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Insufficient data to determine institutional momentum.
Data as of Q2 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on -$429.7M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 6 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 6%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 6 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $89.5M is below the $170.8M due within a year — relies on refinancing or operating cash flow. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Coverage is adequate but not comfortable. Effective rate ~16.1% on $357.5M of debt.
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Ranked against 14 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-06-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| TREE | $363M | 2.4× | 8.3× | 0.3× | 24.1% | 31.5% | 13.5% | 52.8% | 22.3% | 3.8× | 183 |
| ORBS | $330M | — | — | 10.0× | -16.8% | 1.6% | -794% | -113% | -113% | — | 139 |
| RM | $318M | 7.8× | 12.3× | 0.5× | 9.7% | — | 6.9% | 11.9% | 2.2% | 10.3× | 118 |
| SWKHL | $304M | — | 14.5× | 7.3× | -7.8% | — | -6.1% | -1.1% | -0.9% | -0.5× | — |
| DGXX | $283M | — | — | 8.3× | -7.6% | -9.4% | -82.9% | -23.0% | -23.0% | — | — |
| SNFCA | $240M | 7.3× | — | 0.7× | 3.0% | 98.6% | 9.3% | 7.8% | 7.8% | — | 79 |
| ONIT | $223M | 1.2× | — | 0.2× | 9.3% | — | 17.8% | 30.2% | 30.2% | — | 104 |
| FUFU | $218M | — | 49.0× | 0.5× | 3.1% | 6.1% | -6.5% | -20.9% | -19.0% | -3.0× | — |
| CPSS | $201M | 11.5× | — | 0.5× | 10.4% | — | 4.4% | 6.2% | 2.4% | — | 63 |
| TROO | $197M | — | — | 11.5× | 69.7% | 9.1% | -163% | -56.9% | -56.9% | — | 14 |
| XYF | $189M | 6.1× | 0.5× | 0.2× | 35.8% | 73.6% | 19.2% | 18.7% | 17.8% | -0.3× | 24 |
| SLNH | $183M | — | — | 6.2× | -21.8% | 6.1% | -180% | -99.7% | -66.5% | — | 102 |
| AMBR | $171M | — | — | 5.2× | -9.0% | 51.0% | -88.7% | -224% | -224% | — | 8 |
| DFDV | $136M | — | — | 11.9× | 442% | 97.8% | -648% | -74.3% | -32.5% | — | 47 |
| FOA | $101M | 2.9× | 1.6× | 0.2× | 26.1% | — | 9.1% | 11.4% | 6.0% | 1.2× | 78 |
Peers = companies sharing FOA's sector (Mortgage Bankers & Loan Correspondents) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
No trend data available for this metric.
EOD close · as of 2026-10-16
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|
| Revenue | $497.4M 100.0% | $394.4M 100.0% | $234.3M 100.0% | $52.8M 100.0% | $256.6M 100.0% | $891.5M 100.0% |
| Selling, General & Admin | $51.1M 10.3% | $59.5M 15.1% | $82.2M 35.1% | $71.1M 134.7% | $116.1M 45.3% | $256.2M 28.7% |
| Total Operating Expenses | $369.5M 74.3% | $343.7M 87.2% | $392.0M 167.3% | $418.2M 792.7% | $235.3M 91.7% | $818.3M 91.8% |
| Operating Income | — | — | — | — | -$2.4M -0.9% | -$327K -0.0% |
| Interest Expense | $57.6M 11.6% | -$16.7M -4.2% | $118.7M 50.7% | $118.6M 224.9% | $83.0M 32.3% | $138.7M 15.6% |
| Interest & Investment Income | $439K 0.1% | $1.9M 0.5% | $1.3M 0.5% | — | — | — |
| Other Income (Expense), net | -$14.8M -3.0% | -$6.9M -1.8% | $211K 0.1% | $32.0M 60.6% | -$6.1M -2.4% | $4.3M 0.5% |
| Pretax Income | $113.1M 22.7% | $42.8M 10.9% | -$166.8M -71.2% | -$343.0M -650.1% | $15.1M 5.9% | $77.6M 8.7% |
| Income Tax Expense | $3.5M 0.7% | $2.4M 0.6% | -$593K -0.3% | -$17.1M -32.5% | $150K 0.1% | $949K 0.1% |
| Net Income | $45.2M 9.1% | $15.5M 3.9% | -$80.1M -34.2% | -$190.7M -361.4% | $518.4M 202.0% | $54.4M 6.1% |
| Per Share | ||||||
| EPS (Basic) | $4.72 | $1.57 | -$9.77 | -$3.06 | — | — |
| EPS (Diluted) | $3.74 | $1.18 | -$9.77 | -$3.12 | — | — |
| Weighted Avg Shares (Basic) | 9.5M | 9.9M | 8.2M | 62.3M | — | — |
| Weighted Avg Shares (Diluted) | 26.9M | 23.4M | 8.2M | 188.2M | — | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
EOD close · as of 2026-10-16
Where each multiple sits in its own 6-yr range · 0th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 6-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 11% against ROIC 6% — 5% of the return on equity comes from leverage and buybacks rather than from the operating business.
