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Financial Services - Financial - Credit Services - NYSE - US
$ 21.41
4.34 %
$ 213 M
Market Cap
1.32
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one FOA stock under the base case scenario is HIDDEN Compared to the current market price of 21.4 USD, Finance Of America Companies Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FOA

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FINANCIALS
177 M REVENUE
-69.12%
-54.7 M OPERATING INCOME
37.46%
-80.1 M NET INCOME
88.81%
-71.6 M OPERATING CASH FLOW
-5.08%
158 M INVESTING CASH FLOW
108.69%
-139 M FINANCING CASH FLOW
-61.82%
290 M REVENUE
-40.34%
204 M OPERATING INCOME
-51.22%
199 M NET INCOME
10111.29%
-206 M OPERATING CASH FLOW
-97.76%
96.1 M INVESTING CASH FLOW
-36.25%
66 M FINANCING CASH FLOW
250.92%
Balance Sheet Decomposition Finance Of America Companies Inc.
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Current Assets 46.5 M
Cash & Short-Term Investments 46.5 M
Receivables 104 M
Other Current Assets -104 M
Non-Current Assets 254 M
Long-Term Investments 0
PP&E 29.4 M
Other Non-Current Assets 224 M
Current Liabilities 2.46 B
Accounts Payable 0
Short-Term Debt 2.29 B
Other Current Liabilities 174 M
Non-Current Liabilities 44.8 B
Long-Term Debt 25.4 B
Other Non-Current Liabilities 19.4 B
EFFICIENCY
Earnings Waterfall Finance Of America Companies Inc.
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Revenue 177 M
Cost Of Revenue 0
Gross Profit 177 M
Operating Expenses 289 M
Operating Income -54.7 M
Other Expenses 25.4 M
Net Income -80.1 M
RATIOS
100.00% GROSS MARGIN
100.00%
-30.88% OPERATING MARGIN
-30.88%
-45.24% NET MARGIN
-45.24%
-34.48% ROE
-34.48%
-0.30% ROA
-0.30%
-0.20% ROIC
-0.20%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Finance Of America Companies Inc.
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Net Income -80.1 M
Depreciation & Amortization 47.5 M
Capital Expenditures 0
Stock-Based Compensation 24.7 M
Change in Working Capital 33.8 M
Others -63.7 M
Free Cash Flow -71.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Finance Of America Companies Inc.
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FOA has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Finance Of America Companies Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 year ago
Mar 31, 2023
Bought 4.29 M USD
Blackstone Holdings III L.P.
10 percent owner
+ 3109235
1.38 USD
1 year ago
Mar 31, 2023
Bought 10.6 M USD
Blackstone Holdings III L.P.
10 percent owner
+ 7717103
1.38 USD
1 year ago
Mar 31, 2023
Bought 59.7 K USD
Blackstone Holdings III L.P.
10 percent owner
+ 43228
1.38 USD
1 year ago
Mar 31, 2023
Bought 4.29 M USD
Blackstone Tactical Opportunities Associates - NQ L.L.C.
10 percent owner
+ 3109235
1.38 USD
1 year ago
Mar 31, 2023
Bought 10.6 M USD
Blackstone Tactical Opportunities Associates - NQ L.L.C.
10 percent owner
+ 7717103
1.38 USD
1 year ago
Mar 31, 2023
Bought 59.7 K USD
Blackstone Tactical Opportunities Associates - NQ L.L.C.
10 percent owner
+ 43228
1.38 USD
1 year ago
Mar 31, 2023
Bought 4.29 M USD
BTO Urban Holdings L.L.C.
10 percent owner
+ 3109235
1.38 USD
1 year ago
Mar 31, 2023
Bought 10.6 M USD
BTO Urban Holdings L.L.C.
10 percent owner
+ 7717103
1.38 USD
1 year ago
Mar 31, 2023
Bought 59.7 K USD
BTO Urban Holdings L.L.C.
10 percent owner
+ 43228
1.38 USD
1 year ago
Mar 31, 2023
Bought 4.29 M USD
Blackstone Tactical Opportunities Fund - U - NQ L.L.C.
10 percent owner
+ 3109235
1.38 USD
1 year ago
Mar 31, 2023
Bought 10.6 M USD
Blackstone Tactical Opportunities Fund - U - NQ L.L.C.
10 percent owner
+ 7717103
1.38 USD
1 year ago
Mar 31, 2023
Bought 59.7 K USD
Blackstone Tactical Opportunities Fund - U - NQ L.L.C.
10 percent owner
+ 43228
1.38 USD
2 years ago
Jun 06, 2022
Bought 6.6 K USD
SAFRA EDMOND
director:
+ 3792
1.74 USD
2 years ago
Dec 15, 2021
Sell 6.2 M USD
D1 Capital Partners L.P.
10 percent owner
- 1494201
4.1502 USD
2 years ago
Dec 15, 2021
Sell 5.58 M USD
D1 Capital Partners L.P.
