Finance Of America Companies Inc. (FOA) Key Metrics
FOA valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $190.7M
- Enterprise value
- $12.15B
- P/E (TTM)
- —
- Forward P/E
- 2.8
- PEG ratio
- —
- Price / sales
- 0.6 10-yr median 0.1
- Price / book
- 0.4 10-yr median 0.8
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 1.69
FOA key metrics, 2017–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFOA valuation Price multiples at each fiscal year-end price.
FOA returns How much profit the business earns on the capital it uses.
FOA per-share figures Results divided by the shares outstanding at year-end.
FOA financial health Debt, liquidity and how easily interest is covered.
FOA efficiency & capital use Working capital cycle and where the cash goes.
FOA valuation history
FOA returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FOA debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FOA cash returned to shareholders
FOA price vs earnings per share
FOA key metrics
2017–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|
| Valuation | |||||||||
| Market capitalization | $205.3M | $279.3M | $90.2M | $240.1M | — | — | — | — | — |
| Enterprise value | $30.09B | $28.95B | $26.67B | $20.30B | — | — | — | — | — |
| P/E ratio | 4.5 | 18.0 | — | — | — | — | — | — | — |
| Price / sales | 0.1 | 0.1 | 0.1 | 0.3 | — | — | — | — | — |
| Price / book | 0.6 | 1.1 | 0.4 | 0.9 | — | — | — | — | — |
| Price / free cash flow | — | — | — | 0.2 | — | — | — | — | — |
| Price / operating cash flow | — | — | — | 0.2 | — | — | — | — | — |
| EV / sales | 14.1 | 14.9 | 17.0 | 29.5 | — | — | — | — | — |
| EV / EBITDA | 198.3 | 354.1 | — | — | — | — | — | — | — |
| EV / free cash flow | — | — | — | 14.4 | — | — | — | — | — |
| Earnings yield | 22.0% | 5.5% | −88.8% | −79.4% | — | — | — | — | — |
| Free cash flow yield | −209.3% | −151.8% | −79.4% | 586.3% | — | — | — | — | — |
| Dividend yield | 0.1% | 0.0% | — | 0.0% | — | — | — | — | — |
| Shareholder yield (dividends + buybacks) | 19.7% | 0.0% | 0.0% | 0.0% | — | — | — | — | — |
| Share price at fiscal year-end | $24.21 | $28.12 | $11.00 | $12.70 | $39.70 | $104.00 | $100.30 | — | — |
| Per share | |||||||||
| Revenue per share | $251.02 | $196.29 | $191.38 | $36.34 | — | — | — | $219.61 | $216.60 |
| Earnings per share | $5.33 | $1.56 | −$9.77 | −$10.09 | — | — | — | $8.92 | $14.66 |
| Operating cash flow per share | −$50.68 | −$42.68 | −$8.73 | $74.46 | — | — | — | $168.58 | $72.39 |
| Free cash flow per share | −$50.68 | −$42.68 | −$8.73 | $74.46 | — | — | — | $164.31 | $69.26 |
| Cash per share | $38.28 | $4.77 | $5.67 | $3.23 | — | — | — | $0.01 | — |
| Book value per share | $38.19 | $25.71 | $28.34 | $13.43 | — | — | — | $0.03 | — |
| Tangible book value per share | $17.01 | $3.92 | −$3.37 | −$7.31 | — | — | — | −$40.03 | — |
| Dividends per share | $0.02 | $0.00 | — | $0.00 | — | — | — | $0.74 | $0.28 |
| Capex per share | $0.00 | $0.00 | $0.00 | $0.59 | — | — | — | $4.28 | $3.12 |
| Debt per share | $3,562.01 | $2,891.92 | $3,248.18 | $1,064.05 | — | — | — | $919.32 | — |
| Shares outstanding | 8.5M | 9.9M | 8.2M | 18.9M | — | — | — | 3.6M | 3.6M |
