FOXO TECHNOLOGIES (FOXO) Financials
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 Sep 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FOXO SEC filings page.
FOXO TECHNOLOGIES (FOXO) reported $16.4M in revenue for fiscal year 2025, up 304.0% from the prior fiscal year. This page shows its 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).
Revenue is scaling, but cash outflows and thin liquidity keep growth dependent on external financing.
Revenue rose from$4.1M in FY2024 to$16.4M in FY2025, yet operating cash flow became more negative, moving from-$2.8M to-$3.9M . Growth has not converted into self-funding operations, even as the reported loss ratios improved.
Operating margin narrowed from
Short-term financial flexibility remains limited: FY2025 current ratio was 0.1x and reported liquidity equaled 0.6 months of annual operating outflow. Debt-to-equity declined from 6.8x to 3.0x, but continued negative operating cash flow means the improved ratio has not yet produced operating independence.
Financial Health Signals
FOXO TECHNOLOGIES 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.
FOXO TECHNOLOGIES scores -8.14, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($168K) relative to total liabilities ($33.5M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
FOXO TECHNOLOGIES passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
FOXO TECHNOLOGIES reported a net loss of $12.4M while operations used $3.9M of cash. With neither figure positive, the ratio between the two carries no quality signal.
FOXO TECHNOLOGIES reported an operating loss of $10.3M against $3.4M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
FOXO TECHNOLOGIES generated $4.7M in revenue in Q2 2026. This represents a decrease of 9.6% from the same quarter a year earlier. Against the prior quarter it is down 8.8%.
FOXO TECHNOLOGIES's EBITDA was $8.9M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 1467.4% from the same quarter a year earlier. Against the prior quarter it is up 8538.4%.
FOXO TECHNOLOGIES reported $8.1M in net income in Q2 2026. This represents an increase of 1659.3% from the same quarter a year earlier. Against the prior quarter it is up 660.6%.
Not reported for Q2 2026.
Cash & Balance Sheet
FOXO TECHNOLOGIES generated $293K in free cash flow in Q2 2026, representing cash available after capex. Against the prior quarter it is up 150.4%.
FOXO TECHNOLOGIES held $58K in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
FOXO TECHNOLOGIES's ROE was 823.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 827.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 838.6 percentage points.
Not reported for Q2 2026.
Not shown for Q2 2026: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Not shown for Q2 2026: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
FOXO TECHNOLOGIES invested $24K in research and development in Q2 2026. This represents a decrease of 41.0% from the same quarter a year earlier. Against the prior quarter it is down 33.3%.
FOXO TECHNOLOGIES invested $5K in capex in Q2 2026, funding long-term assets and infrastructure. Against the prior quarter it is up 34.6%.
Not reported for Q2 2026.
FOXO 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.
| 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 | $4.7M-9.6% | $5.2M+63.0% | $4.4M+57.1% | $3.5M+196.5% | $5.2M+18893.9% | $3.2M+44049.3% | $2.8M+2457.2% | $1.2M+11865.6% |
| R&D Expenses | $24K-41.0% | $36K+18.5% | $35K | $77K+76.0% | $40K-61.0% | $30K-81.9% | $0-100.0% | $44K-84.5% |
| SG&A Expenses | $2.7M+2.3% | $2.9M+4.0% | $3.5M+15.6% | $2.5M+42.8% | $2.6M+77.5% | $2.8M+179.8% | $3.0M | $1.7M-63.3% |
| Operating Income | $8.7M+1442.6% | -$277K+82.1% | -$8.5M-112.9% | -$860K+14.5% | $567K+135.7% | -$1.5M-31.2% | -$4.0M | -$1.0M+71.3% |
| EBITDA | $8.9M+1467.4% | -$106K+92.5% | -$8.2M-141.8% | -$717K-4.1% | $569K+137.0% | -$1.4M-52.9% | -$3.4M | -$688K+79.9% |
| Interest Expense | $1.3M+29.9% | $973K+9.4% | $601K-74.6% | $934K-2.3% | $1.0M+86.4% | $890K+2018.6% | $2.4M+1093.1% | $957K+546.4% |
| Net Income | $8.1M+1659.3% | -$1.5M-135.5% | -$9.4M-38.6% | -$1.9M+3.6% | -$522K+75.9% | -$616K+59.0% | -$6.8M | -$1.9M+46.8% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, Income Tax, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
FOXO Balance Sheet
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.
