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Finance Of America Companies Inc.(FOA)Earnings, Financials & Key Ratios
FOA•NYSE•Banking & Credit
$21.05
$214M mkt cap·1.8× P/E·Price updated May 7, 2026
AboutFinance of America Companies Inc. operates a consumer lending platform in the United States. The company operates through: Mortgage Originations, Reverse Originations, Commercial Originations, Lender Services, and Portfolio Management segments. It provides residential mortgage loans to the government sponsored entities; government-insured agricultural lending solutions to farmers; product development, loan securitization, loan sales, risk management, asset management, and servicing oversight services to enterprise and third-party funds; and ancillary business services, title agency and title insurance services, mortgage servicing rights valuation and trade brokerage, transactional fulfillment services, mortgage loan third party review or due diligence services, and appraisal and capital management services to residential mortgage, student lending, and commercial lending industry customers. The company was founded in 2013 and is based in Irving, Texas.Show more
- Net Interest Income$203M-11.0%
- Total Revenue$2.13B+9.2%
- Net Income$45M+192.1%
- Return on Equity12.72%+141.5%
- Net Interest Margin0.66%-15.6%
- Efficiency Ratio14.04%+20.1%
- ROA0.15%+174.2%
- Equity / Assets1.29%+18.9%
- Book Value per Share46.65+46.8%
- Tangible BV/Share25.47+154.7%
- Debt/Equity76.35-16.1%
FOA Key Insights
Finance Of America Companies Inc. (FOA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 14.0% efficiency ratio
- ✓Share count reduced 14.6% through buybacks
- ✓Trading at only 0.5x book value
✗Weaknesses
- ✗High debt to equity ratio of 76.4x
- ✗Profits declining 38.6% over 5 years
- ✗Weak NIM of 0.7%
- ✗Thin capital base
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FOA Price & Volume
Finance Of America Companies Inc. (FOA) stock price & volume — 10-year historical chart
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FOA Growth Metrics
Finance Of America Companies Inc. (FOA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-2.28%
3 Years45.79%
TTM-
Profit CAGR
10 Years-
5 Years-38.6%
3 Years-
TTM192.06%
EPS CAGR
10 Years-
5 Years-32.8%
3 Years-
TTM112.91%
Return on Capital
10 Years0.4%
5 Years-0.16%
3 Years-0.06%
Last Year0.39%
FOA Recent Earnings
Finance Of America Companies Inc. (FOA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
May 5, 2026EPS
$1.10
Est $0.84
+31.0%
Revenue
$120M
Est $115M
+4.2%
Q2 2026
Mar 10, 2026EPS
$0.69
Est $0.65
+6.6%
Revenue
$74M
Est $109M
-32.8%
Q4 2025
Nov 4, 2025EPS
$1.33
Est $0.65
+105.6%
Revenue
$81M
Est $109M
-26.1%
Q3 2025
Aug 5, 2025EPS
$0.55
Est $0.61
-9.5%
Revenue
$177M
Est $97M
+82.8%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $1.10vs $0.84+31.0% | $120Mvs $115M+4.2% |
| Q2 2026 | Mar 10, 2026 | $0.69vs $0.65+6.6% | $74Mvs $109M-32.8% |
| Q4 2025 | Nov 4, 2025 | $1.33vs $0.65+105.6% | $81Mvs $109M-26.1% |
