NYSE
FOA
Last Price
US $27.47
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Finance of America Companies Inc. cash flow to debt ratio of -1.42% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
Finance of America Companies Inc.'s free cash flow has decreased 1.40% from $-423.81M last year to $-429.75M, signaling decreasing performance
Financial risk - Healthy debt to equity ratio.
Finance of America Companies Inc.'s debt to equity ratio is 88.46, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Finance of America Companies Inc.'s debt has decreased relative to shareholder equity from 112.49 last year to 88.46 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Finance of America Companies Inc. has a net debt to EBITDA ratio of 196.99x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Finance of America Companies Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Finance of America Companies Inc.'s profit margin has increased (95.79%) in the last year from 0.79% to 1.56%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Finance of America Companies Inc.'s short-term assets of $324.65M exceed its short-term liabilities of $40.59M
Decreasing performance - ROA.
Finance of America Companies Inc.'s return on assets of 0.10% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Finance of America Companies Inc.'s return on equity of 10.17%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Finance of America Companies Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Decreasing performance - Earnings stability.
Finance of America Companies Inc. had positive net income in only 2.00 out of 5 years, indicating unstable earnings
Decreasing performance - Free cash flow.
Finance of America Companies Inc. has negative free cash flow, indicating the company is burning cash rather than generating it
Decreasing performance - FCF yield.
Finance of America Companies Inc. has negative free cash flow, indicating cash burn
Increasing performance - Healthy earnings growth.
Finance of America Companies Inc.'s yearly earnings has increased 192.06% since last year from $15.49M to $45.23M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Finance of America Companies Inc.'s yearly revenue has increased 476.47% since last year from $338.17M to $1.95G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.51% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Finance of America Companies Inc.'s 3-year revenue CAGR of 45.79% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Finance of America Companies Inc. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Decreasing performance - ROE consistency.
Finance of America Companies Inc. had positive ROE in only 2.00 out of 5 years, indicating inconsistent returns on equity
Overvalued - DCF valuation.
Finance of America Companies Inc. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Finance of America Companies Inc. has an earnings yield of 17.02%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Finance of America Companies Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Overvalued - EV/EBITDA.
Finance of America Companies Inc. has an EV/EBITDA ratio of 58.79x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings
Undervalued - PEG ratio value.
Finance of America Companies Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Finance of America Companies Inc. has a price-to-book ratio of 0.55x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Finance of America Companies Inc. has a price-to-sales ratio of 0.10x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
10.17%
Return on equity
ROIC: 1.51%
Valuation History
9.0X
Price to Earnings
EV/EBITDA: 58.8X
Cash flow
Profit margin
-21.83%
(FY vs FY)
Cash flow Y/Y
10.54%
(FY vs FY)
Fair Value
Market $27.47
61.05%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.