What is FOXO TECHNOLOGIES's earnings per share (EPS)?

FOXO TECHNOLOGIES (FOXO) reported diluted earnings per share of $-0.13 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

FOXO TECHNOLOGIES Financials

FOXO

Source SEC Filings (10-K/10-Q) Updated Apr 15, 2026 Currency USD FYE April

This page shows FOXO TECHNOLOGIES (FOXO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 23/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of FOXO TECHNOLOGIES's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

FOXO TECHNOLOGIES has an operating margin of -64.2%, meaning the company retains $-64 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is up from -191.6% the prior year.

Growth

100

FOXO TECHNOLOGIES's revenue surged 297.0% year-over-year to $16.1M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

FOXO TECHNOLOGIES has a moderate D/E ratio of 3.01. This balance of debt and equity financing earns a leverage score of 41/100.

Liquidity

FOXO TECHNOLOGIES's current ratio of 0.11 is below the typical benchmark, resulting in a score of 0/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Cash Flow

While FOXO TECHNOLOGIES generated -$3.9M in operating cash flow, capex of $62K consumed most of it, leaving -$3.9M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.

Returns

FOXO TECHNOLOGIES generates a -111.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is up from -233.0% the prior year.

Piotroski F-Score Neutral

4/9

FOXO TECHNOLOGIES passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Low Quality

0.31x

For every $1 of reported earnings, FOXO TECHNOLOGIES generates $0.31 in operating cash flow (-$3.9M OCF vs -$12.4M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage At Risk

-9.4x

FOXO TECHNOLOGIES earns $-9.4 in operating income for every $1 of interest expense (-$10.3M vs $1.1M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$16.1M

YoY+297.0%

FOXO TECHNOLOGIES generated $16.1M in revenue in fiscal year 2025. This represents an increase of 297.0% from the prior year.

EBITDA

-$9.7M

YoY-49.1%

FOXO TECHNOLOGIES's EBITDA was -$9.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 49.1% from the prior year.

Net Income

-$12.4M

YoY-0.2%

FOXO TECHNOLOGIES reported -$12.4M in net income in fiscal year 2025. This represents a decrease of 0.2% from the prior year.

EPS (Diluted)

$-0.13

FOXO TECHNOLOGIES earned $-0.13 per diluted share (EPS) in fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

-$3.9M

FOXO TECHNOLOGIES generated -$3.9M in free cash flow in fiscal year 2025, representing cash available after capex.

Cash & Debt

$207K

YoY+203.9%

FOXO TECHNOLOGIES held $207K in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

3.73B

YoY+21258.1%

FOXO TECHNOLOGIES had 3.73B shares outstanding in fiscal year 2025. This represents an increase of 21258.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

-64.2%

YoY+127.4pp

FOXO TECHNOLOGIES's operating margin was -64.2% in fiscal year 2025, reflecting core business profitability. This is up 127.4 percentage points from the prior year.

Net Margin

-77.3%

YoY+228.9pp

FOXO TECHNOLOGIES's net profit margin was -77.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 228.9 percentage points from the prior year.

Return on Equity

-111.5%

YoY+121.5pp

FOXO TECHNOLOGIES's ROE was -111.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 121.5 percentage points from the prior year.

Capital Allocation

R&D Spending

$182K

YoY-41.6%

FOXO TECHNOLOGIES invested $182K in research and development in fiscal year 2025. This represents a decrease of 41.6% from the prior year.

Share Buybacks

N/A

Capital Expenditures

$62K

FOXO TECHNOLOGIES invested $62K in capex in fiscal year 2025, funding long-term assets and infrastructure.

