Finance Of America Companies Inc. (FOA) Total Return Calculator with Dividends Reinvested

Finance Of America Companies Inc.

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The total return for Finance Of America Companies Inc. (FOA) stock is -2.72% over the past 12 months. So far it's down 4.37% this year. The 5-year total return is -74.13%, meaning $10,000 invested in FOA stock 5 years ago would be worth $2,587 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in FOA 1 year ago, it would be worth $11,750 today — you'd have gained $1,750.

With Dividends Reinvested$11,750+17.50%

Price Only (No DRIP)$11,750+17.50%

Period2025-06-30 → 2026-06-29

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in FOA

1Y$9,728-$272 (-2.7%)-2.7% CAGR

3Y$10,576+$576 (+5.8%)1.9% CAGR

5Y$2,587-$7,413 (-74.1%)-23.7% CAGR

10Y$2,217-$7,783 (-77.8%)-14.0% CAGR

15Y$2,217-$7,783 (-77.8%)-9.6% CAGR

20Y$2,217-$7,783 (-77.8%)-7.3% CAGR

30Y$2,217-$7,783 (-77.8%)-4.9% CAGR

Finance Of America Companies Inc. did not pay dividends during this period. Total return = price return.

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As of 2026-06-30

Performance Summary

Best Year+184.04%2024

Worst Year-68.41%2022

Max Drawdown-45.07%2025-08-12 → 2026-03-30

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-4.37%	—	+22.05%	—	$9,563
1Y	-2.72%	-2.72%	+17.50%	—	$9,728
3Y	+5.76%	1.89%	+42.71%	—	$10,576
5Y	-74.13%	-23.70%	-63.17%	—	$2,587
10Y	-77.83%	-13.99%	-71.71%	—	$2,217
15Y	-77.83%	-9.56%	-71.71%	—	$2,217
20Y	-77.83%	-7.26%	-71.71%	—	$2,217
30Y	-77.83%	-4.90%	-71.71%	—	$2,217

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-13.81%	-13.81%	—	+0.41%	-14.2pp
2025	-14.39%	-14.39%	—	+16.64%	-31.0pp
2024	+184.04%	+184.04%	—	+24.00%	+160.0pp
2023	-16.03%	-16.03%	—	+24.81%	-40.8pp
2022	-68.41%	-68.41%	—	-19.95%	-48.5pp

FOA underperformed the S&P 500 by 23.56pp over the past year (-2.72% vs +20.84%).

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FOA Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
FOAFinance Of America Companies Inc.	$244M	+37.6%	-4.4%	-2.7%	—	+5.8%	-74.1%	-77.8%
RKTRocket Companies, Inc.	$43.8B	+6.8%	-25.9%	-1.5%	—	+78.5%	-17.9%	-17.9%
UWMCUWM Holdings Corporation	$327M	-31.4%	-50.0%	-43.7%	+9.4pp	-40.8%	-57.8%	-54.8%
PFSIPennyMac Financial Services, Inc.	$4.5B	+2.7%	-36.2%	-14.3%	+1.2pp	+27.8%	+38.7%	+568.7%
GHLDGuild Holdings Company	$439M	—	—	+2.6%	+1.3pp	+84.3%	+49.7%	+58.4%
LDIloanDepot, Inc.	$429M	-3.0%	-42.6%	-13.0%	—	-37.8%	-88.3%	-90.3%
AOMRAngel Oak Mortgage, Inc.	$223M	+9.0%	+10.9%	+11.0%	+14.0pp	+61.8%	-12.6%	-16.8%
PMTPennyMac Mortgage Investment Trust	$954M	+4.8%	-14.2%	-4.6%	+12.7pp	+17.4%	-11.7%	+74.8%
NMIHNMI Holdings, Inc.	$3.1B	+14.8%	-2.9%	-6.3%	—	+59.1%	+71.1%	+636.0%
ESNTEssent Group Ltd.	$6.0B	+12.0%	-3.5%	+2.9%	+2.2pp	+47.0%	+44.9%	+236.8%
FNFFidelity National Financial, Inc.	$12.8B	+0.5%	-12.7%	-13.6%	+3.6pp	+52.1%	+31.6%	+148.5%

Compare:FOA vs RKT FOA vs UWMC FOA vs PFSI FOA vs RKT vs UWMC

About FOA Dividend Returns

Finance Of America Companies Inc. (FOA) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of FOA over the past year?

Finance Of America Companies Inc. (FOA) delivered a total return of -2.72% over the past year when dividends are reinvested. The price-only return was -2.72%, meaning dividends contributed an additional 0.00 percentage points to total returns.

Q2How much would $10,000 invested in FOA be worth today?

A $10,000 investment in Finance Of America Companies Inc. one year ago would be worth $9,728 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $9,728. Dividend reinvestment added $0 to the portfolio value.

Q3Does FOA pay dividends?

Yes, Finance Of America Companies Inc. (FOA) pays dividends. In the last year, FOA paid approximately $0.02 per share in dividends (0.08% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did FOA beat the S&P 500?

No, Finance Of America Companies Inc. (FOA) underperformed the S&P 500 by 23.56 percentage points over the past year. FOA delivered a total return of -2.72%, compared to the S&P 500's 20.84%. This means a passive S&P 500 index fund outperformed FOA by 23.56pp during this period.

Q5What is FOA's worst drawdown?

Finance Of America Companies Inc. (FOA) experienced a maximum drawdown of -45.07% over the past year, declining from its peak on 2025-08-12 to its trough on 2026-03-30. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is FOA's long-term total return over 10, 20, or 30 years?

Here are Finance Of America Companies Inc. (FOA)'s long-term returns with dividends reinvested. Over 10 years, the total return is -77.8% (-14.0% CAGR) — $10,000 would have grown to $2,217. Over 20 years: -77.8% total return (-7.3% CAGR) — $10,000 → $2,217. Over 30 years: -77.8% total return (-4.9% CAGR) — $10,000 → $2,217. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was FOA's best and worst year?

Finance Of America Companies Inc.'s best calendar year was 2024 with a total return of 184.0%. Its worst year was 2022 with a total return of -68.4%. This range shows the volatility investors should expect — the difference between the best and worst year is 252.4 percentage points.

How much would $100/month in FOA be worth today?

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