NYSE : FOA
Finance of America Companies Inc. — Financial statements
Financials · Credit Services · United States
Last price 10.49 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 96.70M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 1.92B | 1.92B | 1.91B | 1.63B | 6.04M | 56.59M |
| Total Interest Expense | 1.72B | 1.72B | 1.68B | 1.39B | 118.65M | 142.06M |
| Net Interest Income | 199.59M | 203.21M | 226.52M | 236.99M | -112.61M | -85.47M |
| Commissions and Fees | 29.98M | 29.49M | 29.55M | 43.45M | 81.81M | 547.44M |
| Gain (Loss) on Sale of Loans & Receivables | -24.99M | -5.93M | 855.86M | |||
| Revenue Before Loan Losses | 229.56M | 232.70M | 256.06M | 255.45M | -36.73M | 1.32B |
| Provision for Loan Losses | -107.43M | -264.74M | -80.19M | 22.47M | -89.49M | -418.41M |
| Revenue | 336.99M | 497.44M | 336.26M | 232.98M | 52.76M | 1.74B |
| Salaries & Employee Benefits | 159.74M | 145.77M | 138.36M | 178.32M | 206.94M | 1.01B |
| Cost of Services Provided | 203.16M | 182.77M | 164.42M | 167.82M | 164.35M | 535.43M |
| Total Operating Expenses | 401.96M | 367.13M | 341.73M | 388.51M | 413.33M | 1.54B |
| Operating Income | -64.97M | 130.31M | -5.47M | -155.53M | -360.56M | 194.16M |
| EBT Excluding Unusual Items | -81.75M | 115.50M | -10.49M | -154.05M | -328.57M | 199.41M |
| Impairment of Goodwill | -1.29B | |||||
| Other Unusual Items | 56.19M | |||||
| Pretax Income | -85.35M | 113.10M | 42.82M | -166.84M | -343.00M | -1.20B |
| Income Tax Expense | -41.67M | 3.52M | 2.40M | -593.00K | -17.13M | -19.53M |
| Earnings From Continuing Ops. | -43.68M | 109.58M | 40.42M | -166.25M | -325.87M | -1.18B |
| Earnings From Discontinued Ops. | -960.00K | -2.99M | -2.01M | -18.80M | -126.26M | |
| Net Income to Company | -44.64M | 106.59M | 38.41M | -185.05M | -452.13M | -1.18B |
| Minority Interest in Earnings | 44.30M | -61.35M | -22.92M | 104.96M | 261.45M | 924.74M |
| Net Income | -338.00K | 45.23M | 15.49M | -80.09M | -190.68M | -251.94M |
| Preferred Dividends & Other Adjustments | 2.45M | 196.00K | 119.86M | |||
| Net Income to Common | -2.78M | 45.04M | 15.49M | -80.09M | -190.68M | -371.80M |
| Shares Outstanding (Basic) | 8.59M | 9.54M | 9.85M | 8.20M | 6.23M | 5.98M |
| Shares Outstanding (Diluted) | 8.59M | 26.93M | 23.41M | 8.20M | 18.82M | 19.06M |
| EPS (Basic) | -0.32 | 4.72 | 1.57 | -9.77 | -30.61 | -62.12 |
| EPS (Diluted) | -3.14 | 3.83 | 1.27 | -9.77 | -22.53 | -65.25 |
| Free Cash Flow | -555.32M | -429.75M | -423.81M | -71.57M | 1.41B | -114.72M |
| Free Cash Flow Per Share | -64.68 | -15.96 | -18.11 | -8.73 | 74.79 | -6.02 |
| Operating Margin | -19.28% | 26.20% | -1.63% | -66.76% | -683.38% | 11.18% |
| Profit Margin | -0.83% | 9.05% | 4.61% | -34.38% | -361.40% | -21.41% |
| Free Cash Flow Margin | -164.79% | -86.39% | -126.04% | -30.72% | 2,668.24% | -6.61% |
| Effective Tax Rate | 3.11% | 5.60% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 85.28M | 89.50M | 47.38M | 46.48M | 61.15M | 141.24M |
| Long-Term Investments | 33.11M | 38.69M | 40.41M | 44.30M | 46.44M | 72.74M |
| Trading Asset Securities | 48.87M | |||||
| Loans & Lease Receivables | 36.49B | 30.03B | 28.48B | 26.40B | 19.48B | 17.81B |
| Other Receivables | 56.18M | 73.53M | 62.88M | 104.14M | 145.19M | 117.02M |
| Property, Plant & Equipment | 21.44M | 21.99M | 24.36M | 29.37M | 37.06M | 91.78M |
