Finance of America Companies Inc.

Finance of America Companies Inc.

FOA
Finance of America Companies Inc.US flagNew York Stock Exchange
23.12
USD
-0.05
- -
206.61MMarket Cap
Finance of America Companies Inc.
FOA
(New York Stock Exchange)

Recent

price

23.12

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
141.55
290.43
- -
-5.2
21.6
27.47
43.2
39.49
Revenue per Share
9.09
86.57
- -
-30.61
-9.77
1.57
4.72
3.44
Basic EPS, GAAP
16.17
-118.43
- -
224.18
-8.73
-43.02
-45.06
-51.34
Free Cash Flow per Basic Share
0.45
63.53
- -
- -
- -
- -
0.02
0.12
Dividend per Share
- -
- -
-73.02
-101.81
-87.14
-70.95
-68.54
-69.71
Book Value per Share
- -
51.63
8.59
2.03
1.52
10.08
22.65
29.35
Tangible Book Value per Share
6
6
6
6
8
10
10
9
Basic Weighted Avg Shares
848
1,739
- -
-32
177
271
412
360
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
19
19
- -
65
48
39
39
39
Depreciation Expense
54
518
- -
-191
-80
15
45
33
Net Income, GAAP
1.22
0.47
- -
- -
- -
5.6
3.11
3.94
Effective Tax Rate (%)
6.42
29.81
- -
588.89
-45.24
5.72
10.98
9.03
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
15,445
16,953
18,774
25,358
27,801
29,004
29,856
LT Debt
- -
628
1,083
405
272
316
396
438
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
817
1,188
899
LT Borrowings
29,261
28,979
29,856
LT Finance Leases
- -
26
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
9
Market Capitalization
226
231
151

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
110
90
108
Accounts Receivable, Net
16
26
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
35
- -
ST Debt
817
1,188
899
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
- -
- -
- -
- -

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
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

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

APIChatGPT
  • 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

  • Finance of America Reports First Quarter 2026 Results

  • Finance of America Announces First Quarter 2026 Earnings Release and Conference Call on May 5, 2026

  • 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 Expands Access to Its Industry-Leading HomeSafe Second Product

  • Finance of America Companies Inc. (FOA) Q4 2025 Earnings Call Transcript

  • Finance of America Reports Fourth Quarter and Full Year 2025 Results

  • FOA: For Our Attention Investigates Potential Breaches of Fiduciary Duty by Finance of America Companies Inc. Board of Directors

  • Finance of America Announces Fourth Quarter and Full Year 2025 Earnings Release and Conference Call on March 10, 2025

  • Finance of America: A Levered Bet On The $14T Senior Home Equity Market

  • Finance of America Companies Inc. (NYSE:FOA) Sees Large Decrease in Short Interest