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Companies Financials FOA.O
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FOA.O NASDAQ Financial Services

Finance of America Companies Inc

$23,36
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USD
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Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
629,1M USD
P/E
EV / Rev
Div yield
Op margin
ROE
11,4 %
Net margin
9,1 %
Debt / equity
0,90
Beta
52w range
Volume
Day range
Prev close
$22,85
Open
Next earnings
2026-10-28
Ex-dividend
TR 1Y
About

Finance of America Companies Inc operates in the Financial Services sector, generating revenue through financial intermediation activities.

Business. Finance of America Companies Inc (FOA.O) is a financial services company listed on the NASDAQ exchange. The firm operates within the Financials sector, providing financial services to its customers. Specific details regarding its operating segments and geographic presence are not available. The company is headquartered in the United States.

Classification85 %
SectorFinancials
Industry groupFinancial Services
Generated · model-assisted
Sell-side consensus
BUY3 analysts
2 buy1 hold0 sell
Avg 12m price target27,50

Analyst recommendations

3 analysts · consensus Buy
Buy2
Hold1
Sell0
12-month price target
27,50
Consensus of sell-side coverage.
Upcoming events
  • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
Buy
3 analysts · indicative
Ownership
American Century Investment Management, Inc.
largest disclosed fund holder
Profitability
11,4 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning FOA.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to FOA.O. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Company
    • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Finance of America Companies Inc (FOA.O) is a financial services company listed on the NASDAQ exchange. The firm operates within the Financials sector, providing financial services to its customers. Specific details regarding its operating segments and geographic presence are not available. The company is headquartered in the United States.

    Classification85 %
    SectorFinancials
    Industry groupFinancial Services
    AI synthesis
    GENERATED

    Finance of America Companies Inc maintains a highly leveraged capital structure, with total liabilities of $30.34 billion against total assets of $30.73 billion, resulting in a thin equity base of $395.6 million. The debt-to-equity ratio stands at 0.9, while the price-to-book ratio is 1.56, indicating the market values the equity at a modest premium to its book value. Liquidity is assessed as medium risk, with cash and equivalents of $89.5 million offset by long-term debt of $357.5 million, leading to a negative net cash position. The current operating cash flow is negative at -$429.7 million, highlighting significant cash outflows in the latest period.

    Profitability metrics show a return on equity of 11.43% and a return on assets of 0.15%, reflecting the efficiency of the equity base despite the low asset turnover. The company reported net income of $45.2 million on revenue of $497.4 million, yielding a net margin of approximately 9.1%. The price-to-earnings ratio is 13.6, suggesting a reasonable valuation relative to earnings, while the EV-to-revenue multiple is 1.78.

    Segment and geographic revenue concentration data is not available in the provided input, preventing a detailed analysis of revenue mix or regional exposure.

    Growth trajectory analysis is limited due to the absence of historical period data in the input, preventing a comparison of revenue or net income trends over the past five years.

    Risk assessment indicates medium liquidity risk and low dilution risk, with a key flag noting that net cash is negative after subtracting total debt. The company has 26.93 million basic and diluted shares outstanding, with no immediate signs of share count expansion.

    Recent IR observations show a mean analyst price target of $27.50, with a high of $30.00 and a low of $25.00, implying potential upside from the current market price of $22.85. The mean recommendation is 2.33, with two buy ratings and one hold rating, indicating moderate analyst optimism.

    Key takeaways
    • High leverage with a debt-to-equity ratio of 0.9 and total liabilities nearing total assets.
    • Negative operating cash flow of -$429.7 million raises liquidity concerns despite medium risk rating.
    • Analyst consensus suggests upside potential with a mean price target of $27.50 vs current price of $22.85.
    • Low dilution risk with stable share count of 26.93 million basic and diluted shares.
    • Modest valuation multiples with P/E of 13.6 and P/B of 1.56.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $23,36
    Market cap
    $615.4M
    Enterprise value
    $883.4M
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    1.6x
    P / Tangible book
    1.6x
    Tangible book
    $395.6M
    Net cash
    -$268.0M
    Current ratio
    Debt / equity
    0.9
    ROA
    0.1%
    ROE
    11.4%
    Cash conversion
    -950.0%
    CapEx / revenue
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    Business relationships8 disclosed relationships · 2 types · extracted from filings & disclosures
    Partners2
    Blue Owl Capital CorpOBDC.OPartner95%Source ↗
    Subsidiaries6
    EX21:0e923c96a77bEX21:0e923c96a77bSubsidiarie97%
    EX21:10021ad1edf2EX21:10021ad1edf2Subsidiarie97%
    EX21:12e10e549601EX21:12e10e549601Subsidiarie97%
    EX21:20d65a66e077EX21:20d65a66e077Subsidiarie97%
    EX21:4434602c24eaEX21:4434602c24eaSubsidiarie97%
    EX21:7a9ea35e96f6EX21:7a9ea35e96f6Subsidiarie97%

