Finance of America Companies Inc.

NYSE•FOA

CEO: Mr. Brian L. Libman

Sector: Financial Services

Industry: Financial - Credit Services

Listing Date: 2019-04-18

Finance of America Companies Inc. a financial service holding company, through its subsidiaries, engages in the operation of a retirement solutions platform in the United States. It operates through two segments: Retirement Solutions and Portfolio Management. The Retirement Solutions segment engages in the loan origination activities comprising home equity conversion, proprietary reverse, and hybrid mortgage loans for senior homeowners. The Portfolio Management segment provides product development, loan securitization, loan sales, risk management, servicing oversight, and asset management services for borrowers and investors. The company was founded in 2013 and is headquartered in Plano, Texas.

Contact Information

5830 Granite Parkway, Suite 400, Plano, TX, 75024, United States

877-202-2666

www.financeofamerica.com

Market Cap

$164.30M

P/E (TTM)

2.8

29.1

Dividend Yield

52W High

$29.58

52W Low

$16.09

52W Range

Rank55Top 80.0%

2.6

F-Score

Modified Piotroski Analysis

Based on 8-year fundamentals

Weak • 2.6 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2018-2025

Financial Dashboard

Q4 2025 Data

Revenue

$483.03M+0.00%

4-Quarter Trend

EPS

-$1.34+0.00%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Portfolio Income Growth Net portfolio interest income reached $208.00M, reflecting a $9.29M increase for the nine months ended September 30, 2025.

Asset Base Expansion Total assets grew to $30.66B compared to $29.16B at December 31, 2024, showing balance sheet growth.

Cash Position Improvement Cash and restricted cash increased by $100.42M during the nine months ended September 30, 2025, strengthening liquidity.

Retirement Solutions Revenue Retirement Solutions segment revenues grew 5.7% to $68.12M for the three months ended September 30, 2025.

Risk Factors

Net Income Decline Net income attributable to controlling interest fell to $58.28M, down $18.30M compared to $76.58M nine months prior.

Total Revenue Drop Total revenues decreased $19.87M to $423.92M, primarily due to lower net fair value changes on loans and obligations.

Internal Control Weakness Material weakness in internal control over financial reporting regarding cash flow classification remains uncorrected as of September 30, 2025.

Repurchase Price Risk Repurchase closing timeline uncertain; purchase price for Sold Equity may increase if delayed past the Initial Outside Date.

Outlook

Platform Streamlining Success Efforts focus on streamlining marketing, originations operations, and enhancing digital capabilities for unified platform.

New Product Launch Launching AI-powered HELOCs and HELOANs via Better.com partnership to capture new borrower segments.

HMBS 2.0 Integration Anticipating Ginnie Mae HMBS 2.0 program implementation in 2026 to increase securitization eligibility for HECM loans.

Capital Optimization Focus Management continues optimizing balance sheet cash use to avoid unnecessary interest carrying costs moving forward.

Peer Comparison

Revenue (TTM)

FOA

$2.14B

+10.0%

YRD

$864.82M

+10.8%

OPRT

$637.34M

+19.5%

Gross Margin (Latest Quarter)

SSSS

100.0%

+2471.6pp

LIEN

99.7%

-0.3pp

MFIN

96.9%

+5.4pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
PKBK	$322.84M	8.5	12.0%	6.4%
YRD	$308.62M	1.7	12.7%	0.3%
MBCN	$273.63M	14.0	8.8%	9.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-5.5%

Growth Under Pressure

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

Cash Flow Needs Attention

Deep Research

Next earnings:May 4, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data