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Finance of America Companies Inc. logo

Finance of America Companies Inc.

FOA

NYSEFinancial ServicesFinancial - Credit Services

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Previous close

$20.05

−$0.23 · -1.13%

Aug 21, 4:00 PM ET

FOA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

73

Undervalued

Momentum

62

Gaining

Sentiment

53

Mixed

Risk resilience

44

Elevated Risk

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Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Graham A. Fleming
Listed since
Apr 18, 2019
Employees
783

Market position

Day range

Current $20.05

52-week range

Current $20.05

Open
$20.44
Previous close
$20.28
Volume
75.47K
1.29× average
Average volume
58.64K
Average daily volume
Market cap
179.18M USD
Beta
1.69
Market reference 1
50-day average
$23.1116
-13.25% below average
200-day average
$21.6173
-7.25% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
30.09B USD
EV / EBITDA
198.35×
Earnings yield
22.03%
Free cash flow yield
-209.32%

Profitability & efficiency

Return on equity
13.97%
Return on assets
0.15%
Return on invested capital
0.36%

Financial health

Current ratio
8×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends110%52%-6%-64%Gross margin, FY2021: 95.28%Gross margin, FY2022: -4.71%Gross margin, FY2023: 11.28%Gross margin, FY2024: 13.88%Gross margin, FY2025: 19.35%Operating margin, FY2021: 15.68%Operating margin, FY2022: -49.93%Operating margin, FY2023: -10.63%Operating margin, FY2024: 2.20%Operating margin, FY2025: 5.31%Net margin, FY2021: -19.12%Net margin, FY2022: -27.76%Net margin, FY2023: -5.10%Net margin, FY2024: 0.79%Net margin, FY2025: 2.12%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.28%. Gross margin FY2022 -4.71%. Gross margin FY2023 11.28%. Gross margin FY2024 13.88%. Gross margin FY2025 19.35%. Operating margin FY2021 15.68%. Operating margin FY2022 -49.93%. Operating margin FY2023 -10.63%. Operating margin FY2024 2.20%. Operating margin FY2025 5.31%. Net margin FY2021 -19.12%. Net margin FY2022 -27.76%. Net margin FY2023 -5.10%. Net margin FY2024 0.79%. Net margin FY2025 2.12%.

Income trends

Revenue

2.13B USD+9.20%

Operating income

113.1M USD+164.15%

Net income

45.24M USD+192.06%
Income trends across reported periods2.38B USD1.39B USD398.52M USD−590.17M USDRevenue, FY2021: 1.32B USDRevenue, FY2022: 686.96M USDRevenue, FY2023: 1.57B USDRevenue, FY2024: 1.95B USDRevenue, FY2025: 2.13B USDOperating income, FY2021: 206.64M USDOperating income, FY2022: −343M USDOperating income, FY2023: −166.84M USDOperating income, FY2024: 42.82M USDOperating income, FY2025: 113.1M USDNet income, FY2021: −251.94M USDNet income, FY2022: −190.68M USDNet income, FY2023: −80.09M USDNet income, FY2024: 15.49M USDNet income, FY2025: 45.24M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.32B USD. Revenue FY2022 686.96M USD. Revenue FY2023 1.57B USD. Revenue FY2024 1.95B USD. Revenue FY2025 2.13B USD. Operating income FY2021 206.64M USD. Operating income FY2022 −343M USD. Operating income FY2023 −166.84M USD. Operating income FY2024 42.82M USD. Operating income FY2025 113.1M USD. Net income FY2021 −251.94M USD. Net income FY2022 −190.68M USD. Net income FY2023 −80.09M USD. Net income FY2024 15.49M USD. Net income FY2025 45.24M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue2.13B USD1.95B USD1.57B USD686.96M USD1.32B USD
Cost of goods sold1.72B USD1.68B USD1.39B USD719.34M USD62.22M USD
Gross profit411.97M USD270.64M USD177.03M USD−32.38M USD1.26B USD
Selling, general, and administrative222.8M USD211.87M USD258.89M USD258.69M USD1.54B USD
Operating expenses298.87M USD227.83M USD343.87M USD310.62M USD1.05B USD
Interest income1.92B USD1.91B USD1.63B USD896.9M USD56.59M USD
Interest expense1.72B USD1.68B USD1.39B USD719.34M USD142.06M USD
Depreciation and amortization38.6M USD38.95M USD47.55M USD64.99M USD62.22M USD
Operating income113.1M USD42.82M USD−166.84M USD−343M USD206.64M USD
Net income45.24M USD15.49M USD−80.09M USD−190.68M USD−251.94M USD

Company facts updated Aug 24, 2026.

FOA news

businesswire.com

FOA STOCK ALERT: Kaskela Law Announces Shareholder Investigation of Finance of America Companies Inc. (NYSE: FOA) and Encourages FOA Stockholders to Contact the Firm

NEWTOWN SQUARE, Pa.--(BUSINESS WIRE)---- $FOA #FOA--Kaskela Law announces that it is investigating Finance of America Companies Inc. (NYSE: FOA) (“Finance of America”) on behalf of the company's current stockholders.The…

Read source
gurufocus.com

Finance of America Earns 2026 Great Place To Work CertificationTM

Finance of America Reverse LLC (“Finance of America” or the “Company”) (NYSE: FOA), the nation's leading provider of home equity-based retirement soluti

Read source
businesswire.com

Finance of America Earns 2026 Great Place To Work CertificationTM

PLANO, Texas--(BUSINESS WIRE)--Finance of America Reverse LLC (“Finance of America” or the “Company”) (NYSE: FOA), the nation's leading provider of home equity-based retirement solutions, today announced it has been…

Read source
marketbeat.com

Finance of America Companies Q2 Earnings Call Highlights

Finance of America Companies NYSE: FOA reported second-quarter adjusted net income of $19 million, or $0.84 per share, as higher reverse-mortgage production and cash generation supported its full-year outlook despite a…

Read source
seekingalpha.com

Finance of America Companies Inc. (FOA) Q2 2026 Earnings Call Transcript

Finance of America Companies Inc. (FOA) Q2 2026 Earnings Call Transcript

Read source
zacks.com

Finance of America Companies Inc. (FOA) Q2 Earnings and Revenues Miss Estimates

Finance of America Companies Inc. (FOA) came out with quarterly earnings of $0.84 per share, missing the Zacks Consensus Estimate of $1.09 per share. This compares to earnings of $0.55 per share a year ago.

Read source

FOA peers

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Visa Inc. logo

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Mastercard Incorporated logo

MA

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Bank of America Corporation logo

BAC

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$61.69

-0.27%

ETFs holding FOA

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
4.76M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
2.75M
Weight
0.00%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
2.73M
Weight
0.01%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
1.37M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
895.89K
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
First Trust Dow Jones Select MicroCap Index Fund logoFirst Trust Dow Jones Select MicroCap Index FundFDM
Market value
554.25K
Weight
0.13%
AUM
423.22M USD
Expense ratio
0.65%
Price / 1D
$92.96+0.50%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
527.85K
Weight
0.00%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$83.02+0.73%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
502.75K
Weight
0.00%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%

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