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Finance Of America Companies Inc. (FOA)

NYSE / Financial Services / Financial - Credit Services

Share price

10.99 USD Market dataClose of Oct 15, 2026

Market capitalisation

101.3M USD Market dataClose of Oct 15, 2026
Market data
Oct 15, 2026
Filed accounts
FY2025, filed Mar 13, 2026
Ratios computed
Oct 15, 2026
Filed years
6, FY2019 to FY2025
Four kinds of sourceSEC filingCompany statementMarket dataComputedWhat each means
SEC filingFiled with the SEC
Read from a statement the company filed with the SEC, with the form, fiscal year, filing date and accession beside it.
Company statementCompany statement
What the company says about itself in a filing: an 8-K item, the auditor, its own segment names.
Market dataMarket data
Prices, market value and what analysts publish, with the date they are as of.
ComputedComputed by ValueScreener
Worked out by us from the other three, with the inputs and the formula one press away. A score is a research output, not a rating or a recommendation.
Reading

1 of 10

Overview

What the business is, what it costs, and how it reads on four questions.

Market dataSEC filingComputed

Four questions, at a glance

Quality

Return on equity

14.0% Computed

From the FY2025 filing

Read quality

Financial strength

Debt to equity

n/a Computed

From the FY2025 filing

Why n/a

The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.

Read financial strength

Valuation

Price to earnings

2.33x Computed

FY2025 accounts, priced at the latest close

Read valuation

Cash generation

Free cash flow yield

n/a Computed

FY2025 accounts, priced at the latest close

Why n/a

We do not hold this figure for this company, so there is nothing to show.

Read cash generation

Revenue and net income, by fiscal year

FY2017 Revenue: 778.5M USDFY2017 Net income: 52.7M USDFY2019 Revenue: 891.5M USDFY2019 Net income: 54.4M USDFY2020 Revenue: 1.80B USDFY2020 Net income: 518.4M USDFY2022 Revenue: 52.8M USDFY2022 Net income: -190.7M USDFY2023 Revenue: 234.3M USDFY2023 Net income: -80.1M USDFY2024 Revenue: 394.4M USDFY2024 Net income: 15.5M USDFY2025 Revenue: 497.4M USDFY2025 Net income: 45.2M USD
Revenue Net income7 fiscal years; a year whose statement names no SEC filing is market data, and the table in Filings says which.
Named tests met
2 of 30 Which tests
The business, and the score behind its five axes

The reading, in brief

Is it cheap

Price to earnings is 2.33x at the close of 2026-10-15 on FY2025 figures; the lines are 15.00x (Graham's defensive ceiling) and, by market convention, 10.00x, 25.00x and 40.00x, and this sits below the lowest.

Today, against the Financial - Credit Services industry (43 companies), 2.33x sits at the 11th percentile; the middle half of that group runs from 6.66x to 19.92x.

Is it good

Return on equity was 14.0% in FY2025, in the band labelled "Ordinary" (8.0% to 15.0%), on lines anchored on Damodaran's cost-of-capital data.

Today, against the Financial - Credit Services industry (53 companies), 14.0% sits at the 58th percentile; the middle half of that group runs from 5.5% to 21.2%.

Year by year against peers
Whether Finance Of America Companies Inc.'s return on equity stayed above the median of the Financial - Credit Services industry, year by year. (FY2022 to FY2025, 4 fiscal years of Finance Of America Companies Inc. with a comparable figure)
What could explain it
What in Finance Of America Companies Inc.'s filed statements could explain the movements. (2 readings drawn from the statement lines Finance Of America Companies Inc. filed)
What to check next
What to check next on Finance Of America Companies Inc., and where in its filings. (2 questions for Finance Of America Companies Inc.)
In one paragraph
One paragraph on Finance Of America Companies Inc.'s returns, cash, balance sheet and price. (4 of sixteen figures read for Finance Of America Companies Inc.)

These are FOA’s filed figures. The research desk says what they mean, against peers and its own years, with what to check next.

Research FOAPart of Serious. New accounts start with 30 days of Professional, free, no card.

2 of 10

What changed

The newest filing, what it moved, and when the next one is due.

