Finance of AmericaFOA +2.92%48 Net Margin % is 18.42% as of Mar. 2026, which is 112% above its 10-year median of 8.70. GuruFocus rates FOA with a GF Score™ of 48/100 and a GF Value™ of $24.60 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 534 Credit Services companies, Finance of America ranks worse than 62.36% on this metric.
The historical rank and industry rank for Finance of America's Net Margin % or its related term are showing as below:
FOA'
s Net Margin % Range Over the Past 10 Years
Min: -45.24 Med: 8.7 Max: 588.89
Current: 9.03
FOA's Net Margin % is ranked worse than 62.36% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs FOA: 9.03
Finance of America (NYSE:FOA) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Finance of America Net Margin % Related Terms
Finance of America Net Margin % Historical Data
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The historical data trend for Finance of America's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance of America's Net Margin % distribution charts can be found below:
* The bar in red indicates where Finance of America's Net Margin % falls into.
* 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 Net Margin % of 18.42% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Finance of America and its competitors. This is 112% above median its historical median of 8.70. According to the industry distribution chart, Finance of America ranks #333 out of 534 companies in the Credit Services industry, placing it in the top 62.4%.
Is Finance of America's Net Margin % too high?
Finance of America's current Net Margin % of 18.42% is 112% above median its 10-year median of 8.70. The Credit Services industry median Net Margin % is 14.52. Finance of America's value of 18.42% is 26.9% above this industry median. Based on the distribution chart, Finance of America ranks #333 out of 534 companies in the Credit Services industry, which is below the industry midpoint. 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 Net Margin % compare to ANTA and XYF?
According to the Credit Services industry distribution chart, Finance of America ranks #333 out of 534 companies for Net Margin %. This places Finance of America in the lower half of its industry. The industry median Net Margin % is 14.52. Finance of America's value of 18.42% is 26.9% above this benchmark. While the company's 10-year median is 8.70 vs. the industry median of 14.52, Finance of America has consistently been above 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Finance of America's current Net Margin % of 18.42% is 26.9% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Finance of America and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance of America's current Net Margin % is 18.42%, which is 112% above median its own 10-year median of 8.70. 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 $21.47 — trading 12.7% below its estimated fair value. The current Net Margin % is 18.42%, which is 112% above median its 10-year median of 8.70 and 26.9% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Finance of America (FOA), the current Net Margin % is 18.42% 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 undervalued.
The current stock price of $21.47 is trading 12.7% below its estimated GF Value™ of $24.60.
GuruFocus considers Finance of America to be Modestly Undervalued.
Key valuation signals for FOA:
Net Margin %: 18.42% (112% above median its 10-year median of 8.70)
GF Value™: $24.60 vs. price of $21.47 (12.7% below fair value)
Industry Position: 26.9% above the Credit Services median (#333 of 534)
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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