Finance of America Companies Inc.

Finance of America Companies Inc.

FOA
Finance of America Companies Inc.US flagNew York Stock Exchange
15.26
USD
-0.39
- -
136.37MMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
141.55
290.43
- -
-5.2
21.6
27.47
43.2
27.89
Basic EPS, GAAP
9.09
86.57
- -
-30.61
-9.77
1.57
4.72
-0.3
Free Cash Flow per Basic Share
16.17
-118.43
- -
224.18
-8.73
-43.02
-45.06
-64.62
Dividend per Share
0.45
63.53
- -
- -
- -
- -
0.02
0.26
Book Value per Share
- -
104.9
63.85
40.04
24.11
25.7
41
38.79
Tangible Book Value per Share
- -
51.66
-105.82
-21.8
-2.87
3.92
18.26
20.77
Basic Weighted Avg Shares
6
6
6
6
8
10
10
9
Sales/Revenue/Turnover
848
1,739
- -
-32
177
271
412
240
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
19
19
- -
65
48
39
39
39
Net Income, GAAP
54
518
- -
-191
-80
15
45
- -
Effective Tax Rate (%)
1.22
0.47
- -
- -
- -
5.6
3.11
3.01
Profit Margin (%)
6.42
29.81
- -
588.89
-45.24
5.72
10.98
-0.14
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
15,445
16,953
18,774
25,358
27,801
29,004
35,706
Total Equity
- -
628
1,083
405
272
316
396
407
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
165.04
- -
-59.42
-32.94
6.35
15.55
-0.77

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
1,188
899
1,055
LT Borrowings
28,979
29,856
35,706
LT Finance Leases
26
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
9
9
Market Capitalization
191
142
246

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
90
108
85
Accounts Receivable, Net
26
- -
15
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
35
- -
- -
ST Debt
1,188
899
1,055
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
3.66%
25.33%
Free Cash Flow
- -
- -
1.4%
Net Income, GAAP
- -
- -
192.06%
Sales/Revenue/Turnover
- -
- -
52.22%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
58
66
275
-128
271
2025
147
160
47
58
412
2026
95
40
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.78
-0.21
8.48
-5.95
1.57
2025
2.97
3.16
-1.05
-1.32
4.72
2026
1.93
0.1
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
0.02
2026
0.13
0.13
- -
- -
- -

Company Description

CEO
Graham A. Fleming
Full Time Employees
783
Sector
Financial Services
Industry
Financial - Credit Services
Address
5830 Granite Parkway Plano TX United States of America 75024
IPO Date
Apr 18, 2019
Business
Finance of America Companies Inc. Finance of America Companies Inc. (NYSE: FOA) is a financial services holding company that, through its operating subsidiaries, provides home equity-based financing solutions for modern retirement in the United States. The company operates primarily through two segments, Retirement Solutions and Portfolio Management; it originates, securitizes, services, and manages reverse mortgage loans including Home Equity Conversion Mortgages (HECM) insured by the U.S. Federal Government and proprietary products such as HomeSafe and HomeSafe Second, which allow homeowners aged 55 or older to access home equity without monthly payments; additionally, it offers commercial lending for real estate investors, home improvement loans, business purpose loans to residential real estate investors, loan sales, risk management, servicing oversight, and asset management services. Finance of America Companies Inc. generates the majority of its revenue from Retirement Solutions, with Portfolio Management contributing through net interest income and fair value changes on assets; it serves older homeowners, real estate investors, and institutional investors seeking mortgage-related assets, primarily across the United States from its headquarters in Plano, Texas, where it was founded in 2013. In recent developments, the company entered into an agreement in November 2025 to acquire the HECM servicing portfolio, certain reverse mortgage assets, and an origination pipeline from PHH Mortgage Corporation, a subsidiary of Onity Group Inc., for an undisclosed all-cash amount expected to close in the first quarter of 2026, subject to regulatory approvals; this transaction, funded primarily by warehouse financing and liquidity, aims to expand its servicing platform, integrate PHH origination team members, establish a subservicing agreement for operational continuity, and introduce HomeSafe Second to PHH's forward mortgage customers as a new distribution channel. Earlier in 2025, Finance of America Companies Inc. announced a strategic partnership with Better.com to broaden home equity offerings via the AI-powered Tinman platform, enhancing product accessibility and digital transformation efforts; the company also reported third quarter 2025 results reflecting improved adjusted earnings driven by home equity lending growth, reduced expenses, and a return to profitability in 2024 amid higher volumes and margins.

Company News

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

  • Finance of America Earns 2026 Great Place To Work CertificationTM

  • Finance of America Earns 2026 Great Place To Work CertificationTM

  • Finance of America Companies Q2 Earnings Call Highlights

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

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

  • Finance of America Reports Second Quarter 2026 Results

  • Implied Volatility Surging for Finance of America Stock Options

  • Finance of America Companies Inc. (FOA) Reports Next Week: Wall Street Expects Earnings Growth

  • Finance of America Announces Second Quarter 2026 Earnings Release and Conference Call on August 4, 2026

  • Finance of America Named to TIME's America's Best Companies 2026 List

  • Finance of America Creates Access to Home Equity through Product Expansion and AI-Powered Customer Experience

  • Finance of America Companies (FOA) Upgraded to Buy: What Does It Mean for the Stock?

  • Finance of America Completes Acquisition of Reverse Mortgage Assets from Onity

  • 3 Mortgage & Related Services Stocks to Watch Despite Industry Weakness

  • Strength Seen in Finance of America Companies (FOA): Can Its 11.8% Jump Turn into More Strength?

  • Finance of America Expands Leadership Team to Accelerate Growth and Innovation

  • Finance of America Expands Leadership Team to Accelerate Growth and Innovation

  • Kaskela Law LLC Announces Investigation of Finance of America Companies Inc. (FOA) and Encourages Long-Term FOA Shareholders to Contact the Firm

  • Finance of America Companies Inc. (FOA) Q1 2026 Earnings Call Transcript