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Upturn AI SWOT - About
Finance of America Companies Inc (FOA)
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Upturn Advisory Summary
06/27/2025: FOA (3-star) is a STRONG-BUY. BUY since 28 days. Profits (5.53%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $22.5
Year Target Price $22.5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 91.67% | Avg. Invested days 33 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 255.36M USD | Price to earnings Ratio 5.13 | 1Y Target Price 22.5 |
Price to earnings Ratio 5.13 | 1Y Target Price 22.5 | ||
Volume (30-day avg) - | Beta 1.44 | 52 Weeks Range 4.10 - 32.40 | Updated Date 06/29/2025 |
52 Weeks Range 4.10 - 32.40 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.5 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.4% | Operating Margin (TTM) 48.06% |
Management Effectiveness
Return on Assets (TTM) 0.47% | Return on Equity (TTM) 41.79% |
Valuation
Trailing PE 5.13 | Forward PE 8.24 | Enterprise Value 10893278208 | Price to Sales(TTM) 0.59 |
Enterprise Value 10893278208 | Price to Sales(TTM) 0.59 | ||
Enterprise Value to Revenue 80.78 | Enterprise Value to EBITDA - | Shares Outstanding 11059300 | Shares Floating 3796204 |
Shares Outstanding 11059300 | Shares Floating 3796204 | ||
Percent Insiders 28.66 | Percent Institutions 61.54 |
Analyst Ratings
Rating 3 | Target Price 22.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Finance of America Companies Inc
Company Overview
History and Background
Finance of America Companies Inc. (FOA) was founded in 2013. It provides retirement solutions, mortgage origination, and commercial lending services. The company's evolution has involved expanding its product offerings and market reach through strategic acquisitions and partnerships.
Core Business Areas
- Mortgage Origination: Offers a variety of mortgage products, including traditional mortgages, reverse mortgages, and renovation loans.
- Reverse Mortgage: Provides reverse mortgage solutions (HECMs and proprietary reverse mortgages) to help senior homeowners access their home equity.
- Commercial Lending: Offers financing solutions for commercial real estate projects.
Leadership and Structure
The leadership team includes Patricia Cook as Interim CEO. Organizational structure involves various business segments led by their respective executives.
Top Products and Market Share
Key Offerings
- Reverse Mortgages (HECM & Proprietary): Offers HECM and Proprietary reverse mortgage products. Competitors include Ocwen Financial Corporation (OCN) and American Advisors Group (AAG).
- Forward Mortgages: Provides traditional mortgage lending services for home purchases and refinancing. Competitors include Rocket Companies (RKT) and United Wholesale Mortgage (UWMC).
Market Dynamics
Industry Overview
The mortgage industry is influenced by interest rates, housing market trends, and regulatory changes. The reverse mortgage market caters to the growing senior population.
Positioning
Finance of America Companies Inc. is positioned as a diversified mortgage and retirement solutions provider. Its competitive advantage lies in its wide range of products and services.
Total Addressable Market (TAM)
The total addressable market for mortgage and reverse mortgage products is substantial, estimated to be in the trillions of dollars annually. FOA's positioning allows it to capture a portion of this market.
Upturn SWOT Analysis
Strengths
- Diversified product offerings
- Experienced management team
- Established brand reputation
Weaknesses
- Sensitivity to interest rate fluctuations
- High debt levels
- Dependence on wholesale funding markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of reverse mortgages
- Technological advancements in mortgage origination
Threats
- Rising interest rates
- Increased competition
- Regulatory changes
Competitors and Market Share
Key Competitors
- Rocket Companies (RKT)
- United Wholesale Mortgage (UWMC)
- Ocwen Financial Corporation (OCN)
Competitive Landscape
Finance of America Companies Inc faces intense competition from larger, more established players in the mortgage market. Its ability to differentiate through specialized products like reverse mortgages is crucial.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable, as FOA is currently experiencing significant challenges.
Future Projections: Future projections are uncertain due to current market conditions and the company's financial situation.
Recent Initiatives: Recent initiatives have focused on cost reduction and strategic restructuring.
Summary
Finance of America Companies Inc. faces significant challenges in the current market environment. The company's sensitivity to interest rate fluctuations, high debt levels, and dependence on wholesale funding markets are key vulnerabilities. Strategic initiatives aimed at cost reduction and restructuring are essential for navigating the current headwinds. The company is relatively weak due to external market conditions and its own financial structure.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- MarketWatch
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, and past performance is not indicative of future results. Market share is approximate and may vary based on reporting methodologies.
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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