Here are the 10-K annual reports from Finance of America Companies Inc. (FOA) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow FOA and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FOA filings page.
Finance of America Companies Inc. details its 2025 performance and strategy as a specialized provider of home equity-based retirement financing, focused on reverse mortgages and new traditional home equity loans for homeowners aged 55 and over.
The company reports 2025 revenue of $497 million, including $253 million from its Retirement Solutions segment, and net income of $103 million after prior years of losses. It highlights heavy use of fair value accounting, significant interest-rate sensitivity, and geographic concentration, with 44% of reverse mortgage balances tied to California properties as of December 31, 2025.
FOA emphasizes growth initiatives such as AI-driven tools, a national marketing rebrand, and strategic partnerships with Better, PHH, and Blue Owl, including a commitment from Blue Owl to purchase up to $2.5 billion in loans. As of December 31, 2025, it cites $1.7 billion in loan funding capacity across 15 facilities and $0.6 billion in liquidity sources, while warning about substantial leverage, upcoming 2026 debt repayments, cybersecurity risks, and extensive regulatory oversight.