AI Earnings Predictions for Finance of America Companies Inc. (FOA)

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FINANCE OF AMERICA REPORTS SECOND QUARTER 2026 RESULTS

– $0.10 in basic earnings per share or $1 million of net income attributable to holders of Class A Common Stock for the quarter –

– $1.28 in diluted loss per share or $29 million net loss for the quarter –

– $0.84 in adjusted earnings per share(1) or $19 million of adjusted net income(1) for the quarter –

– $35 million of Adjusted EBITDA(1) for the quarter –

Plano, Texas (August 4, 2026): Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, reported financial results for the quarter ended June 30, 2026.

Second Quarter and Year-to-Date 2026 Highlights(2)

•Funded volume of $730 million for the quarter, representing a 21% increase year over year.

•$0.10 in basic earnings per share or $1 million of net income attributable to holders of Class A Common Stock for the quarter. For the first half of 2026, the Company has recognized $1.99 in basic earnings per share or $17 million of net income attributable to holders of Class A Common Stock.

•$1.28 in diluted loss per share or $29 million net loss for the quarter. For the first half of 2026, the Company recognized $0.41 in diluted earnings per share or $6 million of net income.

•$0.84 in adjusted earnings per share(1) or $19 million of adjusted net income(1) during the quarter. On a per share basis, this represents a 53% improvement over the second quarter 2025.

•$1.94 in adjusted earnings per share(1) or $45 million of adjusted net income(1) during the first half of 2026. On a per share basis, this represents a 81% improvement over the first half of 2025.

•Total equity of $407 million as of June 30, 2026, with total equity attributable to common stock of $297 million, or $33.20 book value per common share. Tangible equity(1) of $246 million, or $13.31 per share(1).

•Completed the acquisition of Onity HECM servicing portfolio in June 2026.

(1) See the sections titled “Reconciliation to GAAP” and “Non-GAAP Financial Measures” for reconciliations to the most directly comparable GAAP measures and other important disclosures.

(2) The financial information presented in the highlights is for the Company’s continuing operations.

Graham A. Fleming, Chief Executive Officer commented, “The second quarter of 2026 reinforced what we've been communicating over the past several quarters: that the operational improvements and investments we have made are now translating into a stronger, more scalable business. Demand is strengthening, conversion and sales productivity are improving, and our proprietary products are expanding the ways we can serve older homeowners. We believe Finance of America is well positioned to capture the long-term opportunity in home equity and create durable shareholder value.”

1

(unaudited)

Second Quarter and Year-to-Date 2026 Financial Summary of Continuing Operations

($ amounts in millions, except per share data) Variance (%)Variance (%)Variance (%)

Q2'26Q1'26Q2'26 vs Q1'26Q2'25Q2'26 vs Q2'25YTD 2026YTD 20252026 vs 2025

Funded volume$730 $596 22 %$602 21 %$1,326 $1,163 14 %

Total revenues62 120 (48)%177 (65)%183 343 (47)%

Total expenses and other, net134 84 60 %95 41 %217 179 21 %

Pre-tax income (loss) from continuing operations(71)36 (297)%82 (187)%(35)164 (121)%

Net income (loss) from continuing operations(29)35 (183)%80 (136)%6 160 (96)%

Adjusted net income(1) 19 26 (27)%14 36 %45 27 67 %

Adjusted EBITDA(1) 35 44 (20)%30 17 %79 59 34 %

Basic earnings per share$0.10 $1.93 (95)%$3.16 (97)%$1.99 $6.33 (69)%

Diluted earnings (loss) per share(2) $(1.28)$0.88 (245)%$2.13 (160)%$0.41 $4.69 (91)%

Adjusted earnings per share(1) $0.84 $1.10 (24)%$0.55 53 %$1.94 $1.07 81 %

(1) See the sections titled “Reconciliation to GAAP” and “Non-GAAP Financial Measures” for reconciliations to the most directly comparable GAAP measures and other important disclosures.

(2) Calculated using the treasury stock, if-converted, or two-class method, except when anti-dilutive.

Balance Sheet Highlights

($ amounts in millions)(1) June 30,March 31,Variance (%)June 30,Variance (%)

20262026Q2'26 vs Q1'262025Q2'26 vs Q2'25

Cash and cash equivalents$85 $108 (21)%$46 85 %

Securitized loans held for investment (HMBS & nonrecourse)35,973 30,090 20 %28,747 25 %

Total assets37,317 31,328 19 %30,147 24 %

Total liabilities36,910 30,890 19 %29,674 24 %

Total equity407 438 (7)%473 (14)%

Tangible equity(2) 246 268 (8)%275 (11)%

•As of June 30, 2026, the Company held $85 million in cash and cash equivalents, an 85% increase from June 30, 2025, reflecting strong cash generation from originations and capital markets activities, which provided the majority of the funding to complete the acquisition of the Onity HECM servicing portfolio.

