FOA
Finance of America Companies Inc.23.47
+0.04+0.17%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Key Stats
Market Cap
260.03MP/E (TTM)
-Basic EPS (TTM)
-1.03Dividend Yield
0%Recent Filings
10-K
FY2025 results
Finance of America Companies Inc. delivered FY2025 results with $497M revenue, up from $394M in FY2024, driven by 24% higher reverse mortgage originations at $2.4B alongside $226M net origination gains. Q4 saw the launch of AI chatbot 'Joy' and a record $2B non-agency securitization, while net portfolio interest held steady at $261M despite higher funding costs, offset by $39M gains from trust security repurchases. Portfolio UPB grew to $29B with stable delinquency; liquidity stood at $0.6B including $90M cash. No annual guidance issued. Geographic concentration in California (44% of loans) exposes Q4 momentum to regional economic or natural disaster risks.
8-K
FOA's 2025 profits soar 175%
Finance of America posted $110M net income from continuing operations for 2025, up 175% YoY, with funded volume climbing 24% to $2.4B on higher demand for home equity solutions. Q4 saw a $21M loss yet beat prior-year's $143M hole. Growth fueled operating leverage. Key deals: PHH reverse servicing buy, $2.5B Blue Owl partnership, Blackstone exit.
8-K
Closes $50M preferred stock sale
Finance of America closed its $50 million sale of 50,000 shares of Series A Convertible Perpetual Preferred Stock to Blue Owl funds on December 15, 2025, following the Investment Agreement signed December 11. The deal includes a Registration Rights Agreement granting resale rights for the convertible shares. It bolsters capital while diluting common equity on conversion. Preferred units mirror terms in the UP-C subsidiary.
8-K
FOA raises $50M preferred from Blue Owl
Finance of America inked an Investment Agreement on December 11, 2025, to issue 50,000 shares of senior Series A Convertible Perpetual Preferred Stock to Blue Owl funds for $50.0 million, closing no earlier than December 15. The preferred carries 9.0% initial quarterly cash dividends—rising to 16.0% over time—convertible into Class A Common at $35.00 initial price with voting capped at 4.9%, while Blue Owl gains preemptive rights and a board seat after seven years. Seniority blocks common payouts until liquidation preference met.
8-K
Acquires PHH reverse assets
Finance of America Reverse agreed on November 17, 2025, to acquire PHH Mortgage's reverse mortgage origination and servicing assets, including loans and servicing rights, for their estimated book value in cash. The deal, slated for Q1 2026 close pending GNMA consent, includes a 3-year PHH subservicing pact and team hires. It deepens ties with Onity. Risks include termination by May 1, 2026.
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