FINANCE OF AMERICA COMPANIES INC C (FOA)
Financials · Reverse mortgage lending and home equity finance · NYSE
FOA unlocks home equity for retirement-focused seniors through reverse mortgages and home equity loans, monetizing portfolios through institutional investor sales and securitization.
What FINANCE OF AMERICA COMPANIES INC C does
Finance of America Companies Inc. is a financial services holding company specializing in home equity-based financing solutions for seniors aged 55 and over. The company originates, acquires, and services reverse mortgage loans (both FHA-insured HECM loans and non-agency products) and traditional home equity loans, while providing capital markets and portfolio management capabilities to distribute loans to investors. FOA targets the large underserved market of American retirees seeking to unlock home equity for retirement security.
Themes: ["Reverse mortgage lending","Senior financial solutions / retirement income","Home equity unlocking","Loan securitization and investor distribution","Aging demographics / 65+ population"]
Fundamentals
- Price$25.46 as of 2026-07-09 close
- Market cap$228M as of 2026-07-10
- 1-year return+9.4% as of 2026-07-09 close
- P/E6.99 as of 2026-07-10
- Net margin+1.5% as of 2026-07-10
- Gross margin+95.9% as of 2026-07-10
- ROE+10.2% as of 2026-07-10
- Debt / equity88.46 as of 2026-07-10
- Revenue growth (YoY)+1.9% as of 2026-07-10
- Revenue CAGR (3y)+111.3% SEC XBRL
- Beta1.66 as of 2026-07-10
Dividend: yield +0.6%; pays a dividend.
Key risks (from latest filing)
["Sensitivity to interest rate changes and mortgage market conditions; inability to maintain profitability in higher rate environments","Regulatory risks including licensing, servicing guidelines with Ginnie Mae and HUD, and pending acquisition approval (Onity Mortgage transaction)","Geographic and market concentration risk if economic conditions decline or natural disasters impact current operating markets"]
Competitors & peers
- New Residential Investment Corp (NRZ)
- Pennymac (PFSI)
- MGIC Investment Corporation (MTG)
- Radian Group (RDN)
- United Wholesale Mortgage (UWMC)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.