FOA - NYSE

Finance Of America Companies Inc.

Finance Of America Companies Inc.

FOAยทNYSE

$19.09

+0.93%
Financial ServicesFinancial - Credit Services

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$169.74M
EPS4.7200
P/E Ratio4.04
Earnings Date08/04/2026
Finance Of America Companies Inc.

Finance Of America Companies Inc. Fair Value Envelope

FOA ยท NYSE

Our analysis suggests that FOA has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $19.09, this represents a potential HIDDEN relative to our calculated worth for Finance Of America Companies Inc..

HIDDEN
Intrinsic Value
Current Price: $19.09

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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$
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$
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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$2.7B
+ Cash & Equivalents$324.6M
Firm Value-$2.4B
- Debt$30.2B
Equity Value-$32.6B
/ Shares Outstanding11,078,903B
DCF Value-$2.9K
OVERVALUED BY 15503%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$423.7M
-$417.8M
-$412.0M
-$406.2M
-$400.5M
-$394.9M
-$389.4M
-$383.9M
-$378.6M
-$373.3M
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
-$423.7M
-$417.8M
-$412.0M
-$406.2M
-$400.5M
-$394.9M
-$389.4M
-$383.9M
-$378.6M
-$373.3M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$392.3M
-$358.2M
-$327.0M
-$298.6M
-$272.6M
-$248.9M
-$227.2M
-$207.4M
-$189.4M
-$172.9M
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.

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