Equity is the year-end figure. On average equity over the two year-ends, ROE is 12.7% — the two diverge when buybacks or issuance move equity during the year.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
High operating leverage: profit moved 17.6× as fast as sales — great in an upturn, painful in a downturn.
Each line as % of revenue — the trend in color
| % of revenue | FY2019 | FY2020 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| SG&A | 28.7 | 45.3 | 134.7 | 35.1 | 15.1 | 10.3 |
| Operating Income | -0.0 | -0.9 | — | — | — | — |
| Income Tax | 0.1 | 0.1 | -32.5 | -0.3 | 0.6 | 0.7 |
| Net Income | 6.1 | 202.0 | -361.4 | -34.2 | 3.9 | 9.1 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on FOA: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Cost of capital cannot be computed, so the spread is unknown.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2019 | not reported | -0.0% | 6.1% |
| FY2020 | not reported | -0.1% | 28.8% |
| FY2022 | not reported | -710.7% | -361.4% |
| FY2023 | not reported | -71.3% | -34.2% |
| FY2024 | not reported | 8.4% | 3.9% |
| FY2025 | not reported | 37.3% | 9.1% |
Leverage and buybacks account for 5 points of the 11% return on equity in FY2025. The business earns 6% on the capital it employs; the rest is balance sheet.
ROE is on average equity; ROIC is NOPAT over average invested capital (debt plus equity less excess cash). The gap is not a single adjustment.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: wacc.
Free cash flow has fallen short of reported profit in 3 of the last three years.
Shares outstanding are up 33% since FY2019 — per-share cash flow has grown more slowly than the totals above, and the gap is the owners'.
Missing from our data, so excluded from this answer: share_based_compensation.
Leverage is not measurable this way for a bank.
Ladder as of 2025-12-31 (10-K); cash from the 2025-12-31 balance sheet; FCF from FY2025. Free cash flow is negative, so projected resources fall rather than accumulate.
Balance sheet at 2025-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
No positive free cash flow to discount, so the price cannot be expressed as a growth requirement.
No material counter-signal in the checked set: reverse-DCF implied growth, historical FCF CAGR, per-year FCF growth distribution, reporting-basis breaks, discount rate used, free-cash-flow basis (stock comp charged?).
Missing from our data, so excluded from this answer: free_cash_flow.
| Step | Amount | Running total |
|---|---|---|
| Net income | $45M | $45M |
| Share-based comp | not reported | not reported |
| Other non-cash & working capital | −$475M | −$430M |
| Operating cash flow | −$430M | −$430M |
| Capex | $0 | −$430M |
| Free cash flow | −$430M | −$430M |
| Fiscal year | Revenue growth | Receivables growth | Gap |
|---|---|---|---|
| FY2020 | 101.9% | not reported | not reported |
| FY2022 | -97.1% | not reported | not reported |
| FY2023 | 344.0% | -48.4% | -392.4 points |
| FY2024 | 68.3% | -23.9% | -92.2 points |
| FY2025 | 26.1% | 26.2% | 0.1 points |
| Fiscal year | DSO | DIO | DPO | Cash conversion cycle |
|---|---|---|---|---|
| FY2019 | not reported | not reported | not reported | not reported |
| FY2020 | not reported | not reported | not reported | not reported |
| FY2022 | 368.5 days | not reported | not reported | not reported |
| FY2023 | 42.8 days | not reported | not reported | not reported |
| FY2024 | 19.4 days | not reported | not reported | not reported |
| FY2025 | 19.4 days | not reported | not reported | not reported |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | -0.3 percent |
| FY2020 | 6.2 percent |
| FY2022 | -7.7 percent |
| FY2023 | -0.0 percent |
| FY2024 | 1.5 percent |
| FY2025 | 1.6 percent |
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.