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

NYSE:FOA • US31738L2060

19.35 USD
-0.41 (-2.07%)
At close: Feb 27, 2026
19.348 USD
0 (-0.01%)
After Hours: 2/27/2026, 8:04:06 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FOA. FOA was compared to 97 industry peers in the Financial Services industry. Both the profitability and financial health of FOA have multiple concerns. FOA may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

3

1. Profitability

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.
  • In the past 5 years FOA reported 4 times negative operating cash flow.
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 0 500M -500M 1B 1.5B

1.2 Ratios

  • The Return On Assets of FOA (-0.01%) is worse than 70.41% of its industry peers.
  • Looking at the Return On Equity, with a value of -1.23%, FOA is doing worse than 71.43% of the companies in the same industry.
  • FOA has a better Return On Invested Capital (4.98%) than 67.35% of its industry peers.
Industry RankSector Rank
ROA -0.01%
ROE -1.23%
ROIC 4.98%
ROA(3y)-0.39%
ROA(5y)0.07%
ROE(3y)-34.5%
ROE(5y)-17.17%
ROIC(3y)N/A
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 0 0 0 0 0 0 0 0 0 0 0

1.3 Margins

  • In the last couple of years the Profit Margin of FOA has declined.
  • FOA has a Operating Margin of 83.33%. This is amongst the best in the industry. FOA outperforms 98.98% of its industry peers.
  • FOA's Operating Margin has improved in the last couple of years.
  • FOA has a better Gross Margin (95.79%) than 100.00% of its industry peers.
Industry RankSector Rank
OM 83.33%
PM (TTM) N/A
GM 95.79%
OM growth 3Y32.26%
OM growth 5Y10.01%
PM growth 3YN/A
PM growth 5Y-28.15%
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 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FOA is creating value.
  • FOA has more 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 is higher compared to a year ago.
FOA Yearly Shares OutstandingFOA Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B 20B 25B

2.2 Solvency

  • Based on the Altman-Z score of 0.19, we must say that FOA is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.19, FOA is in line with its industry, outperforming 46.94% of the companies in the same industry.
  • A Debt/Equity ratio of 101.21 is on the high side and indicates that FOA has dependencies on debt financing.
  • The Debt to Equity ratio of FOA (101.21) is worse than 91.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 101.21
Debt/FCF N/A
Altman-Z 0.19
ROIC/WACC3.75
WACC1.33%
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 0 5B 10B 15B 20B 25B

2.3 Liquidity

  • A Current Ratio of 0.24 indicates that FOA may have some problems paying its short term obligations.
  • FOA has a worse Current ratio (0.24) than 68.37% of its industry peers.
  • A Quick Ratio of 0.24 indicates that FOA may have some problems paying its short term obligations.
  • The Quick ratio of FOA (0.24) is worse than 67.35% of its industry peers.
Industry RankSector Rank
Current Ratio 0.24
Quick Ratio 0.24
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 500M 1B 1.5B 2B 2.5B

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

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 550.00% over the past year.
  • Measured over the past 5 years, FOA shows a small growth in Earnings Per Share. The EPS has been growing by 0.78% on average per year.
  • Looking at the last year, FOA shows a very strong growth in Revenue. The Revenue has grown by 97.74%.
  • Measured over the past years, FOA shows a quite strong growth in Revenue. The Revenue has been growing by 8.26% on average per year.
EPS 1Y (TTM)550%
EPS 3YN/A
EPS 5Y0.78%
EPS Q2Q%98.51%
Revenue 1Y (TTM)97.74%
Revenue growth 3Y0.73%
Revenue growth 5Y8.26%
Sales Q2Q%-72.13%

3.2 Future

  • FOA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 112.28% yearly.
  • FOA is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.56% yearly.
EPS Next Y471.7%
EPS Next 2Y186.26%
EPS Next 3Y112.28%
EPS Next 5YN/A
Revenue Next Year-19.52%
Revenue Next 2Y-4.09%
Revenue Next 3Y-0.56%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.41 indicates a rather cheap valuation of FOA.
  • FOA's Price/Earnings ratio is a bit cheaper when compared to the industry. FOA is cheaper than 78.57% of the companies in the same industry.
  • FOA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
  • Based on the Price/Forward Earnings ratio of 4.46, the valuation of FOA can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FOA indicates a rather cheap valuation: FOA is cheaper than 93.88% of the companies listed in the same industry.
  • FOA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 7.41
Fwd PE 4.46
FOA Price Earnings VS Forward Price EarningsFOA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • FOA's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 16.12
FOA Per share dataFOA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100 150 200

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FOA's earnings are expected to grow with 112.28% in the coming years.
PEG (NY)0.02
PEG (5Y)9.48
EPS Next 2Y186.26%
EPS Next 3Y112.28%

