Symbols / FOA
FOA Chart
About
Finance of America Companies Inc. a financial service holding company, through its subsidiaries, provides home equity-based financing solutions for a modern retirement in the United States. It operates through two segments: Retirement Solutions and Portfolio Management. The company offers home equity conversion and non-agency reverse mortgage loans, product development, loan securitization, loan sales, risk management, servicing oversight, and asset management services. The company was founded in 2013 and is headquartered in Plano, Texas.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 202.56M |
| Enterprise Value | 11.56B | Income | -806.00K | Sales | 318.30M |
| Book/sh | 35.91 | Cash/sh | 13.91 | Dividend Yield | — |
| Payout | 0.00% | Employees | 751 | IPO | — |
| P/E | — | Forward P/E | 4.64 | PEG | — |
| P/S | 0.64 | P/B | 0.56 | P/C | — |
| EV/EBITDA | — | EV/Sales | 36.31 | Quick Ratio | 22.71 |
| Current Ratio | 22.98 | Debt/Eq | 3125.08 | LT Debt/Eq | — |
| EPS (ttm) | -1.03 | EPS next Y | 4.30 | EPS Growth | — |
| Revenue Growth | -72.10% | Earnings | 2026-03-10 | ROA | -0.04% |
| ROE | -2.86% | ROIC | — | Gross Margin | 70.96% |
| Oper. Margin | -28.75% | Profit Margin | -1.09% | Shs Outstand | 10.15M |
| Shs Float | 3.30M | Short Float | 37.11% | Short Ratio | 5.58 |
| Short Interest | — | 52W High | 29.58 | 52W Low | 16.58 |
| Beta | 1.64 | Avg Volume | 105.70K | Volume | 25.69K |
| Target Price | $29.50 | Recom | None | Prev Close | $19.29 |
| Price | $19.96 | Change | 3.47% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$29.50
Mean price target
2. Current target
$19.96
Latest analyst target
3. DCF / Fair value
$29.50
Proxy: analyst mean price target (no FCF/EPS data available).
Ratings
Current target
$19.96
Low
$29.50
High
$29.50
Mean
$29.50
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2025-11-26 | main | UBS | Neutral → Neutral | $30 |
| 2025-07-15 | main | UBS | Neutral → Neutral | $25 |
| 2025-04-16 | main | UBS | Neutral → Neutral | $23 |
| 2025-03-25 | main | Raymond James | Outperform → Outperform | $30 |
| 2024-11-20 | down | UBS | Buy → Neutral | $24 |
| 2024-09-05 | main | UBS | Buy → Buy | $14 |
| 2023-12-06 | init | UBS | — → Buy | $1 |
| 2023-11-17 | main | Raymond James | Outperform → Outperform | $2 |
| 2023-08-30 | main | Raymond James | Outperform → Outperform | $2 |
| 2022-12-16 | main | Morgan Stanley | — → Equal-Weight | $2 |
| 2022-11-21 | main | Credit Suisse | — → Outperform | $4 |
| 2022-11-11 | down | Raymond James | Strong Buy → Outperform | $3 |
| 2022-10-04 | main | Goldman Sachs | — → Neutral | $2 |
| 2022-08-15 | main | Morgan Stanley | — → Equal-Weight | $2 |
| 2022-08-08 | main | Raymond James | — → Strong Buy | $5 |
| 2022-05-12 | main | Goldman Sachs | — → Neutral | $3 |
| 2022-05-11 | main | Raymond James | — → Strong Buy | $6 |
| 2022-05-10 | main | Morgan Stanley | — → Equal-Weight | $3 |
| 2022-04-04 | main | Goldman Sachs | — → Neutral | $4 |