| Other Intangible Assets | 161.02M | 179.62M | 216.34M | 259.97M | 392.21M | 1.03B |
| Restricted Cash | 255.19M | 235.14M | 254.59M | 178.32M | 179.76M | 322.40M |
| Other Current Assets | 10.98M | 10.01M | 14.45M | 18.97M | 324.01M | 59.98M |
| Other Long-Term Assets | 12.91M | 15.70M | 14.16M | 25.42M | 36.10M | 46.12M |
| Total Assets | 37.32B | 30.73B | 29.16B | 27.11B | 20.87B | 21.79B |
| Accrued Expenses | 75.04M | 77.12M | 107.55M | 76.91M | 244.85M | |
| Short-Term Debt | 20.00M | 60.59M | 85.00M | 59.13M | 46.79M | 26.68M |
| Current Portion of Long-Term Debt | 3.46B | 3.63B | 22.14M | 50.37M | ||
| Current Portion of Leases | 5.27M | 5.46M | ||||
| Long-Term Debt | 8.56B | 7.61B | 10.16B | 9.16B | 8.99B | 9.82B |
| Long-Term Leases | 24.46M | 20.21M | 28.47M | 31.25M | 34.39M | 65.52M |
| Other Current Liabilities | 11.68M | 18.30M | 227.11M | |||
| Long-Term Deferred Tax Liabilities | 18.58M | |||||
| Other Long-Term Liabilities | 24.84B | 18.94B | 18.48B | 17.43B | 11.04B | 10.53B |
| Total Liabilities | 36.91B | 30.34B | 28.84B | 26.84B | 20.47B | 20.71B |
| Common Stock | 1.00K | 1.00K | 1.00K | 1.00K | 6.00K | 6.00K |
| Additional Paid-In Capital | 981.04M | 977.82M | 954.47M | 946.94M | 888.49M | 831.62M |
| Retained Earnings | -634.10M | -653.66M | -698.89M | -714.38M | -634.29M | -443.61M |
| Comprehensive Income & Other | -285.00K | -285.00K | -276.00K | -249.00K | -273.00K | -110.00K |
| Total Common Equity | 346.66M | 323.87M | 255.30M | 232.31M | 253.93M | 387.90M |
| Minority Interest | 60.05M | 71.75M | 60.37M | 40.10M | 150.91M | 695.11M |
| Shareholders' Equity | 406.70M | 395.63M | 315.66M | 272.41M | 404.84M | 1.08B |
| Total Liabilities & Equity | 37.32B | 30.73B | 29.16B | 27.11B | 20.87B | 21.79B |
| Total Debt | 12.07B | 11.32B | 10.28B | 9.27B | 9.12B | 9.91B |
| Net Cash (Debt) | -11.99B | -11.23B | -10.23B | -9.23B | -9.06B | -9.72B |
| Net Cash Per Share | -1,396.33 | -417.03 | -436.97 | -1,125.72 | -481.26 | -510.09 |
| Filing Date Shares Outstanding | 9.22M | 8.55M | 11.06M | 9.66M | 6.38M | 6.08M |
| Total Common Shares Outstanding | 8.94M | 7.90M | 9.93M | 9.63M | 6.34M | 6.08M |
| Working Capital | 33.56B | 26.71B | 28.69B | 26.54B | 19.96B | 20.28B |
| Book Value Per Share | 38.79 | 41.00 | 25.70 | 24.11 | 40.04 | 63.85 |
| Tangible Book Value | 185.64M | 144.26M | 38.96M | -21.22M | -43.19M | -215.00M |
| Tangible Book Value Per Share | 20.77 | 18.26 | 3.92 | -2.20 | -6.81 | -35.39 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -338.00K | 45.23M | 15.49M | -80.09M | -190.68M | -1.18B |
| Depreciation & Amortization | 39.06M | 38.59M | 38.95M | 42.37M | 64.99M | 55.37M |
| Other Amortization | 19.03M | 19.03M | 3.00M | |||
| Gain on Sale of Loans & Receivables | 27.22M | -211.02M | -855.86M | |||
| Loss (Gain) From Sale of Investments | 16.84M | 6.92M | 12.93M | |||
| Asset Writedown & Restructuring Costs | 891.00K | 9.30M | 192.51M | 1.38B | ||
| Provision for Credit Losses | -584.18M | -584.18M | -408.75M | -307.15M | -60.26M | -386.58M |
| Stock-Based Compensation | 10.16M | 10.16M | 8.81M | 24.67M | 47.86M | 71.81M |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -21.64M | -21.64M | 1.09M | 319.04M | 1.86B | 903.46M |
| Change in Accounts Payable | -11.02M | -11.02M | -95.56M | -31.82M | -162.43M | 44.62M |
