What is Finance of America Companies Inc.'s earnings per share (EPS)?

Finance of America Companies Inc. (FOA) reported diluted earnings per share of $3.74 for fiscal year 2025. This represents a 216.9% 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.

Finance of America Companies Inc. (FOA) Financials

FOA

Trailing 12 months to June 30, 2026

Revenue $337.0M YoY not available

Net Income -$338K YoY not available

EPS (Diluted) -$2.01 -129.7% YoY

Operating Cash Flow -$555.3M -47.6% YoY

Market Cap $101.6M as of Oct 17, 2026

Price / Sales 0.3x on $337.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 0.2x on $406.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FOA SEC filings page.

Finance of America Companies Inc. (FOA) reported $337.0M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 7 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).

Rhea AI FOA FY2025 2026-10-03

Profit has returned, but negative operating cash flow and a liability-heavy balance sheet still define how Finance of America operates.

In FY2025, net income reached $45.2M while operating cash flow was -$429.7M, so reported profitability did not translate into cash from operations. The $854.9M investing inflow and $402.5M financing outflow show that cash movement was driven heavily by balance-sheet or investment activity rather than earnings alone.

Net income changed from a loss of $80.1M in FY2023 to profit of $45.2M in FY2025, indicating a two-year earnings recovery rather than a single-period fluctuation. FY2025 revenue reached $497.4M while SG&A was $51.1M, so the improved result reflects both expanded activity and a lower reported overhead burden.

Liabilities reached $30.3B against only $395.6M of equity, making the business highly dependent on a large balance sheet relative to its equity cushion. Debt-to-equity improved over the period, but FY2025 ROA of 0.2% shows how modest earnings remain relative to the asset base.

Financial Health Signals

Financial health score not available

Finance of America Companies Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

Finance of America Companies Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality No Cash Backing

$9.50used

For every $1 of reported earnings, Finance of America Companies Inc. used $9.50 of operating cash (-$429.7M OCF vs $45.2M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.

Key Financial Metrics

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Earnings & Revenue

Revenue

$62.5M

YoY-64.8%

QoQ-48.0%

Finance of America Companies Inc. generated $62.5M in revenue in Q2 2026. This represents a decrease of 64.8% from the same quarter a year earlier. Against the prior quarter it is down 48.0%.

Net Income

$2.1M

YoY-94.1%

QoQ-88.3%

Finance of America Companies Inc. reported $2.1M in net income in Q2 2026. This represents a decrease of 94.1% from the same quarter a year earlier. Against the prior quarter it is down 88.3%.

EPS (Diluted)

-$1.28

YoY-160.1%

QoQ-245.5%

Finance of America Companies Inc. earned -$1.28 per diluted share (EPS) in Q2 2026. This represents a decrease of 160.1% from the same quarter a year earlier. Against the prior quarter it is down 245.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$85.3M

YoY+83.5%

QoQ-20.8%

5Y CAGR-11.5%

Finance of America Companies Inc. held $85.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

Diluted avg 17M

Finance of America Companies Inc. had a weighted average of 17M diluted shares in Q2 2026; the shares outstanding count is not reported for that period.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

3.3%

YoY-16.4pp

QoQ-11.3pp

Finance of America Companies Inc.'s net profit margin was 3.3% in Q2 2026, showing the share of revenue converted to profit. This is down 16.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 11.3 percentage points.

Return on Equity

0.5%

YoY-6.9pp

QoQ-3.5pp

Finance of America Companies Inc.'s ROE was 0.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 6.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

QoQ-100.0%

Finance of America Companies Inc. repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

