YOLFTbeta
Finance of America Companies Inc

Finance of America Companies Inc

FOA · NYSE · Financial Services / Credit Services

10.85USD-0.09 (-0.82%)

Price History

Full chart

Market Stats

Previous Close10.94
Open10.98
Day Range10.80 – 11.27
52-Week Range13.73 – 29.79
Volume70.71K
Market Cap249.05M
P/E (TTM)0.00
Forward P/E2.81
EPS-0.34
Dividend Yield0.00%
Beta1.66
50-Day Avg19.72
200-Day Avg20.85

About

Finance of America Companies Inc. a financial service holding company, through its subsidiaries, provides home equity-based financing solutions for a modern retirement in the United States. The company operates through two segments: Retirement Solutions and Portfolio Management. It offers home equity conversion and non-agency reverse mortgage loans; and product development, loan securitization, loan sales, risk management, servicing oversight, and asset management services. The company was founded in 2013 and is headquartered in Plano, Texas.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Graham A. Fleming
  • Employees782
  • Headquarters5830 Granite Parkway, Plano, TX, United States, 75024, USA
  • Websitehttps://www.financeofamerica.com

Leadership

  • Mr. Brian L. LibmanFounder & Chairman of the Board · b. 1966
  • Mr. Graham A. FlemingChief Executive Officer · b. 1969
  • Ms. Kristen N. SieffertPresident · b. 1981
  • Mr. Jeremy E. PrahmChief Investment Officer · b. 1978
  • Mr. Michael FantSenior VP of Finance & CFO
  • Mr. Matthew A. Engel CPACFO & Principal Accounting Officer · b. 1967
  • Mr. Brian ConneenChief Information Officer
  • Ms. Lauren E. RichmondChief Legal Officer, General Counsel & Secretary · b. 1988
  • Ms. Angela TribelliChief Marketing Officer
  • Mr. Karime BenaissaChief Customer Officer

Financials

Income Statement

Currency: USD2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue744.35M778.47M789.26M1.51B2.39B1.74B686.96M1.57B1.95B2.13B
Growth (%)-+4.58%+1.39%+91.82%+57.79%-27.32%-60.43%+128.39%+24.25%+9.20%
Cost of Revenue---666.38M649.69M29.62M719.34M1.39B1.68B1.72B
Gross Profit-778.47M789.26M847.60M1.74B1.71B-32.38M177.03M270.64M411.97M
Gross Margin-100.00%100.00%55.98%72.80%98.29%-4.71%11.28%13.88%19.35%
Operating Expense-715.39M733.73M770.02M1.24B1.98B310.62M343.87M227.83M298.87M
Operating Income63.54M63.08M55.53M77.58M500.26M-271.48M-343.00M-166.84M42.82M113.10M
Operating Margin8.54%8.10%7.04%5.12%20.94%-15.64%-49.93%-10.63%2.20%5.31%
EBITDA-134.13M14.36M96.92M519.58M-232.41M-278.01M-119.30M81.76M151.69M
EBITDA Margin-17.23%1.82%6.40%21.75%-13.39%-40.47%-7.60%4.19%7.13%
Net Income26.65M52.67M32.06M54.41M518.39M-1.18B-190.68M-80.09M15.49M45.23M
Net Income Margin3.58%6.77%4.06%3.59%21.70%-67.77%-27.76%-5.10%0.79%2.12%
R&D-----0.824.195.44--
R&D as % of Total Revenue-----0.00%0.00%0.00%--
Interest Expense000666.38M649.69M142.06M719.34M1.39B1.68B1.72B
Interest Expense % of Total Revenue0.00%0.00%0.00%44.02%27.20%8.18%104.71%88.72%86.12%80.65%

Balance Sheet

Currency: USD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-13.73B16.58B19.57B21.79B20.87B27.11B29.16B30.73B
Total Liabilities-13.13B287.50M18.94B20.71B20.47B26.84B28.84B30.34B
Total Equity-114.35K16.30B628.04M1.08B253.93M232.31M255.30M323.87M
Cash-25.00K1.59M247.29M141.24M61.15M46.48M47.38M324.65M
Total Debt-3.30B15.59B21.33B23.58B20.12B26.63B28.72B30.21B
Net Debt-3.30B3.90B18.17B20.09B20.06B26.58B28.67B29.88B

