)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Finance Of America Companies (FOA) investor relations material
Finance Of America Companies Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Achieved year-to-date GAAP net income of $131 million ($5.78 per basic share), with Q3 adjusted net income of $33 million ($1.33 per share), more than doubling year-over-year and up 136% sequentially.
Funded volumes increased 28% year-over-year for the first 9 months, reaching $1.8 billion, with Q3 origination performance at $603 million.
Strategic execution included digital transformation, AI adoption, and a partnership with Better.com to expand product offerings for the senior demographic.
Announced a repurchase agreement to buy out Blackstone's equity stake, with amended terms allowing for two closings and potential price increases if delayed.
Focused on expanding core retirement solutions, leveraging demographic and economic tailwinds, and enhancing digital capabilities to increase origination volumes and efficiency.
Financial highlights
Q3 GAAP net loss of $29 million due to non-cash fair value adjustments, but year-to-date pre-tax income remains strong at $131 million.
Q3 total revenues were $81 million, down 54% sequentially and 72% year-over-year, with Q3 revenues (excluding fair value changes) at $103 million.
Adjusted net income for the first 9 months reached $60 million ($2.33 per share), up from $9 million ($0.38 per share) in 2024, and Q3 adjusted EBITDA was $55 million.
Net origination gains rose to $59.9 million on $602.9 million in loan originations, up 17.4% year-over-year.
Cash and cash equivalents increased to $110 million at quarter-end, up from $46 million in Q2.
Outlook and guidance
Reaffirmed full-year 2025 adjusted EPS target of $2.60-$3.00, tracking toward the low end of $2.4-$2.7 billion volume guidance.
2026 guidance projects 20%-25% volume growth and adjusted EPS of $4.25-$4.75, a 60% year-over-year increase.
Management expects continued growth in reverse mortgage originations and demand for home equity solutions, leveraging product innovation and digital enhancements.
The company is monitoring macroeconomic conditions, including interest rate volatility, which may impact future results.
What underpins 2026 EPS and volume growth targets?
Quantify digital strategy's impact on unit economics
Optimal cash level and securitization cadence
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Finance Of America Companies earnings date
Q4 202512 Mar, 2026
Next Finance Of America Companies earnings date
Q4 202512 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Finance of America Companies Inc. is a financial services company that provides lending and investment solutions across various markets. The company operates through multiple business segments, including home loans, reverse mortgages, commercial real estate financing, and home improvement loans. It serves consumers, businesses, and institutional investors by offering mortgage products, loan servicing, and capital markets solutions. The company is headquartered in Plano, Texas, and its shares are listed on the NYSE.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage