Finance Of Financials

FOA Stock  USD 20.74  1.11  5.65%   
Based on the key indicators obtained from Finance Of's historical financial statements, Finance of America is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, Finance Of's Total Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 329.3 M, whereas Total Assets are forecasted to decline to about 19.4 B. Key indicators impacting Finance Of's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio113119
Notably Down
Slightly volatile
Current Ratio0.0180.0189
Sufficiently Down
Slightly volatile
The financial analysis of Finance Of is a critical element in measuring its lifeblood. Investors should not minimize Finance Of's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Cash And Equivalents

117.96 Million

  
Understanding current and past Finance Of Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Finance Of's financial statements are interrelated, with each one affecting the others. For example, an increase in Finance Of's assets may result in an increase in income on the income statement.
Please note, the presentation of Finance Of's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Finance Of's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Finance Of's management manipulating its earnings.

Finance Of Stock Summary

Finance Of competes with Regional Management, Orix Corp, FirstCash, EZCORP, and SLM Corp. Finance of America Companies Inc. operates a consumer lending platform in the United States. The company was founded in 2013 and is based in Irving, Texas. Finance Of operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 6632 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS31738L1070
CUSIP31738L107 G75130107 31738L206
LocationTexas; U.S.A
Business Address5830 Granite Parkway,
SectorCapital Markets
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.financeofamerica.com
Phone877 202 2666
CurrencyUSD - US Dollar

Finance Of Key Financial Ratios

Finance Of Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets16.6B19.6B21.8B20.9B27.1B19.4B
Other Liab9.4B10.2B10.9B11.1B12.7B11.3B
Net Tangible Assets342.8M247.9M(215.0M)(120.6M)(108.6M)(103.1M)
Retained Earnings265.6M3.1M(443.6M)(634.3M)(714.4M)(678.7M)
Other Assets32.3M18.8B20.4B20.5B26.8B15.9B
Net Receivables14.5B115.5M109.1M135.9M104.1M98.9M
Capital Surpluse775.1K1.9M831.6M888.5M1.0B1.1B
Other Current Assets293.7M10.8K(580.7M)(428.9M)(328.9M)(312.5M)
Total Liab287.5M18.9B20.7B20.5B26.8B16.0B
Total Current Assets118.1M362.8M250.3M18.7M46.5M44.2M

Finance Of Key Income Statement Accounts

201920202021202220232024 (projected)
Tax Provision949K2.3M(19.5M)(16.5M)1.1M1.2M
Interest Income5.1M15.3M142.1M151.7M1.5B1.5B
Interest Expense666.4M649.7M142.1M151.7M1.4B1.5B
Total Revenue847.6M1.7B1.7B573.2M177.0M168.2M
Operating Income55.4M520.7M(271.5M)(87.4M)(54.7M)(51.9M)
Income Before Tax77.6M500.3M(1.2B)(732.1M)(166.8M)(175.2M)
Net Income76.6M518.4M(1.2B)(715.5M)(80.1M)(84.1M)
Income Tax Expense949K2.3M(19.5M)(16.5M)(593K)(622.7K)
Minority Interest188.1M166.1M924.7M(524.8M)366.4M384.7M

Finance Of Key Cash Accounts

201920202021202220232024 (projected)
Investments(108.3M)101.5M343K(4.0B)(23.6M)(24.8M)
Change In Cash143.4M156.7M462.8M(186.2M)(52.6M)(50.0M)
Net Borrowings2.1B2.1B1.8B(1.8B)(1.7B)(1.6B)
Depreciation19.3M19.3M62.2M65.0M47.5M37.0M
Capital Expenditures15.4M4.3M23.1M44.1M11.2M0.0
Net Income76.6M497.9M(251.9M)(715.5M)(80.1M)(84.1M)
Change To Netincome61.5M(1.3B)1.1B1.6B1.9B1.9B
End Period Cash Flow382.7M539.4M463.6M277.4M224.8M283.6M

Finance Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Finance Of's current stock value. Our valuation model uses many indicators to compare Finance Of value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Finance Of competition to find correlations between indicators driving Finance Of's intrinsic value. More Info.
Finance of America is one of the top stocks in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.01  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Finance of America is roughly  98.88 . At present, Finance Of's Return On Equity is projected to decrease significantly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Finance Of's earnings, one of the primary drivers of an investment's value.

Finance of America Systematic Risk

Finance Of's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Finance Of volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Finance of America correlated with the market. If Beta is less than 0 Finance Of generally moves in the opposite direction as compared to the market. If Finance Of Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Finance of America is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Finance Of is generally in the same direction as the market. If Beta > 1 Finance Of moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Finance Of Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Finance Of's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Finance Of growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0174

At present, Finance Of's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Finance Of November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Finance Of help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Finance of America. We use our internally-developed statistical techniques to arrive at the intrinsic value of Finance of America based on widely used predictive technical indicators. In general, we focus on analyzing Finance Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Finance Of's daily price indicators and compare them against related drivers.

Complementary Tools for Finance Stock analysis

When running Finance Of's price analysis, check to measure Finance Of's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Finance Of is operating at the current time. Most of Finance Of's value examination focuses on studying past and present price action to predict the probability of Finance Of's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Finance Of's price. Additionally, you may evaluate how the addition of Finance Of to your portfolios can decrease your overall portfolio volatility.
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