More info and screens

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

0

5. Dividend

5.1 Amount

  • No dividends for FOA!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

FINANCE OF AMERICA COS INC-A

NYSE:FOA (2/27/2026, 8:04:06 PM)

After market: 19.348 0 (-0.01%)

19.35

-0.41 (-2.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)03-09
Inst Owners50.33%
Inst Owner Change-18.22%
Ins Owners21.9%
Ins Owner Change-0.17%
Market Cap183.82M
Revenue(TTM)2.20B
Net Income(TTM)-3.47M
Analysts45
Price Target30.09 (55.5%)
Short Float %8.68%
Short Ratio5.38
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)42.91%
Min EPS beat(2)-10.73%
Max EPS beat(2)96.54%
EPS beat(4)2
Avg EPS beat(4)13.4%
Min EPS beat(4)-54.8%
Max EPS beat(4)96.54%
EPS beat(8)5
Avg EPS beat(8)95.94%
EPS beat(12)5
Avg EPS beat(12)-32.85%
EPS beat(16)5
Avg EPS beat(16)-184.33%
Revenue beat(2)1
Avg Revenue beat(2)29.75%
Min Revenue beat(2)-21.45%
Max Revenue beat(2)80.96%
Revenue beat(4)2
Avg Revenue beat(4)-19.37%
Min Revenue beat(4)-229.72%
Max Revenue beat(4)92.73%
Revenue beat(8)6
Avg Revenue beat(8)72.07%
Revenue beat(12)7
Avg Revenue beat(12)28.73%
Revenue beat(16)8
Avg Revenue beat(16)16.47%
PT rev (1m)0%
PT rev (3m)-7.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-30.85%
EPS NY rev (1m)0%
EPS NY rev (3m)11.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.8%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.79%
Valuation
Industry RankSector Rank
PE 7.41
Fwd PE 4.46
P/S 0.08
P/FCF N/A
P/OCF N/A
P/B 0.65
P/tB 1.95
EV/EBITDA 16.12
EPS(TTM)2.61
EY13.49%
EPS(NY)4.34
Fwd EY22.44%
FCF(TTM)-46.79
FCFYN/A
OCF(TTM)-46.79
OCFYN/A
SpS231.34
BVpS29.81
TBVpS9.92
PEG (NY)0.02
PEG (5Y)9.48
Graham Number41.84
Profitability
Industry RankSector Rank
ROA -0.01%
ROE -1.23%
ROCE 6.33%
ROIC 4.98%
ROICexc 5%
ROICexgc 5.04%
OM 83.33%
PM (TTM) N/A
GM 95.79%
FCFM N/A
ROA(3y)-0.39%
ROA(5y)0.07%
ROE(3y)-34.5%
ROE(5y)-17.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y17.61%
ROICexgc growth 5Y7.9%
ROICexc growth 3Y18.58%
ROICexc growth 5Y7.91%
OM growth 3Y32.26%
OM growth 5Y10.01%
PM growth 3YN/A
PM growth 5Y-28.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 101.21
Debt/FCF N/A
Debt/EBITDA 15.32
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.83
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.24
Quick Ratio 0.24
Altman-Z 0.19
F-Score3
WACC1.33%
ROIC/WACC3.75
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)550%
EPS 3YN/A
EPS 5Y0.78%
EPS Q2Q%98.51%
EPS Next Y471.7%
EPS Next 2Y186.26%
EPS Next 3Y112.28%
EPS Next 5YN/A
Revenue 1Y (TTM)97.74%
Revenue growth 3Y0.73%
Revenue growth 5Y8.26%
Sales Q2Q%-72.13%
Revenue Next Year-19.52%
Revenue Next 2Y-4.09%
Revenue Next 3Y-0.56%
Revenue Next 5YN/A
EBIT growth 1Y19.11%
EBIT growth 3Y33.23%
EBIT growth 5Y19.09%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-232.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-232.06%
OCF growth 3YN/A
OCF growth 5YN/A

FINANCE OF AMERICA COS INC-A / FOA 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 7 / 10 to FINANCE OF AMERICA COS INC-A (FOA). This can be considered as Undervalued.


Can you provide the profitability details for FINANCE OF AMERICA COS INC-A?

FINANCE OF AMERICA COS INC-A (FOA) has a profitability rating of 3 / 10.


What is the earnings growth outlook for FINANCE OF AMERICA COS INC-A?

The Earnings per Share (EPS) of FINANCE OF AMERICA COS INC-A (FOA) is expected to grow by 471.7% in the next year.


How sustainable is the dividend of FINANCE OF AMERICA COS INC-A (FOA) stock?

The dividend rating of FINANCE OF AMERICA COS INC-A (FOA) is 0 / 10 and the dividend payout ratio is 0%.