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Finance of AmericaFOA +2.68%51 Debt-to-Equity is 88.46 as of Mar. 2026, which is 1% below its 10-year median of 89.45. GuruFocus rates FOA with a GF Score™ of 51/100 and a GF Value™ of $26.94 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 455 Credit Services companies, Finance of America ranks worse than 99.78% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Finance of America's Debt-to-Equity or its related term are showing as below:
FOA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 25.6 Med: 89.45 Max: 156.3
Current: 88.46
During the past 7 years, the highest Debt-to-Equity Ratio of Finance of America was 156.30. The lowest was 25.60. And the median was 89.45.
FOA's Debt-to-Equity is ranked worse than 99.78% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs FOA: 88.46
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Finance of America Debt-to-Equity Related Terms
Finance of America Debt-to-Equity Historical Data
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The historical data trend for Finance of America's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Finance of America's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Finance of America Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance of America's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Finance of America's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Finance of America (FOA) has a Debt-to-Equity of 88.46 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Finance of America and its competitors. This is near median its historical median of 89.45. Over the past decade, Finance of America's Debt-to-Equity has ranged from 25.60 to 156.30. According to the industry distribution chart, Finance of America ranks #454 out of 455 companies in the Credit Services industry, placing it in the top 99.8%.
Is Finance of America's Debt-to-Equity too high?
Finance of America's current Debt-to-Equity of 88.46 is near median its 10-year median of 89.45. Over the past 10 years, this metric has ranged from a low of 25.60 to a high of 156.30. The Credit Services industry median Debt-to-Equity is 1.23. Finance of America's value of 88.46 is 7091.9% above this industry median. Based on the distribution chart, Finance of America ranks #454 out of 455 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Finance of America has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finance of America's Debt-to-Equity compare to CPSS and XYF?
According to the Credit Services industry distribution chart, Finance of America ranks #454 out of 455 companies for Debt-to-Equity. This places Finance of America in the lower half of its industry. The industry median Debt-to-Equity is 1.23. Finance of America's value of 88.46 is 7091.9% above this benchmark. Historically, Finance of America's own Debt-to-Equity has ranged from 25.60 to 156.30 over the past decade. While the company's 10-year median is 89.45 vs. the industry median of 1.23, Finance of America has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Finance of America's current Debt-to-Equity of 88.46 is 7091.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Finance of America and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance of America's current Debt-to-Equity is 88.46, which is near median its own 10-year median of 89.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance of America stock overvalued right now?
Based on GuruFocus' analysis, Finance of America (FOA) is currently considered Modestly Undervalued. The stock's GF Value™ is $26.94, compared to a current price of $23.36 — trading 13.3% below its estimated fair value. The current Debt-to-Equity is 88.46, which is near median its 10-year median of 89.45 and 7091.9% above the Credit Services industry median of 1.23. Finance of America's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Finance of America (FOA), the current Debt-to-Equity is 88.46 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Finance of America (FOA) Overvalued in 2026?
Based on GuruFocus' analysis, Finance of America stock appears to be undervalued.
The current stock price of $23.36 is trading 13.3% below its estimated GF Value™ of $26.94.
GuruFocus considers Finance of America to be Modestly Undervalued.
Key valuation signals for FOA:
Debt-to-Equity: 88.46 (near median its 10-year median of 89.45)
GF Value™: $26.94 vs. price of $23.36 (13.3% below fair value)
Industry Position: 7091.9% above the Credit Services median (#454 of 455)
No single metric tells the full story. See the FOA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finance of America Companies Inc provides home equity-based financing solutions for modern retirement and offers capital markets and portfolio management capabilities to optimize loan distribution to investors. The Company operates through two segments: Retirement Solutions and Portfolio Management. The Retirement Solutions segment handles loan origination, including HECM and non-agency reverse mortgage loans, generating revenue from origination fees and initial gains, with loans transferred to the Portfolio Management segment. The Portfolio Management segment, which generates the majority of revenue, provides securitization, loan sales, risk management, and asset management services, and earns revenue from net interest income, fair value changes, and servicing-related income.
51GF Score
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