| 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 | $45.9M-8.3% | $45.8M-2.6% | $44.6M+6.9% | $52.1M+22.1% | $50.0M+624.3% | $47.0M+1470.2% | $41.7M+5647.7% | $42.7M+1262.9% |
| Current Assets | $4.8M-15.4% | $4.5M+40.5% | $3.1M+8.0% | $4.2M+43.2% | $5.6M+1051.3% | $3.2M+1119.3% | $2.9M+1132.7% | $2.9M+12.5% |
| Cash & Equivalents | $58K-81.8% | $66K+289.8% | $207K+203.9% | $629K+1748.7% | $322K+875.1% | $17K+463.6% | $68K+79.1% | $34K-19.0% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $160K | $189K | $184K+13.7% | $8K | N/A | N/A | $161K | N/A |
| Accounts Receivable | $4.1M-15.9% | $3.9M+47.3% | $2.5M+8.7% | $3.2M+58.0% | $4.9M+1683.0% | $2.7M | $2.3M | $2.0M |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $27.8M-11.2% | $27.8M-9.2% | $27.8M+9.3% | $34.8M+5.0% | $31.3M+1221.3% | $30.6M | $25.5M | $33.2M |
| Total Liabilities | $45.0M+23.8% | $36.2M-3.2% | $33.5M-8.1% | $32.0M-46.9% | $36.3M+57.5% | $37.4M+108.3% | $36.4M+145.8% | $60.2M+323.1% |
| Current Liabilities | $40.6M+23.5% | $31.6M-6.6% | $28.7M-8.1% | $28.6M-16.6% | $32.9M+54.4% | $33.8M+97.9% | $31.2M+117.6% | $34.3M+154.1% |
| Non-Current Liabilities | $4.4M+26.7% | $4.6M+28.6% | $4.8M-7.5% | $3.3M-87.2% | $3.4M+94.8% | $3.6M+315.4% | $5.2M+969.9% | $25.9M+3504.2% |
| Total Equity | $988K-92.8% | $9.7M0.0% | $11.1M+109.3% | $20.2M+215.4% | $13.7M+185.2% | $9.7M+165.0% | $5.3M+137.8% | -$17.5M-57.7% |
| Retained Earnings | -$218.1M-13.5% | -$226.1M-18.2% | -$224.6M-17.9% | -$206.3M-12.3% | -$192.1M-5.7% | -$191.3M-6.8% | -$190.5M-7.6% | -$183.7M-6.1% |
Not reported in any period shown, so not listed: Long-Term Debt.
FOXO Cash Flow 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.
| 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 | $299K+112.6% | -$578K+56.8% | -$104K+94.4% | -$45K-107.8% | -$2.4M-104.1% | -$1.3M-229.2% | -$1.8M-284.5% | $577K+166.7% |
| Depreciation & Amortization | $176K+7688.8% | $171K+19.6% | $164K-62.5% | $143K-54.8% | $2K-95.7% | $143K-45.1% | $439K+1471.1% | $317K+322.7% |
| Stock-Based Compensation | -$9.1M | N/A | N/A | N/A | N/A | $28K-76.6% | N/A | N/A |
| Capital Expenditures | $5K | $4K | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | $293K | -$582K | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$5K | -$4K | -$19K-5477.7% | -$622K-328.3% | N/A | N/A | -$336 | $272K |
| Financing Cash Flow | -$301K-111.1% | $440K-65.8% | -$298K-115.9% | $974K+214.8% | $2.7M+85.6% | $1.3M+247.0% | $1.9M+295.3% | -$848K |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
FOXO 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.
| 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 Margin | 185.5% | -5.4%+43.4pp | -191.6% | -24.2%+59.8pp | 10.9% | -48.8% | -141.4% | -84.0% |
| Net Margin | 172.6% | -28.1%-8.7pp | -212.5% | -52.9% | -10.0% | -19.4% | -240.9% | -162.7% |
| Return on Equity | 823.6%+827.4pp | -15.0%-8.6pp | -84.5%+43.1pp | -9.3% | -3.8% | -6.3% | -127.6% | N/A |
| Return on Assets | 17.7%+18.8pp | -3.2%-1.9pp | -21.1%-4.8pp | -3.6%+1.0pp | -1.0%+30.3pp | -1.3%+48.9pp | -16.3% | -4.6%+112.3pp |
| Current Ratio | 0.12-0.1x | 0.140.0x | 0.110.0x | 0.15+0.1x | 0.17+0.1x | 0.09+0.1x | 0.09+0.1x | 0.08-0.1x |
| Debt-to-Equity | 45.51+42.9x | 3.72-0.1x | 3.01-3.8x | 1.58 | 2.65 | 3.85 | 6.84 | N/A |
| Asset Turnover | 0.100.0x | 0.110.0x | 0.100.0x | 0.070.0x | 0.10+0.1x | 0.07+0.1x | 0.07-0.1x | 0.030.0x |
| FCF Margin | 6.2% | -11.3% | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin.