| 2022-03-23 | main | Credit Suisse | — → Outperform | $7 |
News
RSS: Latest FOA news- Finance of America sets March 10 call on 2025 earnings - Stock Titan ue, 24 Feb 2026 21
- $FOA stock is down 12% today. Here's what we see in our data. - Quiver Quantitative Mon, 23 Feb 2026 19
- Finance of America: A Levered Bet On The $14T Senior Home Equity Market (NYSE:FOA) - Seeking Alpha Fri, 06 Feb 2026 08
- Trading the Move, Not the Narrative: (FOA) Edition - Stock Traders Daily Wed, 18 Feb 2026 22
- Investors in Finance of America Companies (NYSE:FOA) have unfortunately lost 77% over the last five years - Yahoo Finance ue, 27 Jan 2026 08
- Finance of America (FOA) 10% owners sell $15.9 million in stock - Investing.com Mon, 08 Dec 2025 08
- Finance of America Announces $2.5 Billion Strategic Partnership with Funds Managed by Blue Owl to Expand FOA’s Home Equity Lending - Business Wire hu, 11 Dec 2025 08
- Finance of America Companies Inc. (NYSE:FOA) Sees Large Decrease in Short Interest - MarketBeat Mon, 02 Feb 2026 08
- Finance of America launches new stock offering in Texas - HousingWire hu, 14 Aug 2025 07
- Finance of America Acquires Reverse Mortgage Assets - The Globe and Mail Wed, 19 Nov 2025 08
- Finance of America Companies (FOA): Operational Momentum Drives Strong Q3 Adjusted Earnings - simplywall.st Wed, 05 Nov 2025 08
- Finance of America (FOA) flags 86% emotional exhaustion in sandwich caregivers - Stock Titan ue, 16 Dec 2025 08
- Finance of America Companies (NYSE:FOA) shareholder returns have been impressive, earning 261% in 1 year - Yahoo Finance Sat, 16 Aug 2025 07
- Blackstone funds sell Finance of America (FOA) shares worth $15.9 million - Investing.com Mon, 08 Dec 2025 08
- Finance of America: Near-Term Expectations Need Moderation, Long-Term Outlook Hard To Ignore - Seeking Alpha Sun, 14 Sep 2025 07
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 750 | 17490.0 | — | Sale at price 23.32 per share. | SIEFFERT KRISTEN N | President | — | 2026-02-02 00:00:00 | D |
| 1 | 1100 | 27038.0 | — | Sale at price 24.58 per share. | THORNOCK TAI A | Officer | — | 2026-01-16 00:00:00 | D |
| 2 | 750 | 18135.0 | — | Sale at price 24.18 per share. | SIEFFERT KRISTEN N | President | — | 2026-01-02 00:00:00 | D |
| 3 | 1100 | 25344.0 | — | Sale at price 23.04 per share. | THORNOCK TAI A | Officer | — | 2025-12-16 00:00:00 | D |
| 4 | 1596142 | 35881272.0 | — | Sale at price 22.48 per share. | BTO URBAN HOLDINGS L.L.C | Beneficial Owner of more than 10% of a Class of Security | — | 2025-12-04 00:00:00 | I |
| 5 | 750 | 17625.0 | — | Sale at price 23.50 per share. | SIEFFERT KRISTEN N | President | — | 2025-12-01 00:00:00 | D |
| 6 | 1100 | 24893.0 | — | Sale at price 22.63 per share. | THORNOCK TAI A | Officer | — | 2025-11-17 00:00:00 | D |
| 7 | 12452 | nan | — | — | ENGEL MATTHEW A | Chief Financial Officer | — | 2025-11-17 00:00:00 | D |
| 8 | 750 | 16395.0 | — | Sale at price 21.86 per share. | SIEFFERT KRISTEN N | President | — | 2025-11-03 00:00:00 | D |
