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Finance of America Companies Inc. (FOA)

NYSE: FOA · Mortgage Bankers & Loan Correspondents · Plano, TX · filing with the SEC since 2020
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Grade3.7
◀ Past 1.9● Present 4.4▶ Future 5.7
1 est.
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The grade of Finance of America Companies Inc.

Nine metrics read from its own filings, by tense
Headline grade
3.7/10
◀ Past1.940% of the headline
● Present4.435% of the headline
▶ Future5.725% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

1.9/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
0.3/10

Has it survived what it has been through?

7 warning events since 2020; the latest 2025-05-15.

weight 45% of this tense · 3rd percentile among 20 sector filers · read for itself

From the record

Finance of America Companies Inc.'s filings since 2020 show 7 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 3 times, the latest 2024-07-05); a warning not to rely on past financial statements (8-K item 4.02, 2 times, the latest 2025-05-15); a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2025-05-15) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
3.4/10

What has it actually done, year after year?

-9.3% a year over 6 filed years; profitable in 4 of 6.

weight 22% of this tense · 34th percentile among 19 sector filers · read for its customers

From the record

Finance of America Companies Inc.'s 6 filed years say what it did: revenue went from $892 million in fiscal 2019 to $497 million in fiscal 2025, down 9.3% a year; it rose in 4 of 5 years; the deepest fall was 97% from fiscal 2020 to fiscal 2022; net income was positive in 4 of 6 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-9.3%bottom 3% of its family
  • the share of years revenue rosetop 24% of its family
  • the share of filed years with a profitbottom 42% of its family
  • the deepest fall from a revenue peak97.1%bottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate
3.1/10

How has it treated the people who own it?

SI estimate 3.1/10, confidence 35 of 100 (one part).

weight 33% of this tense · 31st percentile among 19 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, the share count over the years, which ranks in the bottom 31% of 19 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned
one part: the share count over the years, the one part on file, ranked among 19 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Finance of America Companies Inc.'s shareholder treatment is put at 3.1 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 31% of 19 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

4.4/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
2.8/10

Is it financially healthy right now?

ROE 11%: 11¢ of profit per shareholder dollar. Leverage 99%: owes 99¢ per asset dollar.

weight 45% of this tense · 28th percentile among 19 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Finance of America Companies Inc. earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 99 cents per dollar of assets, and net share issuance: its share count grew 15.1% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 3% of its family
  • return on equitytop 50% of its family
  • the share count against the year beforebottom 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.7/10

How strong is its position in its industry?

top 43% of 19 in its family; net margin 9.1%.

weight 33% of this tense · 57th percentile among 19 sector filers · read for its customers

From the record

Finance of America Companies Inc.'s standing among 19 graded names in its industry family: revenue of $497 million in fiscal 2025 ranks in the bottom 38% by size; a net margin of 9.1% ranks in the bottom 39%; revenue growth of 111.2% a year over the last 3 filed years ranks in the top 8% (its annual reports).

What it rests on

  • revenue against the family$497Mbottom 38% of its family
  • net margin9.1%bottom 39% of its family
  • three-year revenue growth111.2%top 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
5.5/10

What are the people in charge doing?

top 45% of 14 in its family for leadership; chief executive since 2022.

weight 22% of this tense · 55th percentile among 14 sector filers · read for its shareholders

From the record

Finance of America Companies Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Fleming, Graham (Chief Executive Officer, as filed), filing under that title since 2022-08-10, 4.3 years (bottom 46% of its family); the 12 officers and directors filing in the last fifteen months have been on the record a median of 5.6 years (bottom 29%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 12 people in charge now (top 9%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge2 in three years among 12 peopletop 9% of its family
  • the median years the people in charge have filed5.6 yearsbottom 29% of its family
  • the chief executive's years on the record4.3 yearsbottom 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.7/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.4/10

How much room does it have to grow?

bottom 34% of 19 in its family for room to expand.

weight 33% of this tense · 34th percentile among 19 sector filers · read for itself

From the record

Finance of America Companies Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $325 million against debt of $358 million leaves -0.1% of its assets as net cash, top 50% of its family; cash from operations less capital spending is -86.4% of revenue (bottom 18%) (its annual report).

What it rests on

  • cash less debt against assets-0.1%top 50% of its family
  • cash from operations less capital spending against revenue-86.4%bottom 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
8.0/10

What could actually drive growth from here?

top 20% of 19 in its family for growth drivers.

weight 33% of this tense · 80th percentile among 19 sector filers · read for its customers

From the record

Finance of America Companies Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 111.2% a year over the last three filed years against -9.3% over all 6, speeding up (top 3% of its family); the newest year grew 26.2% (top 39%); capital spending grew 37.8% a year (top 18%) (its annual reports). Finance of America Companies Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+120.5 points a yeartop 3% of its family
  • the newest year's revenue growth26.2%top 39% of its family
  • three-year growth of capital spending37.8%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.6/10

Did its newest year beat what its own record pointed to?

top 44% of 17 in its family for expectations against reality.

weight 33% of this tense · 56th percentile among 17 sector filers · read for its shareholders

From the record

Finance of America Companies Inc.'s newest year against its own record: revenue of $497 million in fiscal 2025 came in 53.8% below the $1.1 billion its prior three years' pace pointed to (bottom 3% of its family); net income of $45 million against a prior three-year average of $85 million (top 21%); a net margin of 9.1% against losses larger than its revenue before (top 15%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-53.8%bottom 3% of its family
  • net income against the prior three years' average+153%top 21% of its family
  • net margin against its prior averageup more than 100 pointstop 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton FOA · research, not advice