EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Finance of America's Enterprise Value is $30,932.2 Mil.
Finance of America's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-468.5 Mil. Therefore, Finance of America's EV-to-FCF for today is -66.02.
The historical rank and industry rank for Finance of America's EV-to-FCF or its related term are showing as below:
FOA'
s EV-to-FCF Range Over the Past 10 Years
Min: -358.83 Med: -64.63 Max: 289.89
Current: -66.02
During the past 7 years, the highest EV-to-FCF of Finance of America was 289.89. The lowest was -358.83. And the median was -64.63.
FOA's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 13.64
vs FOA: -66.02
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $21.795.
Finance of America's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.400.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Finance of America EV-to-FCF Related Terms
Finance of America EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Finance of America's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance of America's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Finance of America's EV-to-FCF falls into.
Finance of America's current Enterprise Value is $30,932.2 Mil.
Finance of America's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-468.5 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-FCF of -66.02 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Finance of America and its competitors. According to the industry distribution chart, Finance of America ranks #999999 out of 265 companies in the Credit Services industry.
Is Finance of America's EV-to-FCF too high?
Finance of America's current EV-to-FCF is -66.02. Based on the distribution chart, Finance of America ranks #999999 out of 265 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Finance of America has a GF Score™ of 48/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finance of America's EV-to-FCF compare to ANTA and XYF?
According to the Credit Services industry distribution chart, Finance of America ranks #999999 out of 265 companies for EV-to-FCF. This places Finance of America in the lower half of its industry. The industry median EV-to-FCF is 13.64. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.64, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Finance of America and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance of America's current EV-to-FCF is -66.02. 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 $24.60, compared to a current price of $21.80 — trading 11.4% below its estimated fair value. The current EV-to-FCF is -66.02. Finance of America's overall GF Score™ is 48/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Finance of America (FOA), the current EV-to-FCF is -66.02 as of Jun. 24, 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 $21.80 is trading 11.4% below its estimated GF Value™ of $24.60.
GuruFocus considers Finance of America to be Modestly Undervalued.
Key valuation signals for FOA:
EV-to-FCF: -66.02
GF Value™: $24.60 vs. price of $21.80 (11.4% below 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.
48GF Score
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