| Change in Other Net Operating Assets | 5.77M | 5.77M | 33.44M | 33.76M | 421.32M | -125.45M |
| Other Operating Activities | -12.16M | 68.31M | -21.17M | -135.33M | -562.18M | -20.84M |
| Operating Cash Flow | -555.32M | -429.75M | -423.81M | -71.57M | 1.41B | -96.59M |
| Capital Expenditures | -18.13M | |||||
| Cash Acquisitions | -91.83M | -140.85M | -29.18M | |||
| Divestitures | 3.00M | 71.17M | ||||
| Sale (Purchase) of Intangibles | 5.52M | 85.63M | 473.79M | -16.10M | ||
| Investment in Securities | 343.00K | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 816.86M | 860.05M | 332.69M | 147.53M | -2.26B | -1.32B |
| Other Investing Activities | -3.31M | -5.16M | -298.00K | -5.33M | -36.27M | -33.95M |
| Investing Cash Flow | 721.72M | 854.89M | 340.91M | 158.14M | -1.82B | -1.42B |
| Long-Term Debt Issued | 12.48B | 11.04B | 8.47B | 27.80B | 43.65B | |
| Long-Term Debt Repaid | -12.89B | -10.87B | -8.64B | -27.57B | -41.90B | |
| Net Debt Issued (Repaid) | -23.93M | -407.38M | 170.45M | -166.50M | 232.35M | 1.76B |
| Issuance of Preferred Stock | 49.31M | 49.31M | ||||
| Issuance of Common Stock | 30.00M | |||||
| Repurchase of Common Stock | -81.70M | -40.15M | ||||
| Common Dividends Paid | -75.00M | |||||
| Preferred Dividends Paid | -2.45M | -196.00K | ||||
| Total Dividends Paid | -2.45M | -196.00K | -75.00M | |||
| Other Financing Activities | -3.83M | -4.04M | -10.35M | -2.73M | -7.14M | -220.24M |
| Financing Cash Flow | -62.59M | -402.45M | 160.10M | -139.23M | 225.21M | 1.46B |
| Foreign Exchange Rate Adjustments | -2.00K | -9.00K | -27.00K | 24.00K | -163.00K | -117.00K |
| Net Cash Flow | 103.81M | 22.68M | 77.17M | -52.63M | -186.21M | -49.50M |
| Free Cash Flow | -555.32M | -429.75M | -423.81M | -71.57M | 1.41B | -114.72M |
| Free Cash Flow Margin | -164.79% | -86.39% | -126.04% | -30.72% | 2,668.24% | -6.61% |
| Free Cash Flow Per Share | -64.68 | -15.96 | -18.11 | -8.73 | 74.79 | -6.02 |
| Cash Interest Paid | 563.03M | 625.12M | 432.94M | 308.38M | 269.26M | 168.04M |
| Cash Income Tax Paid | 46.00K | 2.28M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 99.92M | 229.89M | 279.13M | 96.74M | 80.48M | 233.98M |
| PE Ratio | 5.10 | 18.02 | ||||
| PS Ratio | 0.30 | 0.46 | 0.83 | 0.41 | 1.52 | 0.14 |
| PB Ratio | 0.27 | 0.58 | 0.88 | 0.35 | 0.20 | 0.22 |
| P/FCF Ratio | 0.06 | |||||
| P/OCF Ratio | 0.06 | |||||
| Debt / Equity Ratio | 29.68 | 28.61 | 32.55 | 34.05 | 22.53 | 9.15 |
| Debt / FCF Ratio | 6.48 | |||||
| Net Debt / Equity Ratio | 29.48 | 28.39 | 32.40 | 33.88 | 22.38 | 8.98 |
| Net Debt / FCF Ratio | -21.59 | -26.13 | -24.13 | -128.94 | 6.43 | -84.75 |
| Quick Ratio | 10.50 | 8.01 | 164.50 | 128.17 | 49.06 | 66.71 |
| Current Ratio | 10.62 | 8.09 | 166.06 | 129.15 | 50.75 | 75.67 |
| Asset Turnover | 0.01 | 0.02 | 0.01 | 0.01 | 0.00 | 0.08 |
| Return on Equity (ROE) | -9.93% | 30.81% | 13.75% | -49.09% | -43.80% | -125.36% |
| Return on Assets (ROA) | -0.13% | 0.37% | 0.14% | -0.69% | -1.53% | -5.69% |
| Return on Invested Capital (ROIC) | -0.53% | 1.13% | -0.05% | -1.63% | -3.51% | 1.90% |
| Earnings Yield | -28.95% | 19.68% | 5.55% | -82.79% | -236.94% | -107.68% |
| FCF Yield | -549.16% | -186.94% | -151.83% | -73.98% | 1,749.37% | -49.03% |
| Payout Ratio | 0.43% | |||||
| Buyback Yield / Dilution | 68.17% | -15.06% | -185.52% | 56.45% | 1.24% |