| 9 | 1100 | 23474.0 | — | Sale at price 21.34 per share. | THORNOCK TAI A | Officer | — | 2025-10-16 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 2.85M | -84.64K | -1.41M | |
| TaxRateForCalcs | 0.06 | 0.00 | 0.05 | |
| TotalUnusualItems | 50.94M | -23.51M | -28.24M | |
| TotalUnusualItemsExcludingGoodwill | 50.94M | -23.51M | -28.24M | |
| NetIncomeFromContinuingOperationNetMinorityInterest | 20.21M | -28.18M | 198.98M | |
| ReconciledDepreciation | 38.95M | 47.55M | 64.99M | |
| NetInterestIncome | 228.43M | 238.26M | 177.56M | |
| InterestExpense | 1.68B | 1.39B | 719.34M | |
| InterestIncome | 1.91B | 1.63B | 896.89M | |
| NormalizedIncome | -27.87M | -4.75M | 225.81M | |
| NetIncomeFromContinuingAndDiscontinuedOperation | 15.49M | -80.09M | -190.68M | |
| DilutedAverageShares | 23.41M | 8.20M | 18.82M | 6.08M |
| BasicAverageShares | 9.85M | 8.20M | 6.23M | 6.08M |
| DilutedEPS | 1.18 | -9.80 | -31.20 | -41.47 |
| BasicEPS | 1.57 | -9.80 | -30.60 | -41.47 |
| DilutedNIAvailtoComStockholders | 27.71M | -80.09M | -190.68M | |
| AverageDilutionEarnings | 12.23M | 0.00 | -395.91M | |
| NetIncomeCommonStockholders | 15.49M | -80.09M | -190.68M | |
| NetIncome | 15.49M | -80.09M | -190.68M | |
| MinorityInterests | -20.20M | 138.07M | 524.85M | |
| NetIncomeIncludingNoncontrollingInterests | 35.69M | -218.16M | -715.53M | |
| NetIncomeDiscontinuousOperations | -4.73M | -51.91M | -389.66M | |
| NetIncomeContinuousOperations | 40.42M | -166.25M | -325.87M | |
| TaxProvision | 2.40M | -593.00K | -17.13M | |
| PretaxIncome | 42.82M | -166.84M | -343.00M | |
| OtherNonOperatingIncomeExpenses | -6.93M | 211.00K | 31.99M | |
| SpecialIncomeCharges | 50.94M | -23.51M | -28.24M | |
| OtherSpecialCharges | 4.37M | 14.21M | 18.71M | |
| ImpairmentOfCapitalAssets | 891.00K | 9.30M | 9.53M | |
| GainOnSaleOfSecurity | 332.63M | |||
| DepreciationAmortizationDepletionIncomeStatement | 38.95M | 42.37M | 42.03M | |
| DepreciationAndAmortizationInIncomeStatement | 38.95M | 42.37M | 42.03M | |
| SellingGeneralAndAdministration | 211.87M | 258.89M | 258.69M | |
| SellingAndMarketingExpense | 39.43M | 31.90M | 13.03M | |
| GeneralAndAdministrativeExpense | 172.44M | 226.99M | 245.66M | |
| OtherGandA | 34.08M | 48.67M | 38.72M | |
| SalariesAndWages | 138.36M | 178.32M | 206.94M | |
| TotalRevenue | 270.64M | 177.03M | -32.38M | |
| OperatingRevenue | 270.64M | 177.03M | -32.38M | |
| OccupancyAndEquipment | 4.90M | 8.74M | 7.12M | |
| ProfessionalExpenseAndContractServicesExpense | 20.48M | 24.79M | 25.25M | |
| OtherNonInterestExpense | -4.37M | -14.21M | -18.71M |
| Line Item | 2024-12-31 | 2023-12-31 | ||
|---|---|---|---|---|
| TreasurySharesNumber | 425.85K | 425.85K | ||
| OrdinarySharesNumber | 9.93M | 9.63M | 6.34M | 6.08M |
| ShareIssued | 10.36M | 10.06M | 6.34M | 6.08M |
| NetDebt | 28.28B | 26.21B | 20.01B | 20.09B |
| TotalDebt | 28.36B | 26.29B | 20.10B | 20.30B |
| TangibleBookValue | 38.96M | -27.66M | -138.29M | -642.94M |
