What is the 13F Pro Quality Score for FOA?

13F Pro ranks Finance of America Companies Inc. (FOA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FOA's current score at https://13fpro.ai/research/FOA (free sign-up required for the full ranking).

Where does 13F Pro source FOA data?

All Finance of America Companies Inc. fundamentals and ownership data come directly from SEC EDGAR. Finance of America Companies Inc. files with the SEC under CIK 1828937. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FOA in?

Finance of America Companies Inc. (FOA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FOA research updated on 13F Pro?

FOA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Finance of America Companies Inc.(FOA)Stock Analysis

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13F Pro Quality Score

39.6/100

Rank #1,965 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

30.0/100

Profitability

74.5/100

Balance Sheet

37.3/100

Earnings Quality

30.0/100

Free Cash Flow

7.3/100

Institutional Flow

1.3/100

Revenue Scale

38.2/100

Dilution Risk

94.9/100

FOA Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Finance of America Companies Inc. (FOA), a Financials sector company. 13F Pro's AI-powered ranking engine scores FOA at 39.6/100 on a 32-signal composite quality model, placing it at rank #1,965 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include institutional flow (1.3) and free cash flow (7.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), Finance of America Companies Inc. reports quarterly revenue of $120.1M, net income of $17.5M, free cash flow of $-130.9M. Top institutional holders of FOA by reported 13-F value include COOPERMAN LEON G, Beach Point Capital Management, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. FOA trades on the NYSE exchange and files with the SEC under CIK 1828937. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FOA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Finance of America Companies Inc. directly from SEC EDGAR. Finance of America Companies Inc.'s 13F Pro composite quality score has ranged between 14 and 58 since 2022, currently 39.6 — an improving long-term trajectory across 26 quarterly and live scoring snapshots.

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Fun facts about Finance of America Companies Inc.

Quirks, history, and lore behind FOA — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · listed on the NYSE · focused on residential lending and retirement-age homeowners.
2
The Numbers
A small-cap lender whose loan portfolio runs into the billions of dollars, but like many specialty mortgage shops it has faced pressure from rising interest rates squeezing margins.
3
The History
The business traces its roots to the early 2000s and went public via a SPAC merger — that very 2020s move — landing on the NYSE as a standalone public company.
4
The Secret
Its core specialty is reverse mortgages — letting older homeowners tap their equity without monthly payments — plus home improvement and commercial mortgage lending.
5
The Lore
It is one of the largest reverse mortgage originators in the country, operating in a niche that most big banks abandoned, serving borrowers aged 62 and older.
6
The Giveaway
Its ticker spells out exactly what it does: provide finance — specifically for America's senior homeowners — and its full name literally says Finance of America.

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Revenue

Q1 2026

$120.1M

Net Income

Q1 2026

$17.5M

Free Cash Flow

Q1 2026

$-130.9M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+47.1% YoY

$497.4MFY 2025

FY21 —FY23 $234.3MFY24 $338.2MFY25 $497.4M

Net Income

+192.1% YoY

$45.2MFY 2025

FY21 —FY23 $-80.1MFY24 $15.5MFY25 $45.2M

EPS (Diluted)

+216.9% YoY

$3.74FY 2025

FY21 —FY23 $-9.77FY24 $1.18FY25 $3.74

Total Assets

+5.4% YoY

$30.73BFY 2025

FY21 $21.79BFY23 $27.11BFY24 $29.16BFY25 $30.73B

Total Debt

-4.5% YoY

$357.5MFY 2025

FY21 $353.4MFY23 $410.9MFY24 $374.5MFY25 $357.5M

Op. Cash Flow

-1.4% YoY

$-429.7MFY 2025

FY21 —FY23 $-71.6MFY24 $-423.8MFY25 $-429.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2021
Revenue	$497.4M +47.1%	$338.2M +44.4%	$234.3M	—
Net Income	$45.2M +192.1%	$15.5M +119.3%	$-80.1M	—
EPS (Diluted)	$3.74 +216.9%	$1.18 +112.1%	$-9.77	—
Total Assets	$30.73B +5.4%	$29.16B +7.6%	$27.11B +24.4%	$21.79B
Total Debt	$357.5M -4.5%	$374.5M -8.9%	$410.9M +16.3%	$353.4M
Operating Cash Flow	$-429.7M -1.4%	$-423.8M -492.2%	$-71.6M	—

AI Insight: FOA Financial Trends

FOA's operating cash flow has been persistently negative for eight straight quarters, overshadowing sporadic net income recoveries.

