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FOAFinance Of America Companies Inc.
$27.40$244M
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FOA logoFinance Of America Companies Inc.(FOA)Earnings, Financials & Key Ratios

FOA•NYSE•Banking & Credit
$21.66
5.8× P/E·Price updated Jun 25, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryCredit Servicing and Structured Finance
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%

FOA Price & Volume

Finance Of America Companies Inc. (FOA) stock price & volume — 10-year historical chart

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Persistent Cash Burn Masks Structural Solvency Risks

Investment Thesis • Updated 2026Q1

VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Extreme leverage and liquidity

Key Thesis Takeaways

  • Finance of America's transition toward reverse mortgage lending remains hindered by extreme earnings volatility and a persistent inability to generate positive free cash flow, which has remained negative for ten consecutive quarters.
  • While the company reports occasional net income, these figures are frequently distorted by non-cash fair value adjustments that obscure the underlying operational strain.
  • Investors should remain cautious given the precarious 70.22 debt-to-equity ratio and the company's continued reliance on external financing to sustain its capital-intensive business model.

Verdict Logic

the company's structural inability to generate positive free cash flow, combined with a 70.22 debt-to-equity ratio, suggests significant long-term solvency risks that outweigh the current 6.47 P/E valuation.

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-
TTM-38.89%

EPS CAGR

10 Years-
5 Years-46.65%
3 Years-
TTM138.23%

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

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$1.10+31.0%
$0.84
Rev
$120M+4.2%
$115M
Q2 2026
Mar 10, 2026
Metric
Actual
Est
EPS
$0.69+6.6%
$0.65
Rev
$74M-32.8%
$109M
Q4 2025
Nov 4, 2025
Metric
Actual
Est
EPS
$1.33+105.6%
$0.65
Rev
$81M-26.1%
$109M
Q3 2025
Aug 5, 2025
Metric
Actual
Est
EPS
$0.55-9.5%
$0.61
Rev
$177M+82.8%
$97M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$1.10vs $0.84+31.0%
$120Mvs $115M+4.2%
Q2 2026Mar 10, 2026
$0.69vs $0.65+6.6%
$74Mvs $109M-32.8%
Q4 2025Nov 4, 2025
$1.33vs $0.65+105.6%
$81Mvs $109M-26.1%
Q3 2025Aug 5, 2025
$0.55vs $0.61-9.5%
$177Mvs $97M+82.8%
Based on last 12 quarters of dataView full earnings history →

Latest FOA News

Recent stock market news and headlines for Finance Of America Companies Inc. (FOA)

GuruFocus·6 days ago
Finance of America Expands Leadership Team to Accelerate Growth and Innovation

Finance of America Reverse LLC (“FOA” or the “Company”), the nation's leading provider of home equity-based financing solutions for modern retirement,

Business Wire·6 days ago
Finance of America Expands Leadership Team to Accelerate Growth and Innovation

PLANO, Texas--(BUSINESS WIRE)--Finance of America Reverse LLC (“FOA” or the “Company”), the nation's leading provider of home equity-based financing solutions for modern retirement, today announced the appointments of three senior leaders to its leadership team across brand, communications and product: Colm Murphy joins as Chief Brand Officer, Jordan Baucum as Senior Vice President of Communications, and Mike Urban as Chief Product Officer. The appointments reflect FOA's continued investment in.

Peers Comparison

Key metrics vs top competitors for Finance Of America Companies Inc. (FOA)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FOA logoFOAFinance Of America Companies Inc.Current
$21.66$192.6M5.799.2%2.13%12.72%0.11%
RKT logoRKTRocket Companies, Inc.
$14.78$41.74B-537.4527.37%2.82%1.53%—
UWMC logoUWMCUWM Holdings Corporation
$2.12$329.76M17.6765.83%2.14%4.07%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$84.30$4.4B9.06173.81%14.31%12.02%—
GHLD logoGHLDGuild Holdings Company
$20.01$439.06M12.8360.87%9.71%10.27%—
LDI logoLDIloanDepot, Inc.
$1.19$398.68M-3.9737.59%-5.42%-19.61%—

Compare FOA vs Peers

Finance Of America Companies Inc. (FOA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RKT

Most directly comparable listed peer for FOA.

Scale Benchmark

vs ICE

Larger-name benchmark to compare FOA against a more recognizable public peer.

Peer Set

Compare Top 5

vs RKT, UWMC, PFSI, GHLD

FOA SEC Filings & Documents

Finance Of America Companies Inc. (FOA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 21, 2026·SEC

Material company update

May 5, 2026·SEC

Material company update

May 5, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 11, 2026·SEC

FY 2025

Nov 13, 2025·SEC

FY 2025

Aug 11, 2025·SEC

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FOA Frequently Asked Questions

Finance Of America Companies Inc. (FOA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Finance Of America Companies Inc. growing?

Finance Of America Companies Inc. (FOA) grew revenue by 9.2% over the past year. This is steady growth.

Is FOA profitable?

Yes, Finance Of America Companies Inc. (FOA) is profitable, generating $32.5M in net income for fiscal year 2025 (2.1% net margin).

Dividend & Returns
Does FOA pay dividends?

Yes, Finance Of America Companies Inc. (FOA) pays a dividend with a yield of 0.11%. This makes it attractive for income-focused investors.

What is FOA's return on equity?

Finance Of America Companies Inc. (FOA) has a return on equity (ROE) of 12.7%. This is reasonable for most industries.

Industry Metrics
What is Finance Of America Companies Inc.'s net interest margin?

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.

What is Finance Of America Companies Inc.'s efficiency ratio?

Finance Of America Companies Inc. (FOA) has an efficiency ratio of 14.0%. This is excellent, indicating strong cost control.

What if you invested $1,000 in FOA back in 2018?

Total return calculator · dividends reinvested · 8+ years of data

See returns →