FOA (Finance of America) LT-Debt-to-Total-Asset: 0.95 (As of Mar. 2026)


FOA Finance of America Companies Inc FOA
47 GF Score
Price $27.52
GF Value $24.70
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Finance of America LT-Debt-to-Total-Asset?

Finance of America FOA +0.44% 47 LT-Debt-to-Total-Asset is 0.95 as of Mar. 2026. GuruFocus rates FOA with a GF Score™ of 47/100 and a GF Value™ of $24.70 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Finance of America's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.95.

Finance of America's long-term debt to total assets ratio increased from Mar. 2025 (0.94) to Mar. 2026 (0.95). It may suggest that Finance of America is progressively becoming more dependent on debt to grow their business.

Finance of America  (NYSE:FOA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Finance of America LT-Debt-to-Total-Asset Related Terms

Finance of America LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Finance of America's LT-Debt-to-Total-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.

Finance of America LT-Debt-to-Total-Asset Chart

Finance of America Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.78 0.90 0.94 0.95 0.94

Finance of America Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.94 0.94 0.95 0.94 0.95
FOA
47GF Score
Finance of America Companies Inc FOA
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Finance of America LT-Debt-to-Total-Asset Calculation

Finance of America's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=29004.317/30733.298
=0.94

Finance of America's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=29856.295/31328.139
=0.95

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.95 mean?
Finance of America (FOA) has a LT-Debt-to-Total-Asset of 0.95 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Finance of America and its competitors.
Is Finance of America's LT-Debt-to-Total-Asset too high?
Finance of America's current LT-Debt-to-Total-Asset is 0.95. 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 LT-Debt-to-Total-Asset compare to CPSS and PMTS?
Finance of America's LT-Debt-to-Total-Asset of 0.95 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Finance of America and its competitors. Finance of America's current LT-Debt-to-Total-Asset is 0.95. 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 $24.70, compared to a current price of $27.52 — trading 11.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.95. Finance of America's overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Finance of America (FOA), the current LT-Debt-to-Total-Asset is 0.95 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 overvalued. The current stock price of $27.52 is trading 11.4% above its estimated GF Value™ of $24.70. GuruFocus considers Finance of America to be Modestly Overvalued.

Key valuation signals for FOA:

  • LT-Debt-to-Total-Asset: 0.95
  • GF Value™: $24.70 vs. price of $27.52 (11.4% above fair value)
  • GF Score™: 47/100 with 6 warning signs

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 Business Description

Address 5830 Granite Parkway, Suite 400, Plano, TX, USA, 75024
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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.52
Price
$24.70
GF Value