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Finance Of America Companies

(NYSE) FOA

Current Price$24.26
Market Cap$412.87MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)-75%
5 Year-63%
1 Year-0%
1 Month+22%
Finance Of America Companies last closing stock price
MetricPriceDate
Last closeUSD 24.252026-07-17
Finance Of America Companies stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-5.75%USD 25.732026-07-10
1 month+22.47%USD 19.802026-06-17
3 month+3.9%USD 23.342026-04-17
Year to date+0.17%USD 24.212025-12-31
1 year-0.08%USD 24.272025-07-17
3 year+27.63%USD 19.002023-07-18
5 year-62.81%USD 65.202021-07-16
Since inception-74.96%USD 96.852019-04-18

Finance Of America Companies Financials at a Glance

Market Cap

$412.87MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$2.09B

Net Income (TTM)

$32.53M

EPS (TTM)

-$0.38

P/E Ratio

-63.97

Dividend

$0.00

Beta (Volatility)

1.08 (Average)

Price

$24.26

Volume

33,458

Open

$23.97

Previous Close

$24.25

Daily Range

$23.97 - $25.14

52-Week Range

$15.77 - $29.79

Estimated Earnings Date

Aug 4, 2026

FOA News

Foolcom-Featured.png

FOA Revenue Jumps 124 Percent

Motley Fool Markets TeamAug 6, 2025
Generic Upward Stock Move Green Getty

Why Shares of Finance of America Companies Are Rising Today

Bram BerkowitzJun 15, 2021

FOA: Motley Fool Moneyball Superscore

62

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About Finance Of America Companies

Finance of America helps older Americans access home equity for retirement needs. Its reverse mortgage products let homeowners turn property value into cash. The company also manages and sells these loans to investors, supporting the broader housing market.

Products and Services

  • Non-Agency Reverse Loans: Reverse mortgages not insured by the government, including second lien products.
  • Ancillary Services: Title insurance, loan servicing, due diligence, and appraisal for mortgage industry clients.

Growth and Expansion

  • Expanded non-agency second lien reverse mortgage product in 2024 and 2025.
  • Unified sales teams and rebranded under "Finance of America" in 2024.
  • Launched national advertising and digital borrower experience in 2025.

What Makes Finance of America Stand Out

The company targets the growing retirement market with specialized home equity products. It combines loan origination and capital markets, allowing efficient loan sales and investor access. Digital tools and unified platforms streamline customer experience and operations.

Five Things You Need to Know

  • Revenue was $491 million in Q3 2025, down 31.1% from Q3 2024.
  • Net income was $395 million in Q3 2025, up 89.6% year-over-year.
  • Reverse mortgage loan origination volume was $602.3 million in Q2 2025, up 34.9% year-over-year.
  • Portfolio Management contributed 73.5% of Q2 2025 revenue.

Bottom Line

Finance of America has shifted toward retirement-focused lending and capital markets. Its adaptability and digital investments support its position in the U.S. home equity market.

AI Generated • Apr 16, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

784

CEO

Graham A. Fleming, CPA

Website

www.financeofamerica.com

Headquarters

Plano, TX 75024, US

FOA Financials

Key Financial Metrics (TTM)

Gross Margin

35.92%

Operating Margin

23.50%

Net Income Margin

1.56%

Return on Equity

10.17%

Return on Capital

0.37%

Return on Assets

0.10%

Earnings Yield

-1.56%

Dividend Yield

0.00%

Payout Ratio

3.46%

Stock Overview

Market Cap

$412.87MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

17.03M

Volume

33.46K

Avg. Volume

61.42K

Financials (TTM)

Gross Profit

$751.18M

Operating Income

$491.49M

EBITDA

$524.97M

Operating Cash Flow

-$468.53M

Capital Expenditure

$0.00

Free Cash Flow

-$468.53M

Cash & ST Invst.

$108.00M

Total Debt

$30.76B

Finance Of America Companies Performance Analysis

Finance Of America Companies annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD -36,727,000N/A
20232023-12-31USD 286,335,000N/A
20242024-12-31USD 297,474,0003.9%
20252025-12-31USD 290,254,000-2.4%
Finance Of America Companies sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-304.6%
Q32025-09-30-17.9%
Q42025-12-310.5%
Q12026-03-313.2%
Finance Of America Companies annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -30.61-48.4%
20232023-12-31USD -9.77-68.1%
20242024-12-31USD 1.18N/A
20252025-12-31USD 3.74215.4%
Finance Of America Companies sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30113.0%
Q32025-09-30-149.3%
Q42025-12-31-27.6%
Q12026-03-31232.1%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$509.06M

-11.0%

Gross Profit

$95.03M

-35.2%

Gross Margin

18.67%

N/A

Market Cap

$412.87MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$526.62K

N/A

Employees

784

N/A

Net Income

$17.51M

-42.0%

EBITDA

$46.11M

-49.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$108.00M

+107.6%

Total Debt

$30.76B

+5.5%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$27.40B

-1.4%

Short Term Debt

$3.36B

+144.5%

Return on Assets

0.10%

N/A

Return on Invested Capital

1.76%

N/A

Free Cash Flow

-$130.86M

-42.1%

Operating Cash Flow

-$130.86M

-42.1%

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Questions About FOA

What is the current price of Finance Of America Companies?

Finance Of America Companies is trading at $24.25 per share.

What is the 52-week range for Finance Of America Companies?

Over the past 52 weeks, Finance Of America Companies has traded between $15.77 and $29.79.

How much debt does Finance Of America Companies have?

As of the most recent reporting period, Finance Of America Companies reported total debt of $30.76B.

How much cash does Finance Of America Companies have on hand?

Finance Of America Companies reported $376.61M in cash and cash equivalents in its most recent financial results.

What is Finance Of America Companies’s dividend yield?

Finance Of America Companies does not currently have a dividend yield.

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