FOA
Finance of America Companies Inc.
Price Chart
Latest Quote
$20.12
+0.06 (+0.30%)
Current Price
| Previous Close | $20.06 |
| Open | $19.98 |
| Day High | $21.10 |
| Day Low | $20.01 |
| Volume | 35,809 |
Stock Information
| Shares Outstanding | 8.89M |
| Total Debt | $11.70B |
| Cash Equivalents | $107.66M |
| Revenue | $451.89M |
| Net Income | $32.17M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $178.90M |
| P/E Ratio | 8.90 |
| EPS (TTM) | $2.26 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $11.86B |
| Sales | $451.89M |
| Income | $32.17M |
| Book/sh | $40.66 |
| Cash/sh | $12.11 |
| Employees | 782 |
Financial Ratios
| Quick Ratio | 9.13 |
| Current Ratio | 9.23 |
| Debt/Eq | 2670.33 |
| EPS Growth TTM | -42.00% |
Returns & Margins
| ROA | 0.21% |
| ROE | 15.60% |
| Gross Margin | 79.75% |
| Operating Margin | 13.05% |
| Profit Margin | 7.20% |
Ownership
| Insider Ownership | 52.25% |
| Institutional Ownership | 57.01% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 3.76 |
| P/S | 0.40 |
| P/B | 0.49 |
Analyst Data
| Recommendation | none |
| Target Price | $25.00 |
Technical Indicators
| SMA20 | $19.78 |
| SMA50 | $20.28 |
| SMA200 | $21.58 |
| RSI | 56.73 |
| ATR | 0.8152 |
| Shares Float | 3.63M |
| Short Float | 13.20% |
| Short Ratio | 9.43 |
| Volatility | 1.70 |
| Rel Volume | 1.35 |
Performance History
| Week | -0.59% |
| Month | +7.88% |
| Quarter | +17.80% |
| 6 Months | -12.45% |
| YTD | -10.38% |
| Year | -5.81% |
| 3 Years | +18.35% |
| 5 Years | -72.44% |
| 10 Years | -79.23% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $20.12 | 59,000 |
| 2026-06-18 | $20.06 | 62,900 |
| 2026-06-17 | $19.80 | 27,700 |
| 2026-06-16 | $19.68 | 59,100 |
| 2026-06-15 | $19.95 | 60,800 |
| 2026-06-12 | $20.24 | 36,000 |
| 2026-06-11 | $20.21 | 30,900 |
| 2026-06-10 | $19.36 | 31,200 |
| 2026-06-09 | $19.54 | 25,500 |
| 2026-06-08 | $19.38 | 27,100 |
| 2026-06-05 | $19.70 | 39,100 |
| 2026-06-04 | $20.18 | 23,800 |
| 2026-06-03 | $19.09 | 51,600 |
| 2026-06-02 | $19.32 | 23,800 |
| 2026-06-01 | $19.51 | 71,800 |
| 2026-05-29 | $19.92 | 40,900 |
| 2026-05-28 | $20.25 | 48,000 |
| 2026-05-27 | $20.04 | 48,600 |
| 2026-05-26 | $19.82 | 52,900 |
About Finance of America Companies Inc.
Finance of America Companies Inc. a financial service holding company, through its subsidiaries, provides home equity-based financing solutions for a modern retirement in the United States. The company operates through two segments: Retirement Solutions and Portfolio Management. It offers home equity conversion and non-agency reverse mortgage loans; and product development, loan securitization, loan sales, risk management, servicing oversight, and asset management services. The company was founded in 2013 and is headquartered in Plano, Texas.
đ° Latest News
One Finance of America Companies Insider Raised Stake By 46% In Previous Year
Simply Wall St. âĸ 2026-06-01T10:33:47Z
Finance Of America Companies Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-05-06T12:30:00Z
Finance of America Companies Q1 Earnings Call Highlights
MarketBeat âĸ 2026-05-06T12:26:14Z
Finance of America Companies Inc (FOA) Q4 2025 Earnings Call Highlights: Record Growth Amid ...
