Finance of America Companies (FOA)
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Finance of America Companies Inc. is a financial services business focused on home equity-based lending, with a particular emphasis on retirement finance. The company’s core offering is built around reverse mortgage products, including federally insured Home Equity Conversion Mortgages and proprietary non-agency loans. These products are designed for older homeowners who want to access the value of their homes without selling the property or taking on a traditional monthly mortgage payment.
Finance of America operates through Retirement Solutions and Portfolio Management. The Retirement Solutions segment originates loans, works with borrowers and distribution partners, and earns revenue from origination fees and gains recognized when loans are created and transferred. Its products sit within a specialised part of the mortgage market that is tied to demographics, home prices, interest rates, and retirement income needs.
The Portfolio Management segment supports the company’s capital markets activity after loans are originated. It manages securitizations, whole-loan sales, servicing-related income, risk management, and asset management functions. This side of the business is important because reverse mortgage assets are complex, long-duration instruments whose value can move with rates, prepayment behaviour, home price assumptions, and investor demand.
Unlike a conventional mortgage lender focused mainly on new home purchases or refinancing, Finance of America is positioned around the use of accumulated housing wealth in later life. Its business model combines consumer loan origination with capital markets execution, making its performance sensitive to both borrower demand and the market value of the mortgage assets it manages.
Last updated
- Market Cap
- 171.79M
- P/E
- 5.02
- P/FCF
- —
- P/S
- 5.87
- Enterprise Value
- 30.82B
- Sector
- Financials
- Industry
- Mortgage Bankers and Loan Correspondents
- Address
- 5830 GRANITE PARKWAY, PLANO, TX, 75024
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 171.79M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 30.82B
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 5.02
- P/B
P/B ratio compares a company's share price to its book value per share.
- 0.49
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 5.87
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- -96.11
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 1,053.31
- EPS
- 3.85
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 0.77%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- —
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- —
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- —
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 9.84%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 0.11%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 88.46
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 25.06
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 25.06
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 0.24
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 59.89K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 19.32
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 6.11M | 7.6M | 8.81M | 6.74M | 6.35M |
| Gross profit | 6.11M | 7.6M | 8.81M | 6.74M | 6.35M |
| Operating income | -99.25M | -81.91M | -95.78M | -82.32M | -80.02M |
| EBITDA | -99.25M | -43.32M | -95.78M | -82.32M | -80.02M |
| Net income | 16.38M | -7.59M | -9.52M | 34.92M | 30.21M |
| Basic EPS | 1.93 | -0.47 | -1.05 | 3.16 | 2.97 |
| Diluted EPS | 0.88 | -0.14 | -1.27 | 2.13 | 2.43 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 31.33B | 30.73B | 30.66B | 30.15B | 29.69B |
| Total liabilities | 30.89B | 30.34B | 30.29B | 29.67B | 29.29B |
| Total equity | 438.11M | 395.63M | 365.83M | 473.43M | 394.89M |
| Cash & equivalents | 107.66M | 89.5M | 109.79M | 46.48M | 52.02M |
| Current assets | 11.33B | 10.99B | 10.99B | 29.43B | 53.95M |
| Current liabilities | 452.2M | 460.66M | 485.47M | 523.29M | 519.87M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | -130.86M | -91.44M | -149.75M | -96.47M | -92.08M |
| Investing cash flow | 95.1M | 407.78M | 263.63M | 138M | 45.48M |
| Financing cash flow | 87.73M | -394.08M | 51.85M | -56.73M | -3.5M |
| Change in cash | 51.96M | -77.74M | 165.73M | -15.2M | -50.12M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 144 — Finance of America Companies Inc. | View Filing | |
| edgar index | 8-K — Finance of America Companies Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| form 4 | Form 4 — LIBMAN BRIAN L | View Filing | |
| form 4 | Form 4 — West Lance | View Filing | |
| form 4 | Form 4 — Essex Andrew | View Filing | |
| form 4 | Form 4 — Corio Norma | View Filing | |
| form 4 | Form 4 — Pratcher Tyson Anwar | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| form 4 | Form 4 — Gardner Cory | View Filing | |
| form 4 | Form 4 — LIBMAN BRIAN L | View Filing | |
| form 4 | Form 4 — LIBMAN BRIAN L | View Filing | |
| form 4 | Form 4 — LIBMAN BRIAN L | View Filing | |
| form 4 | Form 4 — LIBMAN BRIAN L | View Filing | |
| form 4 | Form 4 — West Lance | View Filing | |
| form 4 | Form 4 — West Lance | View Filing | |
| form 4 | Form 4 — Essex Andrew | View Filing | |
| form 4 | Form 4 — Essex Andrew | View Filing | |
| form 4 | Form 4 — Corio Norma | View Filing | |
| form 4 | Form 4 — Corio Norma | View Filing | |
| form 4 | Form 4 — Pratcher Tyson Anwar | View Filing | |
| form 4 | Form 4 — Pratcher Tyson Anwar | View Filing | |
| form 4 | Form 4 — Gardner Cory | View Filing | |
| form 4 | Form 4 — Gardner Cory | View Filing | |
| edgar index | SCHEDULE 13G/A — Finance of America Companies Inc. | View Filing | |
| edgar index | 10-Q — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | SCHEDULE 13D/A — Finance of America Companies Inc. | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| edgar index | 8-K — Finance of America Companies Inc. | View Filing | |
| edgar index | 8-K — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 144 — Finance of America Companies Inc. | View Filing | |
| form 4 | Form 4 — Sieffert Kristen N | View Filing | |
| edgar index | SCHEDULE 13D/A — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | SCHEDULE 13G/A — Finance of America Companies Inc. | View Filing | |
| edgar index | ARS — Finance of America Companies Inc. | View Filing | |
| edgar index | DEF 14A — Finance of America Companies Inc. | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 8-K — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| edgar index | 4 — Finance of America Companies Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 144 — Finance of America Companies Inc. | View Filing | |
| form 4 | Form 4 — Engel Matthew A | View Filing | |
| form 4 | Form 4 — Engel Matthew A | View Filing | |
| form 4 | Form 4 — Engel Matthew A | View Filing | |
| form 4 | Form 4 — Engel Matthew A | View Filing | |
| form 4 | Form 4 — Engel Matthew A | View Filing | |
| form 4 | Form 4 — Engel Matthew A | View Filing | |
| form 4 | Form 4 — Engel Matthew A | View Filing | |
| form 4 | Form 4 — Engel Matthew A | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing | |
| form 4 | Form 4 — Prahm Jeremy | View Filing |