Finance Of America Companies Inc Financials
This page shows Finance Of America Companies Inc (FOA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Finance Of America Companies Inc passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Finance Of America Companies Inc generates $-27.36 in operating cash flow (-$423.8M OCF vs $15.5M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Finance Of America Companies Inc generated $338.2M in revenue in fiscal year 2024. This represents an increase of 44.4% from the prior year.
Finance Of America Companies Inc reported $15.5M in net income in fiscal year 2024. This represents an increase of 119.3% from the prior year.
Finance Of America Companies Inc earned $1.18 per diluted share (EPS) in fiscal year 2024. This represents an increase of 112.1% from the prior year.
Finance Of America Companies Inc held $47.4M in cash against $374.5M in long-term debt as of fiscal year 2024.
Finance Of America Companies Inc's net profit margin was 4.6% in fiscal year 2024, showing the share of revenue converted to profit. This is up 38.8 percentage points from the prior year.
Finance Of America Companies Inc's ROE was 4.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.
FOA Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q3'23 | Q2'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $80.8M-54.4% | $177.4M+7.0% | $165.7M-42.9% | $290.1M+267.0% | $79.0M+5.8% | $74.7M-72.9% | $275.7M+346.4% | -$111.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $12.8M-3.0% | $13.2M+1.5% | $13.0M-9.9% | $14.4M-11.3% | $16.2M-6.0% | $17.3M-23.7% | $22.6M+1.7% | $22.2M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $14.5M-4.8% | $15.2M+2.1% | $14.9M+61.8% | $9.2M-0.5% | $9.3M-67.5% | $28.5M+3.9% | $27.5M-13.4% | $31.7M |
| Income Tax | $130K-93.9% | $2.1M+9.7% | $1.9M-56.1% | $4.4M+283.8% | $1.2M | $0-100.0% | $193K+106.0% | -$3.2M |
| Net Income | -$9.5M-127.2% | $34.9M+15.6% | $30.2M-64.1% | $84.2M+4130.8% | -$2.1M+72.3% | -$7.5M-112.3% | $61.4M+177.5% | -$79.1M |
| EPS (Diluted) | $-1.27-159.6% | $2.13-12.3% | $2.43-67.6% | $7.50+2600.0% | $-0.30+61.5% | $-0.78-111.7% | $6.66+173.6% | $-9.05 |
FOA Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q3'23 | Q2'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $30.7B+1.7% | $30.1B+1.5% | $29.7B+1.8% | $29.2B+4.2% | $28.0B+1.1% | $27.7B+2.1% | $27.1B+2.1% | $26.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $109.8M+136.2% | $46.5M-10.7% | $52.0M+9.8% | $47.4M+1.9% | $46.5M-3.6% | $48.2M+3.8% | $46.5M-43.4% | $82.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $15.8M+19.8% | $13.2M | N/A | $20.9M | N/A | N/A | $27.5M | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $30.3B+2.1% | $29.7B+1.3% | $29.3B+1.6% | $28.8B+4.0% | $27.7B+1.1% | $27.4B+2.2% | $26.8B+2.1% | $26.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $390.0M | N/A | N/A | $374.5M | N/A | N/A | $410.9M | N/A |
| Total Equity | $365.8M-22.7% | $473.4M+19.9% | $394.9M+25.1% | $315.7M+25.6% | $251.3M-1.7% | $255.7M-6.1% | $272.4M-0.5% | $273.7M |
| Retained Earnings | -$643.3M-1.5% | -$633.8M+5.2% | -$668.7M+4.3% | -$698.9M+3.5% | -$724.0M-0.3% | -$721.9M-1.1% | -$714.4M-0.6% | -$710.4M |
FOA Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q3'23 | Q2'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$149.7M-55.2% | -$96.5M-4.8% | -$92.1M+13.3% | -$106.2M-2.1% | -$104.0M+21.4% | -$132.2M-115.6% | -$61.3M+42.2% | -$106.1M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | $461K | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | -$132.7M | N/A | N/A |
| Investing Cash Flow | $263.6M+91.0% | $138.0M+203.5% | $45.5M-30.4% | $65.3M-60.8% | $166.6M+95.7% | $85.2M+352.8% | $18.8M-89.6% | $180.4M |
| Financing Cash Flow | $51.9M+191.4% | -$56.7M-1520.7% | -$3.5M-102.9% | $122.5M+305.7% | -$59.6M-190.4% | $65.9M+531.9% | -$15.3M+73.7% | -$58.1M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
FOA Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q3'23 | Q2'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -11.8%-31.5pp | 19.7%+1.5pp | 18.2%-10.8pp | 29.0%+31.7pp | -2.6%+7.5pp | -10.1%-32.3pp | 22.3% | N/A |
| Return on Equity | N/A | 7.4%-0.3pp | 7.6%-10.8pp | 18.4% | N/A | N/A | 22.5% | N/A |
| Return on Assets | -0.0%-0.1pp | 0.1%+0.0pp | 0.1%-0.2pp | 0.3%+0.3pp | -0.0%+0.0pp | -0.0%-0.3pp | 0.2%+0.5pp | -0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 1.07-61.6 | 62.68-11.5 | 74.18+73.0 | 1.19-109.1 | 110.32+3.1 | 107.26+105.7 | 1.51-94.5 | 95.99 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | -177.7% | N/A | N/A |
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Frequently Asked Questions
What is Finance Of America Companies Inc's annual revenue?
Finance Of America Companies Inc (FOA) reported $338.2M in total revenue for fiscal year 2024. This represents a 44.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Finance Of America Companies Inc's revenue growing?
Finance Of America Companies Inc (FOA) revenue grew by 44.4% year-over-year, from $234.3M to $338.2M in fiscal year 2024.
Is Finance Of America Companies Inc profitable?
Yes, Finance Of America Companies Inc (FOA) reported a net income of $15.5M in fiscal year 2024, with a net profit margin of 4.6%.
What is Finance Of America Companies Inc's earnings per share (EPS)?
Finance Of America Companies Inc (FOA) reported diluted earnings per share of $1.18 for fiscal year 2024. This represents a 112.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Finance Of America Companies Inc have?
As of fiscal year 2024, Finance Of America Companies Inc (FOA) had $47.4M in cash and equivalents against $374.5M in long-term debt.
What is Finance Of America Companies Inc's net profit margin?
Finance Of America Companies Inc (FOA) had a net profit margin of 4.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Finance Of America Companies Inc's return on equity (ROE)?
Finance Of America Companies Inc (FOA) has a return on equity of 4.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Finance Of America Companies Inc's operating cash flow?
Finance Of America Companies Inc (FOA) generated -$423.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Finance Of America Companies Inc's total assets?
Finance Of America Companies Inc (FOA) had $29.2B in total assets as of fiscal year 2024, including both current and long-term assets.
What is Finance Of America Companies Inc's debt-to-equity ratio?
Finance Of America Companies Inc (FOA) had a debt-to-equity ratio of 1.19 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Finance Of America Companies Inc's return on assets (ROA)?
Finance Of America Companies Inc (FOA) had a return on assets of 0.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Finance Of America Companies Inc's cash runway?
Based on fiscal year 2024 data, Finance Of America Companies Inc (FOA) had $47.4M in cash against an annual operating cash burn of $423.8M. This gives an estimated cash runway of approximately 1 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Finance Of America Companies Inc's Piotroski F-Score?
Finance Of America Companies Inc (FOA) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Finance Of America Companies Inc's earnings high quality?
Finance Of America Companies Inc (FOA) has an earnings quality ratio of -27.36x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.