FOA (Finance of America) Moat Score: 4/10 (As of Jun. 29, 2026)


FOA Finance of America Companies Inc FOA
48 GF Score
Price $27.40
GF Value $24.70
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Finance of America Moat Score?

Finance of America FOA +13.18% 48 Moat Score is 4 as of Jun. 29, 2026. GuruFocus rates FOA with a GF Score™ of 48/100 and a GF Value™ of $24.70 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 566 Credit Services companies, Finance of America ranks better than 95.05% on this metric.

Finance of America has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Finance of America has Narrow Moat: Finance of America has a discernible but modest moat due to its diversified financial services and some customer loyalty. However, it lacks strong pricing power, significant regulatory barriers, or a superior distribution network.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Finance of America might have Narrow Moat - Discernible but modest moat.

Finance of America  (NYSE:FOA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Finance of America Moat Score Related Terms

FOA vs CPSS, PMTS, MFIN: Moat Score Comparison

For the Credit Services subindustry, Finance of America's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Finance of America's Moat Score distribution charts can be found below:

* The bar in red indicates where Finance of America's Moat Score falls into.


FOA
48GF Score
Finance of America Companies Inc FOA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Finance of America (FOA) has a Moat Score of 4 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Finance of America ranks #28 out of 566 companies in the Credit Services industry, placing it in the top 4.9%.
Is Finance of America's Moat Score too high?
Finance of America's current Moat Score is 4. Based on the distribution chart, Finance of America ranks #28 out of 566 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 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Finance of America's Moat Score compare to CPSS and PMTS?
According to the Credit Services industry distribution chart, Finance of America ranks #28 out of 566 companies for Moat Score. This places Finance of America in the top 5% 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 Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Finance of America's current Moat Score is 4. 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 $27.40 — trading 10.9% above its estimated fair value. The current Moat Score is 4. Finance of America's overall GF Score™ is 48/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Finance of America (FOA), the current Moat Score is 4 as of Jun. 29, 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 $27.40 is trading 10.9% above its estimated GF Value™ of $24.70. GuruFocus considers Finance of America to be Modestly Overvalued.

Key valuation signals for FOA:

  • Moat Score: 4
  • GF Value™: $24.70 vs. price of $27.40 (10.9% above fair value)
  • GF Score™: 48/100 with 5 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.
48GF Score

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$27.40
Price
$24.70
GF Value