FOA
Finance Of America Companies Inc.
Financial - Credit Services
Market Cap$214M
5Y Perf.-78.9%
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Stock Comparison
FOA vs UWMC
Revenue, margins, valuation, and 5-year total return — side by side.
UWMC
UWM Holdings Corporation
Financial - Mortgages
Market Cap$526M
5Y Perf.-66.1%
FOA vs UWMC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FOA | UWMC |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Mortgages |
| Market Cap | $214M | $526M |
| Revenue (TTM) | $2.13B | $3.16B |
| Net Income (TTM) | $45M | $27M |
| Gross Margin | 19.4% | 85.6% |
| Operating Margin | 5.3% | 58.0% |
| Forward P/E | 4.7x | 8.0x |
| Total Debt | $30.21B | $14.44B |
| Cash & Equiv. | $325M | $503M |
FOA vs UWMC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FOA
UWMC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Finance Of America … (FOA) | 100 | 21.1 | -78.9% |
| UWM Holdings Corpor… (UWMC) | 100 | 33.9 | -66.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FOA vs UWMC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FOA leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. UWM Holdings Corporation is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
FOA
Finance Of America Companies Inc.
The Banking Pick
FOA carries the broadest edge in this set and is the clearest fit for bank quality.
- NIM 0.7% vs UWMC's 0.0%
- Lower P/E (4.7x vs 8.0x)
- Efficiency ratio 0.1% vs UWMC's 0.3% (lower = leaner)
Best for: bank quality
UWMC
UWM Holdings Corporation
The Banking Pick
UWMC is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 1 yrs, beta 1.50, yield 100.0%
- Rev growth 65.8%, EPS growth -7.7%
- -41.1% 10Y total return vs FOA's -78.3%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | UWMC | 65.8% NII/revenue growth vs FOA's 9.2% |
| Value | FOA | Lower P/E (4.7x vs 8.0x) |
| Quality / Margins | FOA | Efficiency ratio 0.1% vs UWMC's 0.3% (lower = leaner) |
| Stability / Safety | UWMC | Beta 1.50 vs FOA's 1.88, lower leverage |
| Dividends | UWMC | 100.0% yield, 1-year raise streak, vs FOA's 0.1% |
| Momentum (1Y) | FOA | -1.1% vs UWMC's -7.4% |
| Efficiency (ROA) | FOA | Efficiency ratio 0.1% vs UWMC's 0.3% |
FOA vs UWMC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2022
Segment breakdown not available.
FOA vs UWMC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFOALAGGINGUWMC
UWMCUWM Holdings Corporat…
2leads
FOAFinance Of America Co…
2leads
6 Total Categories
CATEGORYLEADERvs UWMCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
FOA3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
UWMC7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FOA4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
UWMC2/2
Income & Cash Flow (Last 12 Months)
Evenly matched — FOA and UWMC each lead in 2 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
UWMC and FOA operate at a comparable scale, with $3.2B and $2.1B in trailing revenue. Profitability is closely matched — net margins range from 2.1% (FOA) to 0.9% (UWMC).
| Metric | FOAFinance Of Americ… | UWMCUWM Holdings Corp… |
|---|---|---|
| RevenueTrailing 12 months | $2.1B | $3.2B |
| EBITDAEarnings before interest/tax | $576M | $695M |
| Net IncomeAfter-tax profit | $45M | $27M |
| Free Cash FlowCash after capex | -$430M | -$2.7B |
| Gross MarginGross profit ÷ Revenue | +19.4% | +85.6% |
| Operating MarginEBIT ÷ Revenue | +5.3% | +58.0% |
| Net MarginNet income ÷ Revenue | +2.1% | +0.9% |
| FCF MarginFCF ÷ Revenue | -20.2% | -86.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +89.1% | — |
Evenly matched — FOA and UWMC each lead in 2 of 4 comparable metrics.
