Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FOA
Strong SellSinkerFinance of America Companies Inc. · Financial Services · United States · $166M · Avg Vol: $849K/d
COMPANY DESCRIPTION
Finance of America Companies Inc. is a leading specialty finance platform that provides a diverse range of home equity retirement solutions, primarily focusing on reverse mortgages. The company holds a dominant market share in the US reverse mortgage sector, leveraging proprietary distribution channels and specialized underwriting expertise. Its competitive advantage is driven by its focus on the aging US demographic and its vertically integrated origination and servicing platform.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | -32.4M | 177.0M | 270.6M | 412.0M | 52.5% | 337.0M | 450.2M | 554.0M | 16.0% |
| EPS | -30.60 | -9.80 | 1.57 | 4.72 | 200.6% | -0.34 | 4.57 | 5.11 | 4.1% |
| Shares | 6.3M | 9.6M | 9.9M | 7.9M | +24.5% | 9.2M | — | — | — |
| Debt | 20.1B | 26.3B | 28.7B | 30.2B | 14.5% | 12.1B | — | — | — |
| Equity | 253.9M | 232.3M | 255.3M | 323.9M | 8.4% | — | — | — | — |
| Op CF | 1.4B | -71.6M | -423.8M | -429.7M | — | -555.3M | — | — | — |
| Inv CF | -1.8B | 158.1M | 340.9M | 854.9M | — | — | — | — | — |
| Fin CF | 225.2M | -139.2M | 160.1M | -402.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FOA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FOA | Finance of America Companies Inc.(you) | $166M | 13 | Strong Sell |
| SUIG | SUI Group Holdings Limited | $73M | 9 | Strong Sell |
| VRM | Vroom, Inc. | $51M | 18 | Strong Sell |
| CPSS | Consumer Portfolio Services, Inc. | $203M | 43 | Hold |
| PRAA | PRA Group, Inc. | $721M | 34 | Sell |
| OPFI | OppFi Inc. | $602M | 40 | Hold |
| NAVI | Navient Corporation | $887M | 35 | Sell |
| GDOT | Green Dot Corporation | $760M | 42 | Hold |
| UPST | Upstart Holdings, Inc. | $2.8B | 22 | Sell |
| RM | Regional Management Corp. | $300M | 72 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%