Finance of America Companies Inc. (FOA) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Finance of America Companies Inc. a financial service holding company, through its subsidiaries, provides home equity-based financing solutions for a modern retirement in the United States. The company operates through two segments: Retirement Solutions and Portfolio Management. It offers home equity conversion and non-agency reverse mortgage loans; and product development, loan securitization, loan sales, risk management, servicing oversight, and asset management services.
Analysis Summary
Finance of America Companies Inc. reported revenue of $2.13B in the most recent fiscal year, growing at a 5-year CAGR of -2.3%. Net income reached $45.2M, with a -38.6% 5-year CAGR.
Trailing-twelve-month margins: gross margin 39.2%, operating margin 24.4%, net margin -0.0%.
At the current price of $14.53, FOA has negative trailing earnings (P/E not meaningful) and an ROE of 13.97%. Market capitalisation stands at $130M.
Balance sheet quality for FOA: current ratio of 8.0, net debt of $29.88B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is below average: free cash flow of -$429.7M represents -950% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $14.53 |
| Market Cap | $130M |
| Exchange | NYSE |
| Country | US |
Valuation Ratios
| Price / Book | 0.30 |
| EV / EBITDA | 198.35 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | 13.97% |
| Return on Invested Capital | 0.36% |
| Return on Assets | 0.15% |
| Gross Margin | 39.24% |
| Operating Margin | 24.40% |
| Net Margin | -0.02% |
Financial Health
| Debt / Equity | 106.04 |
| Current Ratio | 0.11 |
What to look at in Financial Services
Asset managers, brokers, fintech, exchanges. They are not banks — look at AUM, fees and FCF quality.
- 5y revenue growth — Without growth, there is no long-term value creation
- Operating margin — Good asset managers have >30% margins thanks to scalability
- ROE — Quality financial services have a consistent ROE >15%
- FCF / Net Income — Earnings quality — >90% expected in capital-light businesses
- Debt / Equity — Fintech and brokers with high D/E are time bombs in crises
- P/E vs own 5y — Asset managers have stable multiples in well-known ranges
- Dividend yield + buybacks — These businesses return a lot of capital — look at total yield (div + buybacks)
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FOA | Finance of America Companies Inc. | $130M | 0.30 | 14.0% | |
| V | Visa Inc. | $692.5B | 31.40 | 20.10 | 61.3% |
| 0R2Z.L | Mastercard Incorporated | $512.8B | 31.18 | 89.25 | 232.5% |
| MA | Mastercard Incorporated | $497.9B | 31.40 | 89.89 | 193.5% |
| AXP | American Express Company | $219.3B | 19.67 | 6.42 | 34.1% |
| 0HT4.L | Capital One Financial Corporation | $127.2B | 57.22 | 1.10 | 2.2% |
| COF | Capital One Financial Corporation | $124.7B | 12.28 | 1.08 | 9.3% |
| 0R3C.L | American Express Company | $112.9B | 19.67 | 6.42 | 34.1% |
Price Performance
| 1 month | -30.31% |
| 3 months | -27.57% |
| Year-to-date | -39.98% |
| 1 year | -40.98% |
| 3 years | +7.63% |
52-Week Range
| 52-week High | $29.79 |
| 52-week Low | $14.50 |
| Avg Volume (90d) | 58K |
Related companies: ANTA · CURR · FDBC · LPRO · MFIN · OPRT · PKBK
Explore sector: Financial Services · Financial - Credit Services
More sections of FOA: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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