SEC filingCompany statement

The newest accounts on file are the FY2025 annual report: 10-K, filed Mar 13, 2026, accession 0001628280-26-017692.

3 of 10

Quality

The returns the business earns on its capital, and the margins behind them.

SEC filingComputed

Finance Of America Companies Inc: returns on capital and margins, each with its source
FigureValue, source and document
Return on invested capital, after tax
Why n/a

The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Return on equity14.0% ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Return on capital employed, pre-tax
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Return on assets0.1% ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Gross margin
Why n/a

Our archived statements for this filer carry no gross profit line, so there is nothing to compute a gross margin from and trace back to source. That may be because the filer presents no cost of revenue, or because we have not captured the concept. We do not guess which.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Operating margin
Why n/a

No operating income line is filed for this year.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Net margin9.1% ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
FOA 9.1%
LX 12.8%CPSS 4.5%YRD 0.9%ANTA 30.7%MFIN 13.7%
0.9%30.7%
Net margin: FOA against the 5 companies named under Valuation context, each as filed for its own latest year. Placement only: no average is drawn.

4 of 10

Financial strength

What it owes against what it owns, and whether it can meet what falls due.

SEC filingComputedCompany statement

Finance Of America Companies Inc: leverage, liquidity and distress, each with its source
FigureValue, source and document
Debt to equity
Why n/a

The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Current ratio
Why n/a

Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Quick ratio
Why n/a

Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Interest coverage
Why n/a

No operating income line is filed for this year.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Altman Z-score
Why n/m

Altman's Z-Score was estimated on manufacturers and explicitly excludes financial firms. A financial company scores in the distress zone by construction, so the number would be wrong rather than alarming. Not applicable to financials.

n/m ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Net debt
Why n/a

The FY2025 balance sheet carries no net debt we could read.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Total assets 30.73BTotal liabilities 30.34BShareholders' equity 323.9MOwnsOwes, and equity
Total assets Total liabilities Shareholders’ equity
The balance sheet, line by line

Financial health

What Finance Of America Companies Inc owned and owed at the end of fiscal 2025, from the balance sheet it filed (10-K, filed Mar 13, 2026, 0001628280-26-017692).

Finance Of America Companies Inc: balance sheet position
Total assets30.73B FiledFY2025 10-K, filed Mar 13, 2026
Total liabilities30.34B FiledFY2025 10-K, filed Mar 13, 2026
Shareholders' equity323.9M FiledFY2025 10-K, filed Mar 13, 2026
Cash89.5M FiledFY2025 10-K, filed Mar 13, 2026
Total debtn/a FiledFY2025 10-K, filed Mar 13, 2026
Net debtn/a
Current ration/a
Debt to equityn/a
  • Debt to equity: FY2025: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
  • Current ratio: FY2025: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
  • Interest cover: FY2025: No operating income line is filed for this year.

Read from the filed balance sheet for each year, with the income statement of the same year supplying operating profit where a ratio needs it. Nothing here is a view on whether this company is sound.

5 of 10

Valuation context

What the market charges for it, against its own record and companies like it.

Market dataSEC filingComputed

Finance Of America Companies Inc: what the market charges, each with its source
FigureValue, source and document
Price to earnings2.33x ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
P/E on trailing twelve months10.07x ComputedClose of Oct 15, 2026 · Trailing four quarters, each as known on the day; the quarterly filings are listed under Filings
Price to book0.31x ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Price to sales0.20x ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Enterprise value to EBIT
Why n/a

The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Enterprise value to EBITDA
Why n/a

The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Price to earnings over growth
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Diluted earnings per share3.74 USD FiledFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Graham number
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692

We publish no fair value or price target of our own. Value FOA on your own assumptions in the DCF workbench, starting from the filed figures.

Its own record, and companies like it

Valuation

What the market charges for Finance Of America Companies Inc today, and the multiples it has carried. No value of ours: the figures are the filings’ and the market’s.

