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Bloom Retirement Holdings Inc. and Reza Jahangiri updated their ownership in Finance of America Companies Inc. (FOA), reporting beneficial ownership of 1,995,608 shares of Class A common stock as of November 20, 2025, equal to 9.49% of the class based on 7,891,348 shares outstanding as of November 7, 2025. Bloom is the record holder of 196,001 Class A shares and 1,799,607 FOAEC Units, each exchangeable into one Class A share. Issuance of FOAEC Units is limited by a 9.49% ownership cap until certain consents and approvals, defined as the Control Condition, are satisfied. Since their prior report, Bloom sold 126,173 Class A shares in open-market transactions under a 2025 10b5-1 trading plan and made a gift of 4,310 shares on November 12, 2025.
Finance of America Companies Inc. (FOA)8,029,817 shares of Class A common stock, representing 63.1% of the class, with part of this stake issuable upon conversion of FoA Units. Together with Brian Libman and his affiliates, the group may be deemed to beneficially own 17,331,176 shares, or 83.0% of the outstanding Class A stock. The amended and restated repurchase agreement provides for FOA to repurchase the “Sold Equity” in two closings at $10.00 per share, with a 15.00% per annum price increase for later closing amounts and a $10,037,271.20 premium if the first closing does not occur by December 4, 2025, and sets an outside date of February 27, 2026 for the second closing, subject to customary conditions and termination rights.
FOA shareholder Tai A. Thornock filed a Form 144 notice to sell 1,100 Class A shares through Fidelity Brokerage Services on the NYSE, with an aggregate market value of $24,893. The filing notes that 7,891,348 Class A shares were outstanding at the time.
The 1,100 shares to be sold were acquired on 04/01/2024 through restricted stock vesting from the issuer as compensation. Over the past three months, Thornock has already sold 1,100 Class A shares on each of 08/18/2025, 09/16/2025, and 10/16/2025, for gross proceeds of $29,931, $28,457, and $23,474, respectively.
Finance of America (FOA) reported a Form 4 for its Chief Executive Officer, detailing an award of 700,000 Class B Units of Finance of America Equity Capital LLC on 11/12/2025 (code A) at a price of $0.
These units vest only upon a Change in Control, subject to continued employment. Upon vesting, each Class B Unit converts into Class A Units with value equal to any “Spread Value,” defined as the amount by which the fair market value of FOA Class A Common Stock exceeds $23.01 on the vesting date. The board may settle the Spread Value in cash, Class A Units, or a combination. After conversion, each Class A Unit is exchangeable for one share of FOA Class A Common Stock at the holder’s election.
Finance of America Companies Inc. (FOA) reported an insider equity award. President Kristen N. Sieffert acquired 400,000 Class B Units of Finance of America Equity Capital LLC on 11/12/2025.
The derivative award carries a $0 exercise price and an expiration date of 11/12/2030. 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 with value equal to any spread above $23.01 per share and may be settled in cash, Class A Units, or a combination at the Board’s discretion. After conversion, each Class A Unit is exchangeable on the vesting date into one share of Class A Common Stock at the reporting person’s election.
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 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.
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