10 percent owner
- 485649
11.5 USD
3 years ago
Apr 01, 2021
Sell 6.38 M USD
D1 Capital Partners L.P.
10 percent owner
- 625000
10.2025 USD
3 years ago
May 10, 2021
Sell 158 K USD
D1 Capital Partners L.P.
10 percent owner
- 14551
10.8479 USD
3 years ago
May 10, 2021
Sell 53.2 K USD
D1 Capital Partners L.P.
10 percent owner
- 5000
10.63 USD
3 years ago
May 19, 2021
Sell 582 K USD
D1 Capital Partners L.P.
10 percent owner
- 55449
10.5008 USD
3 years ago
May 20, 2021
Sell 1.49 M USD
D1 Capital Partners L.P.
10 percent owner
- 141596
10.5 USD
3 years ago
May 21, 2021
Sell 1.66 M USD
D1 Capital Partners L.P.
10 percent owner
- 158404
10.5 USD
3 years ago
Jun 01, 2021
Sell 60.9 K USD
D1 Capital Partners L.P.
10 percent owner
- 5799
10.5 USD
3 years ago
May 10, 2021
Sell 6.9 M USD
D1 Capital Partners L.P.
10 percent owner
- 600000
11.5 USD
3 years ago
May 10, 2021
Sell 150 K USD
D1 Capital Partners L.P.
10 percent owner
- 13025
11.5 USD
3 years ago
May 19, 2021
Sell 425 K USD
D1 Capital Partners L.P.
10 percent owner
- 36975
11.5 USD
3 years ago
May 20, 2021
Sell 1.19 M USD
D1 Capital Partners L.P.
10 percent owner
- 103774
11.5 USD
3 years ago
Jun 15, 2021
Sell 71.6 K USD
D1 Capital Partners L.P.
10 percent owner
- 6226
11.5 USD
3 years ago
Jun 17, 2021
Sell 50 K USD
D1 Capital Partners L.P.
10 percent owner
- 4351
11.5 USD
3 years ago
Sep 01, 2021
Bought 108 K USD
Cook Patricia
Chief Executive Officer
+ 20000
5.39 USD
3 years ago
Aug 19, 2021
Bought 104 K USD
Fleming Graham
President
+ 20000
5.2 USD
3 years ago
Aug 19, 2021
Bought 110 K USD
LIBMAN BRIAN L
director, 10 percent owner:
+ 21660
5.07 USD
3 years ago
Aug 18, 2021
Bought 537 K USD
LIBMAN BRIAN L
director, 10 percent owner:
+ 102860
5.22 USD
3 years ago
Aug 19, 2021
Bought 38.6 K USD
LIBMAN BRIAN L
director, 10 percent owner:
+ 7611
5.07 USD
3 years ago
Aug 18, 2021
Bought 189 K USD
LIBMAN BRIAN L
director, 10 percent owner:
+ 36140
5.22 USD
3 years ago
Aug 17, 2021
Bought 237 K USD
LIBMAN BRIAN L
director, 10 percent owner:
+ 45241
5.24 USD
3 years ago
Aug 16, 2021
Bought 371 K USD
LIBMAN BRIAN L
director, 10 percent owner:
+ 71969
5.16 USD
3 years ago
Aug 17, 2021
Bought 83.3 K USD
LIBMAN BRIAN L
director, 10 percent owner:
+ 15896
5.24 USD
3 years ago
Aug 16, 2021
Bought 130 K USD
LIBMAN BRIAN L
director, 10 percent owner:
+ 25287
5.16 USD
3 years ago
Aug 16, 2021
Bought 50.2 K USD
Gericke Johan
EVP, Chief Financial Officer
+ 10000
5.02 USD
7. News
Finance of America Companies Inc. (FOA) Tops Q3 Earnings Estimates Finance of America Companies Inc. (FOA) came out with quarterly earnings of $0.67 per share, beating the Zacks Consensus Estimate of $0.13 per share. This compares to loss of $1.10 per share a year ago. zacks.com - 1 week ago
Finance of America Reports Third Quarter 2024 Results PLANO, Texas--(BUSINESS WIRE)--Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, reported financial results for the quarter ended September 30, 2024. Third Quarter 2024 Highlights(1) Net income from continuing operations of $204 million or $8.48 basic earnings per share for the quarter. Adjusted net income(2) of $15 million or $0.67 adjusted earnings per share for the quarte. businesswire.com - 1 week ago
Finance of America Announces a Nearly 98% Participation Rate in the Exchange Offer and Consent Solicitation for Existing 2025 Unsecured Notes PLANO, Texas--(BUSINESS WIRE)--Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, is pleased to announce that holders of $342,622,000 aggregate principal amount (97.892%) of the outstanding 7.875% Senior Notes due 2025 (the “2025 Unsecured Notes”) of its subsidiary Finance of America Funding LLC (“FOA Funding”) have elected to participate, as of 5:00 P.M., New York City time,. businesswire.com - 2 weeks ago
Finance of America Announces Third Quarter 2024 Earnings Release and Conference Call on November 6, 2024 PLANO, Texas--(BUSINESS WIRE)--Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, today announced that it will release results for the third quarter ended September 30, 2024 after market closing on Wednesday, November 6, 2024. Webcast and Earnings Conference Call Management will host a webcast and conference call on the same day at 5:00 pm Eastern Time to discuss the Company'. businesswire.com - 3 weeks ago
Finance of America Companies Inc. (FOA) Reports Q2 Loss, Tops Revenue Estimates Finance of America Companies Inc. (FOA) came out with a quarterly loss of $0.05 per share versus the Zacks Consensus Estimate of a loss of $0.20. This compares to loss of $1.20 per share a year ago. zacks.com - 3 months ago