| Change in shares outstanding | −14.6% | +21.1% | −56.6% | — | — | — | — | 0.0% | — |
| Returns & profitability | |||||||||
| Return on equity (ROE) | 15.6% | 6.4% | −32.9% | −28.5% | −137.5% | 6.1% | 0.7% | — | — |
| Return on invested capital (ROIC) | 0.4% | 0.1% | −0.6% | −1.2% | −0.9% | 1.9% | 0.4% | 1.7% | — |
| Return on assets (ROA) | 0.2% | 0.1% | −0.3% | −0.9% | −5.7% | 2.9% | 0.4% | 0.2% | — |
| Return on tangible assets | 0.1% | 0.1% | −0.3% | −0.9% | −5.7% | 2.7% | 0.3% | 0.2% | — |
| Free cash flow margin | −20.2% | −21.7% | −4.6% | 204.9% | −6.6% | −29.7% | 6.4% | 74.8% | 32.0% |
| Income quality (OCF / net income) | −9.50 | −27.36 | — | — | — | −1.32 | 1.86 | 18.90 | 4.94 |
| Financial health | |||||||||
| Total debt | $30.21B | $28.72B | $26.63B | $20.12B | $23.58B | $21.33B | $15.59B | $3.30B | — |
| Cash & short-term investments | $324.6M | $47.4M | $46.5M | $61.1M | $141.2M | $247.3M | $1.6M | $25,000 | — |
| Net debt | $29.88B | $28.67B | $26.58B | $20.06B | $23.44B | $21.08B | $15.59B | $3.30B | — |
| Debt / equity | 93.27 | 112.49 | 114.63 | 79.22 | 21.77 | 33.96 | 0.96 | — | — |
| Debt / assets | 0.98 | 0.99 | 0.98 | 0.96 | 1.08 | 1.09 | 0.94 | 0.24 | — |
| Net debt / EBITDA | 196.99 | 350.68 | — | — | — | 40.58 | 160.81 | 230.16 | — |
| Current ratio | 8.00 | 0.09 | 0.13 | 0.14 | 0.07 | 0.12 | 0.87 | 1.00 | — |
| Quick ratio | 8.00 | 0.09 | 0.13 | −0.07 | −0.10 | 0.12 | 0.87 | 1.00 | — |
| Interest coverage | 0.1 | 0.0 | -0.1 | -0.5 | -1.9 | 0.8 | 0.1 | — | — |
| Working capital | $284.1M | −$1.17B | −$1.12B | −$1.23B | −$3.10B | −$2.61B | −$17.5M | −$95,000 | — |
| Invested capital | $30.21B | $28.93B | $26.81B | $20.31B | $24.52B | $21.71B | $31.88B | $3.30B | — |
| Tangible asset value | $216.0M | $99.3M | $12.4M | $12.6M | $52.2M | $309.2M | $16.15B | $449.6M | — |
| Net current asset value | −$30.01B | −$28.72B | −$26.67B | −$20.28B | −$20.46B | −$18.57B | −$169.4M | −$13.04B | — |
| Graham number | $67.70 | $30.03 | — | — | — | — | — | $2.53 | — |
| Graham net-net per share | −$3,536.81 | −$2,894.60 | −$3,258.18 | −$1,066.86 | — | — | — | −$1,045.53 | — |
| Capital allocation | |||||||||
| Dividends paid | $196,000 | $0 | — | $0 | $75.0M | $380.4M | $2.7M | $2.7M | $1.0M |
| Share buybacks (net) | $40.1M | $0 | $0 | — | — | — | $0 | $0 | — |
| Dividend payout ratio | 0.4% | 0.0% | — | — | — | 73.4% | 4.9% | 8.3% | 1.9% |
| Dividends + buybacks / free cash flow | — | — | — | 0.0% | — | — | 2.8% | 0.5% | 0.4% |
| Capex / revenue | 0.0% | 0.0% | 0.0% | 1.6% | 1.0% | 1.0% | 0.3% | 1.9% | 1.4% |
| Capex / operating cash flow | — | — | — | 0.8% | — | — | 4.2% | 2.5% | 4.3% |
| Capex / depreciation | 0.00 | 0.00 | 0.00 | 0.17 | 0.29 | 1.20 | 0.22 | 1.07 | 1.41 |
| Stock-based compensation / revenue | 0.5% | 0.5% | 1.6% | 7.0% | 4.1% | 0.0% | 0.2% | 0.0% | — |
| R&D / revenue | — | — | 0.0% | 0.0% | 0.0% | — | — | — | — |
| SG&A / revenue | 10.5% | 10.9% | 16.5% | 37.7% | 87.9% | 49.8% | 48.1% | 26.6% | 22.1% |
| Efficiency | |||||||||
| Days sales outstanding | 7.7 | 15.6 | 26.1 | 60.9 | 23.6 | 1,118.3 | 3,257.3 | 5,780.6 | — |
