Finance Of America Companies Inc SEC Filings

Finance of America Companies (FOA) reported that Chief Legal Officer Lauren Richmond filed a Form 4 disclosing the acquisition of 150,000 Class B Units of Finance of America Equity Capital LLC on 11/12/2025 at a price of $0.

The units vest only upon the consummation of a Change in Control, subject to continued employment. Upon vesting, each Class B Unit converts into Class A Units based on any “Spread Value”, defined as the excess of the fair market value of FOA Class A Common Stock over $23.01. The Board may settle the Spread Value in cash, Class A Units, or both. Each resulting Class A Unit is exchangeable one-for-one into FOA Class A Common Stock on the vesting date at the reporting person’s election.

Finance of America Companies Inc. (FOA)50,000 Class B Units of Finance of America Equity Capital LLC on 11/12/2025 at a price of $0. These units vest only upon the consummation of a Change in Control under the 2021 Omnibus Incentive Plan, subject to continued employment.

Upon vesting, each Class B Unit converts based on any “Spread Value,” defined as the excess of the Common Stock fair market value over $23.01. Converted Class A Units are exchangeable one-for-one for Class A Common Stock on the vesting date, at the reporting person’s election.

Finance of America Companies (FOA)700,000 Class B Units of Finance of America Equity Capital LLC on 11/12/2025 at $0, held directly.

These Class B Units vest upon consummation of a Change in Control (as defined in the 2021 Omnibus Incentive Plan), subject to continued employment. Upon vesting, each Class B Unit converts into Class A Units of FOAEC with value equal to any Spread Value, where Spread Value equals the excess (if any) of the fair market value of FOA Class A Common Stock over $23.01 on the vesting date. The Board may settle the Spread Value in cash, Class A Units, or a combination. After conversion, each resulting Class A Unit is exchangeable for one share of FOA Class A Common Stock. The derivative shows an expiration date of 11/12/2030.

Finance of America Companies Inc. (FOA) reported Q3 2025 results marked by lower fair‑value gains and higher operating spend. Total revenues were $80.8 million, driven by net portfolio interest income of $78.1 million and net origination gains of $59.9 million, offset by negative fair‑value changes. The company posted a net loss of $29.9 million from continuing and discontinued operations.

Expenses rose to $104.6 millionbasic EPS of $(1.05) for the quarter. For the nine months, FOA recorded $423.9 million in total revenues and $125.0 million in net income. The balance sheet shows total assets of $30.66 billion, supported by $18.97 billion of HECM-related loans and $10.48 billion of nonrecourse loan assets; total liabilities were $30.29 billion, and total equity was $365.8 million. Cash and restricted cash ended the period at $402.4 million, with operating cash use offset by investing inflows.

Shares outstanding were 7,891,348 Class A and 12 Class B as of November 7, 2025.

Finance of America Companies (FOA) reported an insider transaction on Form 4. On November 3, 2025, President Kristen N. Sieffert sold 750 shares of Class A common stock at $21.86 per share, executed under a Rule 10b5-1 trading plan. Following the sale, she beneficially owned 81,799 shares, held directly.

The filing notes the sale was effected pursuant to a Rule 10b5-1 plan adopted on December 13, 2024.

Finance of America Companies Inc. (FOA) furnished an 8‑K announcing it issued a press release with financial results for the third quarter ended September 30, 2025. The press release is attached as Exhibit 99.1, dated November 4, 2025, and is incorporated by reference as stated.

The information under Item 2.02, including Exhibit 99.1, is furnished and shall not be deemed filed for purposes of Section 18 of the Exchange Act.

Finance of America Companies (FOA) filed a Form 144 notice for a proposed sale of 750 common shares. The filing lists Wells Fargo Clearing Services as broker, an aggregate market value of $16,388.00, trading on the NYSE, and an approximate sale date of 11/03/2025.

The shares were acquired as RSUs from the issuer on 09/29/2021 in the amount of 750 shares. The notice also reports recent sales by the filer over the past three months: 750 shares on 09/02/2025 for $19,688.00 and 750 shares on 10/01/2025 for $16,568.00. Form 144 is a notice of intent to sell restricted or control securities and does not itself represent a completed sale.

Finance of America Companies Inc. (FOA) completed consented note amendments. On October 21, 2025, subsidiary FOA Funding executed First Supplemental Indentures for its 7.875% Senior Secured Notes due 2026 and its 10.000% Exchangeable Senior Secured Notes due 2029 with U.S. Bank Trust Company, National Association, as trustee and collateral trustee.

The amendments permit FOA Funding and its restricted subsidiaries to make restricted payments, in an aggregate amount not to exceed $45.0 million, to fund repurchases of equity interests pursuant to a previously disclosed Repurchase Agreement, subject to terms and conditions. They also require FOA Funding and any subsidiary holding any HMSR Instrument to treat aggregate net proceeds from monetizing such instruments as Collateral Net Cash Proceeds. For the 2026 Notes, the issuer waived its existing right to extend the maturity date from November 30, 2026 to November 30, 2027 with respect to $60.0 million principal amount.

Finance of America Companies (FOA) disclosed an insider transaction: Chief Accounting Officer Tai A. Thornock sold 1,100 shares of Class A Common Stock at $21.34 on October 16, 2025. The sale was effected pursuant to a Rule 10b5-1 trading plan adopted on December 4, 2024 and amended on December 13, 2024. Following the transaction, the reporting person beneficially owns 13,950 shares directly.