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Finance of AmericaFOA -2.43%47 Equity-to-Asset is 0.01 as of Jun. 2026, which is at its 10-year median of 0.01. GuruFocus rates FOA with a GF Score™ of 47/100 and a GF Value™ of $16.12 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 551 Credit Services companies, Finance of America ranks worse than 95.64% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Finance of America's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $346.7 Mil. Finance of America's Total Assets for the quarter that ended in Jun. 2026 was $37,316.8 Mil.
Therefore, Finance of America's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.01.
The historical rank and industry rank for Finance of America's Equity-to-Asset or its related term are showing as below:
FOA'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.01 Med: 0.01 Max: 0.03
Current: 0.01
During the past 7 years, the highest Equity to Asset Ratio of Finance of America was 0.03. The lowest was 0.01. And the median was 0.01.
FOA's Equity-to-Asset is ranked worse than 95.64% of 551
companies
in the Credit Services industry
Industry Median: 0.4
vs FOA: 0.01
Finance of America (NYSE:FOA) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Finance of America Equity-to-Asset Related Terms
Finance of America Equity-to-Asset Historical Data
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The historical data trend for Finance of America's Equity-to-Asset 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.
FOA vs CPSS, XYF, PMTS: Equity-to-Asset Comparison
For the Credit Services subindustry, Finance of America's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance of America's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Finance of America's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Finance of America's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.01 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Finance of America and its competitors. This is near median its historical median of 0.01. Over the past decade, Finance of America's Equity-to-Asset has ranged from 0.01 to 0.03. According to the industry distribution chart, Finance of America ranks #527 out of 551 companies in the Credit Services industry, placing it in the top 95.6%.
Is Finance of America's Equity-to-Asset too high?
Finance of America's current Equity-to-Asset of 0.01 is near median its 10-year median of 0.01. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.03. The Credit Services industry median Equity-to-Asset is 0.40. Finance of America's value of 0.01 is 97.5% below this industry median. Based on the distribution chart, Finance of America ranks #527 out of 551 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Finance of America has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Finance of America's Equity-to-Asset compare to CPSS and XYF?
According to the Credit Services industry distribution chart, Finance of America ranks #527 out of 551 companies for Equity-to-Asset. This places Finance of America in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Finance of America's value of 0.01 is 97.5% below this benchmark. Historically, Finance of America's own Equity-to-Asset has ranged from 0.01 to 0.03 over the past decade. While the company's 10-year median is 0.01 vs. the industry median of 0.40, Finance of America has consistently been below 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Finance of America's current Equity-to-Asset of 0.01 is 97.5% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Finance of America and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance of America's current Equity-to-Asset is 0.01, which is near median its own 10-year median of 0.01. 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 Overvalued. The stock's GF Value™ is $16.12, compared to a current price of $19.67 — trading 22% above its estimated fair value. The current Equity-to-Asset is 0.01, which is near median its 10-year median of 0.01 and 97.5% below the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Finance of America (FOA), the current Equity-to-Asset is 0.01 as of Jun. 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 $19.67 is trading 22% above its estimated GF Value™ of $16.12.
GuruFocus considers Finance of America to be Modestly Overvalued.
Key valuation signals for FOA:
Equity-to-Asset: 0.01 (near median its 10-year median of 0.01)
GF Value™: $16.12 vs. price of $19.67 (22% above fair value)
Industry Position: 97.5% below the Credit Services median (#527 of 551)
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
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