Saturday 17 October 2026 Export FOA’s income statement to Excel — free account

Finance of America Companies Inc.

In the quarter to June 2026, revenue fell 64.8%, EPS fell 96.8%, free cash flow fell 90.0% and total debt rose 24.9%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.

11.02 0.03 +0.27%

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Market cap: $279.1M
P/E: 0.0×
Fwd P/E: −9.3×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 2.32

Total sells 97.88

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	3	—	—	—	—	—	—	—
Sell	2	5	2	4	2	3	3	4	2	4	2	2

Insider Ownership 42.44%

Capital & Financial Ratios $m

Market Cap 279.10

Revenue 336.98

Net Income (45.47)

Free Cash Flow (555.32)

Net Debt 36,073.38

Current Ratio 3.02

Debt/Equity 89.53

P/E ratio 0.00

Fwd P/E (9.29)

P/S ratio 0.29

P/B ratio 0.24

Past 5Y EPS Growth —

This Y EPS Growth 50.33%

Next Y EPS Growth 11.89%

Next Y revenue growth (9.50%)

Next 5Y EPS Growth 102.98%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 36.37%

10-year low 10-year high

P/B against its own 10 years 32.53%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2018	Powerpack

special payouts not included in total or ratios

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%)

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	120	62	—	—	—
’25	166	177	81	74	497
’24	75	79	290	—	394
’23	141	(112)	—	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.

value withheld pending a data check

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.

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)	(61.74)
’20	(0.02)	1.28	0.14	0.03	(0.61)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	96.20	94.95	36.60	12.00	6.81	4.10	16.58	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	103.20	109.50	116.65	43.10	22.50	29.97	32.40
People
People	Employees	—	—	—	—	—	6,716	1,943	922	747	784
	Revenue/emp, $m	—	—	—	0.00	0.00	0.26	0.03	0.25	0.53	0.63
Income, $m
Income, $m	Revenue	—	—	—	892	1,800	1,736	53	234	394	497
	Gross margin, %	—	—	—	100.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	—	—	0	78	500	(1,196)	(343)	(167)	43	113
	EBT margin, %	—	—	0.00	8.70	27.79	(68.90)	(650.09)	(71.22)	10.86	22.74
	Net income	—	0	0	77	498	(1,177)	(716)	(218)	36	103
	Depreciation	—	—	0	20	19	1,436	258	61	40	39
Per share, $
Per share, $	Revenue	—	—	0.00	24.81	50.09	290.10	8.47	28.57	40.03	52.16
	Earnings	—	—	0.00	1.22	(0.31)	(45.26)	(30.60)	(9.80)	1.57	4.72
	Cash flow	—	—	0.00	2.81	(19.09)	(16.14)	225.98	(8.73)	(43.02)	(45.06)
	Capex	—	—	0.00	(0.12)	(0.64)	(5.72)	74.25	10.45	0.56	0.00
	Free cash flow	—	—	0.00	2.69	(19.73)	(21.86)	300.23	1.72	(42.46)	(45.06)
	Book value	—	—	0.00	0.14	17.48	180.95	64.98	33.23	32.04	41.48
	Shares, m	—	—	36	36	36	6	6	8	10	10
Valuation, ×
Valuation, ×	P/E	—	—	—	70.03	97.98	0.00	0.00	0.00	18.50	6.47
	P/S	—	—	—	0.00	0.00	0.14	1.55	0.35	0.70	0.46
	P/B	—	—	—	720.91	5.95	0.22	0.20	0.30	0.88	0.58
	EV/Sales	—	—	—	0.00	0.00	11.32	369.74	111.18	71.74	59.79
	EV/FCF	—	—	—	35.63	(30.36)	(150.25)	9.54	7.51	(80.66)	(83.39)
Cash, $m
Cash, $m	Operating cash flow	—	—	0	101	(686)	(97)	1,408	(72)	(424)	(430)
	Capex	—	—	0	(4)	(23)	(34)	463	86	6	—
	Free cash flow	—	—	0	97	(709)	(131)	1,870	14	(418)	(430)
Balance, $m
Balance, $m	Working capital	—	—	0	2	10,109	10,515	10,648	17,158	18,396	18,971
	Total debt	—	—	—	—	18,034	19,881	19,668	26,186	28,317	29,836
	Net debt	—	—	0	(2)	17,495	19,417	19,427	25,962	28,015	29,512
	Shareholders’ equity	—	—	0	5	628	1,083	405	272	316	396
Returns, %
Returns, %	ROA	—	—	0.00	37.04	5.22	(1.22)	(0.89)	(0.33)	0.06	0.15
	ROIC	—	—	0.00	1,342.42	1.75	0.55	(1.15)	(0.38)	0.11	0.27
	ROE	—	—	0.00	2,166.82	163.78	(29.45)	(25.63)	(23.65)	5.27	12.72

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OPRT Oportun Financial Corporation	$423.5M	22.7×	4.6×	−0.48% (below 0%: shrinking)	+13.33% (above 0%: growing)	+5.05% (above 0%: growing)	82.02%	0.00%	Compare
FINV PPDAI Group Inc. Sponsored ADR	$410.6M	2.8×	4.1×	+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.	$318.0M	6.8×	6.4×	+6.71% (above 0%: growing)	−14.95% (below 0%: shrinking)	+1.86% (above 0%: growing)	100.00%	19.97%	Compare
PMTS CPI Card Group Inc.	$297.9M	20.7×	9.0×	+14.97% (above 0%: growing)	+260.00% (above 0%: growing)	+4,762.29% (above 0%: growing)	32.50%	7.95%	Compare
FOA Finance of America Companies Inc.	$279.1M	— (loss-making)	— (loss-making)	−64.77% (below 0%: shrinking)	n/m	−89.96% (below 0%: shrinking)	100.00%	(69.79%)
MFIN Medallion Financial Corp.	$256.9M	8.0×	8.6×	+2.54% (above 0%: growing)	−34.69% (below 0%: shrinking)	+176.13% (above 0%: growing)	69.47%	0.00%	Compare
CPSS Consumer Portfolio Services, Inc.	$200.9M	9.2×	6.8×	+10.59% (above 0%: growing)	+31.82% (above 0%: growing)	+94.93% (above 0%: growing)	100.00%	60.37%	Compare
HTT High Templar Tech Limited - Sponsored ADR	$199.4M	3.5×	— (loss-making)	−90.80% (below 0%: shrinking)	n/m	+347.70% (above 0%: growing)	20.72%	(2,664.81%)	Compare
TROO TROOPS, Inc.	$196.7M	— (loss-making)	—	+10.79% (above 0%: growing)	+101.54% (above 0%: growing)	−94.20% (below 0%: shrinking)	23.83%	0.00%	Compare
Median of peers	$277.4M	8.0×	6.6×	+4.63%	+13.33%	+49.99%	73.96%	3.98%

All 55 Credit Services stocks →

Finance of America Companies Inc. (FOA) key facts

Finance of America Companies Inc. (FOA) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, FOA traded at $11.02, a market capitalization of $279.1 million.
Return on equity was 12.7% and debt-to-equity 89.53.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.