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Upturn AI SWOT - About
FOA 
Finance of America Companies Inc (FOA)
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Upturn Advisory Summary
10/31/2025: FOA (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $32
1 Year Target Price $32
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 53.92% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 243.74M USD | Price to earnings Ratio 3.17 | 1Y Target Price 32 |
Price to earnings Ratio 3.17 | 1Y Target Price 32 | ||
Volume (30-day avg) 1 | Beta 1.51 | 52 Weeks Range 12.09 - 32.40 | Updated Date 11/2/2025 |
52 Weeks Range 12.09 - 32.40 | Updated Date 11/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-10-21 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 17.11% | Operating Margin (TTM) 50.24% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 60.9% |
Valuation
Trailing PE 3.17 | Forward PE 5.09 | Enterprise Value 11266718720 | Price to Sales(TTM) 0.46 |
Enterprise Value 11266718720 | Price to Sales(TTM) 0.46 | ||
Enterprise Value to Revenue 65.57 | Enterprise Value to EBITDA - | Shares Outstanding 11079270 | Shares Floating 4158272 |
Shares Outstanding 11079270 | Shares Floating 4158272 | ||
Percent Insiders 24.85 | Percent Institutions 62.32 |
Upturn AI SWOT
Finance of America Companies Inc
Company Overview
History and Background
Finance of America Companies Inc. was founded in 2013 by Brian Libman. The company went public via a SPAC merger in 2021. It focuses on lending and services across several segments including mortgage origination, reverse mortgages, and commercial lending.
Core Business Areas
- Mortgage Origination: Provides forward mortgage loans to consumers through various channels, including retail, wholesale, and correspondent lending.
- Reverse Mortgage: Offers reverse mortgage products, primarily Home Equity Conversion Mortgages (HECMs), to senior homeowners.
- Commercial Lending: Engages in commercial real estate lending, offering various loan products to investors and businesses.
- Lender Services: Provides title insurance, settlement services and other real estate related services.
Leadership and Structure
Patricia Cook is the current CEO. The organizational structure includes distinct business segments each headed by respective leaders, reporting to the CEO and executive management team.
Top Products and Market Share
Key Offerings
- Forward Mortgage Loans: Conventional, FHA, VA, and USDA loans. Market share information is fragmented across numerous lenders making exact estimates difficult to obtain. Competitors include Rocket Mortgage (RKT), UWM Holdings (UWMC), and PennyMac (PFSI).
- Reverse Mortgages (HECM): HECMs provide senior homeowners with access to their home equity without requiring monthly mortgage payments. Finance of America Reverse is a significant player in this market. Competitors include Reverse Mortgage Funding LLC and Longbridge Financial, LLC.
- Commercial Real Estate Loans: Offers commercial real estate loans for various property types. The commercial real estate market is highly competitive. Competitors include banks, credit unions, and other private lenders.
Market Dynamics
Industry Overview
The mortgage industry is highly cyclical, influenced by interest rates, economic conditions, and government regulations. The reverse mortgage market caters to senior homeowners seeking to leverage their home equity. The commercial lending market depends on the health of the overall economy and real estate sector.
Positioning
Finance of America Companies Inc. aims to be a diversified financial services company focused on the real estate and lending markets. Their strength lies in their diverse lending businesses. Competitors are typically more specialized.
Total Addressable Market (TAM)
The total addressable market across mortgages and commercial real estate lending is in the trillions of dollars. Finance of America's position is relatively small compared to the overall TAM but significant within its chosen niche segments such as reverse mortgages. Hard to quantify TAM across segments.
Upturn SWOT Analysis
Strengths
- Diversified product offerings
- Established presence in reverse mortgages
- National lending platform
- Lender service provides stable revenue.
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on macroeconomic conditions
- High debt levels
- Recent financial performance struggles
Opportunities
- Expansion into new geographic markets
- Increased adoption of reverse mortgages
- Strategic acquisitions
- Technological innovation to streamline operations
Threats
- Rising interest rates
- Increased competition
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- PFSI
- LDI
Competitive Landscape
Finance of America competes with larger, more established mortgage lenders like RKT and UWMC, as well as specialized reverse mortgage companies. Their competitive advantage lies in their diversified product offerings and established reverse mortgage business. However, they face challenges due to their smaller size and recent financial struggles.
Major Acquisitions
Finance of America Reverse LLC
- Year: 2013
- Acquisition Price (USD millions):
- Strategic Rationale: Finance of America Reverse was formed in 2013 through the acquisition of certain assets and liabilities of Urban Financial Group, one of the largest reverse mortgage lenders in the United States. This aquisition allowed FOA to enter into the reverse mortgage business.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been mixed. Need to review revenue growth, loan origination volume, and profitability trends over the past years.
Future Projections: Future growth projections depend on analyst estimates and company guidance. These need to be researched from reputable financial sources.
Recent Initiatives: Recent initiatives include cost-cutting measures, streamlining operations, and focusing on core business segments.
Summary
Finance of America Companies Inc. is a diversified lender with strengths in reverse mortgages but faces challenges due to interest rate volatility, economic conditions and increased competition. The company's diversified product offerings and national platform provide some stability, but recent financial performance and debt levels raise concerns. Future success depends on effective cost management, strategic initiatives, and adapting to changing market dynamics. They need to be aware of competition and keep adapting to a dynamic market.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on independent research and consultation with a financial professional. Market share data is based on available information and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Finance of America Companies Inc
Exchange NYSE | Headquaters Plano, TX, United States | ||
IPO Launch date 2019-04-18 | CEO - | ||
Sector Financial Services | Industry Credit Services | Full time employees 751 | Website https://www.financeofamerica.com |
Full time employees 751 | Website https://www.financeofamerica.com | ||
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. It operates through two segments: Retirement Solutions and Portfolio Management. The company offers home equity conversion and non-agency reverse mortgage loans, 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.
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