GuruFocus.com âĸ 2026-03-11T03:00:28ZFinance of America Companies Q4 Earnings Call Highlights
MarketBeat âĸ 2026-03-10T22:41:42Z
Finance of America (FOA) Earnings Transcript
Motley Fool âĸ 2026-03-10T22:10:19Z
Investors in Finance of America Companies (NYSE:FOA) have unfortunately lost 77% over the last five years
Simply Wall St. âĸ 2026-01-27T10:35:58Z
Finance of America Companies Insider Ups Holding By 3,570% During Year
Simply Wall St. âĸ 2025-12-17T10:19:32Z
Finance of America (FOA): Non-Recurring Gain Drives Profit, Raising Doubts on Core Earnings Quality
Simply Wall St. âĸ 2025-11-06T13:10:01Z
Finance of America Companies Inc (FOA) Q3 2025 Earnings Call Highlights: Strong Growth Amidst ...
GuruFocus.com âĸ 2025-11-05T05:13:14Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $411,967,000 | $270,643,000 | $177,031,000 | $-32,380,000 |
| Operating Revenue | $411,967,000 | $270,643,000 | $177,031,000 | $-32,380,000 |
| Expenses | ||||
| Interest Expense | $1,716,772,000 | $1,676,784,000 | $1,391,887,000 | $719,338,000 |
| Other Non Operating Income Expenses | $-14,804,000 | $-6,931,000 | $211,000 | $31,992,000 |
| Selling And Marketing Expense | $48,608,000 | $39,429,000 | $31,896,000 | $13,031,000 |
| General And Administrative Expense | $174,195,000 | $172,438,000 | $226,990,000 | $245,662,000 |
| Professional Expense And Contract Services Expense | $19,843,000 | $20,480,000 | $24,790,000 | $25,248,000 |
| Other Non Interest Expense | $-2,878,000 | $-4,366,000 | $-14,214,000 | $-18,713,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $51,774,000 | $20,215,000 | $-28,179,000 | $198,978,000 |
| Net Interest Income | $203,198,000 | $228,430,000 | $238,260,000 | $177,557,000 |
| Interest Income | $1,919,970,000 | $1,905,214,000 | $1,630,147,000 | $896,895,000 |
| Normalized Income | $54,562,782 | $-27,868,222 | $-4,753,636 | $225,809,774 |
| Net Income From Continuing And Discontinued Operation | $45,235,000 | $15,488,000 | $-80,088,000 | $-190,682,000 |
| Average Dilution Earnings | $55,548,000 | $12,227,000 | $0 | $-395,906,000 |
| Net Income Common Stockholders | $45,039,000 | $15,488,000 | $-80,088,000 | $-190,682,000 |
| Net Income | $45,235,000 | $15,488,000 | $-80,088,000 | $-190,682,000 |
| Net Income Including Noncontrolling Interests | $103,039,000 | $35,691,000 | $-218,158,000 | $-715,528,000 |
| Net Income Discontinuous Operations | $-6,539,000 | $-4,727,000 | $-51,909,000 | $-389,660,000 |
| Net Income Continuous Operations | $109,578,000 | $40,418,000 | $-166,249,000 | $-325,868,000 |
| Pretax Income | $113,097,000 | $42,816,000 | $-166,842,000 | $-343,000,000 |
| Special Income Charges | $-2,878,000 | $50,936,000 | $-23,510,000 | $-28,241,000 |
| Depreciation Amortization Depletion Income Statement | $38,595,000 | $38,947,000 | $42,369,000 | $42,028,000 |
| Depreciation And Amortization In Income Statement | $38,595,000 | $38,947,000 | $42,369,000 | $42,028,000 |
| Per Share | ||||
| Diluted EPS | $3.74 | $1.18 | $-9.80 | $-31.20 |
| Basic EPS | $4.72 | $1.57 | $-9.80 | $-30.60 |
| Other | ||||
| Tax Effect Of Unusual Items | $-89,218 | $2,852,778 | $-84,636 | $-1,409,226 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-2,878,000 | $50,936,000 | $-23,510,000 | $-28,241,000 |
| Total Unusual Items Excluding Goodwill | $-2,878,000 | $50,936,000 | $-23,510,000 | $-28,241,000 |
| Reconciled Depreciation | $38,595,000 | $38,947,000 | $47,545,000 | $64,991,000 |
