| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| ENVAEnova International, Inc. | 3.9B | 157.66 | 21.22 | 25.51% | 7.88% | 22.83% | 38.36% | 3.00 |
| FOAFinance Of America Companies Inc. | 192.23M | 24.36 | 20.64 | 24.25% | 0.79% | 1.65% | 90.98 | |
| OMFOneMain Holdings, Inc. | 7.81B | 66.37 | 15.65 | 7.98% | 8.9% | 20.87% | 34.54% | 6.72 |
| ATLCAtlanticus Holdings Corporation | 905.01M | 59.77 | 12.53 | 13.46% | 8.49% | 20.24% | 51.67% | 5.12 |
| RMRegional Management Corp. | 372.97M | 38.40 | 9.28 | 6.73% | 7.01% | 11.14% | 70.75% | 4.24 |
| WRLDWorld Acceptance Corporation | 719.24M | 142.76 | 8.76 | -1.46% | 15.89% | 15.61% | 34.83% | 1.20 |
| MFINMedallion Financial Corp. | 235.59M | 10.12 | 6.66 | 14.65% | 12.3% | 8.96% | 49.03% | 0.66 |
| OPRTOportun Financial Corporation | 223.29M | 5.06 | -2.59 | 15.93% | -14.75% | 7.97% | 100% | 7.98 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 120.19M | 102.57M | -85.47M | 177.56M | 238.26M | 228.43M |
| NII Growth % | - | - | -0.15% | -1.83% | 3.08% | 0.34% | -0.04% |
| Net Interest Margin % | - | - | - | - | - | - | - |
| Interest Income | 0 | 786.56M | 752.26M | 56.59M | 896.89M | 1.63B | 1.91B |
| Interest Expense | 0 | 666.38M | 649.69M | 142.06M | 719.34M | 1.39B | 1.68B |
| Loan Loss Provision | 0 | 0 | 0 | -142.06M | 0 | 0 | 0 |
| Non-Interest Income | 789.26M | 727.41M | 1.64B | -56.59M | -209.94M | -61.23M | 42.21M |
| Non-Interest Income % | - | - | - | - | - | - | - |
| Total Revenue | 789.26M | 1.51B | 2.39B | 0 | 686.96M | 1.57B | 1.95B |
| Revenue Growth % | - | 0.92% | 0.58% | -1% | - | 1.28% | 0.24% |
| Non-Interest Expense | 741.73M | 770.02M | 1.24B | 0 | 310.62M | 343.87M | 227.83M |
| Efficiency Ratio | - | - | - | - | - | - | - |
| Operating Income | 55.53M | 77.58M | 500.26M | 0 | -343M | -166.84M | 42.82M |
| Operating Margin % | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.4% | 5.45% | -1% | - | 0.51% | 1.26% |
| Pretax Income | 47.53M | 77.58M | 500.26M | 0 | -343M | -166.84M | 42.82M |
| Pretax Margin % | - | - | - | - | - | - | - |
| Income Tax | 286K | 949K | 2.34M | 0 | -17.13M | -593K | 2.4M |
| Effective Tax Rate % | - | - | - | - | - | - | - |
| Net Income | 32.06M | 54.41M | 518.39M | 0 | -190.68M | -80.09M | 15.49M |
| Net Margin % | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.7% | 8.53% | -1% | - | 0.58% | 1.19% |
| Net Income (Continuing) | 47.24M | 76.63M | 497.91M | 0 | -325.87M | -166.25M | 40.42M |
| EPS (Diluted) | 8.92 | 23.69 | 86.57 | -13.30 | -10.09 | -9.77 | 1.18 |
| EPS Growth % | - | 1.66% | 2.65% | -1.15% | 0.24% | 0.03% | 1.12% |
| EPS (Basic) | 8.92 | 23.69 | 86.57 | -41.79 | -30.61 | -9.77 | 1.57 |
| Diluted Shares Outstanding | 3.59M | 3.23M | 2.88M | 18.94M | 18.91M | 8.2M | 23.41M |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 25K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 25K | 118.08M | 247.29M | 143.49M | 61.15M | 46.48M | 47.38M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | -114K | 0 | 18.4B | 19.98B | 19.27B | 25.96B | 28.07B |