•Securitized loans held for investment, total assets, and total liabilities increased by 19% or

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FINANCE OF AMERICA REPORTS FIRST QUARTER 2026 RESULTS

– $1.93 in basic earnings per share or $35 million of net income for the quarter –

– $1.10 in adjusted earnings per share(1) or $26 million of adjusted net income(1) for the quarter, and outpacing consensus estimates –

– $44 million of Adjusted EBITDA(1) for the quarter –

Plano, Texas (May 5, 2026): Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, reported financial results for the quarter ended March 31, 2026.

First Quarter 2026 Highlights(2)

•Funded volume of $596 million for the quarter, representing a 6% increase year over year, with volumes accelerating in March.

•$1.93 in basic earnings per share or $35 million of net income for the quarter. These results benefitted from growing funded volume, strong operating margin, and a modest fair value gain on our portfolio.

•$1.10 in adjusted earnings per share(1) or $26 million of adjusted net income(1) during the quarter, driven by improved origination gains, improved operating leverage, and increased capital markets activity, exceeding consensus estimates.

•Total equity increased to $438 million. Tangible equity(1) grew to $268 million, or $14.82 per share(1).

•Completed the repurchase of Blackstone’s equity interest in Finance of America as of February 2026.

(1) See the sections titled “Reconciliation to GAAP” and “Non-GAAP Financial Measures” for reconciliations to the most directly comparable GAAP measures and other important disclosures.

(2) The financial information presented in the highlights is for the Company’s continuing operations.

Graham A. Fleming, Chief Executive Officer commented, “The first quarter of 2026 was an outstanding quarter, with operational momentum in originations driving an acceleration in volumes and steady improvement in our financial results, liquidity, and capital position. Our focus is on translating that momentum into consistent, repeatable growth through the rest of 2026 and in the years ahead.”

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(unaudited)

First Quarter Financial Summary of Continuing Operations

($ amounts in millions, except per share data) Variance (%)Variance (%)

Q1'26Q4'25Q1'26 vs Q4'25Q1'25Q1'26 vs Q1'25

Funded volume$596 $619 (4)%$561 6 %

Total revenues120 74 62 %166 (28)%

Total expenses and other, net84 96 (13)%84 — %

Pre-tax income (loss) from continuing operations36 (22)264 %82 (56)%

Net income (loss) from continuing operations35 (21)267 %80 (56)%

Adjusted net income(1) 26 14 86 %13 100 %

Adjusted EBITDA(1) 44 28 57 %29 52 %

Basic earnings (loss) per share$1.93 $(1.30)248 %$3.17 (39)%

Diluted earnings (loss) per share(2) $0.88 $(1.30)168 %$2.56 (66)%

Adjusted earnings per share(1) $1.10 $0.69 59 %$0.52 112 %

(1) See the sections titled “Reconciliation to GAAP” and “Non-GAAP Financial Measures” for reconciliations to the most directly comparable GAAP measures and other important disclosures.

(2) Calculated using the treasury stock, if-converted, or two-class method, except when anti-dilutive.

Balance Sheet Highlights

($ amounts in millions)(1) March 31,December 31,Variance (%)March 31,Variance (%)

20262025Q1'26 vs Q4'252025Q1'26 vs Q1'25

Cash and cash equivalents$108 $90 20 %$52 108 %

Securitized loans held for investment (HMBS & nonrecourse)30,090 29,162 3 %28,439 6 %

Total assets31,328 30,733 2 %29,689 6 %

Total liabilities30,890 30,338 2 %29,294 5 %

Total equity438 396 11 %395 11 %

Tangible equity(2) 268 216 24 %187 43 %

•As of March 31, 2026, the Company held $108 million in cash and cash equivalents, a 108% increase from March 31, 2025, reflecting strong cashflow from originations and capital markets activities.

•For the quarter, total equity increased to $438 million as of March 31, 2026, driven by strong profitability.

•Tangible equity(2) increased to $268 million as of March 31, 2026, an increase of 43% from March 31, 2025.

(1) Numbers may not foot due to rounding.

(2) See the sections titled “Reconciliation to GAAP” and “Non-GAAP Financial Measures” for reconciliations to the most directly comparable GAAP measures and other important disclosures.

2

(unaudited)

Segment Results

Retirement Solutions

The Retirement Solutions segment generates revenue from fees earned at the time of loan origination as well as from the initial estimate of net origination gains, with all originated loans accounted for at fair value.

Variance (%)Variance (%)

($ amounts in millions) Q1'26Q4'25Q1'26 vs Q4'25Q1'25Q1'26 vs Q1'25

Funded volume$596 $619 (4)%$561 6 %

Total revenue67 71 (6)%52 29 %

Pre-tax income10 15 (33)%3 233 %

Adjusted net income(1) 14 18 (22)%9 56 %

(1) See the sections titled “Reconciliation to GAAP” and “Non-GAAP Financial Measures” for reconciliations to the most directly comparable GAAP measures and other important disclosures.

