Finance of America Companies Inc. (FOA) vs High Templar Tech Limited - Sponsored ADR (HTT)

Finance of America Companies Inc. and High Templar Tech Limited - Sponsored ADR are both Credit Services companies. Finance of America Companies Inc. is the larger, with a market value of $365.5M against $226.5M — 1.6× the size. Finance of America Companies Inc. has negative trailing earnings, so its P/E is not meaningful; High Templar Tech Limited - Sponsored ADR trades at 4.0×. Finance of America Companies Inc. grew revenue faster over the last twelve months: −42.3% against −80.2%. High Templar Tech Limited - Sponsored ADR has the higher net margin (1,729.9% vs −0.10%) and the lower return on invested capital (−7.35% vs −0.12%). Across the 19 metrics below, High Templar Tech Limited - Sponsored ADR leads on 12 and Finance of America Companies Inc. on 7.

Valuation

Metric FOA HTT Credit Services median
P/E n/m 4.02 9.64
P/S 0.38 66.70 0.87
P/B 0.32 0.23 1.16
Price to free cash flow n/m 8.11 2.99
EV/EBITDA n/m 13.71 9.58
EV/Sales 107.43 (133.37) 2.32
Earnings yield (2.48%) 24.90% 6.72%
Free cash flow yield (373.45%) 12.33% 12.33%

Profitability

Metric FOA HTT Credit Services median
Gross margin 100.00% 7.13% 77.13%
Operating margin (20.35%) (972.58%) 0.34%
Net margin (0.10%) 1,729.90% 9.25%
Free cash flow margin (164.79%) 822.54% 13.03%
Return on equity (0.08%) 6.31% 8.49%
Return on assets 0.00% 5.55% 2.29%
Return on invested capital (0.12%) (7.35%) 4.09%

Growth

Metric FOA HTT Credit Services median
Revenue growth (TTM) (42.27%) (80.24%) 4.62%
EPS growth (last fiscal year) 216.95% 771.43% —
Revenue growth, 5-year CAGR (22.12%) (59.90%) 9.13%
Net income growth, 5-year CAGR 0.00% (7.16%) 0.00%

Health

Metric FOA HTT Credit Services median
Debt to equity 89.53 0.14 0.68
Current ratio 3.02 5.75 1.55
Net debt to EBITDA 177.25 23.71 0.13

Dividend

Metric FOA HTT Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric FOA HTT Credit Services median
Market cap 365.45m 226.45m 872.19m

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