FOA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FOA quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Revenue	$337.0M	$497.4M+26.1%	$394.4M+68.4%	$234.3M+344.0%	$52.8M	N/A	$256.6M-71.2%	$891.5M
SG&A Expenses	$53.3M	$51.1M-14.1%	$59.5M-27.7%	$82.2M+15.6%	$71.1M	N/A	$116.1M-54.7%	$256.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	-$2.4M-630.8%	-$327K
EBITDA	N/A	N/A	N/A	N/A	N/A	N/A	$16.9M-10.9%	$19.0M
Interest Expense	$863.9M	$57.6M+39.0%	$41.4M-65.1%	$118.7M+0.1%	$118.6M	N/A	$83.0M-40.2%	$138.7M
Income Tax	-$41.7M	$3.5M+46.7%	$2.4M+504.4%	-$593K+96.5%	-$17.1M	N/A	$150K-84.2%	$949K
Net Income	-$338K	$45.2M+192.1%	$15.5M+119.3%	-$80.1M+58.0%	-$190.7M	N/A	$518.4M+852.7%	$54.4M
EPS (Basic)	N/A	$4.72+200.6%	$1.57+116.1%	-$9.77-219.3%	-$3.06	N/A	N/A	N/A
EPS (Diluted)	-$2.01	$3.74+216.9%	$1.18	-$9.77	-$3.12	N/A	N/A	N/A
Diluted Shares (Avg)	N/A	27M+15.1%	23M	8M	188M	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$62.5M-64.8%	$120.1M-27.5%	$73.5M	$80.8M-72.1%	$177.4M+124.4%	$165.7M+121.9%	N/A	$290.1M
SG&A Expenses	$13.9M+5.5%	$14.5M+11.4%	$12.2M	$12.8M-11.3%	$13.2M-18.8%	$13.0M-24.9%	N/A	$14.4M-31.6%
Interest Expense	$435.2M+2758.6%	$401.3M+2591.3%	$12.9M	$14.5M+57.2%	$15.2M+64.3%	$14.9M-47.8%	N/A	$9.2M-67.0%
Income Tax	-$42.2M-2079.5%	$1.1M-43.7%	-$686K	$130K-97.1%	$2.1M+84.9%	$1.9M	N/A	$4.4M+4396.1%
Net Income	$2.1M-94.1%	$17.5M-42.0%	-$10.4M	-$9.5M-111.3%	$34.9M+1771.8%	$30.2M+500.8%	N/A	$84.2M+228.8%
EPS (Basic)	$0.10-96.8%	$1.93-35.0%	-$0.79+86.9%	-$1.05-112.4%	$3.16+1604.8%	$2.97+480.8%	-$6.02-175.7%	$8.48+213.8%
EPS (Diluted)	-$1.28-160.1%	$0.88	-$0.34+93.6%	-$1.27-116.9%	$2.13	$2.43+411.5%	-$5.29-166.5%	$7.50+200.7%
Diluted Shares (Avg)	17M-43.6%	19M	N/A	19M-16.9%	30M	30M+212.7%	N/A	23M+164.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

