FOA (Finance of America) Scaled Net Operating Assets: 1.01 (As of Mar. 2026)


FOA Finance of America Companies Inc FOA
48 GF Score
Price $24.21
GF Value $24.70
Valuation Fairly Valued
! 5 Warning Signs
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What is Finance of America Scaled Net Operating Assets?

Finance of America FOA +11.77% 48 Scaled Net Operating Assets is 1.01 as of Mar. 2026. GuruFocus rates FOA with a GF Score™ of 48/100 and a GF Value™ of $24.70 (Fairly Valued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Finance of America's operating assets for the quarter that ended in Mar. 2026 was $31,220.5 Mil. Finance of America's operating liabilities for the quarter that ended in Mar. 2026 was $134.4 Mil. Finance of America's Total Assets for the quarter that ended in Dec. 2025 was $30,733.3 Mil. Therefore, Finance of America's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 1.01.

FOA
48GF Score
Finance of America Companies Inc FOA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Finance of America Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Finance of America's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(30643.795-145.655)/29156.49
=1.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=30733.298 - 89.503
=30643.795

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=30337.671 - 29004.317 - 1187.699
=145.655

Finance of America's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(31220.483-134.392)/30733.298
=1.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=31328.139 - 107.656
=31220.483

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=30890.025 - 29856.295 - 899.338
=134.392

* 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.

What does a Scaled Net Operating Assets of 1.01 mean?
Finance of America (FOA) has a Scaled Net Operating Assets of 1.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Finance of America and its competitors.
Is Finance of America's Scaled Net Operating Assets too high?
Finance of America's current Scaled Net Operating Assets is 1.01. Overall, Finance of America has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finance of America's Scaled Net Operating Assets compare to ANTA and XYF?
Finance of America's Scaled Net Operating Assets of 1.01 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Finance of America and its competitors. Finance of America's current Scaled Net Operating Assets is 1.01. 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 Fairly Valued. The stock's GF Value™ is $24.70, compared to a current price of $24.21 — trading 2% below its estimated fair value. The current Scaled Net Operating Assets is 1.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Finance of America (FOA), the current Scaled Net Operating Assets is 1.01 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 $24.21 is trading 2% below its estimated GF Value™ of $24.70. GuruFocus considers Finance of America to be Fairly Valued.

Key valuation signals for FOA:

  • Scaled Net Operating Assets: 1.01
  • GF Value™: $24.70 vs. price of $24.21 (2% below 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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$24.21
Price
$24.70
GF Value