Finance of America Companies In — Earnings Quality Grade F
FOA · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 23 days, change -5 days YoY
AR growth 26.2% vs revenue growth 52.2%
Revenue grew 52.2% but CFFO declined -1.4%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
Small-cap context: Small-cap CFFO/NI often diverges from working-capital swings, not necessarily manipulation.
FCF < 50% of Net Income for 2 years
Accruals ratio = 1.5%. Low accruals
Cash $0.1B covers only 0% of debt $30.2B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 55% of equity. Over 50%
Insufficient data
Insufficient data
Write-offs normal
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -17% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Finance of America Companies In is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25