Finance of America Companies Inc. FOA R2K
Financial Services · Credit Services · United States
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.
READ MORE ›$19.92
-9.29% 1Y
Market & Price
Market Cap
$177.12M
Current Price
$19.92
High / Low (52W)
$29.22 / $16.05
Beta
1.70
Valuation
Stock P/E
8.81
Industry PE
12.01
Forward P/E
3.72
PEG Ratio
-
Book Value
$40.66
Price to Book
0.49
P/S
0.39
EV/EBITDA
-
Dividend Yield
-
Profitability & Returns
ROCE
-
ROE
15.60%
ROA
0.21%
Profit Margin
7.20%
Op Margin
13.05%
EPS (Latest Qtr)
$0.88
EPS (TTM)
$2.26
Balance Sheet & Liquidity
Debt/Equity
26.70
Quick Ratio
9.13
Current Ratio
9.23
Debt
$11.70B
Total Assets
$30.73B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
52.36%
Chg in Prom Hold
-
FII / Inst Holding
57.00%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$11.86B
Total Revenue (TTM)
$451.89M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$-468.53M
Shares Outstanding
8.89M
Gross Margin
79.75%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
457.43%
Profit 5Y
41.24%
Revenue (YoY)
-27.50%
Earnings (YoY)
-64.70%
PROS
- Compounding revenue at 457.4% over 5 years.
- Profit CAGR of 41.2% over 5 years.
CONS
- Trading 31.8% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FOA Finance of America Companies Inc. R2K | 19.92 | 8.81 | $177.12M | - | - | 15.60% | 457.43% | 41.24% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | 465.46M | 607.26M | 507.66M | 389.12M | 456.50M | 46.06M | -21.17M | -37.55M | 140.85M | -111.90M | -70.44M | 74.68M | 79.04M | - | 146.62M | 160.39M | 47.15M | 57.80M | 95.03M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -167.13K | - | - | -9.14M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 425.08M | 437.56M | 418.52M | 435.62M | 414.03M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 81.69M | 81.95M | -28.55M | -22.00M | 36.26M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.94M | 2.13M | 130.00K | -686.00K | 1.09M |
| Net Income | 6.73M | 148.34M | 246.29M | 119.86M | 2.27M | 21.38M | -8.49M | -40.68M | -84.49M | 3.05M | -79.14M | -65.36M | -7.54M | -2.09M | - | 30.21M | 34.92M | -9.52M | -10.38M | 17.51M |
| Diluted EPS | - | - | - | 0.00 | -0.05 | 0.22 | -0.30 | -0.70 | -1.34 | 0.07 | -9.05 | -7.45 | -0.78 | -0.30 | - | 2.43 | 2.13 | -1.27 | -1.34 | 0.88 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Revenue | 891.52M | 1.80B | -32.38M | 177.03M | 270.64M | 411.97M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | - | - | 719.34M | 1.39B | 1.68B | 1.72B |
| Pretax Income | - | - | -343.00M | -166.84M | 42.82M | 113.10M |
| Tax Provision | - | - | -17.13M | -593.00K | 2.40M | 3.52M |
| Net Income | 54.41M | 518.39M | -190.68M | -80.09M | 15.49M | 45.23M |
| Diluted EPS | - | - | -31.20 | -9.80 | 1.18 | 3.74 |
Compounded Sales Growth
| 5 Years: | 457.43% |
| 1 Year: | -27.50% |
Compounded Profit Growth
| 5 Years: | 41.24% |
| 1 Year: | -64.70% |
Stock Price Performance
| 1 Year: | -9.29% |
| 6 Months: | -16.48% |
| 3 Months: | +2.95% |
| 1 Month: | +2.89% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Mar 2021 | Apr 2021 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 16.58B | 19.57B | 20.10B | - | - | 20.87B | 27.11B | 29.16B | 30.73B |
| Current Assets | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | 233.10M | - | - | - | 61.15M | 46.48M | 47.38M | 89.50M |
| Inventory | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | 53.26M | 27.49M | 20.93M | 26.43M |
| Total Liabilities | - | 18.77B | - | - | - | 20.47B | 26.84B | 28.84B | 30.34B |
| Current Liabilities | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | 18.74B | 25.33B | 27.77B | 28.98B |
| Total Debt | - | - | - | - | - | 20.10B | 26.29B | 28.72B | 30.19B |
| Total Equity | - | 628.04M | 2.34B | 2.34B | - | 253.93M | 232.31M | 255.30M | 323.87M |
| Shares Outstanding | - | - | - | - | - | 6.34M | 10.06M | 10.36M | 9.92M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | 101.12M | -686.09M | 1.41B | -71.57M | -423.81M | -429.75M |
| Investing Cash Flow | -2.03B | -875.11M | -1.82B | 158.14M | 340.91M | 854.89M |
| Financing Cash Flow | 2.07B | 1.72B | 225.21M | -139.23M | 160.10M | -402.45M |
| Capital Expenditure | -4.29M | -9.03M | -11.24M | - | - | - |
| Free Cash Flow | 96.84M | -695.12M | 1.41B | -71.57M | -423.81M | -429.75M |
| Net Change in Cash | - | - | -186.04M | -52.66M | 77.19M | 22.69M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - |
| Net Margin % | 6.1% | 28.8% | 588.9% | -45.2% | 5.7% | 11.0% |
| ROE % | - | 82.5% | -75.1% | -34.5% | 6.1% | 14.0% |
| ROCE % | - | - | - | - | - | - |
Shareholding Pattern
Insiders
52.36%
Institutions
57.00%
Public Float
119.65%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Cooperman, Leon G. | 14.46% | 1.29M | $25.62M |
| 2 | Beach Point Capital Management LP | 10.43% | 927.84K | $18.48M |
| 3 | Vanguard Capital Management LLC | 3.65% | 324.82K | $6.47M |
| 4 | Blackrock Inc. | 3.24% | 288.28K | $5.74M |
| 5 | American Century Companies Inc | 1.81% | 160.60K | $3.20M |
| 6 | Brigade Capital Management, LP | 1.77% | 157.00K | $3.13M |
| 7 | Two Sigma Investments, LP | 1.30% | 115.44K | $2.30M |
| 8 | Geode Capital Management, LLC | 1.25% | 111.23K | $2.22M |
| 9 | Purpose Unlimited Inc. | 1.24% | 110.02K | $2.19M |
| 10 | Dimensional Fund Advisors LP | 1.15% | 102.06K | $2.03M |
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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