NYSE · Financial - Credit Services

FOA (FOA) Stock

$23.76 +1.71% NYSE: FOA Financial Services

Valuation

MetricValue
Price$23.76
Market Cap$212.33M
P/E Ratio1.67
P/B Ratio0.54
P/S Ratio0.09
EPS (TTM)$11.86
52-Week High$29.58
52-Week Low$15.77
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE13.89%
ROA0.15%
ROCE28.61%
Gross Margin5.31%
Operating Margin5.31%
Net Margin1.58%
Debt/Equity88.46
Current Ratio7.93

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.3B$687.0M$1.6B$1.9B$2.1B
Operating Profit$207.0M$-343.0M$-167.0M$43.0M$113.0M
Net Profit$-252.0M$-191.0M$-80.0M$15.0M$45.0M
EPS$-13.30$-10.09$-9.77$1.56$11.86
Op Margin15.7%-49.9%-10.6%2.2%5.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$21.8B$20.9B$27.1B$29.2B$30.7B
Total Liabilities$20.7B$20.5B$26.8B$28.8B$30.3B
Cash$143.0M$61.0M$46.0M$47.0M$325.0M
Borrowings$20.3B$20.1B$26.6B$28.7B$30.2B

Latest News

Finance of America Named to TIME’s America’s Best Companies 2026 List Business Wire · Jul 9, 2026 Finance of America Creates Access to Home Equity through Product Expansion and AI-Powered Customer Experience Business Wire · Jul 7, 2026 Finance of America Companies (FOA) Upgraded to Buy: What Does It Mean for the Stock? Zacks · Jul 2, 2026 Finance of America Completes Acquisition of Reverse Mortgage Assets from Onity Business Wire · Jul 1, 2026 Zacks Industry Outlook Highlights Federal Agricultural Mortgage, Lending Tree and Finance of America Zacks · Jul 1, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$-97.0M$1.4B$-72.0M$-424.0M$-430.0M
Investing Cash Flow$-1.6B$-1.8B$158.0M$115.0M$855.0M
Financing Cash Flow$-9.0M$-7.0M$-3.0M$-10.0M$-44.0M
Net Cash Flow$463.0M$-223.0M$-53.0M$77.0M$23.0M
Free Cash Flow$-115.0M$1.4B$-72.0M$-424.0M$-430.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA197.75
FCF Yield-266.46%
Quick Ratio0.11
Interest Coverage0.07
Return 1Y13.39%
Return 3Y37.19%
Return 5Y-60.21%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ANTA $3.40 +3.98% 11.59 $81.57M 0.00%
CURRCurrenc Group, Inc. $3.26 +0.46% -9.57 $249.25M 0.00%
FDBC $52.99 +2.77% 9.26 $307.62M 3.73%
LPRO $3.15 +0.32% -45.75 $372.71M 0.00%
MFIN $9.93 +0.10% 5.34 $229.51M 5.35%

About FOA

FOA is led by CEO Graham A. Fleming, employs 751 people, headquartered in US, publicly traded since 2019.

FOA stock trades at $23.76 with a market capitalization of $212.33M. The stock is valued at a price-to-earnings (P/E) ratio of 1.67, price-to-book of 0.54, price-to-sales of 0.09. Over the past 52 weeks the stock has ranged between $15.77 and $29.58, and currently trades 19.7% below its 52-week high.

On profitability, FOA generates a return on equity (ROE) of 13.89%, above the typical market average, return on capital employed of 28.61%, an operating margin of 5.31%, a net profit margin of 1.58%.

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