Symbols

FOA

Finance Of America·NYSE

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FOA fundamentals

FOA Q4 2025 Earnings

Finance Of America (FOA) released its earnings on Mar 10, 2026: revenue was 73.51M (YoY +169.60%), missed estimates; EPS was 0.69 (YoY +228.57%), beat estimates.

Revenue / YoY

73.51M

+169.60%

EPS / YoY

0.69

+228.57%

Report date

Mar 10, 2026

FOA Earnings Call Summary for Q4,2025

Record Financial Performance: 2025 GAAP net income up 175% to $110 million; adjusted EPS of $3.04 (429% YoY growth).
Sustained Growth Momentum: 2025 originations of $2.4 billion (24% YoY), with Q4 volume of $619 million.
Strategic Expansion: $50M equity raise and PHH Mortgage acquisition to expand reverse mortgage servicing platform.
Debt Reduction Focus: Target to eliminate $150M senior secured debt by Q4 2026, enabling future share buybacks.
AI-Driven Efficiency: Joy AI reduces customer acquisition costs by 12%, with digital application submission rate up 77%.

Earnings

EPS

Revenue

Revenue & Expenses

FOA has released its 2025 Q4 earnings report, with revenue of 73.51M, reflecting a YoY change of 248.72%, and net profit of -21.93M, showing a YoY change of 84.63%. The Sankey diagram below clearly presents FOA's revenue sources and cost distribution.

Key Indicators

Finance Of America (FOA) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Finance Of America (FOA)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Finance Of America (FOA)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Finance Of America (FOA)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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