Finance Of America Companies Inc: valuation
Share price10.99 USD
Market capitalisation101.3M USD
Enterprise value to EBITDAn/a
Graham numbern/a
Diluted earnings per share, FY20253.74 USD

Price to earnings on trailing twelve months, a different basis from the fiscal-year P/E above, since May 10, 2022: low 1.28x, median 4.88x, high 19.67x, latest 10.07x. 354 trading days with a meaningful ratio, 758 more on a loss and left out. Each close over the trailing twelve months of earnings as known that day: a quarter counts from the day it was filed.

Companies like Finance Of America Companies Inc

  1. LexinFintech Holdings Ltd. (LX)Market cap 115.1M USD
  2. Consumer Portfolio Services, Inc. (CPSS)Market cap 200.9M USD
  3. Yiren Digital Ltd. (YRD)Market cap 67.4M USD
  4. Antalpha Platform Holding Company (ANTA)Market cap 55.9M USD
  5. Medallion Financial Corp. (MFIN)Market cap 256.9M USD

Same industry (Financial - Credit Services) and size band (Micro, 50M to 300M), nearest in market value and net margin. Each of those counts equally, by how many of the companies considered sit between the two on it. Closest first: the order is likeness and nothing else.

6 of 10

Cash generation

Whether profit arrives as cash, and what is paid back to shareholders.

Computed

Finance Of America Companies Inc: cash generation and what is paid out, each with its source
FigureValue, source and document
Free cash flow yield
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Free cash flow
Why n/a

The FY2025 filing carries no free cash flow we could read.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Free cash flow margin
Why n/a

No free cash flow, and no operating cash flow and capital expenditure pair, is filed for this year.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Dividend yield
Why n/a

The dividends on file cannot be split between common and preferred holders, so the common dividend cannot be stated.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Payout ratio
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
FY2017 Free cash flow: 248.9M USDFY2017 Net income: 52.7M USDFY2019 Free cash flow: 96.8M USDFY2019 Net income: 54.4M USDFY2020 Free cash flow: -695.1M USDFY2020 Net income: 518.4M USDFY2022 Free cash flow: 1.40B USDFY2022 Net income: -190.7M USDFY2023 Net income: -80.1M USDFY2024 Net income: 15.5M USDFY2025 Net income: 45.2M USD
Free cash flow Net incomeProfit that arrives as cash stands level with net income; a gap year after year is worth reading about.

7 of 10

Filings

Every figure, the year it is for and the document it was read from.

SEC filingMarket data

The filed figures

Computed from the accounts this company filed with the SEC and, in a ratio with a price in it, the last close, dated on this page. Every filed figure below carries the fiscal year and the filing date its accounts were read from, and every blank carries the reason it is blank. Nothing here is a view on this company.

Finance Of America Companies Inc.: the eight ratios, with the fiscal year and filing date behind each.
FigureValueYearAs of
2.33xFY2025Oct 15, 2026
0.31xFY2025Oct 15, 2026
n/aFY2025Oct 15, 2026
n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
n/aFY2025Oct 15, 2026
n/a The filed cash flow statement reports neither free cash flow nor the operating cash flow and capital spending it is built from.
n/aFY2025Mar 13, 2026
n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
n/aFY2025Oct 15, 2026
n/a The dividends on file cannot be split between common and preferred holders, so the common dividend cannot be stated.
n/aFY2025Mar 13, 2026
n/a The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
n/aFY2025Mar 13, 2026
n/a Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
0.20xFY2025Oct 15, 2026
n/aFY2025Oct 15, 2026
n/a This figure compares a year against the one before it, and we hold one filed year for this company.
n/mFY2025Oct 15, 2026
n/m Not meaningful for this company, such as a P/E on negative earnings or a bank's EV/EBIT.
-2.17FY2025Mar 13, 2026
4/9FY2025Mar 13, 2026

The figures are computed from the accounts for fiscal 2025, the newest full year on file. 6 filed fiscal years on record, FY2019 to FY2025, from SEC EDGAR. Prices as of Oct 15, 2026. Ratios recomputed Oct 15, 2026. Two facts, because a recompute is not a fresh quote.

The year and the filing date name the statement each figure’s accounts are read from, and they stand even where the figure itself could not be computed: the line beneath a blank says what that statement did not carry. A figure’s name opens its formula and the filings behind it; a statement that names no SEC filing has no filing date, and reads n/a.

