Finance of America Companies (FOA)
NYSE:FOA
Earnings Data
Report Date
May 11, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.84Last Year’s EPS
0.52Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasizes strong operational momentum, large year-over-year improvements in adjusted earnings and revenue, meaningful originations growth, technological/digital gains (AI-powered conversion improvements and faster digital funnel metrics), and improved cash flow and capitalization. Key risks highlighted were GAAP volatility driven by noncash fair-value adjustments, remaining corporate leverage and near-term capital allocation trade-offs that constrain share repurchases. Management provided clear plans to pay down debt and reiterated 2026 growth and earnings guidance, indicating confidence in sustainability of the improving underlying economics.Company Guidance
Large Adjusted Earnings Improvement
Full-year adjusted net income of $74 million ($3.04 per share), up $60 million year-over-year, representing a 429% increase; full-year adjusted EBITDA of $143 million, a 138% increase versus 2024.
Significant GAAP Profit Recovery for the Year
Reported GAAP net income of $110 million ($5.04 per basic share) for 2025, a 175% improvement compared to the prior year.
Revenue and Origination Growth
Total revenue increased 26% year-over-year to $497 million (from $394 million in 2024). Funded originations grew to $2.4 billion in 2025, a 24% increase versus $1.9 billion in 2024; fourth quarter funded volume was $619 million.
Quarterly Adjusted Momentum
Fourth quarter adjusted net income of $14 million ($0.69 per share), up 180% versus Q4 2024; fourth quarter adjusted EBITDA of $28 million, up 56% year-over-year.
Second-Half Run-Rate and 2026 Guidance
Second-half 2025 adjusted net income of $47 million (adjusted EPS $2.05), implying an annualized run rate of $4.10 per share. Company guides 2026 adjusted EPS of $4.25–$4.75 and expects volume growth of 15%–25% (to $2.8B–$3.1B).
Operational and Digital Performance Gains
Customer acquisition and operations improvements: January inquiry volume +75% YoY; speed-to-answer improved >60%; opportunities ~30% above baseline; cost per opportunity down 12% vs H2 2025. Joy AI ambassador delivers >5x conversion vs prior third‑party call center. Digital channel: prequalification engagement doubled vs Q4 2025; among digital users speed-to-application +47%, speed-to-submission +36%, submission rate +77%.
Stronger Balance Sheet and Cash Generation
Cash and cash equivalents increased by $42 million in 2025. The company generated over $150 million of cash flows from core origination and capital markets activities; paid down $117 million of corporate debt/working capital; completed acquisition of remaining Blackstone equity stake; tangible equity ended 2025 117% greater than Dec 2024.
Accessible Financing and Improved Terms
Management reports ample warehouse financing, added new financing partners and generally tighter spreads and improved advance rates on renewed facilities; MSR/HMBS financing pursuits progressing well.
FOA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FOA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 10, 2026 | $17.60 | $17.37 | -1.31% |
Nov 04, 2025 | $21.94 | $23.01 | +4.88% |
Aug 05, 2025 | $22.89 | $24.68 | +7.82% |
May 06, 2025 | $19.45 | $21.29 | +9.46% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Finance of America Companies (FOA) report earnings?
Finance of America Companies (FOA) is schdueled to report earning on May 11, 2026, After Close (Confirmed).
What is Finance of America Companies (FOA) earnings time?
Finance of America Companies (FOA) earnings time is at May 11, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FOA EPS forecast?
FOA EPS forecast for the fiscal quarter 2026 (Q1) is 0.84.