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Upturn AI SWOT - About
Finance of America Companies Inc (FOA)
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Upturn Advisory Summary
08/14/2025: FOA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $25
1 Year Target Price $25
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 67.48% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 309.33M USD | Price to earnings Ratio 4.03 | 1Y Target Price 25 |
Price to earnings Ratio 4.03 | 1Y Target Price 25 | ||
Volume (30-day avg) 1 | Beta 1.46 | 52 Weeks Range 7.00 - 32.40 | Updated Date 08/15/2025 |
52 Weeks Range 7.00 - 32.40 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.93 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-08-06 | When - | Estimate 0.6084 | Actual 0.55 |
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 4.03 | Forward PE 9.96 | Enterprise Value 11332307968 | Price to Sales(TTM) 0.59 |
Enterprise Value 11332307968 | Price to Sales(TTM) 0.59 | ||
Enterprise Value to Revenue 65.72 | Enterprise Value to EBITDA - | Shares Outstanding 11079300 | Shares Floating 3952862 |
Shares Outstanding 11079300 | Shares Floating 3952862 | ||
Percent Insiders 27.38 | Percent Institutions 63.26 |
Upturn AI SWOT
Finance of America Companies Inc
Company Overview
History and Background
Finance of America Companies Inc. (FOA) was founded in 2013 by Brian Libman. It focuses on providing retirement solutions, mortgage origination, and commercial lending.
Core Business Areas
- Mortgage Origination: Offers a range of mortgage products, including forward mortgages, reverse mortgages, and refinancing options, targeting both retail and wholesale channels.
- Reverse Mortgage: Finance of America is a major player in the reverse mortgage market, offering Home Equity Conversion Mortgages (HECMs) and proprietary reverse mortgages.
- Commercial Lending: Provides lending solutions for commercial real estate, focusing on smaller balance loans.
Leadership and Structure
Graham A. Fleming serves as the Chief Executive Officer. The company operates with a divisional structure for its various business segments.
Top Products and Market Share
Key Offerings
- Reverse Mortgages (HECM & Proprietary): Finance of America is a significant reverse mortgage lender, focusing on helping seniors access their home equity. Market share data is difficult to obtain with precision, but they are considered a top 3 player. Competitors: American Advisors Group (AAG), Ocwen Financial (PHH Mortgage).
- Forward Mortgages: Origination of traditional mortgages for home purchase and refinance. Market share is less concentrated. Competitors: Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC).
Market Dynamics
Industry Overview
The mortgage industry is highly competitive and cyclical, influenced by interest rates, economic conditions, and housing market trends. The reverse mortgage market caters to a specific demographic of homeowners aged 62 and older.
Positioning
Finance of America is positioned as a diversified mortgage lender with a strong presence in the reverse mortgage market. Their competitive advantage lies in their established network and brand recognition in the reverse mortgage space.
Total Addressable Market (TAM)
The US mortgage market is valued in the trillions of dollars annually. FOA is positioned to capture a portion of this TAM, especially in the reverse mortgage sector, which has a growing TAM due to the aging population.
Upturn SWOT Analysis
Strengths
- Strong presence in the reverse mortgage market
- Diversified mortgage product offerings
- Established brand recognition
- Extensive distribution network
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on housing market conditions
- Higher risk associated with reverse mortgages
- Past legal/compliance issues
Opportunities
- Expansion into new geographic markets
- Development of new mortgage products
- Increased adoption of reverse mortgages by seniors
- Strategic acquisitions to enhance market share
Threats
- Rising interest rates
- Economic downturn
- Increased competition
- Changes in government regulations
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- AAG
Competitive Landscape
FOA faces intense competition from larger mortgage lenders with greater resources. Their focus on reverse mortgages provides a niche, but also exposes them to specific risks.
Growth Trajectory and Initiatives
Historical Growth: Past growth has been inconsistent due to market conditions and operational challenges.
Future Projections: Given the lack of recent public financial data and the de-listing, reliable future projections are difficult to obtain.
Recent Initiatives: Finance of America has explored strategic alternatives, including potential sale or restructuring.
Summary
Finance of America Companies Inc faced significant headwinds and ultimately was delisted in 2023. The company's strength was its focus on reverse mortgages, but its weaknesses in overall financial stability and market volatility ultimately led to its demise. While the reverse mortgage market offers potential, FOA needed to navigate external threats more effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Market Research
- SEC.gov
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Financial information may be dated due to the company's status.
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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