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FOA 
Finance of America Companies Inc (FOA)
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Upturn Advisory Summary
12/18/2025: FOA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $29.5
1 Year Target Price $29.5
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 48.46% | Avg. Invested days 32 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 254.60M USD | Price to earnings Ratio - | 1Y Target Price 29.5 |
Price to earnings Ratio - | 1Y Target Price 29.5 | ||
Volume (30-day avg) 1 | Beta 1.63 | 52 Weeks Range 16.58 - 32.40 | Updated Date 12/18/2025 |
52 Weeks Range 16.58 - 32.40 | Updated Date 12/18/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -1.09% | Operating Margin (TTM) -28.75% |
Management Effectiveness
Return on Assets (TTM) -0.04% | Return on Equity (TTM) -2.86% |
Valuation
Trailing PE - | Forward PE 5.29 | Enterprise Value 11586694144 | Price to Sales(TTM) 0.8 |
Enterprise Value 11586694144 | Price to Sales(TTM) 0.8 | ||
Enterprise Value to Revenue 133.97 | Enterprise Value to EBITDA - | Shares Outstanding 7891348 | Shares Floating 2277995 |
Shares Outstanding 7891348 | Shares Floating 2277995 | ||
Percent Insiders 27.69 | Percent Institutions 63.79 |
Upturn AI SWOT
Finance of America Companies Inc
Company Overview
History and Background
Finance of America Companies Inc. (FOA) was formed through a series of acquisitions and integrations, notably its SPAC merger with Replay Acquisition Corp. in February 2021. The company has a history rooted in the mortgage and financial services sector, aiming to provide a comprehensive suite of financial solutions.
Core Business Areas
- Mortgage Origination: Focuses on originating and selling residential mortgages across various product types, including conventional, FHA, and VA loans.
- Home Equity Solutions: Offers reverse mortgage products and other home equity-based lending solutions primarily for seniors.
- Servicing and Other: Includes mortgage servicing operations and other ancillary financial services.
Leadership and Structure
Finance of America Companies Inc. is led by a management team with experience in the financial services industry. The organizational structure is designed to support its core business segments, with dedicated teams for origination, servicing, and specialized lending.
Top Products and Market Share
Key Offerings
- Reverse Mortgages: A significant product for seniors looking to leverage home equity. Competitors include giants like U.S. Bank, Wells Fargo, and smaller specialized lenders. Market share data is difficult to isolate for this specific product as publicly disclosed by FOA.
- Forward Mortgages: Traditional mortgage products for purchasing or refinancing homes. This is a highly competitive market with major players such as Rocket Mortgage, United Wholesale Mortgage, and PennyMac.
Market Dynamics
Industry Overview
The mortgage and lending industry is cyclical and heavily influenced by interest rates, housing market conditions, and regulatory changes. The reverse mortgage market is a niche segment catering to an aging population.
Positioning
Finance of America Companies Inc. aims to differentiate itself through its focus on specific borrower segments, particularly seniors, and a technology-driven approach to lending. Its competitive advantages lie in its established reverse mortgage platform and its diversified origination capabilities.
Total Addressable Market (TAM)
The TAM for residential mortgages is substantial, in the trillions of dollars annually. For reverse mortgages, the TAM is significant and growing due to demographic trends. Finance of America Companies Inc. positions itself to capture a portion of these markets, with a stronger existing presence in the reverse mortgage segment.
Upturn SWOT Analysis
Strengths
- Strong position in the reverse mortgage market.
- Diversified lending platform.
- Focus on technology and customer experience.
- Experienced management team.
Weaknesses
- Sensitivity to interest rate fluctuations.
- Intense competition in the forward mortgage market.
- Reliance on wholesale and correspondent channels.
- Profitability can be volatile due to market conditions.
Opportunities
- Growth in the senior housing market for reverse mortgages.
- Expansion into new geographic markets.
- Leveraging technology for greater efficiency and customer acquisition.
- Potential for strategic partnerships and acquisitions.
Threats
- Rising interest rates impacting mortgage demand.
- Increased regulatory scrutiny.
- Economic downturns affecting housing market stability.
- Intensified competition from larger, well-established players.
Competitors and Market Share
Key Competitors
- Rocket Companies Inc. (RKT)
- United Wholesale Mortgage (UWMC)
- PennyMac Financial Services, Inc. (PFSI)
- U.S. Bancorp (USB)
- Wells Fargo & Company (WFC)
Competitive Landscape
Finance of America Companies Inc. competes in a highly fragmented and competitive market. Its advantages lie in its specialized reverse mortgage offerings and its growing digital capabilities, while disadvantages include its smaller scale compared to some large bank competitors and its susceptibility to interest rate risk.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by strategic acquisitions and the expansion of its product offerings. The company has also benefited from favorable market conditions in certain periods.
Future Projections: Future growth is projected to be influenced by its ability to navigate interest rate environments, expand its market share in key segments like reverse mortgages, and execute on its technology initiatives. Analyst estimates should be consulted for forward-looking projections.
Recent Initiatives: Recent initiatives likely focus on enhancing operational efficiency, expanding its digital lending capabilities, and further developing its reverse mortgage business.
Summary
Finance of America Companies Inc. is a player in the mortgage and financial services sector with a notable presence in the reverse mortgage market. Its diversified offerings and technology focus are strengths, but it faces significant competition and interest rate sensitivity. The company's success hinges on its ability to adapt to market shifts, capitalize on demographic trends in its niche, and efficiently manage its operations.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News Outlets
- Industry Analyst Reports
- Market Data Providers
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Investment decisions should be made after consulting with a qualified financial advisor and conducting independent research. Market share data is estimated and may vary depending on the source and methodology.
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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