Finance of America Companies Inc. (FOA) — Stock Score Summary

Finance of America Companies Inc. (FOA) has a MoatMap StockRank of 24/100 based on Quality (34/100), Value (51/100), and Momentum (26/100) factor scores. The current signal is SELL. Finance of America is a highly leveraged microcap financial services company specializing in reverse mortgages. It completely fails the Terry Smith quality filter due to its weak balance sheet, lack of pricing power, and high sensitivity to interest rate cycles, offering no alignment with our core macro themes.

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.

Key Financial Metrics

Price$19.54
Market Cap$180M
P/E (TTM)8.76
P/E (Forward)3.70
Price/Book0.49
Return on Equity15.6%
Debt/Equity2670.33
Gross Margin79.8%
Operating Margin13.0%
Revenue Growth-27.5%

Finance of America Companies Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Finance of America Companies Inc.’s (FOA) StockRank?
MoatMap’s StockRank for Finance of America Companies Inc. (FOA) is 24/100, with a Sell signal. It is a composite of Quality (34), Value (51), and Momentum (26) factor ranks across MoatMap’s 19,000+ stock universe.
Does Finance of America Companies Inc. have an economic moat?
Finance of America Companies Inc. (FOA) has a Quality factor score of 34/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Finance of America Companies Inc. a buy, hold, or sell?
MoatMap’s current signal for Finance of America Companies Inc. (FOA) is Sell, based on a StockRank of 24/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Finance of America Companies Inc. in?
Finance of America Companies Inc. (FOA) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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