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FOXO Technologies Inc.(FOXO)Earnings, Financials & Key Ratios
FOXO•AMEX
Price updated Jun 19, 2026
AboutFOXO Technologies Inc., a technology platform company, focuses on commercializing longevity science through products and services that serve the life insurance industry. The company is developing products and services that combine longevity science with life insurance to support the consumer health and wellness engagement, and to simplify the consumer underwriting journey. It offers FOXO Labs, a services platform that integrates saliva-based epigenetic biomarkers into accelerated underwriting protocols to improve the customer underwriting journey; and FOXO Life, an insurance products platform that offers proprietary life insurance products and third-party life insurance carrier products based on bundling longevity science with life insurance. The company was founded in 2019 and is based in Minneapolis, Minnesota.Show more
- Revenue$16M+304.0%
- EBITDA-$10M-49.1%
- Net Income-$12M-0.2%
- EPS (Diluted)-0.13+86.0%
- Gross Margin49.12%+27.0%
- EBITDA Margin-59.46%+63.1%
- Operating Margin-63.11%+67.1%
- Net Margin-75.94%+75.2%
- ROE-152.07%+35.4%
FOXO Key Insights
FOXO Technologies Inc. (FOXO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y sales CAGR of 204.0%
- ✓Trading at only 0.0x book value
✗Weaknesses
- ✗Negative free cash flow
- ✗Weak momentum: RS Rating 16 (bottom 16%)
- ✗Low quality earnings: Net income not backed by cash flow
- ✗Shares diluted 100.0% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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FOXO Price & Volume
FOXO Technologies Inc. (FOXO) stock price & volume — 10-year historical chart
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FOXO Growth Metrics
FOXO Technologies Inc. (FOXO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years204.04%
3 Years217.58%
TTM154.57%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-15.17%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-3.01%
Return on Capital
10 Years-317.43%
5 Years-361.1%
3 Years-155.85%
Last Year-82.97%
FOXO Recent Earnings
FOXO Technologies Inc. (FOXO) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 15, 2026Metric
Actual
Est
EPS
$0.00
—
Rev
$5M
—
Q2 2026
Apr 15, 2026Metric
Actual
Est
EPS
$0.01
—
Rev
$4M
—
Q4 2025
Nov 17, 2025Metric
Actual
Est
EPS
$0.04
—
Rev
$4M
—
Q3 2025
Aug 22, 2025Metric
Actual
Est
EPS
$0.23
—
Rev
$5M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 15, 2026 | $0.00 | $5M |
| Q2 2026 | Apr 15, 2026 | $0.01 | $4M |
| Q4 2025 | Nov 17, 2025 | $0.04 | $4M |
| Q3 2025 | Aug 22, 2025 | $0.23 | $5M |
Based on last 12 quarters of dataView full earnings history →
FOXO Peer Comparison