Ten years of filed figures, year by year

Ten years of filed figures

7 fiscal years, FY2017 to FY2025. 6 read from the annual reports Finance Of America Companies Inc filed with the SEC, each naming its filing; the rest from statements that name none, which are market data. Amounts in USD, as reported.

Finance Of America Companies Inc: revenue, earnings, free cash flow and returns, by fiscal year, with the filing each year was read from
YearRevenueOperating incomeNet incomeEPS, dilutedFree cash flowOperating marginReturn on equityFiling
FY2025497.4M170.7M45.2M3.74n/an/a14.0%10-K, Mar 13, 20260001628280-26-017692
FY2024394.4M59.5M15.5M1.18n/an/a6.1%10-K, Mar 14, 20250001828937-25-000009
FY2023234.3M-48.1M-80.1M-9.77n/an/a-34.5%10-K, Mar 15, 20240001828937-24-000024
FY202252.8M-224.4M-190.7M-31.201.40Bn/a-75.1%10-K, Mar 16, 20230001828937-23-000021
FY20201.80B-2.4M518.4Mn/a-695.1M-0.1%n/m10-K/A, May 17, 20210001193125-21-163922
FY2019891.5M-327.4K54.4Mn/a96.8M-0.0%n/m10-K/A, May 17, 20210001193125-21-163922
FY2017778.5M63.1M52.7Mn/a248.9M8.1%n/aMarket data, supplied Oct 15, 2026accession n/a
  • Revenue, compound annual growth FY2017 to FY2025: -5.4%
  • Earnings, compound annual growth FY2017 to FY2025: -1.9%
  • Earnings per share: Earnings per share was not positive in both 2022 and 2025, so a compound rate across the window is not defined. Both figures are in the table.
  • Free cash flow, compound annual growth FY2017 to FY2022: 41.2%

Every figure in this section is a line of a filed annual statement or a ratio of two of them. Nothing here is estimated or smoothed. Earnings per share filed before a share split are put on today's share count, and say so. Nothing here is a verdict on the company.

8 of 10

Risks and guardrails

The accounting screens, the published tests, and the lines you can set to be told.

ComputedCompany statement

Finance Of America Companies Inc: accounting screens and published tests, each with its source
FigureValue, source and document
Beneish M-score-2.17 ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Piotroski F-score4/9 ComputedFY2025 10-K, filed Mar 13, 2026, 0001628280-26-017692
Named tests met2 of 30 Computed
Beta1.13 ComputedClose of Oct 15, 2026

The named tests

Of 30 tests value investors published: 2 met, 16 not met, 12 we could not complete. Counts, never a score: a single figure would have to decide that meeting one investor’s criteria and meeting another’s are worth the same.

