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Finance of America Companies Inc.

FOA Financial Credit Services

Finance of America Companies Inc.’s revenue for fiscal 2025 (year ended December 2025) was $497.4 million, up 26.1% from fiscal 2024.

Revenue
−64.8%
EPS
−96.8%
Free cash flow
−90.0%
Total debt
+24.9%

Quarter to June 2026, against a year earlier

12.78 0.05 −0.39%
Market cap
$222.1M
P/E
0.0×
Fwd P/E
2.6×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 2.32
Sold, $m 97.89
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 3 — — — — — — — —
Sell 4 2 4 2 3 3 4 2 4 2 3 1
Insider Ownership 42.44%

Capital & Financial Ratios $m

Size
Market Cap 222.05
Revenue ttm 336.98
Net income ttm (45.47)
Free cash flow ttm (555.32)
Net debt Q 36,073.38
Valuation
P/E 0.00
Forward P/E 2.60
Price / sales 0.34
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.28
Financial health
Current ratio Q 3.02
Debt / equity Q 89.53
Interest coverage Q —
Growth
Revenue growth Q −64.77% (below 0%: shrinking)
Operating income growth Q −149.38% (below 0%: shrinking)
EPS, this year +50.33% (at or above 15%: strong)
EPS, next year A +11.89%
Revenue, next year A −9.50% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +102.98% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 44.03%
10-year low 10-year high
P/B against its own 10 years 40.16%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 225 302 325 340
Receivables — — — —
Inventory — — — —
Other 26,396 28,478 30,032 36,490
26,621 28,780 30,356 36,830
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt 8,833 9,872 10,924 11,696
Other — — — —
9,463 10,385 11,385 12,192

Compound Annual Growth %

10y 5y 3y
Sales — (22.68%) 111.25%
Cash Flow 0.00% 0.00% 0.00%
Earnings 27.45% (38.60%) 0.00%
Book Value 4.05% (8.83%) (0.76%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.26 Actual 0.28

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY24 0.45 0.21 Miss by 0.24
Q1 FY26 0.84 1.10 Beat by 0.26
Q2 FY26 1.09 0.84 Miss by 0.25
Q3 FY26 1.26 0.28 Miss by 0.98
Q4 FY26 1.39 — Reports 9 March 2027

