downtrend | -36.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $17.63 | $17.63 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $20.40 | $20.40 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 21.96. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible downward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 17 trading days ago — a "death cross", a bearish long-term signal | 17 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 48, with sellers in control | 48.4 |
Momentum
3
| 14-day RSI | momentum is beaten down — its 14-day RSI (a 0–100 momentum gauge) is 30, in oversold territory (below 30) | 29.6 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($12.15 to $15.40) — its "stochastic" reading is 28 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 27.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 13 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $29.79 | $29.79 |
|---|---|---|
| From the 52-week high | it is 56.2% below its 52-week high (its highest price of the past year) | -56.2% |
| Above the 52-week low | it is 7.4% above its 52-week low (its lowest price of the past year) | +7.4% |
| Below the 52-week high | it is 56.2% below its highest point of the past year | 56.2% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $116.50 (set on 2021-05-05) | $116.50 |
| Given back of the 52-week move | over the past year its closes ranged ($12.64 to $27.90), and it has recovered only a small part of its fall from last year’s high — 3% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $22.07 to $22.56. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 2.7% |
| From the all-time high | it is 88.8% below its all-time high | -88.8% |
| Nearest price level | it is trading 33.0% below a resistance level at $17.35 — a price it turned at twice since 2024-11-27, most recently on 2025-04-11. Since 2024-10-08 it has 0 such levels below the current price and 14 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +33.0% |
| All-time low | its lowest closing price on record is $4.10 (set on 2024-07-02) | $4.10 |
| Above the all-time low | it is 218.1% above its all-time low | +218.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 45th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.7315 between its high and its low — about 5.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.7315 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $12.30 and $15.62 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $12.30 – $13.96 – $15.62 |
| Typical daily range (% of price) | its price moves about 5.6% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 5.6% |
| Stretch from the 200-day average | it is trading 10.1 daily ranges below its 200-day average price (36.0% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 10.1 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.12× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a bullish engulfing | 9 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 9 sessions ago |
|---|---|---|
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-10-08 1.9% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -1.9% |
|---|---|---|
| Open gap | it gapped 2.4% below the previous close 45 sessions ago and has not traded back through the level it left behind at 23.76 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -2.4% |
| Gap filled | a 2.2% gap up opened on 2026-10-02 has been "filled" 2 sessions ago — price traded back through the level the gap left behind, and it took 2 sessions to close | 2 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 23.2 percentage points (the stock lost 22.1% while the market gained 1.0%) | -23.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 53.0 percentage points (the stock lost 49.2% while the market gained 3.8%) | -53.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 45.4 percentage points (the stock lost 28.0% while the market gained 17.5%) | -45.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 56.8 percentage points (the stock lost 41.8% while the market gained 15.0%) | -56.8% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: its RSI momentum gauge is oversold (a beaten-down reading), MACD momentum is positive — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 35% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 25.7% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -35.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 35% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $20.17 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -35.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 22% below the average price paid since it last reported on 2026-08-04 (its 8-K), so the typical buyer over that stretch is under water. That average is $16.72 — a volume-weighted average of daily closes over 47 sessions, not a true tick-by-tick VWAP. | -22.0% |
Price levels it has turned at before
FOA last closed at $13.05 on 2026-10-08. Since 2024-10-08 it has turned at 0 prices below its last close and 14 above; the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $17.35 | Resistance | 33.0% above the last close | turned there twice · 2024-11-27 to 2025-04-11 |
| $19.00 | Resistance | 45.6% above the last close | turned there three times · 2025-05-06 to 2026-06-03 |
| $19.84 | Resistance | 52.0% above the last close | turned there twice · 2025-08-01 to 2026-03-11 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $21.96.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $15.15 and $18.50 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $12.15.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Recent death cross (50-day crossed below 200-day) · Oversold (14-day RSI below 30) · Pulled back from the 12-month high · lagging the market · Stretched far below its 200-day average (6+ daily ranges) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$31.00 range $30.00 – $32.00
Analyst estimates, as of 2026-10-09. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FOA
- Consensus EPS estimate$1.26 next reporting period, as of 2026-10-09
- Estimate change, 30 days$0.00 (0.0%) from $1.26, on 2026-09-04, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Dependence on the reverse mortgage market and potential changes to the FHA HECM program.","Sensitivity to interest rate fluctuations and housing market conditions.","Risks associated with the monetization of loans through sales and securitization."]