Cash Flow

Currency: USD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow260.15M605.88M101.13M-686.09M-96.59M1.41B-71.57M-423.81M-429.75M
Investing Cash Flow-977.86M-817.02M-2.03B-875.11M-1.62B-1.82B158.14M114.80M854.89M
Financing Cash Flow731.89M322.17M2.07B1.72B1.67B225.21M-139.23M386.21M-402.45M
Capital Expenditure11.23M15.37M4.29M23.11M18.13M11.24M000
Free Cash Flow248.93M590.51M96.84M-709.21M-114.72M1.41B-71.57M-423.81M-429.75M
Dividends Paid1.00M2.68M2.68M380.43M75.00M0-0196.00K
FCF to OCF95.68%97.46%95.76%103.37%118.77%100.00%100.00%100.00%100.00%
Dividend Paid to FCF0.40%0.45%2.76%-53.64%-65.38%0.00%-0.00%-0.05%

Earnings

Report DateJun 30, 2019Sep 30, 2019Mar 25, 2020May 15, 2020Aug 6, 2020Nov 12, 2020Mar 29, 2021May 13, 2021Aug 11, 2021Nov 8, 2021Mar 2, 2022May 9, 2022Aug 9, 2022Nov 9, 2022Mar 13, 2023May 8, 2023Aug 8, 2023Nov 7, 2023Mar 6, 2024May 6, 2024Aug 6, 2024Nov 6, 2024Mar 4, 2025May 6, 2025Aug 5, 2025Nov 4, 2025Mar 11, 2026May 5, 2026Aug 4, 2026Nov 3, 2026
EPS Estimate-------5.603.802.700.302.500.98-0.97-0.14-0.700.60-0.80-0.08-0.60-0.17-0.310.460.420.610.67-0.841.091.13
EPS Actual1.600.170.030.03-0.25-0.030.7912.303.003.90-6.612.00-3.49-1.00-0.30-0.80-1.20-1.10-0.09-0.30-0.057.500.210.520.551.33-1.341.100.84-
Surprise-------119.64%-21.05%44.44%-2303.33%-20.00%-456.12%-3.09%-114.29%-14.29%-300.00%-37.50%-12.50%50.00%70.59%2519.35%-54.36%23.81%-9.84%98.51%-30.95%-22.94%-
Timing------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap249.05M
Enterprise Value12.18B
Trailing P/E0.00
Forward P/E2.81
Price / Sales0.74
Price / Book0.39
EPS-0.34
Book Value38.79
Revenue (TTM)336.99M
Gross Profit (TTM)239.70M
EBITDA634.26M
Profit Margin-0.10%
Operating Margin-67.55%
Return on Equity-9.93%
Return on Assets-0.13%
Shares Outstanding9.22M
Shares Float3.52M
Beta1.66
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Hold
Based on 1 analystsTarget 31.00
  • Hold
    1

Ownership Breakdown

Institutions
59.76%
Insiders
48.80%
Retail / Other
0.00%

Top Institutional Holders

  • Cooperman Leon G
    1.29M13.95%
  • Beach Point Capital Management LP
    927.84K10.07%
  • Vanguard Capital Management, LLC
    324.82K3.52%
  • BlackRock Inc
    288.28K3.13%
  • Brigade Capital Management LP
    280.48K3.04%
  • American Century Companies Inc
    174.79K1.90%
  • Dimensional Fund Advisors, Inc.
    135.62K1.47%
  • Geode Capital Management, LLC
    111.23K1.21%
  • Purpose Unlimited Inc
    110.02K1.19%
  • RBF LLC
    93.00K1.01%
  • Corient IA LLC
    91.50K0.99%
  • Morgan Stanley - Brokerage Accounts
    84.85K0.92%
  • State Street Corp
    73.48K0.80%
  • Two Sigma Investments LLC
    71.30K0.77%
  • Jacobs Levy Equity Management, Inc.
    70.68K0.77%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    209.40K2.27%
  • iShares Russell 2000 ETF
    135.61K1.47%
  • Avantis US Small Cap Value ETF
    134.48K1.46%
  • Purpose Credit Opportunities Series F
    110.02K1.19%
  • North Square Small Cap Value Investor
    84.24K0.91%

Stock Splits

  • Jul 26, 20241:10