FOXO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21
Revenue	$16.1M+297.0%	$4.1M+2688.6%	$145K-71.6%	$511K+325.8%	$120K
Cost of Revenue	N/A	N/A	$132K-61.6%	$344K+186.7%	$120K
Gross Profit	N/A	N/A	$13K-92.2%	$167K+39.2%	$120K
R&D Expenses	$182K-41.6%	$312K-65.3%	$900K-70.4%	$3.0M-37.5%	$4.9M
SG&A Expenses	$11.4M+57.2%	$7.2M-62.8%	$19.4M-24.9%	$25.8M+151.4%	$10.3M
Operating Income	-$10.3M-33.1%	-$7.8M+65.0%	-$22.2M+44.8%	-$40.2M-167.2%	-$15.0M
Interest Expense	$1.1M-71.9%	$3.9M+267.6%	$1.1M-26.1%	$1.4M+28.8%	$1.1M
Income Tax	-$183K	N/A	N/A	N/A	N/A
Net Income	-$12.4M-0.2%	-$12.4M+53.1%	-$26.5M+72.2%	-$95.3M-147.5%	-$38.5M
EPS (Diluted)	$-0.13	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$3.5M-32.0%	$5.2M+64.6%	$3.2M+12.4%	$2.8M+135.7%	$1.2M+4255.2%	$27K+282.6%	$7K-93.5%	$110K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$37K
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$73K
R&D Expenses	$77K+91.9%	$40K+33.9%	$30K	$0-100.0%	$44K-57.5%	$103K-37.7%	$165K+773.0%	-$25K
SG&A Expenses	$2.5M-5.4%	$2.6M-5.3%	$2.8M-8.8%	$3.0M+74.8%	$1.7M+17.6%	$1.5M+49.2%	$988K-77.3%	$4.3M
Operating Income	-$860K-251.6%	$567K+136.7%	-$1.5M+61.2%	-$4.0M-296.7%	-$1.0M+36.8%	-$1.6M-34.9%	-$1.2M+68.0%	-$3.7M
Interest Expense	$934K-7.4%	$1.0M+13.4%	$890K-62.5%	$2.4M+147.8%	$957K+76.8%	$541K+1188.6%	$42K-78.9%	$199K
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	-$1.9M-259.4%	-$522K+15.3%	-$616K+90.9%	-$6.8M-249.0%	-$1.9M+10.0%	-$2.2M-43.8%	-$1.5M+61.0%	-$3.9M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FOXO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21
Total Assets	$44.6M+6.9%	$41.7M+5647.7%	$726K-98.0%	$35.4M+16.8%	$30.3M
Current Assets	$3.1M+8.0%	$2.9M+1132.7%	$234K-98.1%	$12.3M+61.5%	$7.6M
Cash & Equivalents	$207K+203.9%	$68K+79.1%	$38K-99.3%	$5.5M-19.6%	$6.9M
Inventory	$184K	N/A	N/A	$1.3M+345.1%	$295K
Accounts Receivable	$2.5M+8.7%	$2.3M	N/A	N/A	N/A
Goodwill	$27.8M+9.3%	$25.5M	N/A	N/A	N/A
Total Liabilities	$33.5M-8.1%	$36.4M+145.8%	$14.8M-48.3%	$28.7M-48.3%	$55.5M
Current Liabilities	$28.7M-12.4%	$32.7M+128.3%	$14.3M+107.4%	$6.9M-80.8%	$36.1M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$11.1M+109.3%	$5.3M+137.8%	-$14.1M-310.2%	$6.7M+126.6%	-$25.2M
Retained Earnings	-$224.6M-17.9%	-$190.5M-7.6%	-$177.1M-20.3%	-$147.2M-183.3%	-$52.0M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$52.1M+4.1%	$50.0M+6.4%	$47.0M+12.7%	$41.7M-2.3%	$42.7M+517.9%	$6.9M+130.7%	$3.0M+312.6%	$726K
Current Assets	$4.2M-26.0%	$5.6M+76.2%	$3.2M+10.9%	$2.9M-1.0%	$2.9M+494.9%	$489K+86.6%	$262K+12.1%	$234K
Cash & Equivalents	$629K+95.3%	$322K+1803.3%	$17K-75.2%	$68K+100.8%	$34K+3.0%	$33K+1000.0%	$3K-92.1%	$38K
Inventory	$8K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$3.2M-35.8%	$4.9M+85.4%	$2.7M+16.9%	$2.3M+13.5%	$2.0M+625.0%	$276K	N/A	N/A
Goodwill	$34.8M+11.3%	$31.3M+2.3%	$30.6M+20.2%	$25.5M-23.2%	$33.2M+1299.7%	$2.4M	N/A	N/A
Total Liabilities	$32.0M-12.1%	$36.3M-2.7%	$37.4M+2.5%	$36.4M-39.5%	$60.2M+161.0%	$23.1M+28.7%	$17.9M+20.9%	$14.8M
Current Liabilities	$28.6M-12.9%	$32.9M-2.6%	$33.8M+3.2%	$32.7M-4.7%	$34.3M+61.2%	$21.3M+24.8%	$17.1M+19.1%	$14.3M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$20.2M+47.0%	$13.7M+41.5%	$9.7M+82.4%	$5.3M+130.4%	-$17.5M-8.6%	-$16.1M-8.0%	-$14.9M-5.9%	-$14.1M
Retained Earnings	-$206.3M-7.4%	-$192.1M-0.4%	-$191.3M-0.4%	-$190.5M-3.7%	-$183.7M-1.1%	-$181.7M-1.4%	-$179.2M-1.2%	-$177.1M

FOXO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	-$3.9M-36.1%	-$2.8M+57.3%	-$6.6M+72.0%	-$23.8M-57.8%	-$15.1M
Capital Expenditures	$62K	N/A	N/A	$110K-6.8%	$118K
Free Cash Flow	-$3.9M	N/A	N/A	-$23.9M-57.3%	-$15.2M
Investing Cash Flow	-$656K-5018.6%	$13K	N/A	-$1.9M-426.8%	-$355K
Financing Cash Flow	$4.7M+63.1%	$2.9M+144.7%	$1.2M-95.2%	$24.3M+71.7%	$14.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$45K+98.1%	-$2.4M-77.8%	-$1.3M+27.5%	-$1.8M-419.8%	$577K+149.5%	-$1.2M-186.8%	-$406K+15.4%	-$480K
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$622K	N/A	N/A	-$336-100.1%	$272K-85.4%	$1.9M+187.8%	-$2.1M	N/A
Financing Cash Flow	$974K-63.9%	$2.7M+109.8%	$1.3M-31.6%	$1.9M+321.8%	-$848K-158.3%	$1.5M+292.3%	$371K-22.0%	$476K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FOXO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	8.9%-23.7pp	32.7%-67.3pp	100.0%
Operating Margin	-64.2%+127.4pp	-191.6%+15079.6pp	-15271.2%-7410.7pp	-7860.5%+4665.4pp	-12525.8%
Net Margin	-77.3%+228.9pp	-306.2%+17899.0pp	-18205.2%+435.7pp	-18640.9%+13432.4pp	-32073.3%
Return on Equity	-111.5%+121.5pp	-233.0%	N/A	-1420.0%	N/A
Return on Assets	-27.9%+1.9pp	-29.8%+3615.3pp	-3645.1%-3376.1pp	-269.0%-142.0pp	-127.0%
Current Ratio	0.11+0.0	0.09+0.1	0.02-1.8	1.78+1.6	0.21
Debt-to-Equity	3.01-3.8	6.84+7.9	-1.05-5.3	4.28+6.5	-2.20
FCF Margin	-24.4%	N/A	N/A	-4671.2%+7972.9pp	-12644.2%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	66.2%
Operating Margin	-24.2%-35.1pp	10.9%+59.7pp	-48.8%+92.6pp	-141.4%-57.4pp	-84.0%+5701.7pp	-5785.7%+10630.3pp	-16416.0%-13076.1pp	-3339.9%
Net Margin	-52.9%-42.9pp	-10.0%+9.4pp	-19.4%+221.4pp	-240.9%-78.2pp	-162.7%+7710.1pp	-7872.7%+13074.2pp	-20946.9%-17448.4pp	-3498.5%
Return on Equity	-9.3%-5.5pp	-3.8%+2.6pp	-6.3%+121.3pp	-127.6%	N/A	N/A	N/A	N/A
Return on Assets	-3.6%-2.6pp	-1.0%+0.3pp	-1.3%+15.0pp	-16.3%-11.7pp	-4.6%+26.8pp	-31.3%+18.9pp	-50.2%+481.5pp	-531.7%
Current Ratio	0.15-0.0	0.17+0.1	0.090.0	0.090.0	0.08+0.1	0.020.0	0.020.0	0.02
Debt-to-Equity	1.58-1.1	2.65-1.2	3.85-3.0	6.84+10.3	-3.44-2.0	-1.43-0.2	-1.20-0.1	-1.05
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Note: The current ratio is below 1.0 (0.11), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

