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FOA · NYSE · Financial - Credit Services

Finance of America

Originates reverse mortgages for retirement and distributes the loans to investors.

$18.03

After-hours close+0.01 (+0.06%)

At close$18.02(−1.80%)

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Profile

Finance Of America Companies Inc.FOAFinancials

The platform originates and acquires HECM and non-agency reverse mortgages, earning fees and initial gains. Portfolio Management holds and distributes those loans to investors, linking results to origination channels, loan valuations, and capital-markets distribution.

Retirement Solutions originates and acquires HECM and non-agency reverse mortgages through retail and third-party-originator channels. The business earns fees and initial gains on originations. The platform focuses on using home equity to support retirement financing. The unified Finance of America brand reflects the completed AAG operating-assets integration.

Portfolio Management holds the originated loans, records later fair-value adjustments and interest, and manages their disposition. Retail and third-party-originator channels supply the loans entering the portfolio. Its capital-markets and portfolio-management capabilities distribute loans to investors, making loan-originator channels, portfolio valuation, and investor distribution central operating dependencies.

Company facts

CEOGraham A. Fleming

ListedApr 5, 2021

ExchangeNYSE

HeadquartersPlano, TX

CountryUnited States

Employees753

CIK0001828937

ISINUS31738L2060

Key statistics

Market cap$161.1M

EPS (ttm)−$0.3600

P/E (ttm)−50.08

ROE-0.1%

P/B0.4106

P/S0.1036

Dividend yield—

Beta1.48vs XLF 0.70

Year to date −19.7% · Average volume (30d) 51.5K

Analysts

Price target, next 12 months$30.00+66.4%Median of 6 analysts · vs the Aug 28 close

ConsensusBuy3 of 6 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $18.03

High$30.00+66.4%

Median$30.00+66.4%

Low$30.00+66.4%

12 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Prior rating	Rating	Target
Jul 22, 2026	Alliance Global Partners	Initiate		Buy
Jul 22, 2026	Industrial Alliance Securities	Target			$30
Nov 26, 2025	UBS	Reiterate		Neutral	$29.50
Nov 20, 2024	UBS	Downgrade	Buy	Neutral

Earnings

EPS

Estimate$1.26

ReportedDue Nov 3, 2026

Revenue

Estimate$132.8M

ReportedDue Nov 3, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Aug 4, 2026Q2 FY26	$1.09	$0.84	−22.9%	$121.9M	$62.5M	−48.8%	−6.27%
May 5, 2026Q1 FY26	$0.84	$1.10	+31.0%	$115.3M	$120.1M	+4.2%	+5.10%
Mar 10, 2026Q4 FY25	$0.65	$0.69	+6.6%	$109.4M	$73.5M	−32.8%	−1.31%
Nov 4, 2025Q3 FY25	$0.65	$1.33	+105.6%	$109.4M	$80.8M	−26.1%	+4.88%

View details

Financial highlights

	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$571.7M	$597.9M	$490.9M	$493.4M	$509.1M	$62.4M
Gross profit	$146.6M	$160.4M	$438.0M	$57.8M	$95.0M	$19.7M
Operating income	$81.7M	$82.0M	$395.3M	−$22.0M	$36.3M	−$29.9M
Net income	$30.2M	$34.9M	−$9.5M	−$10.4M	$17.5M	$2.1M
Diluted EPS	$1.00	$2.13	−$1.05	−$1.34	$1.77	$0.26
Gross margin	25.6%	26.8%	89.2%	11.7%	18.7%	31.6%
Operating margin	14.3%	13.7%	80.5%	-4.5%	7.1%	-47.9%

Fiscal years (4-quarter sums)FY21 $2.31B · FY22 $713.9M · FY23 $1.18B · FY24 $1.95B · FY25 $2.15B

Balance sheet, Jun 30, 2026Cash & short-term investments $85.28B · Total debt $36.76B · Total assets $37.32B · Shareholders' equity $346.7M

Dividends

No dividends on record.

Ownership

Institutions 51.02%4.56M sharesInsiders 8.61%769.6K sharesOther 40.37%3.61M shares

Shares outstanding 8.94M · Float 4.85M · 54.2% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Blackstone Group Management L.L.C.	8.03M	50.50%	13D	Aug 5, 2025
Bloom Retirement Holdings Inc.	1.48M	9.49%	13D	Aug 6, 2026
Cooperman Leon G.	1.29M	15.00%	13G	May 13, 2026
Beach Point Capital Management LP	927.8K	10.80%	13G	Apr 7, 2026
Blue Owl Capital Holdings LP	827.4K	9.49%	13G	Feb 12, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Aug 24, 2026	Jeremy Prahm	officer: Chief Investment Officer	−6,000	$19.87
Aug 10, 2026	Jeremy Prahm	officer: Chief Investment Officer	−6,000	$21.73
Aug 6, 2026	Jeremy Prahm	officer: Chief Investment Officer	−6,000	$22.26
Aug 3, 2026	Kristen N. Sieffert	officer: President	−750	$23.61
Jul 13, 2026	Jeremy Prahm	officer: Chief Investment Officer	−6,000	$25.60