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Financial Services - Financial - Credit Services - NYSE - US
$ 19.74
1.96 %
$ 211 M
Market Cap
14.51
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FOA stock under the worst case scenario is HIDDEN Compared to the current market price of 19.7 USD, Finance Of America Companies Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FOA stock under the base case scenario is HIDDEN Compared to the current market price of 19.7 USD, Finance Of America Companies Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one FOA stock under the best case scenario is HIDDEN Compared to the current market price of 19.7 USD, Finance Of America Companies Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FOA

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$35.0$35.0$30.0$30.0$25.0$25.0$20.0$20.0$15.0$15.0$10.0$10.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
338 M REVENUE
44.36%
40.4 M OPERATING INCOME
173.93%
35.7 M NET INCOME
144.56%
-424 M OPERATING CASH FLOW
-492.19%
115 M INVESTING CASH FLOW
-27.40%
386 M FINANCING CASH FLOW
377.39%
-128 M REVENUE
-44.23%
0 OPERATING INCOME
0.00%
-143 M NET INCOME
-71.81%
-106 M OPERATING CASH FLOW
-30.52%
-30.8 M INVESTING CASH FLOW
43.66%
219 M FINANCING CASH FLOW
99.31%
Balance Sheet Finance Of America Companies Inc.
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Current Assets 47.4 M
Cash & Short-Term Investments 47.4 M
Receivables 0
Other Current Assets 0
Non-Current Assets 216 M
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 216 M
17.97 %82.03 %Total Assets$263.7m
Current Liabilities 932 M
Accounts Payable 0
Short-Term Debt 918 M
Other Current Liabilities 14 M
Non-Current Liabilities 27.4 B
Long-Term Debt 27.4 B
Other Non-Current Liabilities 0
3.24 %96.71 %Total Liabilities$28.4b
EFFICIENCY
Earnings Waterfall Finance Of America Companies Inc.
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Revenue 338 M
Cost Of Revenue 0
Gross Profit 338 M
Operating Expenses 271 M
Operating Income 40.4 M
Other Expenses 4.73 M
Net Income 35.7 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00338m0338m(271m)40m(5m)36mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
11.95% OPERATING MARGIN
11.95%
4.58% NET MARGIN
4.58%
4.91% ROE
4.91%
0.05% ROA
0.05%
15.28% ROIC
15.28%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Finance Of America Companies Inc.
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2b2b1b1b500m500m00(500m)(500m)(1b)(1b)2018201820192019202020202021202120222022202320232024202420252025
Net Income 35.7 M
Depreciation & Amortization 38.9 M
Capital Expenditures 0
Stock-Based Compensation 8.81 M
Change in Working Capital -59.1 M
Others -505 M
Free Cash Flow -424 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
5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership Finance Of America Companies Inc.
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Sold
0-3 MONTHS
57.2 K USD 2
3-6 MONTHS
1.49 M USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
110 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Finance of America Promotes Jonathan Scarpati to Chief Production Officer PLANO, Texas--(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 and a part of Finance of America Companies Inc. (NYSE: FOA), announced the promotion of Jonathan Scarpati to Chief Production Officer. This new strategic position will strengthen FOA's leadership in an area that is essential to the company's long-term growth plans and further its efforts to make home equity for. businesswire.com - 2 weeks ago
FOA Appoints New Board Members Andrew Essex and Cory Gardner PLANO, Texas--(BUSINESS WIRE)--Finance of America Companies Inc. (“FOA” or the “Company”) (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, today announced the appointment of Andrew Essex and former U.S. Senator Cory Gardner to its Board of Directors. Their addition brings a wealth of expertise in marketing, public policy, and strategic growth, further strengthening the Company's leadership as it continues to expand its impact on senior homeowners. businesswire.com - 1 month ago
Finance of America's Turnaround Is In Full Progress Finance of America Companies Inc. focuses on reverse mortgage loans, capitalizing on the growing senior market and significant home equity among older Americans. The company has streamlined its business to concentrate on retirement solutions, showing strong growth in reverse mortgage originations and introducing new products like hybrid mortgage loans. The acquisition of American Advisors Group (AAG/Bloom) has bolstered its market position, expanded distribution channels, and enhanced revenue margins, driving profitability. seekingalpha.com - 1 month ago
Finance of America Companies, Inc. (FOA) Q4 2024 Earnings Call Transcript Finance of America Companies, Inc. (NYSE:FOA ) Q4 2024 Earnings Conference Call March 11, 2025 5:00 PM ET Company Participants Michael Fant - SVP, Finance Graham Fleming - CEO Kristen Sieffert - President Matt Engel - CFO Conference Call Participants Stephen Laws - Raymond James Operator Thank you for standing by. My name is Celine, and I'll be your conference operator today. seekingalpha.com - 1 month ago
Finance of America Companies Inc. (FOA) Q4 Earnings and Revenues Miss Estimates Finance of America Companies Inc. (FOA) came out with quarterly earnings of $0.21 per share, missing the Zacks Consensus Estimate of $0.45 per share. This compares to loss of $0.90 per share a year ago. zacks.com - 1 month ago
Finance of America Reports Fourth Quarter and Full Year 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 and year ended December 31, 2024. Full Year 2024 Highlights(1) Net income from continuing operations of $40 million or $1.78 basic earnings per share for the year. Adjusted net income(2) of $14 million or $0.60 adjusted earnings per share for the year. businesswire.com - 1 month ago
Finance of America Announces Strategic Leadership Additions to Drive Digital Innovation in Home Equity Retirement Solutions PLANO, Texas--(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 and a part of Finance of America Companies Inc. (NYSE: FOA), announced two key executive hires to accelerate its strategy of redefining the reverse mortgage market through digital transformation. These strategic appointments reinforce Finance of America's commitment to modernizing a corner of the mortgage indus. businesswire.com - 1 month ago
Finance of America Announces Fourth Quarter and Full Year 2024 Earnings Release and Conference Call on March 11, 2025 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 fourth quarter and full year ended December 31, 2024 after market closing on Tuesday, March 11, 2025. 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 th. businesswire.com - 1 month ago
3 Mortgage & Related Services Stocks to Watch Despite Industry Woes While volatile mortgage rates and declining purchase originations will likely hurt the Zacks Mortgage & Related Services industry, companies like PFSI, TREE and FOA are well-poised to navigate the challenges. zacks.com - 2 months ago
Fast-paced Momentum Stock Finance of America Companies (FOA) Is Still Trading at a Bargain Finance of America Companies (FOA) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices. zacks.com - 3 months ago
Best Momentum Stocks to Buy for December 12th ZIM, OMCL and FOA made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on December 12, 2024. zacks.com - 4 months ago
Earnings Estimates Moving Higher for Finance of America Companies (FOA): Time to Buy? Finance of America Companies (FOA) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 4 months ago
8. Profile Summary

Finance Of America Companies Inc. FOA

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 211 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 751
Officers Mr. Joe Hullinger President of Finance of America Commercial LLC Mr. Matthew A. Engel CPA Chief Financial Officer Mr. Brian Conneen Chief Information Officer Ms. Lauren E. Richmond Chief Legal Officer, General Counsel & Secretary Mr. Michael Fant Senior Vice President of Finance Mr. Karime Benaissa Chief Customer Officer Mr. Tai A. Thornock Chief Accounting Officer