Stocks · Financial Services · Financial - Credit Services
Finance of America Companies Inc. FOA
$13.50 +4.09% Close, Oct 2, 2026 · NYSE · Market cap $120.6M
Weak trendExpensive vs sector
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 24.4% from 10.4% a year earlier.
- The diluted share count fell 16.9% in a year, mainly through buybacks.
- Revenue over the last four quarters was $1.56B, down 28.3% from a year earlier, slowing from 1.5% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 4%
- Revenue growth, 3-year CAGRTop 7%
- Revenue growth accelerationBottom 5%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 36%
- Gross marginBottom 14%
- Operating marginTop 42%
- Accruals (lower is better)Bottom 21%
- Net debt / EBITDA (lower is better)Top 1%
- Interest coverBottom 14%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 10%
- Free-cash-flow yieldBottom 1%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 10%
- 6-month returnBottom 4%
- 1-year return vs S&P 500Bottom 7%
- Distance from 52-week highBottom 4%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 10%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetTop 3%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 13%
- Maximum drawdown, 3 yearsBottom 8%
- Beta vs S&P 500 (lower is better)Bottom 14%
- Net debt / EBITDA (lower is better)Top 1%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 1.5% | -28.3% | ↓ |
| Gross margin | 20.9% | 39.2% | ↑ |
| Operating margin | 10.4% | 24.4% | ↑ |
| FCF margin | -17.3% | -35.7% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -28.3% | 1.5% | ↓ | Bottom 4% |
| Gross margin | 39.2% | 20.9% | ↑ | Bottom 14% |
| Operating margin | 24.4% | 10.4% | ↑ | Top 42% |
| Net margin | -0.0% | 4.2% | ↓ | — |
| Free-cash-flow margin | -35.7% | -17.3% | ↓ | — |
| Return on invested capital | 0.5% | — | Bottom 36% | |
| Revenue growth, 3-year CAGR | 45.8% | — | Top 7% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -45.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -59.19×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.93%
- Net buyback yield (TTM)
- 34.44%
- Shareholder yield
- 35.37%
- Share count change, 1 year
- -16.9%
- Share count change, 3-year CAGR
- -3.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +30.1%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $30.00
- Target vs current price
- +122.2%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 4, 2026 | -22.9% | +1.7% | -6.6% | -24.0% | — |
| May 5, 2026 | +31.0% | -1.0% | -1.3% | -4.4% | +14.8% |
| Mar 10, 2026 | +6.6% | -1.0% | -1.1% | -1.0% | +7.4% |
| Nov 4, 2025 | +105.6% | -1.2% | +3.9% | +4.2% | +4.9% |
| Aug 5, 2025 | -9.5% | +4.2% | +15.0% | +18.9% | +3.4% |
| May 6, 2025 | +23.8% | -3.8% | +5.4% | +4.7% | +6.5% |
| Mar 11, 2025 | -53.3% | +2.2% | +7.5% | -4.8% | +2.7% |
| Nov 6, 2024 | +415.4% | +4.7% | +38.8% | +52.3% | +78.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 4, 2026 | $0.84 | $1.09 | -22.9% | $62.5M |
| May 5, 2026 | $1.10 | $0.84 | +31.0% | $120.1M |
| Mar 10, 2026 | $0.69 | $0.65 | +6.6% | $73.5M |
| Nov 4, 2025 | $1.33 | $0.65 | +105.6% | $80.8M |
| Aug 5, 2025 | $0.55 | $0.61 | -9.5% | $177.4M |
| May 6, 2025 | $0.52 | $0.42 | +23.8% | $165.7M |
| Mar 11, 2025 | $0.21 | $0.45 | -53.3% | $289.0M |
| Nov 6, 2024 | $0.67 | $0.13 | +415.4% | $290.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 3.0× | — | — | — |
| Free-cash-flow yield | -460.29% | — | — | Bottom 1% |
| Earnings yield | -2.67% | — | — | Bottom 10% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -18.7%
- 200-day average slope (20 days)
- -4.0%
- Distance from 50-day average
- -27.0%
- Distance from 200-day average
- -34.3%
- RSI (14)
- 31.3
- Relative volume
- 0.75×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 44.9%
- Volatility vs own 5-year history
- 8th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.13
- Correlation with S&P 500
- 0.27
- Current drawdown from 1-year high
- -51.6%
- Maximum drawdown, 3 years
- -66.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| May 5, 2021 | Jul 2, 2024 | -96.1% | 794 days | Not yet recovered |
| Dec 28, 2020 | Apr 8, 2021 | -13.0% | 69 days | 14 days (Apr 28, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $120.6M
- EPS, diluted (TTM)
- -$0.36
- Revenue (TTM)
- $1.56B
- 52-week range
- $12.15 – $29.79
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.32B | $687.0M | $1.57B | $1.95B | $2.13B |
| Gross profit | $1.26B | -$32.4M | $177.0M | $270.6M | $412.0M |
| Operating income | $206.6M | -$343.0M | -$166.8M | $42.8M | $113.1M |
| Net income | -$251.9M | -$190.7M | -$80.1M | $15.5M | $45.2M |
| EPS (diluted) | -$13.30 | -$10.09 | -$9.77 | $1.56 | $3.74 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $712.2M | $289.0M | $571.7M | $597.9M | $490.9M | $493.4M | $509.1M | $62.4M |
| Net income | $84.2M | -$59.1M | $30.2M | $34.9M | -$9.5M | -$10.4M | $17.5M | $2.1M |
| EPS (diluted) | $7.50 | -$12.24 | $1.00 | $2.13 | -$1.05 | -$1.34 | $1.77 | $0.26 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$96.6M | $1.41B | -$71.6M | -$423.8M | -$429.7M |
| Capital expenditure | -$18.1M | $0 | $0 | $0 | $0 |
| Free cash flow | -$114.7M | $1.41B | -$71.6M | -$423.8M | -$429.7M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | $30.0M | $0 | $9.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $85.28B
- Total assets
- $37.32B
- Total liabilities
- $36.91B
- Total debt
- $36.76B
- Net debt
- -$48.52B
- Shareholders’ equity
- $346.7M
As of Jun 30, 2026 (filed Aug 7, 2026).
Short interest
- Shares sold short
- 420,444
- Days to cover
- 6.47
- Change vs previous report
- +9.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 26, 2024
- 1-for-10