Note: The current ratio is below 1.0 (0.11), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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 |
|---|---|---|---|---|---|---|
| FOXO TECHNOLOGIES FOXO | FY2025 | $16.4M | -$12.4M | -75.9% | $168K | — |
| Ontrak Inc OTRK | FY2024 | $10.8M | -$25.5M | N/A | $2.3M | 49/100 |
| Heartbeam Inc BEAT | FY2025 | N/A | -$21.0M | N/A | $23.1M | — |
| BULLFROG AI HLDGS INC BFRG | FY2025 | $117K | -$6.5M | N/A | $9.0M | — |
| Predictive Oncology Inc POAI | FY2025 | $125K | -$233.1M | N/A | $20.2M | — |
| Scworx Corp WORX | FY2025 | $2.9M | -$4.4M | N/A | $1.6M | — |
Where FOXO TECHNOLOGIES Ranks
Frequently Asked Questions
What is FOXO TECHNOLOGIES's annual revenue?
FOXO TECHNOLOGIES (FOXO) reported $16.4M in total revenue for fiscal year 2025. This represents a 304.0% 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 FOXO TECHNOLOGIES's revenue growing?
FOXO TECHNOLOGIES (FOXO) revenue grew by 304.0% year-over-year, from $4.1M to $16.4M in fiscal year 2025.
Is FOXO TECHNOLOGIES profitable?
No, FOXO TECHNOLOGIES (FOXO) reported a net income of -$12.4M in fiscal year 2025, with a net profit margin of -75.9%.
What is FOXO TECHNOLOGIES's EBITDA?
FOXO TECHNOLOGIES (FOXO) had EBITDA of -$9.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is FOXO TECHNOLOGIES's operating margin?
FOXO TECHNOLOGIES (FOXO) had an operating margin of -63.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is FOXO TECHNOLOGIES's net profit margin?
FOXO TECHNOLOGIES (FOXO) had a net profit margin of -75.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is FOXO TECHNOLOGIES's return on equity (ROE)?
FOXO TECHNOLOGIES (FOXO) has a return on equity of -111.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is FOXO TECHNOLOGIES's free cash flow?
FOXO TECHNOLOGIES (FOXO) recorded an outflow of $3.9M in free cash flow during fiscal year 2025. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is FOXO TECHNOLOGIES's operating cash flow?
FOXO TECHNOLOGIES (FOXO) recorded an outflow of $3.9M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are FOXO TECHNOLOGIES's total assets?
FOXO TECHNOLOGIES (FOXO) had $44.6M in total assets as of fiscal year 2025, including both current and long-term assets.
What are FOXO TECHNOLOGIES's capital expenditures?
FOXO TECHNOLOGIES (FOXO) invested $62K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does FOXO TECHNOLOGIES spend on research and development?
FOXO TECHNOLOGIES (FOXO) invested $182K in research and development during fiscal year 2025.
What is FOXO TECHNOLOGIES's current ratio?
FOXO TECHNOLOGIES (FOXO) had a current ratio of 0.11 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is FOXO TECHNOLOGIES's debt-to-equity ratio?
FOXO TECHNOLOGIES (FOXO) had a debt-to-equity ratio of 3.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is FOXO TECHNOLOGIES's return on assets (ROA)?
FOXO TECHNOLOGIES (FOXO) had a return on assets of -27.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is FOXO TECHNOLOGIES's P/E ratio?
FOXO TECHNOLOGIES (FOXO) 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 $168K as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is FOXO TECHNOLOGIES's price-to-sales ratio?
FOXO TECHNOLOGIES (FOXO) trades at 0.0x sales, its market capitalization divided by revenue of $17.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $168K as of Sep 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
How does FOXO TECHNOLOGIES's liquidity compare with its operating cash outflow?
At the end of fiscal year 2025, FOXO TECHNOLOGIES (FOXO) held $207K in cash, cash equivalents and investments, and reported an operating cash outflow of $3.9M over that year. Dividing the one by the other, the reported balance equals about 1 month of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.
What is FOXO TECHNOLOGIES's Altman Z-Score?
FOXO TECHNOLOGIES (FOXO) has an Altman Z-Score of -8.14, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is FOXO TECHNOLOGIES's Piotroski F-Score?
FOXO TECHNOLOGIES (FOXO) has a Piotroski F-Score of 4 out of 7 computable signals; 2 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 FOXO TECHNOLOGIES's earnings high quality?
FOXO TECHNOLOGIES (FOXO) reported a net loss of $12.4M while operations used $3.9M of cash. With neither figure positive, the ratio between the two carries no quality signal. 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.
Can FOXO TECHNOLOGIES cover its interest payments?
FOXO TECHNOLOGIES (FOXO) reported an operating loss of $10.3M against $3.4M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.