FOA Balance Sheet

FOA quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Total Assets	$30.7B+5.4%	$29.2B+7.6%	$27.1B+29.9%	$20.9B-4.2%	$21.8B+28.1%	$17.0B+2.6%	$16.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	$861K-47.9%	$1.7M
Cash & Equivalents	$89.5M+88.9%	$47.4M+1.9%	$46.5M-24.0%	$61.1M-41.1%	$103.8M-55.5%	$233.1M-39.1%	$382.7M
Short-Term Investments	$0	$0	$0	$0-100.0%	$10.6M+82.1%	$5.8M	$0
Accounts Receivable	$26.4M+26.2%	$20.9M-23.9%	$27.5M-48.4%	$53.3M+91.4%	$27.8M	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	N/A	$0	$0-100.0%	$8.4M-93.0%	$121.1M
Total Liabilities	$30.3B+5.2%	$28.8B+7.5%	$26.8B+31.1%	$20.5B-1.2%	$20.7B+10.3%	$18.8B+13.0%	$16.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	$1.7M+1677.1%	$95K
Non-Current Liabilities	N/A	N/A	N/A	N/A	N/A	$18.8B+13.0%	$16.6B
Long-Term Debt	$357.5M-4.5%	$374.5M-8.9%	$410.9M+2.9%	$399.4M+13.0%	$353.4M	N/A	N/A
Total Equity	$395.6M+25.3%	$315.7M+15.9%	$272.4M-32.7%	$404.8M-62.6%	$1.1B+2837.7%	-$39.6M-80.7%	-$21.9M
Retained Earnings	-$653.7M+6.5%	-$698.9M+2.2%	-$714.4M-12.6%	-$634.3M-43.0%	-$443.6M	$0+100.0%	-$21.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$37.3B+23.8%	$31.3B+5.5%	$30.7B+5.4%	$30.7B+5.9%	$30.1B+7.8%	$29.7B+7.2%	$29.2B+7.6%	$29.0B+9.7%
Cash & Equivalents	$85.3M+83.5%	$107.7M+107.0%	$89.5M+88.9%	$109.8M+148.1%	$46.5M-0.1%	$52.0M+7.9%	$47.4M+1.9%	$44.3M-33.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$15.3M+16.1%	N/A	$26.4M+26.2%	$15.8M	$13.2M	N/A	$20.9M-23.9%	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$36.9B+24.4%	$30.9B+5.4%	$30.3B+5.2%	$30.3B+6.3%	$29.7B+7.0%	$29.3B+6.8%	$28.8B+7.5%	$28.5B+8.4%
Long-Term Debt	N/A	N/A	$357.5M-4.5%	$390.0M	N/A	N/A	$374.5M-8.9%	N/A
Total Equity	$406.7M-14.1%	$438.1M+10.9%	$395.6M+25.3%	$365.8M-19.9%	$473.4M+88.4%	$394.9M+54.4%	$315.7M+15.9%	$456.5M+340.6%
Retained Earnings	-$634.1M-0.1%	-$636.2M+4.9%	-$653.7M+6.5%	-$643.3M-0.5%	-$633.8M+12.5%	-$668.7M+7.4%	-$698.9M+2.2%	-$639.8M+17.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Goodwill, Current Liabilities, Non-Current Liabilities.

FOA Cash Flow Statement

FOA quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Operating Cash Flow	-$555.3M	-$429.7M-1.4%	-$423.8M-492.2%	-$71.6M-105.1%	$1.4B	N/A	-$686.1M-778.5%	$101.1M
Depreciation & Amortization	N/A	$38.6M-0.9%	$38.9M-18.1%	$47.5M-26.8%	$65.0M	N/A	$19.3M-0.1%	$19.3M
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$2.9M
Capital Expenditures	N/A	N/A	N/A	N/A	$11.2M	N/A	$9.0M+110.5%	$4.3M
Free Cash Flow	N/A	N/A	N/A	N/A	$1.4B	N/A	-$695.1M-817.8%	$96.8M
Investing Cash Flow	$721.7M	$854.9M+150.8%	$340.9M+115.6%	$158.1M+108.7%	-$1.8B	N/A	-$875.1M+56.8%	-$2.0B
Financing Cash Flow	-$62.6M	-$402.5M-351.4%	$160.1M+215.0%	-$139.2M-161.8%	$225.2M	N/A	$1.7B-16.9%	$2.1B
Share Buybacks	N/A	$40.1M	$0	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$183.3M-90.0%	-$130.9M-42.1%	-$91.4M+13.9%	-$149.7M-84.0%	-$96.5M+7.2%	-$92.1M+30.4%	-$106.2M-73.2%	-$81.4M+35.4%
Depreciation & Amortization	$9.9M+2.8%	$9.9M+2.0%	$9.6M	$9.6M-1.4%	$9.7M-1.0%	$9.7M-0.2%	N/A	$9.8M-1.8%
Investing Cash Flow	-$44.8M-132.5%	$95.1M+109.1%	$407.8M+524.4%	$263.6M+1007.6%	$138.0M-17.2%	$45.5M-46.6%	$65.3M+247.3%	$23.8M-87.2%
Financing Cash Flow	$191.9M+438.3%	$87.7M+2606.5%	-$394.1M-421.6%	$51.9M+65.9%	-$56.7M+4.8%	-$3.5M-105.3%	$122.5M+903.3%	$31.2M+125.0%
Share Buybacks	$0	$41.6M	N/A	N/A	$0	$0	N/A	N/A

Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Dividends Paid.