| Diluted Average Shares | $26,930,745 | $23,406,233 | $8,197,753 | $18,823,651 |
| Basic Average Shares | $9,537,237 | $9,850,903 | $8,197,753 | $6,229,853 |
| Diluted NI Availto Com Stockholders | $100,587,000 | $27,715,000 | $-80,088,000 | $-190,682,000 |
| Preferred Stock Dividends | $196,000 | - | - | - |
| Minority Interests | $-57,804,000 | $-20,203,000 | $138,070,000 | $524,846,000 |
| Tax Provision | $3,519,000 | $2,398,000 | $-593,000 | $-17,132,000 |
| Other Special Charges | $2,878,000 | $4,366,000 | $14,214,000 | $18,713,000 |
| Write Off | $0 | $891,000 | - | - |
| Selling General And Administration | $222,803,000 | $211,867,000 | $258,886,000 | $258,693,000 |
| Other Gand A | $28,425,000 | $34,078,000 | $48,671,000 | $38,719,000 |
| Salaries And Wages | $145,770,000 | $138,360,000 | $178,319,000 | $206,943,000 |
| Occupancy And Equipment | $2,825,000 | $4,904,000 | $8,743,000 | $7,115,000 |
| Impairment Of Capital Assets | - | $891,000 | $9,296,000 | $9,528,000 |
| Gain On Sale Of Security | - | - | - | $332,630,000 |
Fetched: 2026-06-23
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $144,257,000 | $38,957,000 | $-27,660,000 | $-138,289,000 |
| Total Assets | $30,733,298,000 | $29,156,490,000 | $27,107,590,000 | $20,872,655,000 |
| Goodwill And Other Intangible Assets | $179,615,000 | $216,342,000 | $259,967,000 | $392,215,000 |
| Other Intangible Assets | $179,615,000 | $216,342,000 | $259,967,000 | $392,215,000 |
| Prepaid Assets | $10,013,000 | $11,998,000 | $12,245,000 | $10,646,000 |
| Receivables | $73,525,000 | $62,883,000 | $104,140,000 | $120,208,000 |
| Other Receivables | $47,100,000 | $41,948,000 | $76,646,000 | $66,947,000 |
| Accounts Receivable | $26,425,000 | $20,935,000 | $27,494,000 | $53,261,000 |
| Allowance For Doubtful Accounts Receivable | $-8,264,000 | $-3,135,000 | $-4,615,000 | $-5,173,000 |
| Gross Accounts Receivable | $34,689,000 | $24,070,000 | $32,109,000 | $58,434,000 |
| Cash And Cash Equivalents | $89,503,000 | $47,383,000 | $46,482,000 | $61,149,000 |
| Cash Cash Equivalents And Federal Funds Sold | $324,646,000 | $301,968,000 | $224,801,000 | $256,544,000 |
| Debt | ||||
| Net Debt | $30,076,844,000 | $28,643,813,000 | $26,209,146,000 | $20,005,819,000 |
| Total Debt | $30,192,016,000 | $28,719,670,000 | $26,286,878,000 | $20,101,359,000 |
| Long Term Debt And Capital Lease Obligation | $29,004,317,000 | $27,801,423,000 | $25,358,399,000 | $18,773,725,000 |
| Long Term Debt | $28,978,648,000 | $27,772,949,000 | $25,327,149,000 | $18,739,334,000 |
| Current Debt And Capital Lease Obligation | $1,187,699,000 | $918,247,000 | $928,479,000 | $1,327,634,000 |
| Current Debt | $1,187,699,000 | $918,247,000 | $928,479,000 | $1,327,634,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $30,337,671,000 | $28,840,826,000 | $26,835,183,000 | $20,467,814,000 |
| Non Current Deferred Liabilities | $14,054,000 | $18,354,000 | $12,780,000 | $3,918,000 |
| Payables And Accrued Expenses | $34,678,000 | $27,227,000 | $81,071,000 | $118,675,000 |
| Payables | $15,962,000 | $14,005,000 | $67,991,000 | $41,768,000 |
| Other Payable | $15,962,000 | $14,005,000 | $67,991,000 | $41,768,000 |
| Derivative Product Liabilities | - | - | $1,150,000 | $1,117,000 |
| Non Current Deferred Taxes Liabilities | - | - | - | $2,367,000 |
| Equity | ||||
| Common Stock Equity | $323,872,000 | $255,299,000 | $232,307,000 | $253,926,000 |
| Total Equity Gross Minority Interest | $395,627,000 | $315,664,000 | $272,407,000 | $404,841,000 |