    Supply chain

    Vendors → FOA ↔ Partners → Customers · click any node to drill
    VENDORSPARTNERSCUSTOMERSFOAFOAFinance of America Companies Inc8 entitiesBlue Owl Capital CorpCapital MarketsUSOnity Group IncBanksUS
    2 mentions in 10-K0 from corporate websites0 from news dispatches
    Updated 2026-06-24

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution3 analysts
    Strong buy0
    Buy2
    Hold1
    Sell0
    Strong sell0
    12-month price target$27,50 · Median $27,50
    Low $25,00High $30,00
    Operating income · consensus76,9M USD
    EPS surprise
    −34,8 %
    reported vs consensus · miss
    Revenue surprise
    −1,7 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$25,00
    Mean$27,50
    Median$27,50
    High$30,00
    Spot$23,36
    +17.7 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin9,1 %Above median
    ROE11,4 %Above P75
    D/E0,90Below median
    Cash Conv-9,50Bottom quartile

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    Derivative transactions

    Net disposed 2 510 130 sh23 exercises · 12 grants13 insiders
    • Essex AndrewDirector · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
    • LIBMAN BRIAN LDirector, 10% owner · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
    • Gardner CoryDirector · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
    • Corio NormaDirector · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
    • Pratcher Tyson AnwarDirector · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
    • West LanceDirector · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
    • Essex AndrewDirector · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
    • West LanceDirector · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
    • Pratcher Tyson AnwarDirector · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
    • Corio NormaDirector · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
    • Gardner CoryDirector · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
    • LIBMAN BRIAN LDirector, 10% owner · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
    • Fleming GrahamChief Executive Officer · Restricted Stock Units → Class A Common StockDisposed 40 322exercise · 2026-04-01
    • Sieffert Kristen NPresident · Restricted Stock Units → Class A Common StockDisposed 29 362exercise · 2026-04-01
    • Sieffert Kristen NPresident · Restricted Stock Units → Class A Common StockDisposed 41 667exercise · 2026-04-01
    • Sieffert Kristen NPresident · Restricted Stock Units → Class A Common StockDisposed 13 440exercise · 2026-04-01
    • Prahm JeremyChief Investment Officer · Restricted Stock Units → Class A Common StockAcquired 87 209grant · 2026-04-01
    • Richmond LaurenChief Legal Officer · Restricted Stock Units → Class A Common StockDisposed 8 333exercise · 2026-04-01
    • Prahm JeremyChief Investment Officer · Restricted Stock Units → Class A Common StockDisposed 32 958exercise · 2026-04-01
    • Richmond LaurenChief Legal Officer · Restricted Stock Units → Class A Common StockDisposed 3 995exercise · 2026-04-01
    • Prahm JeremyChief Investment Officer · Restricted Stock Units → Class A Common StockDisposed 66 667exercise · 2026-04-01
    • Prahm JeremyChief Investment Officer · Restricted Stock Units → Class A Common StockDisposed 40 322exercise · 2026-04-01
    • Engel Matthew AChief Financial Officer · Restricted Stock Units → Class A Common StockAcquired 37 790grant · 2026-04-01
    • Engel Matthew AChief Financial Officer · Restricted Stock Units → Class A Common StockDisposed 14 082exercise · 2026-04-01
    • Thornock Tai A.Chief Accounting Officer · Restricted Stock Units → Class A Common StockDisposed 4 032exercise · 2026-04-01

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Reference data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Price To Tangible Book
      market_price / (tangible_book_value / shares_outstanding_diluted)
    • Price To Book
      market_price / (adjusted_book_value / shares_outstanding_diluted)
    • Return On Equity
      net_income / total_equity
    • Enterprise Value
      market_cap - net_cash
    • Ev To Revenue
      enterprise_value / revenue
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    Source documents
    • FINANCE OF AMERICA COMPANIES INC. Market data — financials · 2026-07-27
    • Finance of America Companies Inc Market data — analyst estimates · 2026-07-27
    • Finance of America Companies Inc Market data — ESG · 2026-07-27
    • Finance of America Companies Inc HA canonical relationships · 2026-07-27

