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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 GAAP net income of $131 million year-to-date, or $5.78 per basic share, despite a Q3 net loss of $29 million due to changes in home price appreciation assumptions and market inputs.
Adjusted net income for Q3 was $33 million ($1.33 per share), up over 120% year-over-year and 125% sequentially, driven by improved origination gains, fee income, and capital markets activity.
Funded volumes increased by 28% year-over-year for the first nine months, reaching $1.8 billion, with Q3 funded volume at $603 million.
Announced a strategic partnership with Better.com to expand product offerings and technology capabilities for the senior demographic.
Financial highlights
Adjusted net income for the first nine months reached $60 million ($2.33 per share), up 567% year-over-year.
Adjusted EBITDA for the first nine months was $114 million, a 171% increase year-over-year; Q3 adjusted EBITDA was $55 million, up 83% sequentially.
Q3 revenues, excluding fair value changes, totaled $103 million; Q3 total revenues were $81 million, down 54% sequentially.
Q3 total expenses rose 15% sequentially to $109 million.
Total equity decreased to $366 million, reflecting the repurchase of Blackstone's equity stake.
Outlook and guidance
Reaffirmed full-year 2025 adjusted EPS target of $2.60-$3.00 and tracking toward the low end of the $2.4-$2.7 billion volume range.
2026 guidance projects 20%-25% volume growth and adjusted EPS of $4.25-$4.75.
Management expects continued growth in demand for home equity solutions and aims to leverage the Better.com partnership for further expansion.
Expecting sustained annual volume growth of roughly 20% in coming years.
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Next Finance Of America Companies earnings date
Q4 202512 Mar, 2026
Next Finance Of America Companies earnings date
Q4 202512 Mar, 2026
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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.
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