| Investments Growth % | - | 1% | - | 0.09% | -0.04% | 0.35% | 0.08% |
| Long-Term Investments | 0 | 0 | 18.4B | 19.98B | 19.27B | 25.96B | 28.07B |
| Accounts Receivables | 0 | 0 | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - |
| Goodwill | 119.28M | 121.14M | 121.23M | 0 | 0 | 0 | 0 |
| Intangible Assets | 24.7M | 21.34M | 197.62M | 1.03B | 392.21M | 259.97M | 216.34M |
| PP&E (Net) | 30.48M | 84.08M | 71.12M | 91.78M | 37.06M | 29.37M | 24.36M |
| Other Assets | 13.46B | 16.24B | 388.3M | 399.67M | 976.6M | 691.64M | 720.05M |
| Total Current Assets | 91.88M | 118.08M | 386.15M | 287.08M | 192M | 162.87M | 122.26M |
| Total Non-Current Assets | 13.63B | 16.47B | 19.18B | 21.5B | 20.68B | 26.94B | 29.03B |
| Total Assets | 13.73B | 16.58B | 19.57B | 21.79B | 20.87B | 27.11B | 29.16B |
| Asset Growth % | - | 0.21% | 0.18% | 0.11% | -0.04% | 0.3% | 0.08% |
| Return on Assets (ROA) | 0% | 0% | 0.03% | - | -0.01% | -0% | 0% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 3.3B | 3.9B | 18.46B | 20.31B | 20.12B | 26.63B | 28.72B |
| Net Debt | 3.3B | 3.78B | 18.21B | 20.16B | 20.06B | 26.58B | 28.67B |
| Long-Term Debt | 3.3B | 3.9B | 15.4B | 16.89B | 18.74B | 25.33B | 27.41B |
| Short-Term Debt | 0 | 0 | 3.02B | 3.36B | 1.34B | 1.27B | 1.28B |
| Other Liabilities | 9.74B | 11.88B | 242.25M | 134.61M | 267.63M | 180.76M | 89.58M |
| Total Current Liabilities | 91.97M | 135.56M | 3.25B | 3.6B | 1.42B | 1.28B | 1.29B |
| Total Non-Current Liabilities | 13.04B | 15.78B | 15.69B | 17.11B | 19.05B | 25.55B | 27.55B |
| Total Liabilities | 13.13B | 15.91B | 18.94B | 20.71B | 20.47B | 26.84B | 28.84B |
| Total Equity | 89.35K | 670.79M | 628.04M | 1.08B | 404.84M | 272.41M | 315.66M |
| Equity Growth % | - | 7506.15% | -0.06% | 0.72% | -0.63% | -0.33% | 0.16% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 358.82% | 0.16% | 0.8% | - | -0.26% | -0.24% | 0.05% |
| Book Value per Share | 0.02 | 207.39 | 218.45 | 57.17 | 21.41 | 33.23 | 13.49 |
| Tangible BV per Share | - | - | - | - | - | - | - |
| Common Stock | 427.39M | 482.72M | 0 | 6K | 6K | 1K | 1K |
| Additional Paid-in Capital | 0 | 0 | 0 | 831.62M | 888.49M | 946.94M | 954.47M |
| Retained Earnings | 0 | 0 | 0 | -443.61M | -634.29M | -714.38M | -698.89M |
| Accumulated OCI | -98K | -51K | 9K | -110K | -273K | -249K | -276K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 605.88M | 101.13M | -686.09M | -96.59M | 1.41B | -71.57M | -423.81M |
| Operating CF Growth % | - | -0.83% | -7.78% | 0.86% | 15.58% | -1.05% | -4.92% |
| Net Income | 32.06M | 76.63M | 497.91M | -251.94M | -64.42M | -218.16M | -142.63M |
| Depreciation & Amortization | 14.36M | 19.34M | 19.33M | 62.22M | 42.03M | 47.55M | 38.95M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 678K | -2.41M |
| Other Non-Cash Items | 466.05M | 36.5M | -1.23B | -748.44M | -689.47M | 71.77M | -276.06M |
| Working Capital Changes | 93.07M | -34.26M | 21.86M | 841.57M | 2.12B | 1.93M | -50.48M |
| Cash from Investing | -817.02M | -2.03B | -875.11M | -1.62B | -1.82B | 158.14M | 114.8M |