| Days of inventory on hand | — | — | — | 221.7 | 3,577.5 | -0.0 | — | — | — |
| Days payables outstanding | — | — | — | 188.9 | 2,910.7 | 0.3 | 0.0 | — | — |
| Cash conversion cycle (days) | — | — | — | 93.7 | 690.4 | 1,118.0 | 3,257.3 | — | — |
| Receivables turnover | 47.67 | 23.34 | 13.99 | 5.99 | 15.46 | 0.33 | 0.11 | 0.06 | — |
| Payables turnover | — | — | — | 1.93 | 0.13 | 1,294.81 | 7,695.33 | — | — |
| Inventory turnover | — | — | — | 1.65 | 0.10 | — | — | — | — |
| Asset turnover | 0.07 | 0.07 | 0.07 | 0.03 | 0.08 | 0.13 | 0.10 | 0.06 | — |
| Average receivables | $44.7M | $83.5M | $112.2M | $114.6M | $112.3M | $7.32B | $13.51B | $12.50B | — |
| Average payables | — | — | — | $372.3M | $236.2M | $501,767 | $86,595 | — | — |
| Average inventory | — | — | — | $436.9M | $290.3M | −$10,833 | — | — | — |
| Intangibles / total assets | 0.6% | 0.7% | 1.0% | 1.9% | 4.7% | 1.6% | 0.9% | 1.0% | — |
Computed from FOA's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FOA valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Finance Of America traded at 4.5 times earnings. Finance Of America earned a return on equity of 15.6% and a return on invested capital of 0.4% in fiscal 2025. It ended the year with $30.2 billion of debt and $324.6 million in cash and short-term investments, net debt of $29.9 billion. It returned $40.3 million to shareholders: $0.2 million in dividends and $40.1 million in share buybacks. The share count rose 136.0% from 3.6M to 8.5M over 8 years.
See the FOA income statement, the FOA chart for price history, or the FOA stock overview for the latest quote and news.
FOA key metrics FAQ
What is Finance Of America's P/E ratio?
Finance Of America traded at 4.5 times earnings at the end of fiscal 2025.
What is Finance Of America's EV/EBITDA?
Finance Of America's enterprise value was 198.3 times EBITDA at the end of fiscal 2025 (enterprise value $30.1 billion, EBITDA $151.7 million).
What is Finance Of America's return on equity?
Finance Of America's return on equity (ROE) was 15.6% in fiscal 2025: net income of $45.2 million on average shareholders' equity of $289.6 million.
What is Finance Of America's ROIC?
Finance Of America's return on invested capital was 0.4% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Finance Of America have?
Finance Of America had total debt of $30.2 billion at the end of fiscal 2025, a debt-to-equity ratio of 93.27 and $29.9 billion of net debt (196.99 times EBITDA).
What is Finance Of America's dividend yield?
Finance Of America paid $0.2 million in dividends in fiscal 2025 ($0.02 per share), a payout ratio of 0.4%.
Does Finance Of America buy back its shares?
Yes. Finance Of America spent $40.1 million on net share repurchases in fiscal 2025 Shares outstanding changed −14.6% over the year, to 8.5M..
What is Finance Of America's free cash flow yield?
Finance Of America generated -$429.7 million of free cash flow in fiscal 2025, a free cash flow yield of −209.3% on its market value at year-end ($205.3 million).
What is Finance Of America's current ratio?
Finance Of America's current ratio was 8.00 at the end of fiscal 2025: current assets were 8.00 times current liabilities.