• Net income swings sharply quarter to quarter — from $84M in Q3 2024 to -$59M in Q4 2024 — signaling highly volatile earnings quality.

• Revenue declined from $290M in Q3 2024 to $74M in Q4 2025, with only a partial recovery to $120M in Q1 2026.

• Operating cash flow has remained negative every quarter, deteriorating to -$150M in Q3 2025 before improving slightly to -$91M in Q4 2025.

• Total debt edged up from $375M in Q4 2024 to $390M in Q3 2025, then eased to $358M in Q4 2025 — modest but early deleveraging signal.

⚠ Operating cash flow worsened to -$131M in Q1 2026 despite a net income return to positive — cash burn remains a persistent concern.

⚠ Revenue dropped to $74M in Q4 2025, the lowest in the dataset; whether Q1 2026's $120M rebound is durable or seasonal needs monitoring.

⚠ Debt levels and equity data remain largely unreported; limited balance sheet visibility makes leverage risk difficult to fully assess.

AI Insight: FOA Ratio Trends

FOA's profitability is deeply volatile, swinging from +71.8% operating margin in Q3 2024 to -35.3% in Q3 2025, with Q1 2026 showing a tentative recovery to 30.2%.

• Operating margin collapsed from 46.2% in Q2 2025 to -35.3% in Q3 2025, then -29.9% in Q4 2025 — a sharp two-quarter deterioration.

• Q1 2026 operating margin rebounded to 30.2% and NPM to 14.6%, recovering from back-to-back negative quarters in Q3–Q4 2025.

• ROA turned negative in Q3 2025 (-0.1%) and Q4 2025 (-0.1%), after positive readings of 0.4%–0.5% in Q1–Q2 2025.

• TTM operating margin of 15.0% and NPM of 7.2% reflect the drag of two loss-making quarters blended with two profitable ones.

⚠ ROIC was only reported in Q3–Q4 2025 at deeply negative levels (-29.3%, -24.6%); absence of data elsewhere limits trend visibility.

⚠ Q1 2026 recovery to 30.2% op margin must be sustained — prior recoveries (Q3 2024: 71.8%) proved short-lived.

⚠ ROE and D/E remain entirely unreported, leaving leverage and equity-return risk unquantifiable.

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Available Research

13F Pro tracks comprehensive data for Finance of America Companies Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FOA

COOPERMAN LEON G
$21.3M1,286,068 sh
Beach Point Capital Management LP
$15.4M927,837 sh
VANGUARD CAPITAL MANAGEMENT LLC
$5.4M324,822 sh
JANE STREET GROUP, LLC
$4.9M295,300 sh
BlackRock, Inc.
$4.8M288,279 sh
Caption Management, LLC
$3.6M215,700 sh
AMERICAN CENTURY COMPANIES INC
$2.7M160,600 sh
BRIGADE CAPITAL MANAGEMENT, LP
$2.6M157,000 sh
TWO SIGMA INVESTMENTS, LP
$1.9M115,444 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.8M111,226 sh

Fund	Value	Shares
COOPERMAN LEON G	$21.3M	1,286,068
Beach Point Capital Management LP	$15.4M	927,837
VANGUARD CAPITAL MANAGEMENT LLC	$5.4M	324,822
JANE STREET GROUP, LLC	$4.9M	295,300
BlackRock, Inc.	$4.8M	288,279
Caption Management, LLC	$3.6M	215,700
AMERICAN CENTURY COMPANIES INC	$2.7M	160,600
BRIGADE CAPITAL MANAGEMENT, LP	$2.6M	157,000
TWO SIGMA INVESTMENTS, LP	$1.9M	115,444
GEODE CAPITAL MANAGEMENT, LLC	$1.8M	111,226

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Is FOA a good stock to buy?

13F Pro's AI-powered analysis of Finance of America Companies Inc. (FOA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FOA are available on the FOA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FOA?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FOA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Finance of America Companies Inc.'s investment landscape.