FOA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

FOA quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K
Operating Margin	N/A	N/A	N/A	N/A	N/A	-0.9%-0.9pp	0.0%
Net Margin	9.1%+5.2pp	3.9%+38.1pp	-34.2%	-361.4%	N/A	202.0%	6.1%
Return on Equity	11.4%+6.5pp	4.9%+34.3pp	-29.4%+17.7pp	-47.1%	N/A	N/A	N/A
Return on Assets	0.1%+0.1pp	0.1%+0.4pp	-0.3%+0.6pp	-0.9%	N/A	3.0%+2.7pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	0.51-16.8x	17.31
Debt-to-Equity	0.90-0.3x	1.19-0.3x	1.51+0.5x	0.99+0.7x	0.33	N/A	N/A
Asset Turnover	0.020.0x	0.010.0x	0.010.0x	0.00	N/A	0.020.0x	0.05
FCF Margin	N/A	N/A	N/A	2646.9%	N/A	-270.9%	10.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	3.3%-16.4pp	14.6%-3.7pp	-14.1%	-11.8%-40.8pp	19.7%+22.3pp	18.2%+28.3pp	N/A	29.0%
Return on Equity	0.5%-6.9pp	4.0%-3.6pp	-2.6%	-2.6%-21.1pp	7.4%+8.2pp	7.6%+10.6pp	N/A	18.4%+81.5pp
Return on Assets	0.0%-0.1pp	0.1%0.0pp	0.0%	0.0%-0.3pp	0.1%+0.1pp	0.1%+0.1pp	N/A	0.3%+0.5pp
Debt-to-Equity	90.75+28.1x	70.51-3.7x	0.90-0.3x	1.07-61.4x	62.68-47.6x	74.18-33.1x	1.19-0.3x	62.42-191.4x
Asset Turnover	0.000.0x	0.000.0x	0.00	0.000.0x	0.010.0x	0.010.0x	N/A	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Finance of America Companies Inc. FOA	FY2025	$497.4M	$45.2M	9.1%	$101.6M	—
Oportun Financial Corporation OPRT	FY2025	$405.8M	$25.2M	6.2%	$417.6M	15/100
Open Lending Corporation LPRO	FY2025	$93.2M	-$4.2M	-4.5%	$371.5M	45/100
Medallion Financial Corp MFIN	FY2025	$254.9M	$43.0M	16.9%	$256.9M	22/100
Consumer Portfolio Services CPSS	FY2025	$434.5M	$19.3M	4.5%	$200.4M	29/100
CPI Card Group Inc. PMTS	FY2025	$543.5M	$14.9M	2.8%	$287.7M	61/100

Where Finance of America Companies Inc. Ranks

Frequently Asked Questions

What is Finance of America Companies Inc.'s annual revenue?

Finance of America Companies Inc. (FOA) reported $497.4M in total revenue for fiscal year 2025. This represents a 26.1% 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 26.1% year-over-year, from $394.4M to $497.4M in fiscal year 2025.

Is Finance of America Companies Inc. profitable?

Yes, Finance of America Companies Inc. (FOA) reported a net income of $45.2M in fiscal year 2025, with a net profit margin of 9.1%.

How much debt does Finance of America Companies Inc. have?

As of fiscal year 2025, Finance of America Companies Inc. (FOA) had $89.5M in cash and equivalents against $357.5M 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 9.1% in fiscal year 2025, 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 11.4% for fiscal year 2025, 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) recorded an outflow of $429.7M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are Finance of America Companies Inc.'s total assets?

Finance of America Companies Inc. (FOA) had $30.7B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Finance of America Companies Inc. buy back shares?

Yes, Finance of America Companies Inc. (FOA) spent $40.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

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 0.90 as of fiscal year 2025, 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 2025, measuring how efficiently the company uses its assets to generate profit.

What is Finance of America Companies Inc.'s P/E ratio?

Finance of America Companies Inc. (FOA) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $101.6M as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Finance of America Companies Inc.'s price-to-sales ratio?

Finance of America Companies Inc. (FOA) trades at 0.3x sales, its market capitalization divided by revenue of $337.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $101.6M as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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?

For every $1 of reported earnings, Finance of America Companies Inc. (FOA) used $9.50 of operating cash (-$429.7M OCF vs $45.2M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. 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.