Finance of America Companies In (FOA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Finance of America Companies In

NYSE•Financial Services•Credit Services

$17.16-0.09(-0.01%)Market closed

Market Cap

$124.85M

P/S

0.4x

P/B

0.3x

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. The company operates through two segments: Retirement Solutions and Portfolio Management. It offers home equity conversion and non-agency reverse mortgage loans; and 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.

How this company scores

PoorMetricSide Score: 15/100

Grade capped at D — Interest coverage below 1× (-0.0x) — earnings cannot cover interest. Strongest: Balance Sheet & Red Flags (10/25); weakest: Cash & Earnings Quality (0/25).

Profitability0/25

Growth5/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality0/25

Strengths

No share dilution

Grade capped at D

Interest coverage below 1× (-0.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 4.2x5y range 0.8x – 18.3x

Currently near its 6-quarter median.

P/S · 0.4x5y range 0.1x – 21.6x

Currently below its 19-quarter median.

P/B · 0.3x5y range 0.2x – 10.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 136.3% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Red Flag

Free cash flow has been negative in 8 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $124.85M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $336.98M
Q. Revenue: $62.48M
TTM EBITDA: $-29.51M
TTM Op. Income: $-68.57M
Q. Op. Income: $-43.61M
TTM Net Income: $-338,000
Q. Net Income: $2.05M
EPS: $0.1
Shares Out.: $8.91M

$336.98M in TTM revenue declined 36.1% YoY, reaching $62.48M last quarter. TTM EBITDA of $-29.51M and TTM operating income of $-68.57M show growth is flowing through to the bottom line. However, net income is negative at $338,000 — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: -53.9%
Op. Margin: -69.8%
Net Margin: 3.3%

Op. margin of -69.8% is down 119.6% YoY — costs are rising relative to revenue. Net margin at 3.3% Over the past year, operating margin is down 240% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 0.4x
P/B Ratio: 0.3x

P/S of 0.4x and P/B of 0.3x. P/S is low relative to typical market levels. Over the past year, P/E is down 77% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $37.32B
Cash: $85.28M
Long-Term Debt: $347.03M
Book Value: $406.70M
D/E Ratio: 0.9
Debt/EBITDA: N/A

With $37.32B in assets and $347.03M in long-term debt, D/E is 0.9and book value is $406.70M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 5% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-183.26M
TTM Free Cash Flow: $-555.32M
FCF Margin: -164.8%
FCF / Net Income: 1642.9

TTM FCF of $-555.32M on $-183.26M in operating cash flow. The FCF / Net Income ratio of 1642.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.