Finance of AmericaFOA +2.92%48 PB Ratio is 0.53 as of Jun. 24, 2026, which is 13% above its 10-year median of 0.47. 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 523 Credit Services companies, Finance of America ranks better than 81.07% on this metric.
The historical rank and industry rank for Finance of America's PB Ratio or its related term are showing as below:
FOA'
s PB Ratio Range Over the Past 10 Years
Min: 0.02 Med: 0.47 Max: 1.16
Current: 0.53
During the past 7 years, Finance of America's highest PB Ratio was 1.16. The lowest was 0.02. And the median was 0.47.
FOA's PB Ratio is ranked better than 81.07% of 523
companies
in the Credit Services industry
Industry Median: 1.05
vs FOA: 0.53
During the past 12 months, Finance of America's average Book Value Per Share Growth Rate was 49.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 0.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -20.30% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Finance of America was 0.80% per year. The lowest was -38.70% per year. And the median was -26.20% per year.
Back to Basics: PB Ratio
Finance of America (NYSE:FOA) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Finance of America PB Ratio Related Terms
Finance of America PB Ratio Historical Data
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The historical data trend for Finance of America's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance of America's PB Ratio distribution charts can be found below:
* The bar in red indicates where Finance of America's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Finance of America (FOA) has a PB Ratio of 0.53 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Finance of America and its competitors. This is 13% above median its historical median of 0.47. Over the past decade, Finance of America's PB Ratio has ranged from 0.02 to 1.16. According to the industry distribution chart, Finance of America ranks #99 out of 523 companies in the Credit Services industry, placing it in the top 18.9%.
Is Finance of America's PB Ratio too high?
Finance of America's current PB Ratio of 0.53 is 13% above median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 1.16. The Credit Services industry median PB Ratio is 1.05. Finance of America's value of 0.53 is 49.5% below this industry median. Based on the distribution chart, Finance of America ranks #99 out of 523 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 Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finance of America's PB Ratio compare to ANTA and XYF?
According to the Credit Services industry distribution chart, Finance of America ranks #99 out of 523 companies for PB Ratio. This places Finance of America in the top 19% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.05. Finance of America's value of 0.53 is 49.5% below this benchmark. Historically, Finance of America's own PB Ratio has ranged from 0.02 to 1.16 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 1.05, Finance of America has consistently been below 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Finance of America's current PB Ratio of 0.53 is 49.5% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Finance of America and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance of America's current PB Ratio is 0.53, which is 13% above median its own 10-year median of 0.47. 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 PB Ratio is 0.53, which is 13% above median its 10-year median of 0.47 and 49.5% below the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Finance of America (FOA), the current PB Ratio is 0.53 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 $21.47 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:
PB Ratio: 0.53 (13% above median its 10-year median of 0.47)
GF Value™: $24.60 vs. price of $21.47 (12.7% below fair value)
Industry Position: 49.5% below the Credit Services median (#99 of 523)
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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