Which tests, by name(all 30)
Meets
Cheapest quarter on P/E (David Dreman); Cheapest quarter on P/B (David Dreman)
Does not
Defensive investor (Benjamin Graham); Deep value; Large cap, low P/E; High F-score, low P/B (Joseph Piotroski); Three forensic scores; High returns and growth; Gross margin, turnover (Robert Novy-Marx); Dividends and buybacks; Low beta, profitable; Near the 52-week low; High returns, low debt; Owner earnings yield; High return on tangibles; Low P/S, rising earnings (James O'Shaughnessy); Tangible book or below; Clean books, high ROIC
Not measured
Earnings yield and ROIC (Joel Greenblatt); Low PEG, low debt (Peter Lynch); EV/EBITDA and coverage; High yield, low payout; ROIC at or above WACC; Z-score and coverage (Edward Altman); Two thirds of NCAV (Benjamin Graham); P/E times P/B (Benjamin Graham); Book or below, low debt (Walter Schloss); Cash-covered dividend; Cash-flow yield and ROIC; Low P/E, growth, yield (John Neff). A test with a figure we could not read is incomplete, never met and never failed.
Figures we could not read(19)
  • Current Ratio: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
  • Debt to Equity: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
  • EV/EBIT: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
  • Return on Invested Capital: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
  • Altman Z-Score: Altman's Z-Score was estimated on manufacturers and explicitly excludes financial firms. A financial company scores in the distress zone by construction, so the number would be wrong rather than alarming. Not applicable to financials.
  • PEG Ratio: We do not hold this figure for this company, so there is nothing to show.
  • Eps Growth 5Y: We do not hold this figure for this company, so there is nothing to show.
  • Gross Margin: Our archived statements for this filer carry no gross profit line, so there is nothing to compute a gross margin from and trace back to source. That may be because the filer presents no cost of revenue, or because we have not captured the concept. We do not guess which.
  • EV/EBITDA: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
  • Interest Coverage: No operating income line is filed for this year.
  • Dividend Yield: The dividends on file cannot be split between common and preferred holders, so the common dividend cannot be stated.
  • Payout Ratio: We do not hold this figure for this company, so there is nothing to show.
  • Free Cash Flow Yield: We do not hold this figure for this company, so there is nothing to show.
  • ROIC-WACC Spread: The debt total on file was summed from short-term debt, long-term debt and lease obligations, and at least one of those was never captured. An absent term is spent as a zero inside that sum, and this balance sheet does not show the term is empty, so we will not build a leverage ratio, an enterprise value or a return on capital on it, or rank the company on one.
  • Price To Ncav: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
  • Price To Graham: We do not hold this figure for this company, so there is nothing to show.
  • Capex To Ocf: We do not hold this figure for this company, so there is nothing to show.
  • Dividend Coverage Ratio: We do not hold this figure for this company, so there is nothing to show.
  • Dividend Streak: The dividends on file cannot be split between common and preferred holders, so the common dividend cannot be stated.

9 of 10

Declared positions

Whether anybody here owns this company.

Positions declared by Javier Sanz Alvarez: no holding in any company shown here, as of October 3, 2026.

10 of 10

Next step

What to do with what you have read.

A thesis is your reason for owning it, in your words, with the figures that must stay true. Checking those figures every night against the newest filed accounts, and telling you once when one breaks, is what the subscription adds.

More on this company

What this cannot tell you

  • 19 figures could not be read on this company, among them Current Ratio, Debt to Equity, EV/EBIT. Each blank in the table above names the rest, with its reason. 12 named tests come back incomplete because of them, which is neither met nor missed.
  • We hold 6 filed fiscal years rather than 10, so the run above is shorter than a full decade and is counted as what it is.

And the one that is true of all of it: This is what the numbers say today. It cannot tell you the day one of them stops being true. Nothing here can, because the reasons are not written down.

Running this once is arithmetic on public documents and you are welcome to it. Writing down why you own each company, in your own words and with the numbers that have to stay true for it to hold, and then having those numbers re-checked every night against the newest filed accounts, and against the latest close where a rule watches a price, is Professional, the plan a new account starts on for 30 days, one trial per person. It writes to you the day one breaks, and stays quiet when nothing does. The check runs every night at 23:30 UTC. A filing is picked up the night after it is published.

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ValueScreener · valuescreener.ai · Computed from accounts filed with the SEC by this company, read from EDGAR, and from dated closing prices. On this page a filed figure opens into its formula, its inputs and the statement, fiscal year and filing date it was read from, and a price into the day of its close. A figure that cannot show that trail says so.

A computation on accounts filed with the SEC, not a recommendation and not advice. Past filings do not indicate future results. Risk disclaimer.

Margin Notes

Once a week, what changed in the filings of US-listed companies, why it can matter to a thesis, and what deserves a closer review. Grounded in filings, not market noise.

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ValueScreener

Discover companies, research each one to its filings, track what matters, and take your work into your own spreadsheet.

ValueScreener is a trading name of Oliva Real Estate Technologies LLC, a Delaware limited liability company. Legal notices: legal@valuescreener.ai. © 2026 Oliva Real Estate Technologies LLC. All rights reserved.

Risk disclaimer. This service is provided for research and education only. Nothing on it is investment advice, a recommendation, or an offer to buy or sell any security. Capital is at risk, and past performance does not indicate future results. Figures come from filed accounts and may be incomplete, delayed or later restated, so verify a number against the filing before you act on it.

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