| Purchase of Investments | 0 | -128.83M | -39.26M | -5.89B | -6.28B | 0 | 0 |
| Sale/Maturity of Investments | 0 | 1000K | 1000K | 1000K | 1000K | 0 | 0 |
| Net Investment Activity | - | - | - | - | - | - | - |
| Acquisitions | -4.63M | 0 | -197K | -29.18M | 0 | -69.69M | 0 |
| Other Investing | -797.01M | -1.91B | -967.41M | -24.13M | 437.53M | 227.82M | 114.8M |
| Cash from Financing | 322.17M | 2.07B | 1.72B | 1.67B | 225.21M | -139.23M | 386.21M |
| Dividends Paid | 0 | -2.68M | -380.43M | -75M | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 30M | 0 |
| Net Stock Activity | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K |
| Other Financing | -5.26M | -8.98M | -11.04M | -8.95M | -7.14M | -2.73M | -10.35M |
| Net Change in Cash | 110.98M | 143.44M | 156.7M | 462.79M | -222.73M | -52.63M | 77.17M |
| Exchange Rate Effect | -44K | 22K | 34K | 1000K | -1000K | 24K | -27K |
| Cash at Beginning | 128.24M | 239.22M | 382.66M | 849.91K | 463.64M | 277.44M | 224.8M |
| Cash at End | 239.22M | 382.66M | 539.36M | 463.64M | 240.91M | 224.8M | 301.97M |
| Interest Paid | 0 | 159.16M | 169.36M | 0 | 0 | 308.38M | 0 |
| Income Taxes Paid | 0 | 698K | 1.45M | 0 | 0 | 0 | 0 |
| Free Cash Flow | 590.51M | 96.84M | -709.21M | -114.72M | 1.41B | -71.57M | -423.81M |
| FCF Growth % | - | -0.84% | -8.32% | 0.84% | 13.27% | -1.05% | -4.92% |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 35882% | 16.22% | 79.82% | - | -25.63% | -23.65% | 5.27% |
| Return on Assets (ROA) | 0.23% | 0.36% | 2.87% | - | -0.89% | -0.33% | 0.06% |
| Net Interest Margin | 0% | 0.72% | 0.52% | -0.39% | 0.85% | 0.88% | 0.78% |
| Efficiency Ratio | 93.98% | 50.86% | 51.86% | - | 45.22% | 21.92% | 11.69% |
| Equity / Assets | 0% | 4.04% | 3.21% | 4.97% | 1.94% | 1% | 1.08% |
| Book Value / Share | 0.02 | 207.39 | 218.45 | 57.17 | 21.41 | 33.23 | 13.49 |
| NII Growth | - | - | -14.66% | -183.33% | 307.73% | 34.19% | -4.13% |
| Dividend Payout | - | 4.92% | 73.39% | - | - | - | - |
| 2022 | |
|---|---|
| Mortgage Originations | 298.8M |
| Mortgage Originations Growth | - |
| Reverse Of Mortage Originations | 289.39M |
| Reverse Of Mortage Originations Growth | - |
| Lender Services | 214.66M |
| Lender Services Growth | - |
| Portfolio Management | -220.38M |
| Portfolio Management Growth | - |
Finance Of America Companies Inc. (FOA) has a price-to-earnings (P/E) ratio of 20.6x. This is roughly in line with market averages.
Finance Of America Companies Inc. (FOA) grew revenue by 24.2% over the past year. This is strong growth.
Yes, Finance Of America Companies Inc. (FOA) is profitable, generating $6.0M in net income for fiscal year 2024 (0.8% net margin).
Finance Of America Companies Inc. (FOA) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.
Finance Of America Companies Inc. (FOA) has a net interest margin (NIM) of 0.8%. NIM has been under pressure due to interest rate environment.
Finance Of America Companies Inc. (FOA) has an efficiency ratio of 11.7%. This is excellent, indicating strong cost control.