7 years of historical data (2018–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Finance Of America Companies Inc. trades at 16.4x earnings, 31% above its 5-year average of 12.5x, sitting at the 67th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a premium of 19%.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $232 | $658M | $90M | $240M | $752M | $299M | $324M | — |
| Enterprise Value | $28.7B | $29.3B | $26.7B | $20.3B | $20.9B | $18.5B | $4.1B | — |
| P/E Ratio → | 16.40 | 23.83 | — | — | — | 1.20 | 4.23 | — |
| P/S Ratio | 0.00 | 0.34 | 0.06 | 0.35 | — | 0.13 | 0.21 | — |
| P/B Ratio | 1.43 | 2.09 | 0.33 | 0.59 | 0.69 | 0.48 | 0.48 | — |
| P/FCF | — | — | — | 0.17 | — | — | 3.35 | — |
| P/OCF | — | — | — | 0.17 | — | — | 3.21 | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Finance Of America Companies Inc.'s enterprise value stands at 350.7x EBITDA, 78% above its 5-year average of 197.2x. The Financial Services sector median is 11.1x, placing the stock at a 3061% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 15.05 | 17.00 | 29.54 | — | 7.75 | 2.71 | — |
| EV / EBITDA | 350.68 | 358.73 | — | — | — | 35.63 | 42.36 | — |
| EV / EBIT | 669.66 | 685.04 | — | — | — | 37.01 | 52.92 | — |
| EV / FCF | — | — | — | 14.42 | — | — | 42.39 | — |
Margins and return-on-capital ratios measuring operating efficiency
Finance Of America Companies Inc. earns an operating margin of 2.2%, below the Financial Services sector average of 21.9%. Operating margins have expanded from -49.9% to 2.2% over the past 3 years, signaling improving operational efficiency. ROE of 5.3% is modest, trailing the sector median of 9.1%. ROIC of 0.1% represents below-average returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 13.9% | 13.9% | 11.3% | -4.7% | — | 72.8% | 56.0% | 100.0% |
| Operating Margin | 2.2% | 2.2% | -10.6% | -49.9% | — | 20.9% | 5.1% | 7.0% |
| Net Profit Margin | 0.8% | 0.8% | -5.1% | -27.8% | — | 21.7% | 3.6% | 4.1% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| ROE | 5.3% | 5.3% | -23.7% | -25.6% | — | 79.8% | 16.2% | 35882.0% |
| ROA | 0.1% | 0.1% | -0.3% | -0.9% | — | 2.9% | 0.4% | 0.2% |
| ROIC | 0.1% | 0.1% | -0.5% | -1.2% | — | 3.2% | 1.5% | 1.3% |
| ROCE | 0.2% | 0.2% | -0.7% | -1.8% | — | 3.1% | 0.5% | 0.4% |
Solvency and debt-coverage ratios — lower is generally safer
Finance Of America Companies Inc. carries a Debt/EBITDA ratio of 351.3x, which is highly leveraged (8455% above the sector average of 4.1x). Net debt stands at $28.7B ($28.7B total debt minus $47M cash). Interest coverage of just 0.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 90.98 | 90.98 | 97.75 | 49.69 | 18.75 | 29.39 | 5.81 | 36976.87 |
| Debt / EBITDA | 351.26 | 351.26 | — | — | — | 35.53 | 40.23 | — |
| Net Debt / Equity | — | 90.83 | 97.58 | 49.54 | 18.62 | 29.00 | 5.64 | 36976.59 |
| Net Debt / EBITDA | 350.68 | 350.68 | — | — | — | 35.05 | 39.01 | — |
| Debt / FCF | — | — | — | 14.25 | — | — | 39.04 | 5.60 |
| Interest Coverage | 0.03 | 0.03 | -0.12 | -0.48 | — | 0.77 | 0.12 | — |
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.09x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.09 | 0.09 | 0.13 | 0.14 | 0.08 | 0.12 | 0.87 | 1.00 |
| Quick Ratio | 0.09 | 0.09 | 0.13 | 0.14 | 0.08 | 0.12 | 0.87 | 1.00 |
| Cash Ratio | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.08 | 0.87 | 0.00 |
| Asset Turnover | — | 0.07 | 0.06 | 0.03 | — | 0.12 | 0.09 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Finance Of America Companies Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 6.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | 10.0% | 100.0% | 0.8% | — |
| Payout Ratio | — | — | — | — | — | 73.4% | 4.9% | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.1% | 4.2% | — | — | — | 83.2% | 23.6% | — |
| FCF Yield | — | — | — | 586.3% | — | — | 29.8% | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | 10.0% | 100.0% | 0.8% | — |
| Shares Outstanding | — | $23M | $8M | $19M | $19M | $3M | $3M | $4M |
Compare FOA with 8 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| FOAYou | $232 | 16.4 | 350.7 | — | 13.9% | 2.2% | 5.3% | 0.1% | 351.3 |
| KKRS | $16B | 3.3 | 1.0 | 2.4 | 80.2% | 74.2% | 27.6% | 28.7% | — |
| CGABL | $6B | 6.4 | 3.3 | 6.3 | 50.1% | 25.2% | 15.2% | 15.3% | — |
| UPST | $3B | 60.5 | 47.3 | — | — | 4.1% | 7.5% | 2.2% | — |
| AGM | $1B | 9.5 | — | 18.4 | — | — | 11.4% | — | — |
| YRD | $673M | 0.7 | 0.5 | 3.3 | 84.8% | 28.4% | 18.0% | 14.0% | 0.0 |
| NRDS | $344M | 17.0 | 3.8 | 2.6 | 92.4% | 7.8% | 13.2% | 13.1% | — |
| PT | $48M | -0.2 | — | — | 63.5% | -40.1% | — | — | — |
| SNTG | $5M | -2.7 | — | — | 92.5% | -1615.2% | -17.9% | -11.3% | — |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 7 years · Updated daily
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Start ComparisonFinance Of America Companies Inc.'s current P/E ratio is 16.4x. The historical average is 9.8x. This places it at the 67th percentile of its historical range.
Finance Of America Companies Inc.'s current EV/EBITDA is 350.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 39.0x.
Finance Of America Companies Inc.'s return on equity (ROE) is 5.3%. The historical average is 10.4%.
Based on historical data, Finance Of America Companies Inc. is trading at a P/E of 16.4x. This is at the 67th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Finance Of America Companies Inc. has 13.9% gross margin and 2.2% operating margin.
Finance Of America Companies Inc.'s Debt/EBITDA ratio is 351.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.