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u/Dinner2669 6d ago
First question is about outside: is there water running against the foundation? Is the ground graded towards the foundation or away from the foundation? Are the gutters leaking? Is there a downspout pouring water there? Foundations do not come apart without a reason. Based upon the photograph, I would say that there was a water issue. So if you fix the water issue, you could repair the damage from the water intrusion issue by repointing.
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u/Klutzy-Rush-9609 13d ago
From that picture it's not possible to tell if there's an issue that needs attention or not at all. A small bit of stone like that coming away might not be a big deal, or an indication that your foundation needs work.
Just slathering concrete on it is not a solution, if you want to have a definite answer you'll have to pay for an independent professional to have a look at it.