    Ownership & reference

    Top holders

    • American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$3M
    • Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,00 %$2M
    • First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$0M
    • Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$2M
    • Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$1M
    • Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$0M
    • Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$1M
    • UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$0M
    • Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$4M
    • Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$0M
    • State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$1M
    • Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$0M
    • Invesco QQQ TrustFunds · as of 2026-03-310,00 %$0M
    • Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$0M
    • FMR LLCInstitutional Investor · as of 2026-03-310,00 %$0M
    • PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
    • JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M

    Insider activity

    Net selling4 buys · 18 sellsnet -$14,9M15 insiders · last 365d
    • Prahm JeremyChief Investment Officer · Class A Common StockSold 6 000 @ $25,60$154K · 2026-07-13
    • Sieffert Kristen NPresident · Class A Common StockSold 750 @ $27,36$21K · 2026-07-01
    • Prahm JeremyChief Investment Officer · Class A Common StockSold 6 000 @ $25,34$152K · 2026-06-29
    • Prahm JeremyChief Investment Officer · Class A Common StockSold 8 860 @ $20,49$181K · 2026-06-15
    • Prahm JeremyChief Investment Officer · Class A Common StockSold 8 252 @ $19,55$161K · 2026-06-01
    • Sieffert Kristen NPresident · Class A Common StockSold 750 @ $19,64$15K · 2026-06-01
    • Prahm JeremyChief Investment Officer · Class A Common StockSold 6 000 @ $19,68$118K · 2026-05-18
    • Corio NormaDirector · Class A Common StockOther 4 570 · 2026-05-15
    • West LanceDirector · Class A Common StockOther 4 570 · 2026-05-15
    • Pratcher Tyson AnwarDirector · Class A Common StockOther 4 570 · 2026-05-15
    • Gardner CoryDirector · Class A Common StockOther 4 570 · 2026-05-15
    • Essex AndrewDirector · Class A Common StockOther 4 570 · 2026-05-15
    • LIBMAN BRIAN LDirector, 10% owner · Class A Common StockOther 4 570 · 2026-05-15
    • Prahm JeremyChief Investment Officer · Class A Common StockSold 5 228 @ $21,39$112K · 2026-05-07
    • Sieffert Kristen NPresident · Class A Common StockSold 750 @ $19,54$15K · 2026-05-01
    • Prahm JeremyChief Investment Officer · Class A Common StockSold 6 000 @ $23,01$138K · 2026-04-20
    • Prahm JeremyChief Investment Officer · Class A Common StockSold 5 228 @ $17,83$93K · 2026-04-06
    • Fleming GrahamChief Executive Officer · Class A Common StockOther 40 322 · 2026-04-01
    • Thornock Tai A.Chief Accounting Officer · Class A Common StockOther 4 032 · 2026-04-01
    • Thornock Tai A.Chief Accounting Officer · Class A Common StockOther 1 377 @ $16,60$23K · 2026-04-01
    • Thornock Tai A.Chief Accounting Officer · Class A Common StockOther 8 333 · 2026-04-01
    • Thornock Tai A.Chief Accounting Officer · Class A Common StockOther 2 523 @ $16,60$42K · 2026-04-01
    • Thornock Tai A.Chief Accounting Officer · Class A Common StockOther 3 995 · 2026-04-01
    • Thornock Tai A.Chief Accounting Officer · Class A Common StockOther 1 153 @ $16,60$19K · 2026-04-01
    • Richmond LaurenChief Legal Officer · Class A Common StockOther 4 032 · 2026-04-01

    Short positioning

    547.7Kshares short-1.5% vs prior
    7.16days to cover
    44.2%short of daily vol
    28fails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    FOACanonical
    NASDAQ · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    FOAOBDC.OONIT.KEX21:0e9EX21:100EX21:12eEX21:20dEX21:443EX21:7a9Financial Serv
    This companySectorPartnersSubsidiaries

