Finance Of America Companies Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Finance Of America Companies Inc (FOA) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Finance Of America Companies Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 337M vs 1,651M combined for its competitors (17.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-25.8% annualized vs trailing 12 months), vs accelerating (+5.4%) for its tracked peer group.
- Growth: Finance Of America Companies Inc generated -64.8% revenue growth year over year in Q2 2026, vs 10.9% for its competitors combined.
- Profitability: Its -46.2% net margin compares with 38.6% for the peer group.
- Scale: Finance Of America Companies Inc ranks #25 of 31 companies by market capitalization in the Consumer Financial Services industry, holding 0.1% of industry market cap.
- Peer revenue share: Finance Of America Companies Inc accounted for 12.6% of combined revenue among its tracked peer group, down from 31.1% a year earlier.
- Peer differentiation: Revenue per employee of $0.43M compares with $0.02M for the peer group (21.2x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
FOA Sales vs. its Competitors, Q2 2026
Finance Of America Companies Inc reported revenue contraction of 64.77 % year on year in Q2 2026, below its competitors' combined revenue growth of 10.88 %.
With a net margin of -46.18 %, Finance Of America Companies Inc reported lower profitability than its competitors (38.55 %).
Finance Of America Companies Inc generated 12.56 % of the combined sales of its peer group, down from 31.14 % a year earlier.
API endpoints for this dataset
Finance Of America Companies Inc vs. its Competitors, Q2 2026
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Finance Of America Companies Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Finance Of America Companies Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Finance Of America Companies Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (8) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (3) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Finance Of America Companies Inc's competitor groups requires a Commercial License.
For context: the Consumer Financial Services industry grew revenue 6.3% year over year, combined, vs -64.8% for Finance Of America Companies Inc. Finance Of America Companies Inc's share of combined industry revenue moved from 0.45% to 0.15%, a loss of 0.30 percentage points.
Finance Of America Companies Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Finance Of America Companies Inc | No | No | No | Yes |
| Competitors combined (4) | ||||
| Similar-Size Competitors (9) | ||||
| Similar Growth & Profitability (8) | 57.10 % (4 of 7) | 50.00 % (4 of 8) | 25.00 % (2 of 8) | 37.50 % (3 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
FOA Stock Performance relative to its Competitors
FOA Stock Performance relative to Similar-Size Competitors
FOA Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
| 2 | First Bancorp | 282.9% | Outperformed |
| 3 | First Bancorp | 282.9% | Outperformed |
| 4 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Finance Of America Companies Inc's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Finance Of America Companies Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Finance Of America Companies Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Finance Of America Companies Inc |
217.78 | 336.98 |
 Bank Bradesco |
13,799.48 | 118.96 |
 First Bancorp |
4,025.17 | 954.21 |
 First Bancorp |
2,716.67 | 453.12 |
 Financial Institutions Inc |
804.02 | 243.46 |
| SUBTOTAL | 21,563.12 | 2,106.74 |
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Finance Of America Companies Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Finance Of America Companies Inc's Competitors Named by the Company
Competitive relationships identified from Finance Of America Companies Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank Bradesco | Company report | 85% |
| Financial Institutions Inc | Company report | 85% |
| First Bancorp | Company report | 85% |
| First Bancorp | Company report | 85% |
| Partners Bancorp | Company report | 85% |
Company report basis, confidence, active dates and source counts for Finance Of America Companies Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Finance Of America Companies Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Finance Of America Companies Inc | 218 | 429,827 | -58,000 |
| Bank Bradesco | 13,799 | 1,449 | 52,215 |
| First Bancorp | 4,025 | 296,523 | 115,773 |
| First Bancorp | 2,717 | 329,785 | 119,322 |
| Financial Institutions Inc | 804 | 385,837 | 130,945 |
| PEERS TOTAL | 21,345 | 20,268 | 56,182 |
Finance Of America Companies Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 29 companies in Finance Of America Companies Inc's industry classification, broader than the peer set above. Market cap in millions of $.Finance Of America Companies Inc ranks #25 of 29 companies by market capitalization in its industry, holding 0.05 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,799, indicating a moderately concentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | S and p Global Inc | 137,898 | 32.09 % |
| 2 | Moody s Corporation | 88,505 | 20.60 % |
| 3 | Paccar Inc | 54,839 | 12.76 % |
| 4 | Rocket Companies Inc | 42,966 | 10.00 % |
| 5 | Affirm Holdings Inc | 1,234 | 5.2% |
| 6 | Equifax Inc | 1,234 | 5.2% |
| 7 | Transunion | 1,234 | 5.2% |
| 8 | Onemain Holdings Inc | 1,234 | 5.2% |
| 9 | Credit Acceptance Corp | 1,234 | 5.2% |
| 10 | Nelnet Inc | 1,234 | 5.2% |
| 25 | Finance Of America Companies Inc | 218 | 0.05 % |
Market cap and industry share for the rest of Finance Of America Companies Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-09.
