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FOA stock logo

FOA

Finance Of America Companies Inc.

$17.72
0.52
 (3.02%)
[ms_data_label text=’Delayed data’]
Exchange:  NYSE
Market Cap:  179.824M
Shares Outstanding:  2.875M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Graham A. Fleming
Full Time Employees:  751
Address: 
909 Lake Carolyn Parkway
Plano
TX
75039
US
Website:  https://www.financeofamerica.com
Finance of America Companies Inc. operates a consumer lending platform in the United States. The company operates through: Mortgage Originations, Reverse Originations, Commercial Originations, Lender Services, and Portfolio Management segments. It provides residential mortgage loans to the government sponsored entities; government-insured agricultural lending solutions to farmers; product development, loan securitization, loan sales, risk management, asset management, and servicing oversight services to enterprise and third-party funds; and ancillary business services, title agency and title insurance services, mortgage servicing rights valuation and trade brokerage, transactional fulfillment services, mortgage loan third party review or due diligence services, and appraisal and capital management services to residential mortgage, student lending, and commercial lending industry customers. The company was founded in 2013 and is based in Irving, Texas.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/06 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,568,9181,949,340290,254
Gross Profit177,031270,643127,599
EBITDA-119,29781,7631,868,464
Operating Income-166,84242,816187,863
Net Income-80,08815,48845,235

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets27,107,59029,156,49030,733,298
Total Liabilities26,835,18328,840,82630,337,671
Total Stockholders Equity232,307255,299323,872
Total Debt26,286,87828,719,67030,206,942
Cash and Cash Equivalents46,48247,383324,646

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-71,568-423,815-429,746
Capital Expenditure000
Free Cash Flow-71,568-423,815-429,746
Net Income-80,088-142,62945,235
Net Change in Cash-52,63577,16722,678

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)529,589.899Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)529,589.899Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)529,589.899Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)165,360.252Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)165,360.252Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)165,360.252Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)141,386.416Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)141,386.416Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)141,386.416Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)211,175.994Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)211,175.994Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)211,175.994Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)5.250Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)5.250Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)5.250Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.935B  ?P/S
 (TTM)
: 
0.12
?Net Income
 (TTM)
: 
15.488M  ?P/E
 (TTM)
: 
3.51
?Enterprise Value
 (TTM)
: 
30.321B  ?EV/FCF
 (TTM)
: 
-70.56
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.15  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
28.418B  ?Debt/Equity
 (TTM)
: 
93.27
?P/B
 (TTM)
: 
0.49  ?Current Ratio
 (TTM)
: 
8

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
3.94Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate FOA Intrinsic Value

Common questions about FOA valuation

Is Finance Of America Companies Inc. (FOA) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Finance Of America Companies Inc. (FOA) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is FOA a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FOA trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is FOA’s P/E ratio?

You can see FOA’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for FOA?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is FOA a good long-term investment?

Whether FOA fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

FOA

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

3.02
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 15.77   Year High: 29.58
Price Avg 50: 19.77   Price Avg 200: 22.76
Volume: 79058   Average Volume: 92368

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Relevant news

FINANCE OF AMERICA: Kaskela Law Firm Announces Investigation of Finance of America Companies Inc. (FOA) and Encourages Shareholders to Contact the Firm
20-04-2026 09:00
FINANCE OF AMERICA: Kaskela Law Firm Announces Investigation of Finance of America Companies Inc. (FOA) and Encourages Shareholders to Contact the Firm
Finance of America: A Levered Bet On The $14T Senior Home Equity Market
06-02-2026 03:32
Finance of America: A Levered Bet On The $14T Senior Home Equity Market
Finance of America Announces $2.5 Billion Strategic Partnership with Funds Managed by Blue Owl to Expand FOA's Home Equity Lending
11-12-2025 17:19
Finance of America Announces $2.5 Billion Strategic Partnership with Funds Managed by Blue Owl to Expand FOA's Home Equity Lending

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