Valuation Metrics
FOA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 1.8x trailing earnings, FOA trades at a 94% valuation discount to UWMC's 28.2x P/E. On an enterprise value basis, UWMC's 7.7x EV/EBITDA is more attractive than FOA's 198.4x.
| Metric | FOAFinance Of Americ… | UWMCUWM Holdings Corp… |
|---|---|---|
| Market CapShares × price | $214M | $526M |
| Enterprise ValueMkt cap + debt − cash | $30.1B | $14.5B |
| Trailing P/EPrice ÷ TTM EPS | 1.77x | 28.17x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.68x | 8.01x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 198.40x | 7.68x |
| Price / SalesMarket cap ÷ Revenue | 0.10x | 0.17x |
| Price / BookPrice ÷ Book value/share | 0.45x | 0.45x |
| Price / FCFMarket cap ÷ FCF | — | — |
FOA leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
UWMC leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
FOA delivers a 11.1% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $2 for UWMC. UWMC carries lower financial leverage with a 9.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to FOA's 76.35x. On the Piotroski fundamental quality scale (0–9), FOA scores 7/9 vs UWMC's 5/9, reflecting strong financial health.
| Metric | FOAFinance Of Americ… | UWMCUWM Holdings Corp… |
|---|---|---|
| ROE (TTM)Return on equity | +11.1% | +1.7% |
| ROA (TTM)Return on assets | +0.1% | +0.2% |
| ROICReturn on invested capital | +0.3% | +8.9% |
| ROCEReturn on capital employed | +0.4% | +19.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 76.35x | 9.06x |
| Net DebtTotal debt minus cash | $29.9B | $13.9B |
| Cash & Equiv.Liquid assets | $325M | $503M |
| Total DebtShort + long-term debt | $30.2B | $14.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.31x | 0.75x |
UWMC leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FOA leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in UWMC five years ago would be worth $7,730 today (with dividends reinvested), compared to $1,922 for FOA. Over the past 12 months, FOA leads with a -1.1% total return vs UWMC's -7.4%. The 3-year compound annual growth rate (CAGR) favors FOA at 9.6% vs UWMC's -7.8% — a key indicator of consistent wealth creation.
| Metric | FOAFinance Of Americ… | UWMCUWM Holdings Corp… |
|---|---|---|
| YTD ReturnYear-to-date | -6.2% | -21.1% |
| 1-Year ReturnPast 12 months | -1.1% | -7.4% |
| 3-Year ReturnCumulative with dividends | +31.6% | -21.7% |
| 5-Year ReturnCumulative with dividends | -80.8% | -22.7% |
| 10-Year ReturnCumulative with dividends | -78.3% | -41.1% |
| CAGR (3Y)Annualised 3-year return | +9.6% | -7.8% |
FOA leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — FOA and UWMC each lead in 1 of 2 comparable metrics.
Risk & Volatility
UWMC is the less volatile stock with a 1.50 beta — it tends to amplify market swings less than FOA's 1.88 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FOA currently trades 71.2% from its 52-week high vs UWMC's 47.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FOAFinance Of Americ… | UWMCUWM Holdings Corp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.88x | 1.50x |
| 52-Week HighHighest price in past year | $29.58 | $7.14 |
| 52-Week LowLowest price in past year | $15.80 | $3.27 |
| % of 52W HighCurrent price vs 52-week peak | +71.2% | +47.3% |
| RSI (14)Momentum oscillator 0–100 | 56.0 | 42.1 |
| Avg Volume (50D)Average daily shares traded | 90K | 15.7M |
Evenly matched — FOA and UWMC each lead in 1 of 2 comparable metrics.
