FINANCE OF AMERICA COS INC-A (FOA) Fundamental Analysis & Valuation

NYSE:FOA • US31738L2060

Current stock price

21.95 USD
-0.02 (-0.09%)
At close:
21.95 USD
0 (0%)
After Hours:

This FOA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FOA Profitability Analysis

1.1 Basic Checks

  • FOA had positive earnings in the past year.
  • In the past year FOA has reported a negative cash flow from operations.
  • The reported net income has been mixed in the past 5 years: FOA reported negative net income in multiple years.
  • FOA had negative operating cash flow in 4 of the past 5 years.
FOA Yearly Net Income VS EBIT VS OCF VS FCFFOA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B 1.5B

1.2 Ratios

  • FOA has a worse Return On Assets (0.16%) than 70.71% of its industry peers.
  • FOA's Return On Equity of 14.83% is fine compared to the rest of the industry. FOA outperforms 76.77% of its industry peers.
  • FOA has a Return On Invested Capital of 5.43%. This is in the better half of the industry: FOA outperforms 69.70% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FOA is below the industry average of 8.00%.
  • The last Return On Invested Capital (5.43%) for FOA is above the 3 year average (5.07%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.16%
ROE 14.83%
ROIC 5.43%
ROA(3y)-0.03%
ROA(5y)-0.43%
ROE(3y)-4.26%
ROE(5y)-30.56%
ROIC(3y)5.07%
ROIC(5y)N/A
FOA Yearly ROA, ROE, ROICFOA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0 0 0 0 0 0 0

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.16%, FOA is doing worse than 67.68% of the companies in the same industry.
  • FOA's Profit Margin has declined in the last couple of years.
  • With an excellent Operating Margin value of 83.47%, FOA belongs to the best of the industry, outperforming 98.99% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FOA has grown nicely.
  • With an excellent Gross Margin value of 96.15%, FOA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
OM 83.47%
PM (TTM) 2.16%
GM 96.15%
OM growth 3YN/A
OM growth 5Y10.73%
PM growth 3YN/A
PM growth 5Y-37.33%
GM growth 3YN/A
GM growth 5YN/A
FOA Yearly Profit, Operating, Gross MarginsFOA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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2

2. FOA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so FOA is creating value.
  • FOA has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FOA has been reduced compared to 5 years ago.
  • The debt/assets ratio for FOA has remained at the same level compared to a year ago.
FOA Yearly Shares OutstandingFOA Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
FOA Yearly Total Debt VS Total AssetsFOA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • Based on the Altman-Z score of 0.11, we must say that FOA is in the distress zone and has some risk of bankruptcy.
  • FOA has a Altman-Z score (0.11) which is in line with its industry peers.
  • A Debt/Equity ratio of 82.00 is on the high side and indicates that FOA has dependencies on debt financing.
  • With a Debt to Equity ratio value of 82.00, FOA is not doing good in the industry: 92.93% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 82
Debt/FCF N/A
Altman-Z 0.11
ROIC/WACC3.08
WACC1.76%
FOA Yearly LT Debt VS Equity VS FCFFOA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B 20B 25B

2.3 Liquidity

  • A Current Ratio of 0.10 indicates that FOA may have some problems paying its short term obligations.
  • The Current ratio of FOA (0.10) is worse than 76.77% of its industry peers.
  • FOA has a Quick Ratio of 0.10. This is a bad value and indicates that FOA is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.10, FOA is doing worse than 76.77% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.1
Quick Ratio 0.1
FOA Yearly Current Assets VS Current LiabilitesFOA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FOA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 483.02% over the past year.
  • FOA shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -34.21% yearly.
  • The Revenue has been growing slightly by 2.80% in the past year.
  • Measured over the past years, FOA shows a decrease in Revenue. The Revenue has been decreasing by -0.85% on average per year.
EPS 1Y (TTM)483.02%
EPS 3YN/A
EPS 5Y-34.21%
EPS Q2Q%228.57%
Revenue 1Y (TTM)2.8%
Revenue growth 3Y14.91%
Revenue growth 5Y-0.85%
Sales Q2Q%169.6%

3.2 Future

  • Based on estimates for the next years, FOA will show a very negative growth in Earnings Per Share. The EPS will decrease by -73.49% on average per year.
  • Based on estimates for the next years, FOA will show a quite strong growth in Revenue. The Revenue will grow by 10.54% on average per year.
EPS Next Y-224.53%
EPS Next 2Y-73.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.3%
Revenue Next 2Y10.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FOA Yearly Revenue VS EstimatesFOA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
FOA Yearly EPS VS EstimatesFOA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -20 -40

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3

4. FOA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.10 indicates a rather cheap valuation of FOA.
  • Based on the Price/Earnings ratio, FOA is valued cheaply inside the industry as 81.82% of the companies are valued more expensively.
  • FOA is valuated cheaply when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
  • FOA is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE 7.1
Fwd PE N/A
FOA Price Earnings VS Forward Price EarningsFOA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FOA is on the same level as its industry peers.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 15.99
FOA Per share dataFOA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 200