FOXO Technologies Inc. (FOXO) competitors in Life Sciences and Precision Medicine Software — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 GOCO | 8.94M | 0.31 | -0.02 | -54.71% | -189.73% | -462.09% | ||
 SLQT | 174.25M | 0.99 | 74.32 | 15.5% | 4.45% | 12.16% | 0.72 | |
 HIFS | 628.22M | 284.65 | 11.50 | 8.92% | 23.04% | 11.96% | 3.05 | |
 LMND | 4.52B | 58.84 | -25.58 | 40.15% | -16.92% | -26.52% | 0.34 | |
 ROOT | 728.69M | 51.99 | 23.21 | 28.95% | 3.7% | 15.88% | 0.51 | |
 HIPO | 675.77M | 25.96 | 11.69 | 25.93% | 23.45% | 27.43% | 0.12 | |
 KINS | 235.38M | 16.25 | 5.64 | 28.39% | 14.91% | 0.11% | 0.04 | |
 CLOV | 2.59B | 5.00 | -29.41 | 40.34% | -2.58% | -17.08% |
Compare FOXO vs Peers
FOXO Technologies Inc. (FOXO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FOXO Income Statement
FOXO Technologies Inc. (FOXO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|
Sales/Revenue | 63K | 120K | 511K | 145.29K | 4.05M | 16.37M | 18.37M |
Revenue Growth % | - | 90.48% | 325.83% | -71.57% | 2688.61% | 303.98% | 154.57% |
Cost of Goods Sold | 0 | 0 | 344K | 132.43K | 2.48M | 8.33M | 8.96M |
COGS % of Revenue | - | - | 67.32% | 91.15% | 61.32% | 50.88% | - |
Gross Profit | 63K▲ 0% | 120K▲ 90.5% | 167K▲ 39.2% | 12.86K▼ 92.3% | 1.57M▲ 12084.1% | 8.04M▲ 412.9% | 9.41M▲ 0% |
Gross Margin % | 100% | 100% | 32.68% | 8.85% | 38.68% | 49.12% | 51.22% |
Gross Profit Growth % | - | 90.48% | 39.17% | -92.3% | 12084.09% | 412.94% | - |
Operating Expenses | 8.79M | 15.15M | 40.33M | 22.2M | 9.33M | 18.37M | 18.47M |
OpEx % of Revenue | 13957.14% | 12625.83% | 7893.15% | 15280.01% | 230.26% | 112.22% | - |
Selling, General & Admin | 6.89M | 10.27M | 25.83M | 19.4M | 7.17M | 11.36M | 11.47M |
SG&A % of Revenue | 10944.44% | 8560% | 5054.01% | 13352.24% | 176.94% | 69.4% | - |
Research & Development | 1.9M | 4.88M | 3.05M | 900.43K | 312.27K | 182.5K | 188.05K |
R&D % of Revenue | 3012.7% | 4065.83% | 596.28% | 619.74% | 7.71% | 1.11% | - |
Other Operating Expenses | 0 | 0 | 11.46M | 1.9M | 1.85M | 6.83M | 808.07K |
Operating Income | -8.73M▲ 0% | -15.03M▼ 72.2% | -40.17M▼ 167.2% | -22.19M▲ 44.8% | -7.76M▲ 65.0% | -10.33M▼ 33.1% | -9.06M▲ 0% |
Operating Margin % | -13857.14% | -12525.83% | -7860.47% | -15271.16% | -191.58% | -63.11% | -49.33% |
Operating Income Growth % | - | -72.18% | -167.23% | 44.76% | 65.02% | -33.08% | - |
EBITDA | -7.46M | -14.93M | -38.65M | -20.91M | -6.53M | -9.73M | -8.58M |
EBITDA Margin % | -11849.21% | -12444.17% | -7563.99% | -14390.92% | -161.09% | -59.46% | -46.7% |
EBITDA Growth % | - | -100.04% | -158.84% | 45.91% | 68.78% | -49.1% | -22.32% |
D&A (Non-Cash Add-back) | 1.26M | 98K | 1.51M | 1.28M | 1.24M | 597.43K | 482.44K |
EBIT | -8.73M | -37.37M | -93.81M | -25.39M | -8.51M | -9.2M | -9.95M |
Net Interest Income | 61K | -1.12M | -1.44M | -1.06M | -3.91M | -3.43M | -3.52M |
Interest Income | 61K | 0 | 0 | 0 | 0 | 0 | 0 |
Interest Expense | 0 | 1.12M | 1.44M | 1.06M | 3.91M | -3.43M | 368.6K |
Other Income/Expense | 77K | -23.46M | -55.09M | -4.26M | -4.66M | -2.3M | -4.41M |
Pretax Income | -8.65M▲ 0% | -38.49M▼ 344.8% | -95.25M▼ 147.5% | -26.45M▲ 72.2% | -12.42M▲ 53.0% | -12.63M▼ 1.7% | -13.46M▲ 0% |
Pretax Margin % | -13734.92% | -32073.33% | -18640.9% | -18205.21% | -306.57% | -77.16% | -73.31% |
Income Tax | 0 | 0 | 0 | 0 | 0 | -199.57K | -194.15K |
Effective Tax Rate % | 0% | 0% | 0% | 0% | 0% | 1.58% | 1.44% |
Net Income | -8.65M▲ 0% | -38.49M▼ 344.8% | -95.25M▼ 147.5% | -26.45M▲ 72.2% | -12.41M▲ 53.1% | -12.43M▼ 0.2% | -13.27M▲ 0% |
Net Margin % | -13734.92% | -32073.33% | -18640.9% | -18205.21% | -306.21% | -75.94% | -72.23% |
Net Income Growth % | - | -344.79% | -147.49% | 72.23% | 53.1% | -0.19% | -15.17% |
Net Income (Continuing) | -8.65M | -38.49M | -95.25M | -26.45M | -12.42M | -12.43M | -13.26M |
Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Minority Interest | 0 | 0 | 0 | 0 | -51.94K | -68.68K | -71.89K |
EPS (Diluted) | -43.27▲ 0% | -66.13▼ 52.9% | -84.00▼ 27.0% | -7.08▲ 91.6% | -0.93▲ 86.9% | -0.13▲ 86.0% | -0.00▲ 0% |
EPS Growth % | - | -52.85% | -27.02% | 91.58% | 86.86% | 86.02% | -3.01% |
EPS (Basic) | -43.27 | -66.13 | -84.00 | -7.08 | -0.93 | -0.13 | - |
Diluted Shares Outstanding | 200K | 582K | 1.13M | 4.22M | 14.61M | 264.78M | 3.11B |
Basic Shares Outstanding | 200K | 582K | 1.13M | 3.74M | 13.37M | 264.78M | 3.11B |
Dividend Payout Ratio | - | - | - | - | - | - | - |
FOXO Balance Sheet
FOXO Technologies Inc. (FOXO) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|
Total Current Assets | 8.59M | 7.62M | 12.3M | 233K | 2.88M | 3.11M | 4.49M |
Cash & Short-Term Investments | 8.12M | 6.86M | 5.51M | 38K | 68.27K | 207.45K | 65.9K |
Cash Only | 8.12M | 6.86M | 5.51M | 38K | 68.27K | 207.45K | 65.9K |
Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Receivable | 0 | 0 | 100K | 100K | 2.27M | 2.47M | 4.1M |
Days Sales Outstanding | - | - | 71.43 | 251.22 | 204.59 | 55.04 | 72.78 |
Inventory | 0 | 295K | 1.31M | 0 | 161.47K | 183.63K | 188.56K |
Days Inventory Outstanding | - | - | 1.39K | - | 23.72 | 8.05 | 5.56 |
Other Current Assets | 12K | 23K | 14K | 9K | 89.56K | 253.05K | 134.39K |
Total Non-Current Assets | 830K | 22.69M | 23.1M | 492K | 38.83M | 41.47M | 41.3M |
Property, Plant & Equipment | 167K | 187K | 0 | 0 | 4.35B | 3.87M | 3.73M |
Fixed Asset Turnover | 0.38x | 0.64x | - | - | 0.00x | 4.23x | 4.69x |
Goodwill | 0 | 0 | 0 | 0 | 25.46M | 27.82M | 27.79M |
Intangible Assets | 0 | 191K | 2.04M | 378K | 9.02M | 9.77M | 9.78M |
Long-Term Investments | 419K | 100K | 0 | 0 | 0 | 0 | 0 |
Other Non-Current Assets | 244K | 2.75M | 21.06M | 114K | -4.34B | 0 | 0 |
