EFC vs FOA
EFC: Specialty finance company generating returns from a diversified portfolio of mortgage-backed securities, residential/commercial loans, and reverse mortgage investments, funded with leverage through capital markets. FOA: FOA unlocks home equity for retirement-focused seniors through reverse mortgages and home equity loans, monetizing portfolios through institutional investor sales and securitization.
Side-by-side fundamentals
| Metric | EFC | FOA | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $13.36 | $23.58 | |
| Market cap as of 2026-07-30 | $1.7B | $222M | |
| P/E as of 2026-07-30 | 7.96 | 6.81 | FOA lower |
| PEG as of 2026-07-30 | 0.42 | n/a | |
| Net margin as of 2026-07-30 | +40.4% | +1.5% | EFC higher |
| Gross margin as of 2026-07-30 | +27.3% | +95.9% | FOA higher |
| Operating margin as of 2026-07-30 | -8.0% | +82.5% | FOA higher |
| ROE as of 2026-07-30 | +11.9% | +10.2% | EFC higher |
| ROA as of 2026-07-30 | +1.1% | +0.1% | EFC higher |
| Debt / equity as of 2026-07-30 | 9.21 | 88.46 | EFC lower |
| Revenue growth (YoY) as of 2026-07-30 | +22.7% | +1.9% | EFC higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +111.3% | |
| Dividend yield as of 2026-07-30 | +11.5% | +0.6% | EFC higher |
| Dividend streak (yrs) SEC XBRL | 1 | n/a | |
| Beta as of 2026-07-30 | 0.94 | 1.67 | |
| 1-year return as of 2026-07-27 close | +0.9% | -3.0% | EFC higher |
Fundamentals: market data, as of 2026-07-30. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.