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

Finance of America Companies Inc.

FOA Financial Credit Services

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%
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) (negative: loss-making)
P/S ratio 0.29
P/B ratio 0.24
Past 5Y EPS Growth —
This Y EPS Growth 50.33% (at or above 15%: strong)
Next Y EPS Growth 11.89%
Next Y revenue growth (9.50%) (below 0%: weak)
Next 5Y EPS Growth 102.98% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Finance of America Companies Inc. (FOA) Latest News

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stockrow.com/FOA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com