EPS $

Mar Jun Sep Dec Year
’26 0.88 (1.28) — — —
’25 2.43 2.13 (1.27) (1.34) 3.74
’24 (0.80) (0.30) 7.50 (5.95) 1.18
’23 0.70 (9.10) (7.50) 5.30 (9.80)
’22 (3.00) (7.00) (13.50) (7.70) (31.20)
’21 1.87 (0.25) (0.07) (0.49) (65.20)
’20 (0.02) 1.28 0.14 0.03 (0.61)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 120 62 — — —
’25 166 177 81 74 497
’24 75 79 290 (49) 394
’23 141 (112) (70) 276 234
’22 46 (21) (38) 65 53
’21 508 389 457 383 1,736
’20 — 465 607 727 1,800
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (131) (183) — — —
’25 (92) (96) (150) (91) (430)
’24 (132) (104) (81) (106) (424)
’23 222 (106) (126) (61) (72)
’22 324 431 306 347 1,408
’21 118 (10) (63) (142) (97)
’20 0 (117) (260) (309) (686)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (131) (183) — — —
’25 (92) (96) (150) (91) (430)
’24 (128) (104) (76) (106) (418)
’23 300 (106) (2,461) 24 14
’22 416 522 (4,962) 6,069 1,870
’22 — — — — 1,408
’21 113 (15) (3,876) 3,647 (131)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — 892 1,800 1,736 53 234 394 497 337 (9.3%) 450 554 — +5.5%
Gross margin, % — — — 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT — — 0 78 500 (1,196) (343) (167) 43 113 (85) n/m
EBT margin, % — — 0.00 8.70 27.79 (68.90) (650.09) (71.22) 10.86 22.74 (25.33) +22.7 pt
Net income — 0 0 77 498 (1,177) (716) (218) 36 103 (45) n/m
Per share, $
Per share, $ Revenue — — 0.00 0.00 0.00 290.10 8.47 28.57 40.03 52.16 37.81 n/m
Earnings — — 0.00 — — (62.10) (30.60) (9.80) 1.57 4.72 (0.36) n/m
Cash flow — — 0.00 0.00 0.00 (16.14) 225.98 (8.73) (43.02) (45.06) (62.31) n/m
Capex — — 0.00 0.00 0.00 (5.72) 74.25 10.45 0.56 0.00 0.00 n/m
Free cash flow — — 0.00 0.00 0.00 (21.86) 300.23 1.72 (42.46) (45.06) (62.31) n/m
Book value — — 0.00 0.00 0.00 180.95 64.98 33.23 32.04 41.48 45.64 n/m
Shares, m — — 36 29 29 6 6 8 10 10 9 (17.3%)
Valuation, ×
Valuation, × P/E — — — 70.03 97.98 0.00 0.00 0.00 18.50 6.47 0.00 27.6
P/S — — — 0.00 0.00 0.14 1.55 0.35 0.70 0.46 0.34 0.5
P/B — — — 720.91 5.95 0.22 0.20 0.30 0.88 0.58 0.28 104.1
EV/Sales — — — 0.00 0.00 11.32 369.74 111.18 71.74 59.79 — 89.1
EV/FCF — — — 35.63 (30.36) (150.25) 9.54 7.51 (80.66) (83.39) — (41.7)
Cash, $m
Cash, $m Operating cash flow — — 0 101 (686) (97) 1,408 (72) (424) (430) (555) n/m
Capex — — 0 (4) (23) (34) 463 86 6 — 96 n/m
Free cash flow — — 0 97 (709) (131) 1,870 14 (418) (430) (555) n/m
Balance, $m
Balance, $m Working capital — — 0 2 10,109 10,515 10,648 17,158 18,396 18,971 24,638 n/m
Net debt — — 0 (2) 17,495 19,417 19,427 25,962 28,015 29,512 36,073 n/m
Shareholders’ equity — — 0 5 628 1,083 405 272 316 396 407 +304.6%
Returns, %
Returns, % ROA — — 0.00 37.04 5.22 (1.22) (0.89) (0.33) 0.06 0.15 0.00 +0.2 pt
ROIC — — 0.00 1,342.42 1.75 0.55 (1.15) (0.38) 0.11 0.27 (0.12) +0.3 pt
ROE — — 0.00 2,166.82 163.78 (29.45) (25.63) (23.65) 5.27 12.72 (0.08) +12.7 pt
People
People Employees — — — — — 6,716 1,943 922 747 784 — (41.5%)
Revenue/emp, $m — — — 0.00 0.00 0.26 0.03 0.25 0.53 0.63 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Finance of America Companies Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FINV PPDAI Group Inc. Sponsored ADR $376.9M 2.6× 3.4× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42% Compare
RM Regional Management Corp. $336.6M 7.2× 7.2× +8.03% (above 0%: growing) +9.80% (above 0%: growing) −5.64% (below 0%: shrinking) 100.00% 24.60% Compare
PMTS CPI Card Group Inc. $286.3M 17.1× 14.7× +14.78% (above 0%: growing) +115.00% (above 0%: growing) +90.21% (above 0%: growing) 31.73% 9.89% Compare
MFIN Medallion Financial Corp. $223.7M 8.6× 8.8× +10.13% (above 0%: growing) −67.65% (below 0%: shrinking) +176.13% (above 0%: growing) 66.95% 0.00% Compare
FOA Finance of America Companies Inc. $222.1M — (loss-making) 2.6× −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%)
CPSS Consumer Portfolio Services, Inc. $215.9M 9.1× 6.8× +21.66% (above 0%: growing) +45.45% (above 0%: growing) +11.04% (above 0%: growing) 100.00% 61.10% Compare
TROO TROOPS, Inc. $212.6M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
HTT High Templar Tech Limited - Sponsored ADR $161.2M 2.9× — (loss-making) −90.80% (below 0%: shrinking) n/m +347.70% (above 0%: growing) 20.72% (2,664.81%) Compare
XYF X Financial Sponsored ADR $107.3M 2.2× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62% Compare
Median of peers $219.8M 7.2× 7.2× +9.08% +9.80% +50.63% 62.29% 13.66%

All 53 Credit Services stocks →

Finance of America Companies Inc. (FOA) Latest News

4 Nov

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3 Nov

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23 Jun

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27 Jan

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stockrow.com/FOA · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com