| Stockholders Equity | $323,872,000 | $255,299,000 | $232,307,000 | $253,926,000 |
| Gains Losses Not Affecting Retained Earnings | $-285,000 | $-276,000 | $-249,000 | $-273,000 |
| Retained Earnings | $-653,660,000 | $-698,895,000 | $-714,383,000 | $-634,295,000 |
| Preferred Securities Outside Stock Equity | - | - | - | - |
| Other | ||||
| Treasury Shares Number | $2,021,992 | $425,850 | $425,850 | - |
| Ordinary Shares Number | $7,899,344 | $9,934,449 | $9,634,074 | $6,342,335 |
| Share Issued | $9,921,336 | $10,360,299 | $10,059,924 | $6,342,335 |
| Tangible Book Value | $144,257,000 | $38,957,000 | $-27,660,000 | $-138,289,000 |
| Invested Capital | $30,490,219,000 | $28,946,495,000 | $26,487,935,000 | $20,320,894,000 |
| Capital Lease Obligations | $25,669,000 | $28,474,000 | $31,250,000 | $34,391,000 |
| Total Capitalization | $29,302,520,000 | $28,028,248,000 | $25,559,456,000 | $18,993,260,000 |
| Minority Interest | $71,755,000 | $60,365,000 | $40,100,000 | $150,915,000 |
| Additional Paid In Capital | $977,816,000 | $954,469,000 | $946,938,000 | $888,488,000 |
| Capital Stock | $1,000 | $1,000 | $1,000 | $6,000 |
| Common Stock | $1,000 | $1,000 | $1,000 | $6,000 |
| Preferred Stock | $0 | $0 | - | - |
| Non Current Deferred Revenue | $14,054,000 | $18,354,000 | $12,780,000 | $3,918,000 |
| Long Term Capital Lease Obligation | $25,669,000 | $28,474,000 | $31,250,000 | $34,391,000 |
| Line Of Credit | $1,187,699,000 | $918,247,000 | $928,479,000 | $1,327,634,000 |
| Current Accrued Expenses | $18,716,000 | $13,222,000 | $13,080,000 | $76,907,000 |
| Investments And Advances | $38,685,000 | $40,407,000 | $44,297,000 | $46,439,000 |
| Available For Sale Securities | $38,685,000 | $40,407,000 | $44,297,000 | $46,439,000 |
| Net PPE | $21,988,000 | $24,357,000 | $29,366,000 | $37,064,000 |
| Gross PPE | $21,988,000 | $24,357,000 | $29,366,000 | $43,024,000 |
| Other Properties | $21,988,000 | $24,357,000 | $29,366,000 | $27,933,000 |
| Accumulated Depreciation | - | - | $-10,348,000 | $-5,960,000 |
| Leases | - | - | $2,942,000 | $3,870,000 |
| Machinery Furniture Equipment | - | - | $13,373,000 | $11,221,000 |
| Long Term Provisions | - | - | - | $31,073,000 |
| Buildings And Improvements | - | - | - | $164,000 |
| Employee Benefits | - | - | - | - |
| Goodwill | - | - | - | - |
Fetched: 2026-06-23
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-429,746,000 | $-423,815,000 | $-71,568,000 | $1,407,819,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-429,746,000 | $-423,815,000 | $-71,568,000 | $1,407,819,000 |
| Cash Flow From Continuing Operating Activities | $-429,746,000 | $-423,815,000 | $-71,568,000 | $1,407,819,000 |
| Operating Gains Losses | - | $-56,193,000 | $44,061,000 | $-208,473,000 |
| Investing Activities | ||||
| Investing Cash Flow | $854,887,000 | $340,912,000 | $158,137,000 | $-1,819,075,000 |
| Cash Flow From Continuing Investing Activities | $854,887,000 | $340,912,000 | $158,137,000 | $-1,819,075,000 |
| Net Other Investing Changes | $-5,159,000 | $-298,000 | $-5,328,000 | $-36,267,000 |
| Capital Expenditure | - | - | - | $-11,236,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-40,149,000 | $0 | - | - |
| Issuance Of Capital Stock | $49,314,000 | $0 | $30,000,000 | $0 |
| Financing Cash Flow | $-402,454,000 | $160,097,000 | $-139,228,000 | $225,214,000 |
| Cash Flow From Continuing Financing Activities | $-402,454,000 | $160,097,000 | $-139,228,000 | $225,214,000 |