| Q3 2025 | Aug 5, 2025 | $0.55vs $0.61-9.5% | $177Mvs $97M+82.8% |
Based on last 12 quarters of dataView full earnings history →
FOA Peer Comparison
Finance Of America Companies Inc. (FOA) competitors in Credit Servicing and Structured Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RKT | 39.9B | 14.13 | -282.60 | 27.37% | -0.57% | |||
 UWMC | 525.75M | 3.38 | 28.17 | 65.83% | 1.67% | 9.06 | ||
 PFSI | 4.62B | 88.65 | 9.53 | 173.81% | 12.02% | 5.35 | ||
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 10.27% | 2.42 | ||
 LDI | 472.39M | 1.41 | -4.70 | 37.59% | -19.61% | 13.05 | ||
 AOMR | 220M | 8.83 | 4.91 | 158.06% | 15.56% | 6.23% | 1.15 | |
 PMT | 963.27M | 11.07 | 11.18 | 103.82% | 13.83% | 7.06% | 10.12 | |
 NMIH | 2.94B | 38.58 | 7.84 | 8.39% | 55.07% | 15.8% | 0.16 |
Compare FOA vs Peers
Finance Of America Companies Inc. (FOA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FOA Income Statement
Finance Of America Companies Inc. (FOA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 120.19M | 102.57M | -85.47M | 177.56M | 238.26M | 228.43M | 203.2M |
| NII Growth % | - | - | -14.66% | -183.33% | 307.73% | 34.19% | -4.13% | -11.05% |
| Net Interest Margin % | 0% | 0.72% | 0.52% | -0.39% | 0.85% | 0.88% | 0.78% | 0.66% |
| Interest Income | 0 | 786.56M | 752.26M | 56.59M | 896.89M | 1.63B | 1.91B | 1.92B |
| Interest Expense | 0 | 666.38M | 649.69M | 142.06M | 719.34M | 1.39B | 1.68B | 1.72B |
| Loan Loss Provision | 0 | 0 | 0 | -79.84M | 0 | 0 | 0 | 0 |
| Non-Interest Income | 789.26M | 727.41M | 1.64B | 1.26B | -209.94M | -61.23M | 42.21M | 208.77M |
| Non-Interest Income % | 100% | 48.05% | 68.51% | 95.71% | -30.56% | -3.9% | 2.17% | 9.81% |
| Total Revenue | 789.26M▲ 0% | 1.51B▲ 91.8% | 2.39B▲ 57.8% | 1.32B▼ 44.8% | 686.96M▼ 47.9% | 1.57B▲ 128.4% | 1.95B▲ 24.2% | 2.13B▲ 9.2% |
| Revenue Growth % | - | 91.82% | 57.79% | -44.83% | -47.87% | 128.39% | 24.25% | 9.2% |
| Non-Interest Expense | 741.73M | 770.02M | 1.24B | 1.05B | 310.62M | 343.87M | 227.83M | 298.87M |
| Efficiency Ratio | 93.98% | 50.86% | 51.86% | 79.6% | 45.22% | 21.92% | 11.69% | 14.04% |
| Operating Income | 55.53M▲ 0% | 77.58M▲ 39.7% | 500.26M▲ 544.8% | 206.64M▼ 58.7% | -343M▼ 266.0% | -166.84M▲ 51.4% | 42.82M▲ 125.7% | 113.1M▲ 164.1% |
| Operating Margin % | 7.04% | 5.12% | 20.94% | 15.68% | -49.93% | -10.63% | 2.2% | 5.31% |
| Operating Income Growth % | - | 39.7% | 544.84% | -58.69% | -265.99% | 51.36% | 125.66% | 164.15% |
| Pretax Income | 47.53M▲ 0% | 77.58M▲ 63.2% | 500.26M▲ 544.8% | -1.2B▼ 339.1% | -343M▲ 71.3% | -166.84M▲ 51.4% | 42.82M▲ 125.7% | 113.1M▲ 164.1% |
| Pretax Margin % | 6.02% | 5.12% | 20.94% | -90.77% | -49.93% | -10.63% | 2.2% | 5.31% |
| Income Tax | 286K | 949K | 2.34M | 19.53M | -17.13M | -593K | 2.4M | 3.52M |
| Effective Tax Rate % | 0.6% | 1.22% | 0.47% | -1.63% | 4.99% | 0.36% | 5.6% | 3.11% |
| Net Income | 32.06M▲ 0% | 54.41M▲ 69.7% | 518.39M▲ 852.7% | -251.94M▼ 148.6% | -190.68M▲ 24.3% | -80.09M▲ 58.0% | 15.49M▲ 119.3% | 45.23M▲ 192.1% |
