FOA vs. RAIL
FOA (Finance Of America Companies Inc.) and RAIL (FreightCar America, Inc.) are both stocks. FOA operates in Credit Services (Financial Services), while RAIL operates in Railroads (Industrials). Over the past 5 years, FOA returned -28.59%/yr vs 3.03%/yr for RAIL. At a 0.17 correlation, their price movements are largely independent.
Performance
FOA vs. RAIL - Performance Comparison
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Returns By Period
In the year-to-date period, FOA achieves a -21.15% return, which is significantly higher than RAIL's -33.60% return.
FOA
- 1D
- -1.19%
- 1M
- -5.50%
- YTD
- -21.15%
- 6M
- -18.56%
- 1Y
- -9.78%
- 3Y*
- 8.13%
- 5Y*
- -28.59%
- 10Y*
- —
RAIL
- 1D
- -2.91%
- 1M
- -8.81%
- YTD
- -33.60%
- 6M
- -12.50%
- 1Y
- -11.87%
- 3Y*
- 36.66%
- 5Y*
- 3.03%
- 10Y*
- -6.24%
FOA vs. RAIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
FOA Finance Of America Companies Inc. | -21.15% | -13.90% | 155.64% | -13.39% | -68.01% | -61.83% | 3.69% | 3.56% |
RAIL FreightCar America, Inc. | -33.60% | 23.55% | 231.85% | -15.63% | -13.28% | 53.11% | 16.43% | -72.03% |
Correlation
The correlation between FOA and RAIL is 0.40, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.40 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.17 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.21 |
Correlation (All Time) Calculated using the full available price history since Apr 22, 2019 | 0.17 |
Over the past year, FOA and RAIL have become more correlated (0.40) than their long-term average of 0.17, meaning their price movements have been converging.
Fundamentals
FOA:
$4.39
RAIL:
$0.88
FOA:
4.35
RAIL:
8.32
FOA:
0.03
RAIL:
0.11
FOA:
0.11
RAIL:
0.52
FOA:
$1.15B
RAIL:
$469.01M
FOA:
$623.72M
RAIL:
$69.61M
FOA:
$1.78B
RAIL:
-$1.50M
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Return for Risk
FOA vs. RAIL — Risk / Return Rank
FOA
RAIL
FOA vs. RAIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Finance Of America Companies Inc. (FOA) and FreightCar America, Inc. (RAIL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| FOA | RAIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.02 | ||
| Sortino ratioReturn per unit of downside risk | -0.14 | ||
| Omega ratioGain probability vs. loss probability | 1.00 | 1.02 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | -0.22 | -0.24 | +0.02 |
| Martin ratioReturn relative to average drawdown | -0.42 | -0.43 | +0.02 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| FOA | RAIL | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.21 | -0.19 | -0.02 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.37 | 0.04 | -0.41 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | -0.09 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.31 | -0.07 | -0.24 |
Drawdowns
FOA vs. RAIL - Drawdown Comparison
The maximum FOA drawdown since its inception was -96.13%, roughly equal to the maximum RAIL drawdown of -98.88%. Use the drawdown chart below to compare losses from any high point for FOA and RAIL.
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Drawdown Indicators
| FOA | RAIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.13% | -98.88% | +2.75% |
Max Drawdown (1Y)Largest decline over 1 year | -45.07% | -50.34% | +5.27% |
Max Drawdown (3Y)Largest decline over 3 years | -77.83% | -71.67% | -6.16% |
Max Drawdown (5Y)Largest decline over 5 years | -95.62% | -71.67% | -23.95% |
Max Drawdown (10Y)Largest decline over 10 years | — | -96.23% | — |
Current DrawdownCurrent decline from peak | -83.57% | -89.20% | +5.63% |
Average DrawdownAverage peak-to-trough decline | -57.40% | -71.85% | +14.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 23.56% | 27.38% | -3.82% |
Volatility
FOA vs. RAIL - Volatility Comparison
Finance Of America Companies Inc. (FOA) and FreightCar America, Inc. (RAIL) have volatilities of 13.40% and 12.90%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FOA | RAIL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 13.40% | 12.90% | +0.50% |
Volatility (6M)Calculated over the trailing 6-month period | 32.60% | 45.80% | -13.20% |
Volatility (1Y)Calculated over the trailing 1-year period | 47.37% | 62.94% | -15.57% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 77.46% | 69.26% | +8.20% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 65.49% | 73.68% | -8.19% |
Dividends
FOA vs. RAIL - Dividend Comparison
Neither FOA nor RAIL has paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FOA Finance Of America Companies Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
RAIL FreightCar America, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.58% | 2.41% | 1.85% |
Financials
FOA vs. RAIL - Financials Comparison
This section allows you to compare key financial metrics between Finance Of America Companies Inc. and FreightCar America, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
Frequently Asked Questions
FOA and RAIL have a correlation of 0.40, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FOA has higher volatility (13.40%) compared to RAIL (12.90%). In terms of maximum drawdown, FOA dropped -96.13% vs RAIL's -98.88%.
RAIL currently has the higher Sharpe Ratio (-0.19 vs -0.21), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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