•For the quarter, funded vo

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FINANCE OF AMERICA REPORTS FOURTH QUARTER AND FULL YEAR 2025 RESULTS

– $5.04 in basic earnings per share or $110 million of net income from continuing operations for the year, up 175% year over year –

– $3.04 in adjusted earnings per share(1) or $74 million of adjusted net income(1) for the year, up 429% year over year –

– Funded volume of $2.4 billion for the year, representing a 24% increase from 2024 –

Plano, Texas (March 10, 2026): Finance of America Companies Inc. (“Finance of America” or the “Company”) (NYSE: FOA), a leading provider of home equity-based financing solutions for a modern retirement, reported financial results for the quarter and year ended December 31, 2025.

Fourth Quarter and Full Year 2025 Highlights(2)

•Funded volume of $619 million for the quarter, consistent with expectations and brings funded volume for the year to $2.4 billion, representing a 24% increase from 2024.

•$5.04 in basic earnings per share or $110 million of net income from continuing operations for the year, a 175% increase compared to 2024. This improvement was driven by higher funded volume, improved operating leverage, and favorable fair value adjustments during the year.

•Adjusted net income(1) of $74 million during 2025, an improvement of 429% compared to 2024, driven by improved origination gains, improved operating leverage, and increased capital markets activity, generating $3.04 in adjusted earnings per share(1), above the stated guidance range.

•Announced an agreement to acquire the reverse mortgage servicing portfolio and related assets from PHH Mortgage, expanding our servicing platform and enhancing our origination capabilities.

•Announced a $2.5 billion strategic partnership, and received a $50 million equity investment from funds managed by Blue Owl, supporting continued growth initiatives.

•Paid off higher cost working capital facilities in August 2025 and completed the repurchase of Blackstone’s equity interest in Finance of America as of February 2026.

(1) See the sections titled “Reconciliation to GAAP” and “Non-GAAP Financial Measures” for reconciliations to the most directly comparable GAAP measures and other important disclosures.

(2) The financial information presented in the highlights is for the Company’s continuing operations.

Graham A. Fleming, Chief Executive Officer commented, “Finance of America delivered significant year over year growth in 2025, reflecting improved scalability across our platform and stronger conversion of volume into profitability. We believe demographic trends continue to support long-term demand for responsible home equity solutions. The progress we’ve made across our platform, products and capital structure have positioned FOA to build on this momentum in 2026 and beyond.”

1

(unaudited)

Fourth Quarter and Full Year Financial Summary of Continuing Operations

($ amounts in millions, except per share data) Variance (%)Variance (%)Variance (%)

Q4'25Q3'25Q4'25 vs Q3'25Q4'24Q4'25 vs Q4'24202520242025 vs 2024

Funded volume$619 $603 3 %$534 16 %$2,385 $1,918 24 %

Total revenues74 81 (9)%(49)251 %497 394 26 %

Total expenses and other, net96 109 (12)%96 — %384 351 9 %

Pre-tax income (loss) from continuing operations(22)(29)24 %(146)85 %113 43 163 %

Net income (loss) from continuing operations(21)(29)28 %(143)85 %110 40 175 %

Adjusted net income(1) 14 33 (58)%5 180 %74 14 429 %

Adjusted EBITDA(1) 28 55 (49)%18 56 %143 60 138 %

Basic earnings (loss) per share$(1.30)$(0.98)(33)%$(5.95)78 %$5.04 $1.78 183 %

Diluted earnings (loss) per share(2) $(1.30)$(1.22)(7)%$(5.95)78 %$3.94 $1.36 190 %

Adjusted earnings per share(1) $0.69 $1.33 (48)%$0.21 229 %$3.04 $0.60 407 %

(1) See the sections titled “Reconciliation to GAAP” and “Non-GAAP Financial Measures” for reconciliations to the most directly comparable GAAP measures and other important disclosures.

(2) Calculated using the treasury stock, if-converted, or two-class method, except when anti-dilutive.

Balance Sheet Highlights

($ amounts in millions)(1) December 31,December 31,Variance (%)

202520242025 vs 2024

Cash and cash equivalents$90 $47 91 %

Securitized loans held for investment (HMBS & nonrecourse)29,162 27,958 4 %

Total assets30,733 29,156 5 %

Total liabilities30,338 28,841 5 %

Total equity396 316 25 %

(1) Numbers may not foot due to rounding.

•As of December 31, 2025, the Company held $90 million in cash and cash equivalents, a 91% increase from December 31, 2024, maintaining strong liquidity through year-end.

•For the year, total equity increased from $316 million as of December 31, 2024 to $396 million as of December 31, 2025, driven by strong profitability and the $50 million preferred equity investment from funds managed by Blue Owl, partially offset by the $80 million repurchase of Blackstone’s equity interest.

2

(unaudited)

Segment Results

Retirement Solutions

The Retirement Solutions segment generates revenue f