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 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

Free Cash Flow Not reported for the trailing 12 months

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

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 2026-08-29

Profitability has returned, but persistent operating cash outflows reveal an asset-heavy financing model rather than straightforward earnings conversion.

In FY2025, net income was $45.2M while operating cash flow was -$429.7M, a gap that reverses the usual path from accounting profit to cash. The comparable FY2024 pattern—$15.5M of net income alongside -$423.8M of operating cash flow—shows this is a recurring operating feature, not a one-year mismatch.

Balance-sheet leverage remains structural: liabilities equaled 98.7% of assets in FY2025, leaving a thin equity cushion. Debt-to-equity improved from 1.5x in FY2023 to 0.9x in FY2025, but that narrower debt measure does not erase the broader thin-equity posture.

Operating efficiency improved with scale: revenue more than doubled from $234.3M in FY2023 to $497.4M in FY2025 while SG&A decreased, suggesting growth was not accompanied by proportional overhead. Net margin shifted from -34.2% to 9.1% over the same span, marking a change in earnings structure rather than merely larger sales.

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

$497.4M

YoY+26.1%

Finance Of America Companies Inc generated $497.4M in revenue in fiscal year 2025. This represents an increase of 26.1% from the prior year.

Net Income

$45.2M

YoY+192.1%

Finance Of America Companies Inc reported $45.2M in net income in fiscal year 2025. This represents an increase of 192.1% from the prior year.

EPS (Diluted)

$3.74

YoY+216.9%

Finance Of America Companies Inc earned $3.74 per diluted share (EPS) in fiscal year 2025. This represents an increase of 216.9% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$89.5M

YoY+88.9%

5Y CAGR-17.4%

Finance Of America Companies Inc held $89.5M in cash against $357.5M in long-term debt as of fiscal year 2025.

Free Cash Flow

Not reported for fiscal year 2025.

Dividends Per Share

Not reported for fiscal year 2025.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

9.1%

YoY+5.2pp

Finance Of America Companies Inc's net profit margin was 9.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.2 percentage points from the prior year.

Return on Equity

11.4%

YoY+6.5pp

Finance Of America Companies Inc's ROE was 11.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 6.5 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$40.1M

Finance Of America Companies Inc spent $40.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

Not reported for fiscal year 2025.

FOA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FOA quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19
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
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 (Diluted)	-$2.01	$3.74+216.9%	$1.18	-$9.77	-$3.12	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$62.5M-48.0%	$120.1M+63.4%	$73.5M-9.1%	$80.8M-54.4%	$177.4M+7.0%	$165.7M	N/A	$290.1M
SG&A Expenses	$13.9M-3.9%	$14.5M+19.0%	$12.2M-4.9%	$12.8M-3.0%	$13.2M+1.5%	$13.0M	N/A	$14.4M
Interest Expense	$435.2M+8.4%	$401.3M+3003.4%	$12.9M-10.7%	$14.5M-4.8%	$15.2M+2.1%	$14.9M	N/A	$9.2M
Income Tax	-$42.2M-3961.3%	$1.1M+259.3%	-$686K-627.7%	$130K-93.9%	$2.1M+9.7%	$1.9M	N/A	$4.4M
Net Income	$2.1M-88.3%	$17.5M+268.6%	-$10.4M-9.1%	-$9.5M-127.2%	$34.9M+15.6%	$30.2M	N/A	$84.2M
EPS (Diluted)	-$1.28-245.5%	$0.88	-$0.34	-$1.27	$2.13-12.3%	$2.43+145.9%	-$5.29-170.5%	$7.50

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

FOA Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FOA quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19
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
Accounts Receivable	$26.4M+26.2%	$20.9M-23.9%	$27.5M-48.4%	$53.3M+91.4%	$27.8M	N/A	N/A
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$37.3B+19.1%	$31.3B+1.9%	$30.7B+0.2%	$30.7B+1.7%	$30.1B+1.5%	$29.7B+1.8%	$29.2B+0.7%	$29.0B
Cash & Equivalents	$85.3M-20.8%	$107.7M+20.3%	$89.5M-18.5%	$109.8M+136.2%	$46.5M-10.7%	$52.0M+9.8%	$47.4M+7.1%	$44.3M
Accounts Receivable	$15.3M	N/A	$26.4M+67.6%	$15.8M+19.8%	$13.2M	N/A	$20.9M	N/A
Total Liabilities	$36.9B+19.5%	$30.9B+1.8%	$30.3B+0.2%	$30.3B+2.1%	$29.7B+1.3%	$29.3B+1.6%	$28.8B+1.2%	$28.5B
Long-Term Debt	N/A	N/A	$357.5M-8.3%	$390.0M	N/A	N/A	$374.5M	N/A
Total Equity	$406.7M-7.2%	$438.1M+10.7%	$395.6M+8.1%	$365.8M-22.7%	$473.4M+19.9%	$394.9M+25.1%	$315.7M-30.8%	$456.5M
Retained Earnings	-$634.1M+0.3%	-$636.2M+2.7%	-$653.7M-1.6%	-$643.3M-1.5%	-$633.8M+5.2%	-$668.7M+4.3%	-$698.9M-9.2%	-$639.8M

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

FOA Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

FOA quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19
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
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$183.3M-40.0%	-$130.9M-43.1%	-$91.4M+38.9%	-$149.7M-55.2%	-$96.5M-4.8%	-$92.1M+13.3%	-$106.2M-30.5%	-$81.4M
Investing Cash Flow	-$44.8M-147.1%	$95.1M-76.7%	$407.8M+54.7%	$263.6M+91.0%	$138.0M+203.5%	$45.5M-30.4%	$65.3M+174.4%	$23.8M
Financing Cash Flow	$191.9M+118.8%	$87.7M+122.3%	-$394.1M-860.0%	$51.9M+191.4%	-$56.7M-1520.7%	-$3.5M-102.9%	$122.5M+292.2%	$31.2M
Share Buybacks	$0-100.0%	$41.6M	N/A	N/A	$0	$0	N/A	N/A

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

FOA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

FOA quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19
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
FCF Margin	N/A	N/A	N/A	2646.9%	N/A	-270.9%	10.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	3.3%-11.3pp	14.6%+28.7pp	-14.1%-2.3pp	-11.8%-31.5pp	19.7%+1.5pp	18.2%	N/A	29.0%
Return on Equity	0.5%-3.5pp	4.0%+6.6pp	-2.6%0.0pp	-2.6%-10.0pp	7.4%-0.3pp	7.6%	N/A	18.4%
Return on Assets	0.0%0.0pp	0.1%+0.1pp	0.0%0.0pp	0.0%-0.1pp	0.1%0.0pp	0.1%	N/A	0.3%
Debt-to-Equity	90.75+20.2x	70.51+69.6x	0.90-0.2x	1.07-61.6x	62.68-11.5x	74.18+73.0x	1.19-61.2x	62.42

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

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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 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.