| Net Other Financing Charges | $-4,043,000 | $-10,353,000 | $-2,726,000 | $-7,141,000 |
| Cash Dividends Paid | $-196,000 | $0 | - | $0 |
| Preferred Stock Dividend Paid | $-196,000 | $0 | - | - |
| Net Preferred Stock Issuance | $49,314,000 | $0 | - | - |
| Preferred Stock Issuance | $49,314,000 | $0 | - | - |
| Net Common Stock Issuance | $-40,149,000 | $0 | $30,000,000 | $0 |
| Common Stock Issuance | - | $0 | $30,000,000 | $0 |
| Other | ||||
| Repayment Of Debt | $-12,885,549,000 | $-10,868,100,000 | $-8,640,983,000 | $-27,570,271,000 |
| Issuance Of Debt | $12,478,169,000 | $11,038,550,000 | $8,474,481,000 | $27,802,626,000 |
| Interest Paid Supplemental Data | $625,125,000 | $432,937,000 | $308,381,000 | $269,259,000 |
| End Cash Position | $324,646,000 | $301,968,000 | $224,801,000 | $277,436,000 |
| Beginning Cash Position | $301,968,000 | $224,801,000 | $277,436,000 | $463,641,000 |
| Effect Of Exchange Rate Changes | $-9,000 | $-27,000 | $24,000 | $-163,000 |
| Changes In Cash | $22,687,000 | $77,194,000 | $-52,659,000 | $-186,042,000 |
| Common Stock Payments | $-40,149,000 | $0 | - | - |
| Net Issuance Payments Of Debt | $-407,380,000 | $170,450,000 | $-166,502,000 | $232,355,000 |
| Net Long Term Debt Issuance | $-407,380,000 | $170,450,000 | $-166,502,000 | $232,355,000 |
| Long Term Debt Payments | $-12,885,549,000 | $-10,868,100,000 | $-8,640,983,000 | $-27,570,271,000 |
| Long Term Debt Issuance | $12,478,169,000 | $11,038,550,000 | $8,474,481,000 | $27,802,626,000 |
| Net Business Purchase And Sale | $0 | $3,000,000 | $-69,688,000 | $0 |
| Sale Of Business | $0 | $3,000,000 | $71,166,000 | $0 |
| Net Intangibles Purchase And Sale | $0 | $5,516,000 | $85,628,000 | $473,794,000 |
| Sale Of Intangibles | $0 | $5,516,000 | $85,628,000 | $473,794,000 |
| Change In Working Capital | $-5,247,000 | $-62,125,000 | $1,934,000 | $242,130,000 |
| Change In Other Current Assets | $5,773,000 | $33,437,000 | $33,759,000 | $421,323,000 |
| Change In Payables And Accrued Expense | $-11,020,000 | $-95,562,000 | $-31,825,000 | $-162,425,000 |
| Other Non Cash Items | $-572,775,000 | $-387,427,000 | $13,954,000 | $1,784,333,000 |
| Stock Based Compensation | $10,161,000 | $8,812,000 | $24,667,000 | $47,857,000 |
| Asset Impairment Charge | $0 | $891,000 | $13,751,000 | $192,509,000 |
| Deferred Tax | $-3,519,000 | $-2,411,000 | $678,000 | - |
| Deferred Income Tax | $-3,519,000 | $-2,411,000 | $678,000 | - |
| Depreciation Amortization Depletion | $38,595,000 | $38,947,000 | $47,545,000 | $64,991,000 |
| Depreciation And Amortization | $38,595,000 | $38,947,000 | $47,545,000 | $64,991,000 |
| Net Income From Continuing Operations | $103,039,000 | $35,691,000 | $-218,158,000 | $-715,528,000 |
| Purchase Of Business | - | $0 | $-140,854,000 | $0 |
| Income Tax Paid Supplemental Data | - | - | $0 | $46,000 |
| Net Short Term Debt Issuance | - | - | $-526,890,000 | $-1,892,072,000 |
| Short Term Debt Payments | - | - | $-5,119,322,000 | $-23,365,804,000 |
| Short Term Debt Issuance | - | - | $4,592,432,000 | $21,473,732,000 |
| Net Investment Purchase And Sale | - | - | - | $1,202,000 |
| Sale Of Investment | - | - | - | $13,056,000 |
| Purchase Of Investment | - | - | - | $-11,854,000 |
| Purchase Of Intangibles | - | - | - | $0 |
| Net PPE Purchase And Sale | - | - | - | $-11,236,000 |
| Purchase Of PPE | - | - | - | $-11,236,000 |
Fetched: 2026-06-23