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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) filed a Form 4 showing its Chief Financial Officer acquired 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) reported a Form 4 for Chief Investment Officer Jeremy Prahm documenting the acquisition of 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 million, leading to a basic 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.
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 (FOA) filed a Form 144 noting a proposed sale of 1,100 Class A shares by Tai A. Thornock. The filing lists an aggregate market value of $23,474, an approximate sale date of 10/16/2025, execution through Fidelity Brokerage Services LLC, and listing on the NYSE.
The shares to be sold were acquired via restricted stock vesting: 291 shares on 04/03/2023 and 809 shares on 04/01/2024, both categorized as compensation. Shares outstanding were 11,079,270.
The seller reported recent sales of 1,100 shares each on 07/16/2025 ($25,575), 08/18/2025 ($29,931), and 09/16/2025 ($28,457).
Bloom Retirement Holdings Inc. and Reza Jahangiri filed Amendment No. 12 to Schedule 13D for Finance of America Companies Inc. They may be deemed to beneficially own 2,126,091 shares of Class A common stock as of October 13, 2025, representing 9.49% of the class, based on 11,079,270 shares outstanding as of August 6, 2025.
Bloom is the record holder of 326,484 shares and 1,799,607 FOAEC Units, which are exchangeable into Class A shares on a one-for-one basis. Issuance of FOAEC Units is limited by a 9.49% ownership cap until certain consents and approvals are satisfied (the “Control Condition”). The reporting persons have shared voting and dispositive power over 2,126,091 shares and no sole power.
Since their most recent filing, Bloom disposed of 140,022 shares in open-market transactions under a 2025 Rule 10b5-1 trading plan.
Finance of America Companies Inc. reporting person Tai A. Thornock disclosed a sale of Class A common stock under a pre-established Rule 10b5-1 trading plan. On 09/16/2025 the reporting person sold 1,100 shares at a price of $25.87 per share (the filing states the sales occurred in multiple transactions each at $25.87), reducing the reporting person’s beneficial ownership to 15,050 shares. The Form 4 was signed by a power of attorney on 09/18/2025 and notes the 10b5-1 plan was adopted on 12/04/2024 and amended on 12/13/2024.