| Net Margin % | 4.06% | 3.59% | 21.7% | -19.12% | -27.76% | -5.1% | 0.79% | 2.12% |
| Net Income Growth % | - | 69.71% | 852.71% | -148.6% | 24.31% | 58% | 119.34% | 192.06% |
| Net Income (Continuing) | 47.24M | 76.63M | 497.91M | -1.18B | -325.87M | -166.25M | 40.42M | 109.58M |
| EPS (Diluted) | 8.92▲ 0% | 23.69▲ 165.6% | 86.57▲ 265.4% | -13.30▼ 115.4% | -10.09▲ 24.1% | -9.77▲ 3.2% | 1.56▲ 116.0% | 11.86▲ 660.3% |
| EPS Growth % | - | 165.58% | 265.43% | -115.36% | 24.14% | 3.17% | 115.97% | 660.26% |
| EPS (Basic) | 8.92 | 23.69 | 86.57 | -41.79 | -30.61 | -9.77 | 1.57 | 4.72 |
| Diluted Shares Outstanding | 3.59M | 3.23M | 2.88M | 18.94M | 18.91M | 8.2M | 9.93M | 8.48M |
FOA Balance Sheet
Finance Of America Companies Inc. (FOA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 25K | 118.08M | 247.29M | 143.49M | 61.15M | 46.48M | 47.38M | 324.65M |
| Cash & Due from Banks | 25K | 118.08M | 247.29M | 143.49M | 61.15M | 46.48M | 47.38M | 324.65M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | -114K | 0 | 18.4B | 19.98B | 19.27B | 25.96B | 28.07B | 0 |
| Investments Growth % | - | 100% | - | 8.58% | -3.53% | 34.7% | 8.13% | -100% |
| Long-Term Investments | 0 | 0 | 18.4B | 19.98B | 19.27B | 25.96B | 28.07B | 0 |
| Accounts Receivables | 0 | 0 | 67.01M | 60.07M | 53.26M | 27.49M | 20.93M | 0 |
| Goodwill & Intangibles | 143.97M | 142.48M | 318.85M | 1.03B | 392.21M | 259.97M | 216.34M | 179.62M |
| Goodwill | 119.28M | 121.14M | 121.23M | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 24.7M | 21.34M | 197.62M | 1.03B | 392.21M | 259.97M | 216.34M | 179.62M |
| PP&E (Net) | 30.48M | 84.08M | 71.12M | 91.78M | 37.06M | 29.37M | 24.36M | 0 |
| Other Assets | 13.46B | 16.24B | 388.3M | 399.67M | 976.6M | 691.64M | 720.05M | 30.23B |
| Total Current Assets | 91.88M | 118.08M | 386.15M | 287.08M | 192M | 162.87M | 122.26M | 324.65M |
| Total Non-Current Assets | 13.63B | 16.47B | 19.18B | 21.5B | 20.68B | 26.94B | 29.03B | 30.41B |
| Total Assets | 13.73B▲ 0% | 16.58B▲ 20.8% | 19.57B▲ 18.0% | 21.79B▲ 11.4% | 20.87B▼ 4.2% | 27.11B▲ 29.9% | 29.16B▲ 7.6% | 30.73B▲ 5.4% |
| Asset Growth % | - | 20.82% | 17.98% | 11.37% | -4.21% | 29.87% | 7.56% | 5.41% |
| Return on Assets (ROA) | 0.23% | 0.36% | 2.87% | -1.22% | -0.89% | -0.33% | 0.06% | 0.15% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 3.3B | 3.9B | 18.46B | 20.31B | 20.12B | 26.63B | 28.72B | 30.21B |
| Net Debt | 3.3B | 3.78B | 18.21B | 20.16B | 20.06B | 26.58B | 28.67B | 29.88B |
| Long-Term Debt | 3.3B | 3.9B | 15.4B | 16.89B | 18.74B | 25.33B | 27.41B | 28.98B |
| Short-Term Debt | 0 | 0 | 3.02B | 3.36B | 1.34B | 1.27B | 1.28B | 40.59M |
| Other Liabilities | 9.74B | 11.88B | 242.25M | 134.61M | 267.63M | 180.76M | 89.58M | 130.73M |
| Total Current Liabilities | 91.97M | 135.56M | 3.25B | 3.6B | 1.42B | 1.28B | 1.29B | 40.59M |
| Total Non-Current Liabilities | 13.04B | 15.78B | 15.69B | 17.11B | 19.05B | 25.55B | 27.55B | 30.3B |
| Total Liabilities | 13.13B | 15.91B | 18.94B | 20.71B | 20.47B | 26.84B | 28.84B | 30.34B |
| Total Equity | 89.35K▲ 0% | 670.79M▲ 750615.1% | 628.04M▼ 6.4% | 1.08B▲ 72.4% | 404.84M▼ 62.6% | 272.41M▼ 32.7% | 315.66M▲ 15.9% | 395.63M▲ 25.3% |
| Equity Growth % | - | 750615.13% | -6.37% | 72.44% | -62.62% | -32.71% | 15.88% | 25.33% |
| Equity / Assets (Capital Ratio) | 0% | 4.04% | 3.21% | 4.97% | 1.94% | 1% | 1.08% | 1.29% |
| Return on Equity (ROE) | 35882% | 16.22% | 79.82% | -29.45% | -25.63% | -23.65% | 5.27% | 12.72% |
| Book Value per Share | 0.02 | 207.39 | 218.45 | 57.17 | 21.41 | 33.23 | 31.79 | 46.65 |
| Tangible BV per Share | -40.03 | 163.34 | 107.55 | 2.75 | 0.67 | 1.52 | 10.00 | 25.47 |
| Common Stock | 427.39M | 482.72M | 0 | 6K | 6K | 1K | 1K | 1K |
| Additional Paid-in Capital | 0 | 0 | 0 | 831.62M | 888.49M | 946.94M | 954.47M | 977.82M |
| Retained Earnings | 0 | 0 | 0 | -443.61M | -634.29M | -714.38M | -698.89M | -653.66M |
| Accumulated OCI | -98K | -51K | 9K | -110K | -273K | -249K | -276K | -285K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FOA Cash Flow Statement
Finance Of America Companies Inc. (FOA) cash flow — operating, investing & free cash flow history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 605.88M | 101.13M | -686.09M | -96.59M | 1.41B | -71.57M | -423.81M | -429.75M |
| Operating CF Growth % | - | -83.31% | -778.46% | 85.92% | 1557.57% | -105.08% | -492.19% | -1.4% |
| Net Income | 32.06M | 76.63M | 497.91M | -251.94M | -64.42M | -218.16M | -142.63M | 48.22M |
| Depreciation & Amortization | 14.36M | 19.34M | 19.33M | 62.22M | 42.03M | 47.55M | 38.95M | 38.59M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 678K | -2.41M | 0 |
| Other Non-Cash Items | 466.05M | 36.5M | -1.23B | -748.44M | -689.47M | 71.77M | -276.06M | -514.47M |
| Working Capital Changes | 93.07M | -34.26M | 21.86M | 841.57M | 2.12B | 1.93M | -50.48M | -2.09M |
| Cash from Investing | -817.02M | -2.03B | -875.11M | -1.62B | -1.82B | 158.14M | 114.8M | 854.89M |
| Purchase of Investments | 0 | -128.83M | -39.26M | -5.89B | -6.28B | 0 | 0 | -3.35B |
| Sale/Maturity of Investments | 0 | 20.49M | 140.79M | 4.37B | 4.03B | 0 | 0 | 4.21B |
| Net Investment Activity | 0 | -108.34M | 101.52M | -1.52B | -2.26B | 0 | 0 | 860.05M |
| Acquisitions | -4.63M | 0 | -197K | -29.18M | 0 | -69.69M | 0 | 0 |
| Other Investing | -797.01M | -1.91B | -967.41M | -24.13M | 437.53M | 227.82M | 114.8M | -5.16M |
| Cash from Financing | 322.17M | 2.07B | 1.72B | 1.67B | 225.21M | -139.23M | 386.21M | -402.45M |
| Dividends Paid | 0 | -2.68M | -380.43M | -75M | 0 | 0 | 0 | -196K |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -40.15M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 30M | 0 | 49.31M |
| Net Stock Activity | 0 | 0 | 0 | 0 | 0 | 30M | 0 | 9.16M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K |
| Other Financing | -5.26M | -8.98M | -11.04M | -8.95M | -7.14M | -2.73M | -10.35M | -4.04M |
