Finance of America Companies Inc. (FOA) stock analysis
Close on Nov 11, 2026Market cap $196.78MP/E –Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Weak7 of 30 checks passed
Finance of America Companies passes 7 of the 30 checks behind our score; 19 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 1/6
- Past performance
- 1/6
- Financial health
- 4/6
- Dividend
- 0/6
What stands out
No debt
Finance of America Companies has no borrowings on its latest balance sheet.
Revenue growing 10%+ a year
Revenue grew 111% a year over the last three fiscal years.
Interest well covered
No meaningful interest expense to cover.
Debt covered by cash flow
There is no debt to cover.
What to watch
Earnings shrank over 5 years
Net income shrank 38.6% a year on average over the last five fiscal years.
Elevated bankruptcy risk
The Altman Z-score is -0.02; above 3 is the safe zone and below 1.8 the distress zone.
Net margin below the industry
Finance of America Companies's net margin of -19.2% is below the Non-depository Credit Institutions median of 10.7%.
No dividend
Finance of America Companies has not paid a dividend in the last twelve months.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
EV/EBITDA against its history
Needs positive EBITDA and price history.
P/S below the industry
Finance of America Companies's price-to-sales of 0.99 is below the Non-depository Credit Institutions median of 1.85 (book value is negative, so we use sales).
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth1/6
Revenue growing 10%+ a year
Revenue grew 111% a year over the last three fiscal years.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growth against the industry
Needs revenue for this year and last.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
This company does not report gross profit.
Past performance1/6
Return on equity
Needs positive equity and five years of results.
Return on invested capital
Needs operating income and invested capital.
Return on equity against the industry
Needs positive equity.
Earnings shrank over 5 years
Net income shrank 38.6% a year on average over the last five fiscal years.
Net margin above its 5-year average
Net margin was -19.2% over the last twelve months, against a 5-year average of -95.6%.
Net margin below the industry
Finance of America Companies's net margin of -19.2% is below the Non-depository Credit Institutions median of 10.7%.
Financial health4/6
No debt
Finance of America Companies has no borrowings on its latest balance sheet.
Debt not rising
With no debt today, leverage cannot have risen.
Debt covered by cash flow
There is no debt to cover.
Interest well covered
No meaningful interest expense to cover.
Short-term liquidity
The balance sheet is not split into current and non-current items.
Elevated bankruptcy risk
The Altman Z-score is -0.02; above 3 is the safe zone and below 1.8 the distress zone.
Dividend0/6
No dividend
Finance of America Companies has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Finance of America Companies. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/S at month end
- Own 5-year median 1.0
- Non-depository Credit Institutions median 1.8
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $1.02M
- Value traded per 1% price move
- $395.85K
Downside
High risk
- Typical loss in a bad month
- 29.3%
- Volatility (annualized)
- 50%
- Sharpe ratio, 1 year
- -1.10
- Beta to the S&P 500 (5Y)
- 0.74
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2018 to 2025
Operating margin
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +26.1% | +111.3% | -22.7% | – | |
| Net income | +192.1% | – | -38.6% | – | |
| EPS, diluted | +216.9% | – | – | – |
Returns and balance sheet
8 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2018 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | -1687.1% | – | |
| Return on assets | – | 2.9% | 0.2% | |
| Current ratio | – | 0.51 | – | |
| Interest coverage | – | -0.0× | – | |
| Capex to revenue | – | 0.5% | – | |
| Diluted shares | – | – | 27M |
Cash use needs five years of cash flow figures
Finance of America Companies does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2020 | 28.8% | 0.10× | -588.25× | -1687.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$45.24M
- Cash generatingOperating cash flow above zero-$429.75M
- Return on assets improvedROA up on the prior year0.1% → 0.2%
- Earnings backed by cashOperating cash flow above net income-$429.75M vs $45.24M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise23M → 27M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.02
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