Finance of America Companies Inc. (FOA) vs TROOPS, Inc. (TROO)

Finance of America Companies Inc. and TROOPS, Inc. are both Credit Services companies. Finance of America Companies Inc. is the larger, with a market value of $365.5M against $219.9M — 1.7× the size. TROOPS, Inc. grew revenue faster over the last twelve months: −23.0% against −42.3%. Finance of America Companies Inc. has the higher net margin (−0.10% vs −115.9%) and the lower return on invested capital (−0.12% vs 0.00%). Across the 15 metrics below, TROOPS, Inc. leads on 10 and Finance of America Companies Inc. on 5.

Valuation

Metric FOA TROO Credit Services median
P/E n/m n/m 9.64
P/S 0.38 n/m 0.87
P/B 0.32 n/m 1.16
Price to free cash flow n/m n/m 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 107.43 1.44 2.32
Earnings yield (2.48%) (4.52%) 6.72%
Free cash flow yield (373.45%) 0.00% 12.33%

Profitability

Metric FOA TROO Credit Services median
Gross margin 100.00% (10.20%) 77.13%
Operating margin (20.35%) 0.00% 0.34%
Net margin (0.10%) (115.89%) 9.25%
Free cash flow margin (164.79%) 0.00% 13.03%
Return on equity (0.08%) 0.00% 8.49%
Return on assets 0.00% 0.00% 2.29%
Return on invested capital (0.12%) 0.00% 4.09%

Growth

Metric FOA TROO Credit Services median
Revenue growth (TTM) (42.27%) (23.02%) 4.62%
EPS growth (last fiscal year) 216.95% (76.92%) —
Revenue growth, 5-year CAGR (22.12%) 31.83% 9.13%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric FOA TROO Credit Services median
Debt to equity 89.53 0.00 0.68
Current ratio 3.02 0.92 1.55
Net debt to EBITDA 177.25 0.15 0.13

Dividend

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

Size

Metric FOA TROO Credit Services median
Market cap 365.45m 219.89m 872.19m

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