Analyst Outlook
UWMC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates FOA as "Hold" and UWMC as "Hold". Consensus price targets imply 76.9% upside for UWMC (target: $6) vs 40.1% for FOA (target: $30). For income investors, UWMC offers the higher dividend yield at 100.00% vs FOA's 0.11%.
| Metric | FOAFinance Of Americ… | UWMCUWM Holdings Corp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $29.50 | $5.98 |
| # AnalystsCovering analysts | 5 | 13 |
| Dividend YieldAnnual dividend ÷ price | +0.1% | +100.0% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $0.02 | $3.39 |
| Buyback YieldShare repurchases ÷ mkt cap | +18.8% | 0.0% |
UWMC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
FOA leads in 2 of 6 categories (Valuation Metrics, Total Returns). UWMC leads in 2 (Profitability & Efficiency, Analyst Outlook). 2 tied.
Best OverallFinance Of America Companie… (FOA)Leads 2 of 6 categories
Loading custom metrics...
FOA vs UWMC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FOA or UWMC a better buy right now?
For growth investors, UWM Holdings Corporation (UWMC) is the stronger pick with 65.
8% revenue growth year-over-year, versus 9. 2% for Finance Of America Companies Inc. (FOA). Finance Of America Companies Inc. (FOA) offers the better valuation at 1. 8x trailing P/E (4. 7x forward), making it the more compelling value choice. Analysts rate Finance Of America Companies Inc. (FOA) a "Hold" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FOA or UWMC?
On trailing P/E, Finance Of America Companies Inc.
(FOA) is the cheapest at 1. 8x versus UWM Holdings Corporation at 28. 2x. On forward P/E, Finance Of America Companies Inc. is actually cheaper at 4. 7x.
03Which is the better long-term investment — FOA or UWMC?
Over the past 5 years, UWM Holdings Corporation (UWMC) delivered a total return of -22.
7%, compared to -80. 8% for Finance Of America Companies Inc. (FOA). Over 10 years, the gap is even starker: UWMC returned -41. 1% versus FOA's -78. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FOA or UWMC?
By beta (market sensitivity over 5 years), UWM Holdings Corporation (UWMC) is the lower-risk stock at 1.
50β versus Finance Of America Companies Inc. 's 1. 88β — meaning FOA is approximately 25% more volatile than UWMC relative to the S&P 500. On balance sheet safety, UWM Holdings Corporation (UWMC) carries a lower debt/equity ratio of 9% versus 76% for Finance Of America Companies Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — FOA or UWMC?
By revenue growth (latest reported year), UWM Holdings Corporation (UWMC) is pulling ahead at 65.
8% versus 9. 2% for Finance Of America Companies Inc. (FOA). On earnings-per-share growth, the picture is similar: Finance Of America Companies Inc. grew EPS 660. 3% year-over-year, compared to -7. 7% for UWM Holdings Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FOA or UWMC?
Finance Of America Companies Inc.
(FOA) is the more profitable company, earning 2. 1% net margin versus 0. 9% for UWM Holdings Corporation — meaning it keeps 2. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: UWMC leads at 58. 0% versus 5. 3% for FOA. At the gross margin level — before operating expenses — UWMC leads at 85. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FOA or UWMC more undervalued right now?
On forward earnings alone, Finance Of America Companies Inc.
(FOA) trades at 4. 7x forward P/E versus 8. 0x for UWM Holdings Corporation — 3. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for UWMC: 76. 9% to $5. 98.
08Which pays a better dividend — FOA or UWMC?
All stocks in this comparison pay dividends.
UWM Holdings Corporation (UWMC) offers the highest yield at 100. 0%, versus 0. 1% for Finance Of America Companies Inc. (FOA).
09Is FOA or UWMC better for a retirement portfolio?
For long-horizon retirement investors, UWM Holdings Corporation (UWMC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (100.
0% yield). Finance Of America Companies Inc. (FOA) carries a higher beta of 1. 88 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (UWMC: -41. 1%, FOA: -78. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FOA and UWMC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: FOA is a small-cap deep-value stock; UWMC is a small-cap high-growth stock. UWMC pays a dividend while FOA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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(FOA: 9.2% · UWMC: 65.8%)P/E Ratio<
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