| InvestedCapital | 28.59B | 26.49B | 20.32B | 20.62B |
| NetTangibleAssets | 38.96M | -27.66M | -138.29M | -642.94M |
| CapitalLeaseObligations | 28.47M | 31.25M | 34.39M | 65.52M |
| CommonStockEquity | 255.30M | 232.31M | 253.93M | 387.90M |
| TotalCapitalization | 27.67B | 25.56B | 18.99B | 17.27B |
| TotalEquityGrossMinorityInterest | 315.66M | 272.41M | 404.84M | 1.08B |
| MinorityInterest | 60.37M | 40.10M | 150.91M | 695.11M |
| StockholdersEquity | 255.30M | 232.31M | 253.93M | 387.90M |
| GainsLossesNotAffectingRetainedEarnings | -276.00K | -249.00K | -273.00K | -110.00K |
| RetainedEarnings | -698.89M | -714.38M | -634.29M | -443.61M |
| AdditionalPaidInCapital | 954.47M | 946.94M | 888.49M | 831.62M |
| CapitalStock | 1.00K | 1.00K | 6.00K | 6.00K |
| CommonStock | 1.00K | 1.00K | 6.00K | 6.00K |
| TotalLiabilitiesNetMinorityInterest | 28.84B | 26.84B | 20.47B | 20.71B |
| PreferredSecuritiesOutsideStockEquity | 0.00 | |||
| DerivativeProductLiabilities | 1.15M | 1.12M | 32.17M | |
| EmployeeBenefits | 129.92M | |||
| NonCurrentDeferredLiabilities | 18.35M | 12.78M | 3.92M | 18.58M |
| NonCurrentDeferredRevenue | 18.35M | 12.78M | 3.92M | |
| NonCurrentDeferredTaxesLiabilities | 2.37M | 18.58M | ||
| LongTermDebtAndCapitalLeaseObligation | 27.44B | 25.36B | 18.77B | 16.95B |
| LongTermCapitalLeaseObligation | 28.47M | 31.25M | 34.39M | 65.52M |
| LongTermDebt | 27.41B | 25.33B | 18.74B | 16.89B |
| LongTermProvisions | 31.07M | 23.68M | ||
| CurrentDebtAndCapitalLeaseObligation | 918.25M | 928.48M | 1.33B | 3.35B |
| CurrentDebt | 918.25M | 928.48M | 1.33B | 3.35B |
| LineOfCredit | 918.25M | 928.48M | 1.33B | 3.35B |
| PayablesAndAccruedExpenses | 27.23M | 81.07M | 118.67M | 276.12M |
| CurrentAccruedExpenses | 13.22M | 13.08M | 76.91M | 244.85M |
| Payables | 14.01M | 67.99M | 41.77M | 31.27M |
| OtherPayable | 14.01M | 67.99M | 41.77M | 31.27M |
| TotalAssets | 29.16B | 27.11B | 20.87B | 21.79B |
| InvestmentsAndAdvances | 40.41M | 44.30M | 46.44M | 72.74M |
| AvailableForSaleSecurities | 40.41M | 44.30M | 46.44M | 72.74M |
| GoodwillAndOtherIntangibleAssets | 216.34M | 259.97M | 392.21M | 1.03B |
| OtherIntangibleAssets | 216.34M | 259.97M | 392.21M | 1.03B |
| Goodwill | 0.00 | |||
| NetPPE | 24.36M | 29.37M | 37.06M | 91.78M |
| AccumulatedDepreciation | -10.35M | -5.96M | -8.35M | |
| GrossPPE | 24.36M | 29.37M | 43.02M | 100.13M |
| Leases | 2.94M | 3.87M | 4.22M | |
| OtherProperties | 24.36M | 29.37M | 27.93M | 62.58M |
| MachineryFurnitureEquipment | 13.37M | 11.22M | 33.18M | |
| BuildingsAndImprovements | 164.00K | 164.00K | ||
| PrepaidAssets | 12.00M | 12.24M | 10.65M | 34.53M |
| Receivables | 62.88M | 104.14M | 120.21M | 109.06M |
| OtherReceivables | 41.95M | 76.65M | 66.95M | 49.00M |
| AccountsReceivable | 20.93M | 27.49M | 53.26M | 60.07M |
| AllowanceForDoubtfulAccountsReceivable | -3.13M | -4.62M | -5.17M | -266.00K |
| GrossAccountsReceivable | 24.07M | 32.11M | 58.43M | 60.33M |
| CashAndCashEquivalents | 47.38M | 46.48M | 61.15M | 143.49M |
| CashCashEquivalentsAndFederalFundsSold | 301.97M | 224.80M | 256.54M | 497.04M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| FreeCashFlow | -423.81M | -71.57M | 1.41B |
| RepaymentOfDebt | -10.87B | -8.64B | -27.57B |
| IssuanceOfDebt | 11.04B | 8.47B | 27.80B |
| IssuanceOfCapitalStock | 0.00 | 30.00M | 0.00 |
| CapitalExpenditure | -11.24M | ||
| InterestPaidSupplementalData | 432.94M | 308.38M | 269.26M |
| IncomeTaxPaidSupplementalData | 0.00 | 46.00K | |
| EndCashPosition | 301.97M | 224.80M | 277.44M |
| BeginningCashPosition | 224.80M | 277.44M | 463.64M |
| EffectOfExchangeRateChanges | -27.00K | 24.00K | -163.00K |
| ChangesInCash | 77.19M | -52.66M | -186.04M |
| FinancingCashFlow | 160.10M | -139.23M | 225.21M |
| CashFlowFromContinuingFinancingActivities | 160.10M | -139.23M | 225.21M |
| NetOtherFinancingCharges | -10.35M | -2.73M | -7.14M |
| CashDividendsPaid | 0.00 | ||
| NetCommonStockIssuance | 0.00 | 30.00M | 0.00 |
| CommonStockIssuance | 0.00 | 30.00M | 0.00 |
| NetIssuancePaymentsOfDebt | 170.45M | -166.50M | 232.35M |
| NetShortTermDebtIssuance | -526.89M | -1.89B | |
| ShortTermDebtPayments | -5.12B | -23.37B | |
| ShortTermDebtIssuance | 4.59B | 21.47B | |
| NetLongTermDebtIssuance | 170.45M | -166.50M | 232.35M |
| LongTermDebtPayments | -10.87B | -8.64B | -27.57B |
| LongTermDebtIssuance | 11.04B | 8.47B | 27.80B |
| InvestingCashFlow | 340.91M | 158.14M | -1.82B |
| CashFlowFromContinuingInvestingActivities | 340.91M | 158.14M | -1.82B |
| NetOtherInvestingChanges | -298.00K | -5.33M | -36.27M |
| NetInvestmentPurchaseAndSale | 1.20M | ||
| SaleOfInvestment | 13.06M | ||
| PurchaseOfInvestment | -11.85M | ||
| NetBusinessPurchaseAndSale | 3.00M | -69.69M | 0.00 |
| SaleOfBusiness | 3.00M | 71.17M | 0.00 |
| PurchaseOfBusiness | 0.00 | -140.85M | 0.00 |
| NetIntangiblesPurchaseAndSale | 5.52M | 85.63M | 473.79M |
| SaleOfIntangibles | 5.52M | 85.63M | 473.79M |
| PurchaseOfIntangibles | 0.00 | ||
| NetPPEPurchaseAndSale | -11.24M | ||
| PurchaseOfPPE | -11.24M | ||
| OperatingCashFlow | -423.81M | -71.57M | 1.41B |
| CashFlowFromContinuingOperatingActivities | -423.81M | -71.57M | 1.41B |
| ChangeInWorkingCapital | -59.13M | 1.93M | 242.13M |
| ChangeInOtherCurrentAssets | 33.44M | 33.76M | 421.32M |
| ChangeInPayablesAndAccruedExpense | -92.56M | -31.82M | -162.43M |
| OtherNonCashItems | -390.12M | 13.95M | 1.78B |
| StockBasedCompensation | 8.81M | 24.67M | 47.86M |
| AssetImpairmentCharge | 891.00K | 13.75M | 192.51M |
| DeferredTax | -2.41M | 678.00K | |
| DeferredIncomeTax | -2.41M | 678.00K | |
| DepreciationAmortizationDepletion | 38.95M | 47.55M | 64.99M |
| DepreciationAndAmortization | 38.95M | 47.55M | 64.99M |
| OperatingGainsLosses | -56.49M | 44.06M | -208.47M |
| NetIncomeFromContinuingOperations | 35.69M | -218.16M | -715.53M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for FOA
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|