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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Finance of America's Total Liabilities for the quarter that ended in Jun. 2026 was $36,910.1 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 Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.99.
Finance of America (NYSE:FOA) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Finance of America Liabilities-to-Assets Related Terms
Finance of America Liabilities-to-Assets Historical Data
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The historical data trend for Finance of America's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Credit Services subindustry, Finance of America's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance of America's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Finance of America's Liabilities-to-Assets falls into.
Finance of America Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Finance of America's Liabilities-to-Assets 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 Liabilities-to-Assets of 0.99 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Finance of America and its competitors.
Is Finance of America's Liabilities-to-Assets too high?
Finance of America's current Liabilities-to-Assets is 0.99. 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 Liabilities-to-Assets compare to CPSS and XYF?
Finance of America's Liabilities-to-Assets of 0.99 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Credit Services company?
A good Liabilities-to-Assets depends on the Credit Services industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Finance of America and its competitors. Finance of America's current Liabilities-to-Assets is 0.99. 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 $21.20 — trading 31.5% above its estimated fair value. The current Liabilities-to-Assets is 0.99. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Finance of America (FOA), the current Liabilities-to-Assets is 0.99 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 $21.20 is trading 31.5% above its estimated GF Value™ of $16.12.
GuruFocus considers Finance of America to be Significantly Overvalued.
Key valuation signals for FOA:
Liabilities-to-Assets: 0.99
GF Value™: $16.12 vs. price of $21.20 (31.5% 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
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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