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Updated: Aug 17, 2026
FOA Logo

Finance of America

NYSE:FOA·Stock Analysis Report
Day Range
$21.14 - $21.68
Market Cap
194.41M
P/E Ratio
0.0000
Avg Value
$22.48
Year Range
$15.77 - $29.18
$21.45$0.60 (2.88%)
1
General Information
Finance of America Companies Inc provides home equity-based financing solutions for modern retirement and offers capital markets and portfolio management capabilities to optimize loan distribution to investors.

The Company operates through two segments: Retirement Solutions and Portfolio Management. The Retirement Solutions segment handles loan origination, including HECM and non-agency reverse mortgage loans, generating revenue from origination fees and initial gains, with loans transferred to the Portfolio Management segment. The Portfolio Management segment, which generates the majority of revenue, provides securitization, loan sales, risk management, and asset management services, and earns revenue from net interest income, fair value changes, and servicing-related income.

2
Finance of America (FOA) Stock Graph
3
How We Grade Finance of America (FOA)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Finance of America (FOA) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

4.85

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Peer Ratings

See how Finance of America compares to its peers in these key performance metrics from Benzinga Rankings.

Top Peers
Value
Quality
Growth
Momentum
Short
Medium
Long
MBINLMerchants Bancorp
N/A
N/A
75.48
38.76
GHIGreystone Housing Impact
N/A
N/A
N/A
14.19
MBINMMerchants Bancorp
N/A
N/A
75.48
N/A
BETRBetter Home & Finance
N/A
N/A
N/A
2.17
Short: price trend over the last couple of months
Medium: price trend over the last couple of quarters
Long: price trend over the past year
Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
6
Past Performance
How has Finance of America (FOA) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Finance of America (FOA) sharpe ratio over the past 5 years is -0.7058 which is considered to be below average compared to the peer average of -0.0262

7
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is FOA's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Revenue
0.50
0.18
0.27
0.41
0.24
Operating Revenue
0.50
0.18
0.27
0.41
0.24
Cost Of Revenue
Gross Profit
Operating Expense
Selling General And Administration
0.95
0.26
0.21
0.22
0.25
Research and Development
Operating Income
Net Non-Operating Interest Income Expense
Other Income Expense
Other Non-Operating Income Expenses
0.04
0.00
-0.01
-0.01
-0.02
Pre-Tax Income
-0.73
-0.17
0.04
0.11
-0.09
Tax Provision
-0.02
0.00
0.00
0.00
-0.04
Net Income
-0.19
-0.08
0.02
0.05
0.00
Net Income Common Stockholders
-0.19
-0.08
0.02
0.05
0.00
Total Operating Income As Reported
Total Expenses
Net Income From Continuing And Discontinued Operation
-0.19
-0.08
0.02
0.05
0.00
Normalized Income
0.02
0.00
-0.03
0.05
0.00
Interest Income
0.90
1.63
1.91
1.92
1.92
Interest Expense
0.71
1.34
1.68
1.72
1.72
Net Interest Income
0.19
0.29
0.23
0.20
0.20
EBIT
EBITDA
Reconciled Cost Of Revenue
Reconciled Depreciation
0.04
0.04
0.04
Normalized EBITDA
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.40
Tax Effect Of Unusual Items
-0.02
0.00
0.00
0.00
0.00
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Assets
20.87
27.11
29.16
30.73
37.32
Current Assets
Total Non-Current Assets
Total Liabilities Net Minority Interest
20.47
26.84
28.84
30.34
36.91
Current Liabilities
Other Non-Current Liabilities
Total Equity Gross Minority Interest
0.40
0.27
0.32
0.40
0.41
Stockholders Equity
Total Capitalization
18.99
25.56
27.67
29.30
36.05
Common Stock Equity
0.25
0.23
0.26
0.32
0.35
Net Tangible Assets
-0.22
-0.03
0.04
0.14
0.19
Working Capital
Invested Capital
20.45
26.49
28.59
30.49
37.11
Tangible Book Value
-0.22
-0.03
0.04
0.14
0.19
Total Debt
20.25
26.29
28.36
30.19
36.76
Net Debt
20.10
26.21
28.28
30.08
36.68
Share Issued
0.01
0.01
0.01
0.01
0.01
Ordinary Shares Number
0.01
0.01
0.01
0.01
0.01
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
1.41
-0.07
-0.42
-0.43
-0.56
Net Income from Continuing Operations
-0.72
-0.22
0.04
0.10
-0.05
Depreciation and Amortization
Deferred Tax
Deferred Income Tax
Stock-Based Compensation
Other Non-Cash Items
1.78
0.01
-0.39
-0.57
-0.55
Change in Working Capital
Change in Receivables
Changes in Account Receivables
Change in Inventory
Change in Payables and Accrued Expense
Change in Payable
Change in Account Payable
Change in Other Current Assets
Change in Other Current Liabilities
Change in Other Working Capital
Cash Flow from Continuing Investing Activities
-1.82
0.16
0.11
0.85
0.72
Net PPE Purchase and Sale
-0.01
Net Business Purchase and Sale
0.00
-0.07
0.00
Purchase of Business
0.00
-0.14
0.00
Net Investment Purchase and Sale
0.00
Purchase of Investment
-0.01
Sale of Investment
0.01
Net Other Investing Changes
-0.03
-0.01
0.00
-0.01
0.00
Financing Cash Flow
0.23
-0.14
0.39
-0.40
-0.06
Cash Flow from Continuing Financing Activities
0.23
-0.14
0.39
-0.40
-0.06
Net Issuance Payments of Debt
0.23
-0.17
0.40
-0.41
-0.02
Net Long-Term Debt Issuance
0.23
-0.17
0.40
-0.41
-0.02
Long-Term Debt Issuance
27.84
8.47
9.32
12.48
13.63
Long-Term Debt Payments
-27.61
-8.64
-8.93
-12.89
-13.65
Net Short-Term Debt Issuance
-1.89
-0.53
Net Common Stock Issuance
0.03
0.00
Common Stock Issuance
0.03
0.00
Common Stock Payments
Cash Dividends Paid
0.00
Net Other Financing Charges
-0.01
0.00
-0.01
0.00
0.00
End Cash Position
1.77
1.19
1.01
1.22
1.44
Changes in Cash
-0.19
-0.05
0.08
0.02
0.10
Beginning Cash Position
1.96
1.24
0.94
1.19
1.34
Capital Expenditure
-0.01
Issuance of Capital Stock
0.03
0.00
Issuance of Debt
27.84
8.47
9.32
12.48
13.63
Repayment of Debt
-27.61
-8.64
-8.93
-12.89
-13.65
Repurchase of Capital Stock
Free Cash Flow
1.40
-0.07
-0.42
-0.43
-0.56