    Evidence & claims

    From filings & derived data
    • Total liabilities (annual): USD 30.34BUnknown
    • Net income (annual): USD 45.23MUnknown
    • Revenue (annual): USD 497.43MUnknown
    • Cash & equivalents (annual): USD 89.5MUnknown
    • EPS (diluted) (annual): USD-PER-SHARES 4Unknown
    • EPS (basic) (annual): USD-PER-SHARES 5Unknown
    • Total operating expenses (annual): USD 369.53MUnknown
    • Pre-tax income (annual): USD 113.1MUnknown
    • Total assets (annual): USD 30.73BUnknown
    • Operating cash flow (annual): USD -429.75MUnknown
    • Long-term debt (annual): USD 357.55MUnknown
    • Total assets (annual): USD 29.16BUnknown
    • Cash & equivalents (annual): USD 47.38MUnknown
    • Revenue (annual): USD 394.36MUnknown
    • Net income (annual): USD 15.49MUnknown
    • Total operating expenses (annual): USD 343.73MUnknown
    • Long-term debt (annual): USD 374.51MUnknown
    • Operating cash flow (annual): USD -423.81MUnknown
    • Total liabilities (annual): USD 28.84BUnknown
    • EPS (diluted) (annual): USD-PER-SHARES 1Unknown
    • Pre-tax income (annual): USD 42.82MUnknown
    • EPS (basic) (annual): USD-PER-SHARES 2Unknown
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
    2026-08-04 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
    2026-07-13INSIDERPrahm Jeremy sold 6.0k sh Class A Common Stock — Chief Investment Officer ~$154k
    2026-07-01INSIDERSieffert Kristen N sold 750 sh Class A Common Stock — President ~$21k
    2026-06-29INSIDERPrahm Jeremy sold 6.0k sh Class A Common Stock — Chief Investment Officer ~$152k
    2026-06-15 00:00 UTCINSIDER3 insider transactions — 2026-06 · net sell $358k
    2026-06-15INSIDERPrahm Jeremy sold 8.9k sh Class A Common Stock — Chief Investment Officer ~$181k
    2026-06-01INSIDERSieffert Kristen N sold 750 sh Class A Common Stock — President ~$15k
    2026-06-01INSIDERPrahm Jeremy sold 8.3k sh Class A Common Stock — Chief Investment Officer ~$161k
    2026-05-21FILING8-K filing →
    2026-05-18 00:00 UTCINSIDER21 insider transactions — 2026-05 · net sell $245k 12 derivative
    2026-05-18INSIDERPrahm Jeremy sold 6.0k sh Class A Common Stock — Chief Investment Officer ~$118k
    2026-05-18INSIDERLIBMAN BRIAN L acquired 5.1k sh Restricted Stock Units — Director, 10% owner
    2026-05-18INSIDERCorio Norma acquired 5.1k sh Restricted Stock Units — Director
    2026-05-18INSIDERWest Lance acquired 5.1k sh Restricted Stock Units — Director
    2026-05-18INSIDEREssex Andrew acquired 5.1k sh Restricted Stock Units — Director
    2026-05-18INSIDERPratcher Tyson Anwar acquired 5.1k sh Restricted Stock Units — Director
    2026-05-18INSIDERGardner Cory acquired 5.1k sh Restricted Stock Units — Director
    2026-05-15INSIDERCorio Norma transacted 4.6k sh Class A Common Stock — Director
    2026-05-15INSIDERWest Lance transacted 4.6k sh Class A Common Stock — Director
    2026-05-15INSIDERPratcher Tyson Anwar transacted 4.6k sh Class A Common Stock — Director
    2026-05-15INSIDERGardner Cory transacted 4.6k sh Class A Common Stock — Director
    2026-05-15INSIDEREssex Andrew transacted 4.6k sh Class A Common Stock — Director
    2026-05-15INSIDERLIBMAN BRIAN L transacted 4.6k sh Class A Common Stock — Director, 10% owner
    2026-05-15INSIDERWest Lance disposed of 4.6k sh Restricted Stock Units — Director
    2026-05-15INSIDERGardner Cory disposed of 4.6k sh Restricted Stock Units — Director
    2026-05-15INSIDERPratcher Tyson Anwar disposed of 4.6k sh Restricted Stock Units — Director
    2026-05-15INSIDERLIBMAN BRIAN L disposed of 4.6k sh Restricted Stock Units — Director, 10% owner
    2026-05-15INSIDERCorio Norma disposed of 4.6k sh Restricted Stock Units — Director
    2026-05-15INSIDEREssex Andrew disposed of 4.6k sh Restricted Stock Units — Director
    2026-05-11FILING10-Q filing →
    2026-05-07INSIDERPrahm Jeremy sold 5.2k sh Class A Common Stock — Chief Investment Officer ~$112k
    2026-05-05FILING8-K filing →
    2026-05-05FILING8-K filing →
    2026-05-01INSIDERSieffert Kristen N sold 750 sh Class A Common Stock — President ~$15k
    2026-04-20 00:00 UTCINSIDER60 insider transactions — 2026-04 · net sell $3.0M 23 derivative
    2026-04-20INSIDERPrahm Jeremy sold 6.0k sh Class A Common Stock — Chief Investment Officer ~$138k
    2026-04-07FILINGDEF 14A filing →
    2026-04-06INSIDERPrahm Jeremy sold 5.2k sh Class A Common Stock — Chief Investment Officer ~$93k
    2026-04-03FILING8-K filing →
    Showing the 40 most recent of 59 entries.
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage