Finance of America Companies, Inc. (NYSE:FOA) Q2 2022 Earnings Conference Call August 4, 2022 5:00 PM ET Company Participants Michael Fant - Senior Vice President, Finance Graham Fleming - President and Interim Chief Executive Officer Johan Gericke - Chief Financial Officer Conference Call Participants Operator Good afternoon. My name is Chelsea, and I will be your conference operator today. At this time, I would like to welcome everyone to the Finance of America 2022 Second Quarter Earnings Call and Webcas ...

FINANCE of AME | --- | --- | |------------------------------------|-------| | | | | | | | Earnings Presentation \| Q2 2022 | | | | | | | | | August 2022 | | | ©2022 Finance of America Companies | | Disclaimer Forward-Looking Statements This presentation includes "forward-looking statements" within the meaning of the "safe harbor" provisions of the United States Private Securities Litigation Reform Act of 1995. The actual results of Finance of America Companies Inc., together with its subsidiaries and affili ...

FINANCE of AME | --- | --- | |------------------------------------|-------| | | | | | | | Earnings Presentation \| Q1 2022 | | | | | | | | | May 2022 | | | ©2022 Finance of America Companies | | Disclaimer Forward-Looking Statements This presentation includes "forward-looking statements" within the meaning of the "safe harbor" provisions of the United States Private Securities Litigation Reform Act of 1995. The actual results of Finance of America Companies Inc., together with its subsidiaries and affiliate ...

Finance Of America Companies, Inc. (NYSE:FOA) Q1 2022 Earnings Conference Call May 9, 2022 5:00 PM ET Company Participants Patty Cook – Chief Executive Officer Michael Fant – Senior Vice President of Finance Johan Gericke – Chief Financial Officer Conference Call Participants Douglas Harter – Credit Suisse Steven Laws – Raymond James Blake Netter – Morgan Stanley Operator Good afternoon. Thank you for attending today's Finance of America First-Quarter 2022 earnings call. My name is Hanna, and I will be your ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Exact name of registrant as specified in its charter) For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-40308 FINANCE OF AMERICA COMPANIES INC. 5830 Granite Parkway, Suite 400, Plano, Texas 75024 (Address of Principal Executive Offices) (Zip Code) (Mark One) ☒ ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the annual period ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-40308 FINANCE OF AMERICA COMPANIES INC. (Exact name of registrant as specified in its charter) (State or other ju ...

Finance Of America Companies Inc. (NYSE:FOA) Q4 2021 Earnings Conference Call March 3, 2022 8:00 AM ET Company Participants Michael Fant - Senior Vice President of Finance Patty Cook - Chief Executive Officer Johan Gericke - Chief Financial Officer Conference Call Participants Doug Harter - Credit Suisse Stephen Laws - Raymond James Sandy Beatty - Morgan Stanley Lee Cooperman - Omega Family Office Operator Hello and welcome to the Finance of America’s Fourth Quarter and Full Year 2021 Earnings Call. My name ...

Financial Performance & Impairment - Finance of America reported a net loss of $1336 million in Q4 2021, primarily due to a $1381 million impairment of goodwill and intangible assets[7, 8] - Excluding the impairment charge and related tax benefit, the company generated net income of $15 million for Q4 2021[7] - For the full year 2021, the company reported a net loss of $1177 million, also due to the impairment of goodwill and intangible assets[7, 10] - Adjusted Net Income for 2021 was $308 million, driven by 177% growth in Specialty Finance & Services (SF&S)[10] Segment Performance - SF&S segments accounted for 51% of total revenue in Q4 2021 and are expected to be the major driver of profitability in 2022[6] - The SF&S businesses demonstrated substantial growth, with a Compound Annual Growth Rate (CAGR) of 90% from 2019 to 2021[12] - Mortgage pre-tax income excluding impairment of goodwill and intangible assets was $(8) million in Q4 2021 and $96 million for the full year 2021[7] - SF&S pre-tax income excluding impairment of goodwill and intangible assets was $27 million in Q4 2021 and $89 million for the full year 2021[7] Strategic Priorities & Outlook - Management is focused on optimizing the Mortgage Originations segment, investing in high-growth businesses (Reverse, Commercial, Home Improvement, and Lender Services), and investing in technology and data[6] - Non-agency Mortgage volume grew 25% quarter over quarter, accounting for 18% of overall Mortgage volume in Q4 2021[8] - Q1 2022 projected revenue for Mortgage is $150-170 million with an Adjusted Net Income Margin of 0-2%, while SF&S is projected to have revenue of $230-250 million with an Adjusted Net Income Margin of 19-21%[24]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-40308 FINANCE OF AMERICA COMPANIES INC. (Exact name of registrant as specified in its charter) Delaware 85 ...

| --- | --- | |------------------------------------|-------| | | | | | | | Earnings Presentation \| Q3 2021 | | | | | | | | | November 2021 | | | ©2021 Finance of America Companies | | Disclaimer Forward-Looking Statements This presentation includes "forward-looking statements" within the meaning of the "safe harbor" provisions of the United States Private Securities Litigation Reform Act of 1995. The actual results of Finance of America Companies Inc., together with its subsidiaries and affiliates, "Financ ...