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Company Analysis

Finance of America Companies In FOA

A comprehensive view of key metrics, scores, and financial health for Finance of America Companies In

Overview of Finance of America Companies Inc.

FOA NYQ
Financial Services Credit Services Micro Cap
Finance of America Companies Inc. (FOA), is a Micro Cap company, in the Credit Services industry, last closed at $16.30, about 6.5% overvalued vs fair value, -26.9% 1Y return, ranked 939/1004 in sector.
$16.30
0.68%
As of March 13, 2026
Previous close • Vol 90d: 40.5%
52-Week Range
Market Cap
$165.41M
Enterprise Value
$30.13B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.financeofamerica.c...
HQ Plano, TX
Employees 751
Fiscal year Dec 31

Next Events

Earnings Mar 10 Call: Mar 10

Fair Value Snapshot

Bear Base Bull
$8
$15
$29
Current: $16.30 -7% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.9B
17%%
Interest Expense
$1.7B
Net Interest Income
$228.4M
-4.1%%
Total Revenue
$270.6M
52.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.1%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$30.0M
193.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
2
Critical
Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Finance of America Companies In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
25
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
34
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FOA's balance between Growth (49.3%), Profitability (24.0%), and Safety (26.7%). Growth 49% Safety 27% Profitability 24%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

47th percentile vs peers
47
Key Signals
Rev Growth YoY 52.9% 70p EPS Growth YoY 1.07 85p Revenue CAGR 3Y -58.0% 4p TSR -47.3% 9p
Strengths
  • Eps Growth Yoy in top 20% of peers (1.07, 85th percentile)
  • D/E Ratio in top 20% of peers (111.08, 98th percentile)
  • Gross Profit Margin in top 20% of peers (1.00, 90th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

22th percentile vs peers
23
Key Signals
Strengths
Risks
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Safety

25th percentile vs peers
25
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Finance of America Companies In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$15.24
- - -
-6.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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