COMP <GO>
FOA vs USBC // REVENUE GROWTH (YOY)
Finance of America Companies Inc. (Class A) (NYSE) VS. USBC Inc. (NYSE) • 15-METRIC TALLY: FOA 3
— USBC 1
■ METRIC PARITY
LAST: $10.50 (+0.10%) • MKT CAP: $181.5M
revenue-growth
26.10%
LAST: $0.41 (-6.03%) • MKT CAP: $169.2M
revenue-growth
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FOA VS. USBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FOA | USBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.40% | -18.40% | +29.80 | FOA | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -4.49% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 9.10% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | 26.10% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 2/9 | +1.00 | FOA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 25.1 | 37.7 | -12.67 | USBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 3.5x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $181.5M | $169.2M | $12.4M | FOA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FOA REV | USBC REV | FOA GROSS % | USBC GROSS % | FOA FCF | USBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $497.4M | $0 | — | — | -$429.7M | -$7.6M |
| FY 2024 | $394.4M | $0 | — | — | -$423.8M | -$12.9M |
| FY 2023 | $234.3M | $0 | — | — | -$71.6M | -$10.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FOA // BETA —
USBC // BETA —