What changed in the latest 10-Q
AI-assisted comparison of FOA's 10-Q filed 2026-08-07 against the prior one filed 2026-05-11.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-07) states FOA is 'pursuing partnerships with mortgage servicers' rather than the older wording.
- Newer filing (2026-08-07) section contains page number 46 at the section break; older filing (2026-05-11) contains page number 40 at the corresponding location.
- Removed:
- Older filing (2026-05-11) stated FOA would 'anticipate pursuing partnerships with mortgage servicers in the future'; newer filing (2026-08-07) no longer includes 'in the future'.
- Reworded:
- Older filing (2026-05-11) says 'We anticipate pursuing partnerships with mortgage servicers in the future to make our second lien reverse mortgage loan products available...'; newer filing (2026-08-07) changes this to 'We are also pursuing partnerships with mortgage servicers to make our second lien reverse mortgage loan products available...'.
- Newer filing (2026-08-07) ends the extract with '...leveraging automated digital tools t'; older filing (2026-05-11) ends with '...leveraging automated dig'. This appears to be truncation, not a substantive change.
- Notes:
- The newer MD&A text is truncated mid-sentence at 'leveraging automated digital tools t' and the older at 'leveraging automated dig', so the comparison covers only the provided excerpts.
- Only the first portion of the MD&A section is included; changes later in the MD&A would not be captured.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 10 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 3 sells ($172476) — 2 selling insiders
- Last 90 days · read to 2026-10-040 buys · 10 sells ($841011) — 2 selling insiders
- Last 180 days · read to 2026-10-040 buys · 19 sells ($2M) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-10-05. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FOA's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding FOA as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 619,559
- Reported value $17,050,264
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about FOA's institutional holders → See what each manager we track holds →
Short interest (FINRA)
FOA had 420,444 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for FOA because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 420,444
- Prior settlement (shares) 385,400
- Reported change 9.09%
- Days to cover (reported) 6.47
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- American Advisors Group (AAG)
- Liberty Reverse Mortgage (Ocwen Financial)
- Mutual of Omaha Mortgage
- Longbridge Financial
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
FINANCE OF AMERICA COMPANIES INC C is found in…
FOA ranks in…
Frequently asked questions
What does FINANCE OF AMERICA COMPANIES INC C (FOA) do?
Finance of America Companies is a financial services holding company that provides home equity-based financing solutions primarily for senior homeowners aged 55 and older. The company originates, acquires, and services reverse mortgage loans, including HECM and non-agency products, and has recently expanded into traditional home equity loans. It also leverages capital markets and portfolio management capabilities to distribute and monetize originated loans through sales or securitization.
What sector is FINANCE OF AMERICA COMPANIES INC C (FOA) in?
FINANCE OF AMERICA COMPANIES INC C (FOA) is classified in the Financials sector. Its industry is specialized consumer finance / mortgage lending. It trades on NYSE.
Does FOA pay a dividend?
Yes — FINANCE OF AMERICA COMPANIES INC C (FOA) pays a dividend, with an indicated yield of about 0.64% (market data, as of 2026-09-03). Informational only — not financial advice.
Who are FINANCE OF AMERICA COMPANIES INC C's (FOA) competitors?
Notable peers of FINANCE OF AMERICA COMPANIES INC C (FOA) include American Advisors Group, Liberty Reverse Mortgage (Ocwen Financial), Mutual of Omaha Mortgage and Longbridge Financial. This peer set is informational only — not financial advice.
Is FINANCE OF AMERICA COMPANIES INC C (FOA) overbought or oversold right now?
FINANCE OF AMERICA COMPANIES INC C (FOA) is currently in oversold territory (its 14-day RSI is 30, below 30) (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FOA come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.