Finance of America Companies Inc
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.
Analyst recommendations
3 analysts · consensus BuyAt a glance
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.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
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
Signals & dispatch
Composite-score breakdown
Synthesis
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.
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.
- 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-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Director · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
- Director, 10% owner · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
- Director · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
- Director · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
- Director · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
- Director · Restricted Stock Units → Class A Common StockAcquired 5 094grant · 2026-05-18
- Director · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
- Director · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
- Director · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
- Director · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
- Director · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
- Director, 10% owner · Restricted Stock Units → Class A Common StockDisposed 4 570exercise · 2026-05-15
- Chief Executive Officer · Restricted Stock Units → Class A Common StockDisposed 40 322exercise · 2026-04-01
- President · Restricted Stock Units → Class A Common StockDisposed 29 362exercise · 2026-04-01
- President · Restricted Stock Units → Class A Common StockDisposed 41 667exercise · 2026-04-01
- President · Restricted Stock Units → Class A Common StockDisposed 13 440exercise · 2026-04-01
- Chief Investment Officer · Restricted Stock Units → Class A Common StockAcquired 87 209grant · 2026-04-01
- Chief Legal Officer · Restricted Stock Units → Class A Common StockDisposed 8 333exercise · 2026-04-01
- Chief Investment Officer · Restricted Stock Units → Class A Common StockDisposed 32 958exercise · 2026-04-01
- Chief Legal Officer · Restricted Stock Units → Class A Common StockDisposed 3 995exercise · 2026-04-01
- Chief Investment Officer · Restricted Stock Units → Class A Common StockDisposed 66 667exercise · 2026-04-01
- Chief Investment Officer · Restricted Stock Units → Class A Common StockDisposed 40 322exercise · 2026-04-01
- Chief Financial Officer · Restricted Stock Units → Class A Common StockAcquired 37 790grant · 2026-04-01
- Chief Financial Officer · Restricted Stock Units → Class A Common StockDisposed 14 082exercise · 2026-04-01
- Chief Accounting Officer · Restricted Stock Units → Class A Common StockDisposed 4 032exercise · 2026-04-01
Actions
Ask Handelsavisen
- Reference data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- 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
- Investment Managers · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2025-12-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Funds · as of 2026-03-310,00 %$0M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
- Chief Investment Officer · Class A Common StockSold 6 000 @ $25,60$154K · 2026-07-13
- President · Class A Common StockSold 750 @ $27,36$21K · 2026-07-01
- Chief Investment Officer · Class A Common StockSold 6 000 @ $25,34$152K · 2026-06-29
- Chief Investment Officer · Class A Common StockSold 8 860 @ $20,49$181K · 2026-06-15
- Chief Investment Officer · Class A Common StockSold 8 252 @ $19,55$161K · 2026-06-01
- President · Class A Common StockSold 750 @ $19,64$15K · 2026-06-01
- Chief Investment Officer · Class A Common StockSold 6 000 @ $19,68$118K · 2026-05-18
- Director · Class A Common StockOther 4 570 · 2026-05-15
- Director · Class A Common StockOther 4 570 · 2026-05-15
- Director · Class A Common StockOther 4 570 · 2026-05-15
- Director · Class A Common StockOther 4 570 · 2026-05-15
- Director · Class A Common StockOther 4 570 · 2026-05-15
- Director, 10% owner · Class A Common StockOther 4 570 · 2026-05-15
- Chief Investment Officer · Class A Common StockSold 5 228 @ $21,39$112K · 2026-05-07
- President · Class A Common StockSold 750 @ $19,54$15K · 2026-05-01
- Chief Investment Officer · Class A Common StockSold 6 000 @ $23,01$138K · 2026-04-20
- Chief Investment Officer · Class A Common StockSold 5 228 @ $17,83$93K · 2026-04-06
- Chief Executive Officer · Class A Common StockOther 40 322 · 2026-04-01
- Chief Accounting Officer · Class A Common StockOther 4 032 · 2026-04-01
- Chief Accounting Officer · Class A Common StockOther 1 377 @ $16,60$23K · 2026-04-01
- Chief Accounting Officer · Class A Common StockOther 8 333 · 2026-04-01
- Chief Accounting Officer · Class A Common StockOther 2 523 @ $16,60$42K · 2026-04-01
- Chief Accounting Officer · Class A Common StockOther 3 995 · 2026-04-01
- Chief Accounting Officer · Class A Common StockOther 1 153 @ $16,60$19K · 2026-04-01
- Chief Legal Officer · Class A Common StockOther 4 032 · 2026-04-01
Short positioning
Geographic breakdown
Intel & risk
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