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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 Framework: Banks & Lenders Micro Cap
Finance of America Companies Inc. (FOA), is a Micro Cap company, in the Credit Services industry, last closed at $20.24, about 7.6% overvalued vs fair value, -8.5% 1Y return, ranked 940/1037 in sector.
USD 20.24
0.15%
(Delayed)
• Vol 90d: 50.6%
52-Week Range
Market Cap
$172.14M
Enterprise Value
$30.82B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 89%
Updated: Mar 8
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 Aug 4 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$19
$35
Current: $20.24 -8% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.9B
0.8%%
Interest Expense
$1.7B
Net Interest Income
$203.2M
-11%%
Total Revenue
$412.0M
52.2%%
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
13.9%
Good

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

$40.3M
89.6% 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
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
10
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
8
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing FOA's balance between Growth (37.5%), Profitability (25.1%), and Safety (37.5%). Growth 37% Safety 37% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

59th percentile vs peers
60
Key Signals
Asset Growth YoY 7.6% 68p EPS Growth YoY 1.07 90p Equity Growth YoY 9.9% 69p NII Growth YoY -4.1% 25p
Strengths
  • EPS Growth YoY in top 20% of peers (1.07, 90th percentile)
  • Efficiency Ratio in top 20% of peers (1.94, 98th percentile)
  • Financial Leverage in top 20% of peers (115.39, 99th percentile)
  • D/E Ratio in top 20% of peers (111.08, 99th percentile)
  • Debt/Assets in top 20% of peers (97.3%, 99th percentile)
Risks

No significant risks identified for this axis.

Profitability

39th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

59th percentile vs peers
60
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
$18.71
- - -
-7.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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