Finance of America Companies Inc. FOA

Latest FY: 2025 Financial Services Credit Services
Market Price $15.62
Market Cap $138.89M
P/E Ratio 3.96
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑47.1% YoY
$497.43M
3-Yr CAGR: -4.6%
Net Income ↑188.7% YoY
$103.04M
Net Margin: 20.7%
Free Cash Flow ↓-1.4% YoY
-$429.75M
FCF Yield: -309.41%
EPS (Diluted) ↑189.7% YoY
$3.94
Basic: $5.04
Return on Equity Efficiency
26.0%
ROA: 0.3%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (FOA)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1.8M $1.7M $-2.1M $-0.0M
FY 2017 $3.5M +101.7% $3.5M $-1.0M +54.3% $0.1M $0.1M +166,956.9%
FY 2018 $3.9M +10.1% $3.8M $-1.5M -55.8% $-0.0M -138.5%
FY 2019 $891.5M +22,836.1% $752.8M $76.6M +5,139.4% 0.00% $0.0M $-0.0M +98.3%
FY 2020 $1,800.1M +101.9% $1,677.1M $497.9M +549.8% 0.00% $0.1M $0.0M +6,688.7%
FY 2021 $6.7M -99.6% $6.6M $-7.4M -101.5% 0.00% $-0.0M -117.8%
FY 2022 $573.2M +8,490.7% $421.5M $-715.5M -9,539.2% $-1.58 0.00% $1,407.8M $1,396.6M +17,216,359.9%
FY 2023 $234.2M -59.1% $115.5M $-218.2M +69.5% $-0.75 +52.5% 0.00% $-71.6M $-71.6M -105.1%
FY 2024 $338.2M +44.4% $97.6M $35.7M +116.4% $1.36 +281.3% 0.00% $-423.8M $-423.8M -492.2%
FY 2025 $497.4M +47.1% $157.7M $103.0M +188.7% $3.94 +189.7% 0.00% $-429.7M $-429.7M -1.4%
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Valuation

Market Price $15.62
Market Cap $138.89M
Enterprise Value $406.93M
P/E Ratio 3.96
P/B Ratio 0.35
FCF Yield -309.41%
Dividend Yield N/A
Shares Outstanding 8,891,800
%

Profitability & Margins

Gross Margin 31.69%
Operating Margin 21.42%
Net Margin 20.71%
Return on Equity (ROE) 26.04%
Return on Assets (ROA) 0.34%
Asset Turnover 0.02x
Revenue 3-Yr CAGR -4.62%
🛡️

Financial Health & Liquidity

Current Ratio 0.78
Cash Ratio 82.65
Debt / Equity 0.904
Debt / Assets 0.012
Cash & Equivalents $89.50M
Total Debt $357.55M
Book Value / Share $44.49
💧

Cash Flow Efficiency

Operating Cash Flow -$429.75M
Capital Expenditures (CapEx) N/A
Free Cash Flow -$429.75M
OCF / Revenue -86.39%
FCF / Revenue -86.39%
FCF 3-Yr CAGR N/A
🏷️

Per Share Metrics

EPS (Diluted) $3.94
EPS (Basic) $5.04
Dividends / Share N/A
Book Value / Share $44.49
EPS YoY Growth 189.71%
🏛️

Balance Sheet (FY 2025)

Total Assets $30.73B
Total Liabilities $30.34B
Stockholders' Equity $395.63M
Current Assets $842.00K
Current Liabilities $1.08M