4.3 Compensation for Growth

  • FOA's earnings are expected to decrease with -73.49% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-73.49%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FOA Dividend Analysis

5.1 Amount

  • FOA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

FOA Fundamentals: All Metrics, Ratios and Statistics

FINANCE OF AMERICA COS INC-A

NYSE:FOA (4/16/2026, 8:04:00 PM)

After market: 21.95 0 (0%)

21.95

-0.02 (-0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-10
Earnings (Next)05-04
Inst Owners41.28%
Inst Owner Change0%
Ins Owners24.31%
Ins Owner Change17.37%
Market Cap187.67M
Revenue(TTM)2.22B
Net Income(TTM)48.03M
Analysts45
Price Target22.95 (4.56%)
Short Float %11.21%
Short Ratio6.7
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP0.41%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)50.82%
Min EPS beat(2)5.1%
Max EPS beat(2)96.54%
EPS beat(4)3
Avg EPS beat(4)28.37%
Min EPS beat(4)-10.73%
Max EPS beat(4)96.54%
EPS beat(8)6
Avg EPS beat(8)97.18%
EPS beat(12)6
Avg EPS beat(12)-23.54%
EPS beat(16)6
Avg EPS beat(16)-42.21%
Revenue beat(2)0
Avg Revenue beat(2)-27.47%
Min Revenue beat(2)-33.49%
Max Revenue beat(2)-21.45%
Revenue beat(4)2
Avg Revenue beat(4)29.69%
Min Revenue beat(4)-33.49%
Max Revenue beat(4)92.73%
Revenue beat(8)5
Avg Revenue beat(8)26.41%
Revenue beat(12)6
Avg Revenue beat(12)16.29%
Revenue beat(16)7
Avg Revenue beat(16)13.77%
PT rev (1m)-23.73%
PT rev (3m)-23.73%
EPS NQ rev (1m)-250.57%
EPS NQ rev (3m)-250.57%
EPS NY rev (1m)-188.6%
EPS NY rev (3m)-188.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 7.1
Fwd PE N/A
P/S 0.08
P/FCF N/A
P/OCF N/A
P/B 0.58
P/tB 1.3
EV/EBITDA 15.99
EPS(TTM)3.09
EY14.08%
EPS(NY)-3.85
Fwd EYN/A
FCF(TTM)-50.26
FCFYN/A
OCF(TTM)-50.26
OCFYN/A
SpS259.75
BVpS37.88
TBVpS16.87
PEG (NY)N/A
PEG (5Y)N/A
Graham Number51.3185 (133.8%)
Profitability
Industry RankSector Rank
ROA 0.16%
ROE 14.83%
ROCE 6.88%
ROIC 5.43%
ROICexc 5.45%
ROICexgc 5.48%
OM 83.47%
PM (TTM) 2.16%
GM 96.15%
FCFM N/A
ROA(3y)-0.03%
ROA(5y)-0.43%
ROE(3y)-4.26%
ROE(5y)-30.56%
ROIC(3y)5.07%
ROIC(5y)N/A
ROICexc(3y)5.08%
ROICexc(5y)N/A
ROICexgc(3y)5.13%
ROICexgc(5y)N/A
ROCE(3y)6.42%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y2.37%
ROICexc growth 3YN/A
ROICexc growth 5Y2.38%
OM growth 3YN/A
OM growth 5Y10.73%
PM growth 3YN/A
PM growth 5Y-37.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 82
Debt/FCF N/A
Debt/EBITDA 14.03
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.97
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.1
Quick Ratio 0.1
Altman-Z 0.11
F-Score3
WACC1.76%
ROIC/WACC3.08
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)483.02%
EPS 3YN/A
EPS 5Y-34.21%
EPS Q2Q%228.57%
EPS Next Y-224.53%
EPS Next 2Y-73.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.8%
Revenue growth 3Y14.91%
Revenue growth 5Y-0.85%
Sales Q2Q%169.6%
Revenue Next Year14.3%
Revenue Next 2Y10.54%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y4.46%
EBIT growth 3YN/A
EBIT growth 5Y9.78%
EBIT Next Year-91.52%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1.4%
OCF growth 3YN/A
OCF growth 5YN/A

FINANCE OF AMERICA COS INC-A / FOA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FINANCE OF AMERICA COS INC-A?

ChartMill assigns a fundamental rating of 3 / 10 to FOA.


Can you provide the valuation status for FINANCE OF AMERICA COS INC-A?

ChartMill assigns a valuation rating of 3 / 10 to FINANCE OF AMERICA COS INC-A (FOA). This can be considered as Overvalued.


How profitable is FINANCE OF AMERICA COS INC-A (FOA) stock?

FINANCE OF AMERICA COS INC-A (FOA) has a profitability rating of 4 / 10.


What are the PE and PB ratios of FINANCE OF AMERICA COS INC-A (FOA) stock?

The Price/Earnings (PE) ratio for FINANCE OF AMERICA COS INC-A (FOA) is 7.1 and the Price/Book (PB) ratio is 0.58.


How financially healthy is FINANCE OF AMERICA COS INC-A?

The financial health rating of FINANCE OF AMERICA COS INC-A (FOA) is 2 / 10.