Finance of America Announces Exchange Offer Support Agreement with Unsecured Corporate Noteholders PLANO, Texas--(BUSINESS WIRE)--Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, today announced that certain of its direct and indirect subsidiaries, including Finance of America Funding LLC (“FOA Funding”), entered into an agreement (the “Exchange Offer Support Agreement”) with certain holders representing approximately 71.1% of FOA Funding's outstanding unsecured Senior N. businesswire.com - 4 months ago
Finance of America Companies Inc. (FOA) Q1 2024 Earnings Call Transcript Finance of America Companies Inc. (NYSE:FOA ) Q1 2024 Results Conference Call May 6, 2024 5:00 PM ET Company Participants Michael Fant - SVP, Finance Graham Fleming - CEO Kristen Sieffert - President Matt Engel - CFO Conference Call Participants Douglas Harter - UBS Stephen Laws - Raymond James Operator Hello. Thank you for standing by. seekingalpha.com - 6 months ago
Finance of America Reports First Quarter 2024 Results PLANO, Texas--(BUSINESS WIRE)--Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a modern retirement solutions platform, reported financial results for the quarter ended March 31, 2024. First Quarter 2024 Highlights Net loss from continuing operations for the first quarter of $16 million or $0.06 basic loss per share. For the quarter, the Company recognized an adjusted net loss(1) of $7 million or $0.03 per share. 69% improvement on a pre-tax basis in Retire. businesswire.com - 6 months ago
Finance of America Unifies FAR, AAG Under Single Brand TULSA, Okla.--(BUSINESS WIRE)--Finance of America Reverse LLC (“Finance of America” or the “Company”), a leading provider of home equity-based financing solutions for a modern retirement, today announced plans to consolidate its American Advisors Group (AAG) and Finance of America Reverse (FAR) brands under the single brand name, Finance of America. The change is generally expected to take effect in the third quarter of 2024 and will remain subject to regulatory considerations in certain jurisd. businesswire.com - 6 months ago
Finance of America Companies Inc. (FOA) May Report Negative Earnings: Know the Trend Ahead of Next Week's Release Finance of America Companies (FOA) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 6 months ago
Finance of America Announces First Quarter 2024 Earnings Release and Conference Call on May 6, 2024 PLANO, Texas--(BUSINESS WIRE)--Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a modern retirement solutions platform, today announced that it will release results for the first quarter ended March 31, 2024 after market closing on Monday, May 6, 2024. Webcast and Earnings Conference Call Management will host a webcast and conference call on the same day at 5:00 pm Eastern Time to discuss the Company's results for the first quarter ended March 31, 2024. A c. businesswire.com - 6 months ago
Finance of America Companies Inc. (FOA) Q4 2023 Earnings Call Transcript Finance of America Companies Inc. (NYSE:FOA ) Q4 2023 Earnings Conference Call March 6, 2024 5:00 PM ET Company Participants Michael Fant - Senior Vice President of Finance Graham Fleming - Chief Executive Officer Kristen Sieffert - President Matthew Engel - Chief Financial Officer Conference Call Participants Stephen Laws - Raymond James Cory Johnson - UBS Lee Cooperman - Omega Family Office Operator Ladies and gentlemen, thank you, for standing by. My name is [Natalie], and I will be your conference operator today. seekingalpha.com - 8 months ago
8. Profile Summary

Finance Of America Companies Inc. FOA

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 213 M
Dividend Yield 0.00%
Description 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.
Contact 909 Lake Carolyn Parkway, Irving, TX, 75039 https://www.financeofamerica.com
IPO Date April 18, 2019
Employees 933
Officers Ms. Lauren E. Richmond Chief Legal Officer, General Counsel & Secretary Mr. Michael Fant Senior Vice President of Finance Mr. Matthew A. Engel CPA Chief Financial Officer Mr. Joe Hullinger President of Finance of America Commercial LLC Mr. Brian L. Libman Founder & Chairman of the Board Mr. Graham A. Fleming Chief Executive Officer Ms. Kristen N. Sieffert President Mr. Jeremy E. Prahm Chief Investment Officer Mr. Tai A. Thornock Chief Accounting Officer