Finance Of America Companies Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 20 | Pra Group Inc | 497 | -5.10 % |
| 21 | Plumas Bancorp | 445 | 52.41 % |
| 22 | Regional Management Corp | 352 | -0.35 % |
| 23 | Lesaka Technologies Inc | 278 | -15.90 % |
| 24 | Onity Group Inc | 1,234 | 12.3% |
| 25 | Finance Of America Companies Inc | 218 | -41.69 % |
| 26 | Usio Inc | 1,234 | 12.3% |
| 27 | Old Market Capital Corp | 1,234 | 12.3% |
| 28 | Creditriskmonitor com Inc | 1,234 | 12.3% |
| 29 | 1st Franklin Financial Corporation | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Finance Of America Companies Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-09. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Finance Of America Companies Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Consumer Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (54 companies). See the full Consumer Financial Services industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 35.04 % | 43.25 % (avg) | -8.2 pp |
| Operating Margin | -17.18 % | industry median | -29.6 pp |
| EBITDA Margin | -20.77 % | 21.42 % (avg) | -42.2 pp |
| Capital Intensity (Capex / Revenue) | 0.00 % | 5.73 % (avg) | -5.7 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Finance Of America Companies Inc's Valuation vs Competitive Position
Valuation multiples vs the Consumer Financial Services industry average (54 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Consumer Financial Services industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 19.6x | - |
| EV / EBITDA | - | 11.9x | - |
| P/B | 0.9x | 2.6x | -1.8x |
| Return on Equity | -11.32 % | industry aggregate | -27.91 % |
| Return on Invested Capital | -0.17 % | 2.77 % (avg) | -2.94 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Finance Of America Companies Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue Growth | - | - | 18.09 % | 44.36 % | 47.09 % |
| Operating Margin | - | - | 66.88 % | - | 22.74 % |
| Return on Invested Capital | - | 7.89 % | 0.57 % | - | 0.36 % |
| P/E | - | - | - | 2.4x | 6.8x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Finance Of America Companies Inc's Strategic Group Map
Finance Of America Companies Inc is shown in red; its closest peers by combined growth, margin and ROIC are labeled. See Methodology: Strategic Group Map for how this chart is built.
Finance Of America Companies Inc's trailing-12-month revenue growth of -36.1% and operating margin of -17.2% compares with an average of -7.3% growth and -9.4% margin across its 8 closest peers by combined growth, margin and ROIC -- Finance Of America Companies Inc sits below that peer average on growth and below it on margin.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Finance Of America Companies Inc's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Finance Of America Companies Inc falls in the Dog quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 1.9% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Finance Of America Companies Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,799 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.00 % vs industry average 5.73 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Finance Of America Companies Inc's dedicated Suppliers and Customers pages, not here.
Finance Of America Companies Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Finance Of America Companies Inc falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Finance Of America Companies Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Operating margin 29.6 points below the industry median.
- Return on equity 27.9 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-25.8% annualized vs trailing 12 months).
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.00x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
No rule matched.
Threats
No rule matched.
Methodology: see Methodology: SWOT Analysis.
Finance Of America Companies Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Finance Of America Companies Inc | 0.72 | 0.75 | 4.73 |
| Bank Bradesco | 90.31 | 6.18 | - |
| First Bancorp | 0.05 | 0.53 | 0.14 |
| First Bancorp | 0.02 | 0.05 | 0.04 |
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Finance Of America Companies Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Finance Of America Companies Inc | Q2 2026 | -64.8 % | - |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| First Bancorp | Q2 2026 | +9.4 % | +19.9 % |
| First Bancorp | Q3 2026 | +49.3 % | +151.8 % |
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| PEERS TOTAL | -36.1 % | +27.6 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Finance Of America Companies Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Finance Of America Companies Inc | Q2 2026 | - | - |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
| First Bancorp | Q2 2026 | +1,584.5 % | +93.1 % |
| First Bancorp | Q3 2026 | -62.2 % | +143.6 % |
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
Finance Of America Companies Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Finance Of America Companies Inc | - | - | - |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
| First Bancorp | 1.94% | 5.76% | 19.03% |
| First Bancorp | 1.27% | 1.27% | 9.69% |
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Finance Of America Companies Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Finance Of America Companies Inc | - | 0.65 |
| Bank Bradesco | 0.58 | 116.00 |
| First Bancorp | 11.06 | 4.22 |
| First Bancorp | 16.54 | 6.00 |
| Financial Institutions Inc | 9.98 | 3.30 |
| PEERS AVERAGE | 4.44 | 10.24 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.