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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. The company operates through two segments: Retirement Solutions and Portfolio Management. It offers home equity conversion and non-agency reverse mortgage loans; and 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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $412M | - | $45M | $-430M | 14.0% | 52.2% | 192.1% |
| 2024 | $271M | - | $15M | $-424M | 6.1% | 52.9% | -119.3% |
| 2023 | $177M | - | $-80M | $-72M | -34.5% | -646.7% | -58.0% |
| 2022 | $-32M | - | $-191M | $1.4B | -75.1% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 411.97 |
| Operating Revenue | 411.97 |
| Selling General And Administration | 222.80 |
| Interest Income | 1,919.97 |
| Interest Expense | 1,716.77 |
| Net Interest Income | 203.20 |
| Other Non Operating Income Expenses | -14.80 |
| Pretax Income | 113.10 |
| Tax Provision | 3.52 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -0.09 |
| Net Income Continuous Operations | 109.58 |
| Net Income From Continuing And Discontinued Operation | 45.24 |
| Net Income From Continuing Operation Net Minority Interest | 51.77 |
| Net Income | 45.24 |
| Net Income Common Stockholders | 45.04 |
| Net Income Including Noncontrolling Interests | 103.04 |
| Normalized Income | 54.56 |
| Diluted NI Availto Com Stockholders | 100.59 |
| Basic Average Shares | 9.54 |
| Diluted Average Shares | 26.93 |
| Reconciled Depreciation | 38.60 |
| Total Unusual Items | -2.88 |
| Total Unusual Items Excluding Goodwill | -2.88 |
| Preferred Stock Dividends | 0.20 |
| Minority Interests | -57.80 |
| Net Income Discontinuous Operations | -6.54 |
| Special Income Charges | -2.88 |
| Other Special Charges | 2.88 |
| Write Off | 0 |
| Impairment Of Capital Assets | - |
| Gain On Sale Of Security | - |
| Depreciation Amortization Depletion Income Statement | 38.60 |
| Depreciation And Amortization In Income Statement | 38.60 |
| General And Administrative Expense | 174.20 |
| Other Gand A | 28.42 |
| Salaries And Wages | 145.77 |
| Selling And Marketing Expense | 48.61 |
| Average Dilution Earnings | 55.55 |
| Occupancy And Equipment | 2.82 |
| Professional Expense And Contract Services Expense | 19.84 |
| Other Non Interest Expense | -2.88 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Finance of America Companies Inc.this co. | FOA | $179M | 3.98↓ discount | 0.55 | 13.9% | - |
| CF Bankshares Inc. | CFBK | $187M | 10.68 | 1.02 | 9.5% | - |
| James River Group Holdings, Inc. | JRVR | $183M | 4.63 | 0.27 | 5.9% | - |
| Rhinebeck Bancorp, Inc. | RBKB | $181M | 18.05 | 1.32 | 7.3% | - |
| Eagle Bancorp Montana, Inc. |
| 2021 |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| EBMT |
| $181M |
| 12.18 |
| 0.94 |
| 7.7% |
| - |
| SelectQuote, Inc. | SLQT | $176M | 3.69 | 0.50 | 13.5% | 3.77 |
| Landmark Bancorp, Inc. | LARK | $175M | 9.30 | 1.09 | 11.7% | - |
| BV Financial, Inc. | BVFL | $174M | 12.90 | 0.95 | 7.3% | - |
| CB Financial Services, Inc. | CBFV | $174M | 35.48 | 1.10 | 3.1% | - |
| Peer Median | - | 11.43 | 0.98 | 7.5% | 3.77 | |