Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Finance of America's Enterprise Value is $36,936.2 Mil.
Finance of America's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $-555.3 Mil. Therefore, Finance of America's EV-to-OCF for today is -66.51.
The historical rank and industry rank for Finance of America's EV-to-OCF or its related term are showing as below:
FOA'
s EV-to-OCF Range Over the Past 10 Years
Min: -368.47 Med: -64.81 Max: 196.79
Current: -66.51
During the past 7 years, the highest EV-to-OCF of Finance of America was 196.79. The lowest was -368.47. And the median was -64.81.
FOA's EV-to-OCF is ranked better than 89.52% of 544
companies
in the Credit Services industry
Industry Median: -0.56
vs FOA: -66.51
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Finance of America (NYSE:FOA) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Finance of America's PE Ratio (TTM) for today is calculated as:
Finance of America's share price for today is $21.76.
Finance of America's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-3.010.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Finance of America EV-to-OCF Related Terms
Finance of America EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Finance of America's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance of America's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Finance of America's EV-to-OCF falls into.
Finance of America's current Enterprise Value is $36,936.2 Mil.
Finance of America's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-555.3 Mil.
* 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 EV-to-OCF of -66.51 as of Aug. 14, 2026. According to the industry distribution chart, Finance of America ranks #57 out of 544 companies in the Credit Services industry, placing it in the top 10.5%.
Is Finance of America's EV-to-OCF too high?
Finance of America's current EV-to-OCF is -66.51. Based on the distribution chart, Finance of America ranks #57 out of 544 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Finance of America has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Finance of America's EV-to-OCF compare to CPSS and XYF?
According to the Credit Services industry distribution chart, Finance of America ranks #57 out of 544 companies for EV-to-OCF. This places Finance of America in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Finance of America's current EV-to-OCF is -66.51. 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 Significantly Overvalued. The stock's GF Value™ is $16.12, compared to a current price of $21.76 — trading 35% above its estimated fair value. The current EV-to-OCF is -66.51. Finance of America's overall GF Score™ is 47/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Finance of America (FOA), the current EV-to-OCF is -66.51 as of Aug. 14, 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 overvalued.
The current stock price of $21.76 is trading 35% above its estimated GF Value™ of $16.12.
GuruFocus considers Finance of America to be Significantly Overvalued.
Key valuation signals for FOA:
EV-to-OCF: -66.51
GF Value™: $16.12 vs. price of $21.76 (35% above fair value)
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.
47GF Score
Get the complete analysis for FOA
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FOA has been successfully added to your 
