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FOA vs V

FOA
Finance of America Companies Inc.
BEARISH
Price
$21.46
Market Cap
$183.5M
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
FOA
5.45
V
28.35
Forward P/E
FOA
4.09
V
20.79
P/B Ratio
FOA
0.52
V
15.09
P/S Ratio
FOA
0.37
V
14.08
EV/EBITDA
FOA
--
V
20.06

Profitability

Gross Margin
FOA
82.82%
V
97.78%
Operating Margin
FOA
-20.66%
V
68.3%
Profit Margin
FOA
9.09%
V
50.23%
ROE
FOA
30.81%
V
53.95%
ROA
FOA
0.37%
V
18.36%

Growth

Revenue Growth
FOA
--
V
14.6%
Earnings Growth
FOA
--
V
17.4%

Financial Health

Debt/Equity
FOA
28.61
V
0.55
Current Ratio
FOA
8.09
V
1.11
Quick Ratio
FOA
8.01
V
0.72

Dividends

Dividend Yield
FOA
--
V
0.89%
Payout Ratio
FOA
0.0%
V
22.91%

AI Verdict

FOA BEARISH

FOA presents as a classic value trap, characterized by a critically weak Piotroski F-Score of 2/9 and an unsustainable Debt/Equity ratio of 28.61. While the stock appears deeply undervalued relative to its Graham Number ($60.29) and Intrinsic Value ($27.58), these metrics are overshadowed by severe financial instability and a negative operating margin of -20.66%. Massive insider selling totaling $67.24M and a bearish technical trend further signal a lack of confidence in the company's long-term viability. The high ROE is likely a byproduct of extreme leverage rather than operational efficiency, as evidenced by the dismal ROA of 0.37%.

Strengths
Low P/E ratio of 5.45 relative to sector averages
Trading significantly below book value (P/B 0.52)
Strong gross margins (82.82%)
Risks
Extreme leverage with a Debt/Equity ratio of 28.61
Critically low Piotroski F-Score (2/9) indicating poor financial health
Negative operating margin (-20.66%) suggesting core business inefficiency
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

FOA vs V: Head-to-Head Comparison

This page compares Finance of America Companies Inc. (FOA) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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