"Adjusted EBITDA totaled $143 million, a 138% increase from 2024. This was a reflection of improved earnings quality and the benefits of scale across the company's platform. Funded loan volume totaled $2.4 billion in 2025, a 24% increase from 2024, with fourth-quarter funded volume reaching $619 million, up 16% from the same period a year earlier."
"Revenue in the company's retirement solutions segment, its primary business, rose 23% year over year to $253 million as origination activity increased. Pretax income in the segment climbed to $46 million, up from $11 million in 2024. Demographic trends continue to support long-term demand for home equity-based lending solutions."
"FOA's investments in technology and artificial intelligence are beginning to drive stronger operating performance. The company has embedded AI tools across its customer acquisition process, including a virtual assistant called Joy, which is delivering more than five times the conversion performance of its previous third-party call-center model."
"Digital engagement has increased significantly, with prequalification activity doubling in early 2026 compared with 2025 levels, while reverse mortgage-related search activity online has been trending about 40% higher year over year."
Finance of America reported strong 2025 financial performance with adjusted EBITDA reaching $143 million, a 138% increase from 2024. Funded loan volume grew 24% to $2.4 billion, with fourth-quarter volume up 16% year-over-year to $619 million. The retirement solutions segment, the company's primary business, generated $253 million in revenue, up 23%, with pretax income climbing to $46 million from $11 million. Total company revenue increased 26% to $497 million. The company secured a $50 million equity investment from Blue Owl Capital and agreed to acquire a reverse mortgage servicing portfolio from PHH Mortgage. AI investments, including a virtual assistant called Joy, delivered five times higher conversion performance than previous models, while digital prequalification activity doubled and reverse mortgage search activity increased 40% year-over-year.
#financial-performance #artificial-intelligence #reverse-mortgage-lending #digital-transformation #earnings-growth
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