What is FOXO TECHNOLOGIES's annual revenue?

FOXO TECHNOLOGIES (FOXO) reported $16.1M in total revenue for fiscal year 2025. This represents a 297.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is FOXO TECHNOLOGIES's revenue growing?

FOXO TECHNOLOGIES (FOXO) revenue grew by 297% year-over-year, from $4.1M to $16.1M in fiscal year 2025.

Is FOXO TECHNOLOGIES profitable?

No, FOXO TECHNOLOGIES (FOXO) reported a net income of -$12.4M in fiscal year 2025, with a net profit margin of -77.3%.

What is FOXO TECHNOLOGIES's EBITDA?

FOXO TECHNOLOGIES (FOXO) had EBITDA of -$9.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is FOXO TECHNOLOGIES's operating margin?

FOXO TECHNOLOGIES (FOXO) had an operating margin of -64.2% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is FOXO TECHNOLOGIES's net profit margin?

FOXO TECHNOLOGIES (FOXO) had a net profit margin of -77.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is FOXO TECHNOLOGIES's return on equity (ROE)?

FOXO TECHNOLOGIES (FOXO) has a return on equity of -111.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is FOXO TECHNOLOGIES's free cash flow?

FOXO TECHNOLOGIES (FOXO) generated -$3.9M in free cash flow during fiscal year 2025. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is FOXO TECHNOLOGIES's operating cash flow?

FOXO TECHNOLOGIES (FOXO) generated -$3.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are FOXO TECHNOLOGIES's total assets?

FOXO TECHNOLOGIES (FOXO) had $44.6M in total assets as of fiscal year 2025, including both current and long-term assets.

What are FOXO TECHNOLOGIES's capital expenditures?

FOXO TECHNOLOGIES (FOXO) invested $62K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does FOXO TECHNOLOGIES spend on research and development?

FOXO TECHNOLOGIES (FOXO) invested $182K in research and development during fiscal year 2025.

How many shares does FOXO TECHNOLOGIES have outstanding?

FOXO TECHNOLOGIES (FOXO) had 3.73B shares outstanding as of fiscal year 2025.

What is FOXO TECHNOLOGIES's current ratio?

FOXO TECHNOLOGIES (FOXO) had a current ratio of 0.11 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

What is FOXO TECHNOLOGIES's debt-to-equity ratio?

FOXO TECHNOLOGIES (FOXO) had a debt-to-equity ratio of 3.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is FOXO TECHNOLOGIES's return on assets (ROA)?

FOXO TECHNOLOGIES (FOXO) had a return on assets of -27.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is FOXO TECHNOLOGIES's cash runway?

Based on fiscal year 2025 data, FOXO TECHNOLOGIES (FOXO) had $207K in cash against an annual operating cash burn of $3.9M. This gives an estimated cash runway of approximately 1 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is FOXO TECHNOLOGIES's Piotroski F-Score?

FOXO TECHNOLOGIES (FOXO) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are FOXO TECHNOLOGIES's earnings high quality?

FOXO TECHNOLOGIES (FOXO) has an earnings quality ratio of 0.31x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can FOXO TECHNOLOGIES cover its interest payments?

FOXO TECHNOLOGIES (FOXO) has an interest coverage ratio of -9.4x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is FOXO TECHNOLOGIES?

FOXO TECHNOLOGIES (FOXO) scores 23 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.