| Net Change in Cash | 110.98M▲ 0% | 143.44M▲ 29.2% | 156.7M▲ 9.2% | 462.79M▲ 195.3% | -222.73M▼ 148.1% | -52.63M▲ 76.4% | 77.17M▲ 246.6% | 22.68M▼ 70.6% |
| Exchange Rate Effect | -44K | 22K | 34K | 512.18M | -36.69M | 24K | -27K | -9K |
| Cash at Beginning | 128.24M | 239.22M | 382.66M | 849.91K | 463.64M | 277.44M | 224.8M | 301.97M |
| Cash at End | 239.22M | 382.66M | 539.36M | 463.64M | 240.91M | 224.8M | 301.97M | 324.65M |
| Interest Paid | 0 | 159.16M | 169.36M | 0 | 0 | 308.38M | 0 | 0 |
| Income Taxes Paid | 0 | 698K | 1.45M | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 590.51M▲ 0% | 96.84M▼ 83.6% | -709.21M▼ 832.4% | -114.72M▲ 83.8% | 1.41B▲ 1327.2% | -71.57M▼ 105.1% | -423.81M▼ 492.2% | -429.75M▼ 1.4% |
| FCF Growth % | - | -83.6% | -832.38% | 83.82% | 1327.22% | -105.08% | -492.19% | -1.4% |
FOA Banking Ratios
Finance Of America Companies Inc. (FOA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 35882% | 16.22% | 79.82% | -29.45% | -25.63% | -23.65% | 5.27% | 12.72% |
| Return on Assets (ROA) | 0.23% | 0.36% | 2.87% | -1.22% | -0.89% | -0.33% | 0.06% | 0.15% |
| Net Interest Margin | 0% | 0.72% | 0.52% | -0.39% | 0.85% | 0.88% | 0.78% | 0.66% |
| Efficiency Ratio | 93.98% | 50.86% | 51.86% | 79.6% | 45.22% | 21.92% | 11.69% | 14.04% |
| Equity / Assets | 0% | 4.04% | 3.21% | 4.97% | 1.94% | 1% | 1.08% | 1.29% |
| Book Value / Share | 0.02 | 207.39 | 218.45 | 57.17 | 21.41 | 33.23 | 31.79 | 46.65 |
| NII Growth | - | - | -14.66% | -183.33% | 307.73% | 34.19% | -4.13% | -11.05% |
| Dividend Payout | - | 4.92% | 73.39% | - | - | - | - | - |
FOA SEC Filings & Documents
Finance Of America Companies Inc. (FOA) SEC filings — annual & quarterly reports (10-K, 10-Q)
FOA Frequently Asked Questions
Finance Of America Companies Inc. (FOA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Finance Of America Companies Inc. (FOA) grew revenue by 9.2% over the past year. This is steady growth.
Yes, Finance Of America Companies Inc. (FOA) is profitable, generating $45.2M in net income for fiscal year 2025 (2.1% net margin).
Dividend & Returns
Yes, Finance Of America Companies Inc. (FOA) pays a dividend with a yield of 0.11%. This makes it attractive for income-focused investors.
Finance Of America Companies Inc. (FOA) has a return on equity (ROE) of 12.7%. This is reasonable for most industries.
Industry Metrics
Finance Of America Companies Inc. (FOA) has a net interest margin (NIM) of 0.7%. NIM has been under pressure due to interest rate environment.
Finance Of America Companies Inc. (FOA) has an efficiency ratio of 14.0%. This is excellent, indicating strong cost control.
Explore More FOA
Finance Of America Companies Inc. (FOA) financial analysis — history, returns, DCA and operating performance tools
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Revenue History
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Financial Ratios
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Valuation
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