Total Assets | 9.42M▲ 0% | 30.3M▲ 221.6% | 35.41M▲ 16.8% | 725K▼ 98.0% | 41.71M▲ 5652.8% | 44.58M▲ 6.9% | 45.79M▲ 0% |
Asset Turnover | 0.01x | 0.00x | 0.01x | 0.20x | 0.10x | 0.37x | 0.38x |
Asset Growth % | - | 221.56% | 16.84% | -97.95% | 5652.84% | 6.88% | 662.58% |
Total Current Liabilities | 614K | 36.06M | 6.91M | 14.34M | 32.73M | 28.66M | 31.56M |
Accounts Payable | 366K | 3.46M | 3.47M | 4.56M | 6.68M | 6.97M | 7.48M |
Days Payables Outstanding | - | - | 3.68K | 12.56K | 981.02 | 305.29 | 287.58 |
Short-Term Debt | 0 | 32.2M | 1.41M | 4.2M | 10.22M | 7.79M | 9.14M |
Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Current Liabilities | 0 | 0 | 0 | 3.88M | 8.32M | 11.9M | 12.79M |
Current Ratio | 14.00x | 0.21x | 1.78x | 0.02x | 0.09x | 0.11x | 0.14x |
Quick Ratio | 14.00x | 0.20x | 1.59x | 0.02x | 0.08x | 0.10x | 0.14x |
Cash Conversion Cycle | - | - | -2.21K | - | -752.71 | -242.2 | -209.24 |
Total Non-Current Liabilities | 90K | 19.46M | 21.79M | 489K | 3.71M | 4.84M | 36.15M |
Long-Term Debt | 0 | 0 | 1.73M | 0 | 0 | 0 | 0 |
Capital Lease Obligations | 0 | 0 | 0 | 0 | 3.67M | 3.17M | 9.64M |
Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Current Liabilities | 90K | 12.42M | 20.06M | 489K | 41.25K | 1.67M | 33.12M |
Total Liabilities | 704K | 55.52M | 28.7M | 14.82M | 36.44M | 33.5M | 36.15M |
Total Debt | 0 | 32.2M | 3.14M | 4.2M | 14.25M | 10.97M | 12.17M |
Net Debt | -8.12M | 25.35M | -2.38M | 4.17M | 14.19M | 10.76M | 12.11M |
Debt / Equity | - | - | 0.47x | - | 2.70x | 0.99x | 1.26x |
Debt / EBITDA | - | - | - | - | - | - | -1.42x |
Net Debt / EBITDA | - | - | - | - | - | - | -1.41x |
Interest Coverage | - | -33.43x | -65.15x | -23.87x | -2.18x | -2.68x | -26.99x |
Total Equity | 8.72M▲ 0% | -25.22M▼ 389.2% | 6.71M▲ 126.6% | -14.1M▼ 310.2% | 5.27M▲ 137.4% | 11.08M▲ 110.1% | 9.64M▲ 0% |
Equity Growth % | - | -389.22% | 126.6% | -310.2% | 137.39% | 110.1% | 509.24% |
Book Value per Share | 43.60 | -43.33 | 5.92 | -3.34 | 0.36 | 0.04 | 0.00 |
Total Shareholders' Equity | 8.72M | -25.22M | 6.71M | -14.1M | 5.32M | 11.14M | 9.71M |
Common Stock | 0 | 0 | 3K | 1K | 2.36K | 249.57K | 373.27K |
Retained Earnings | -13.49M | -51.98M | -147.23M | -177.06M | -190.54M | -224.64M | -226.1M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Minority Interest | 0 | 0 | 0 | 0 | -51.94K | -68.68K | -71.89K |
FOXO Cash Flow Statement
FOXO Technologies Inc. (FOXO) cash flow — operating, investing & free cash flow history
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|
Cash from Operations | -481.43K | -15.05M | -23.76M | -6.64M | -2.84M | -3.87M | -3.11M |
Operating CF Margin % | -764.17% | -12545.83% | -4649.71% | -4573.58% | -70.11% | -23.61% | - |
Operating CF Growth % | - | -3027.17% | -57.82% | 72.03% | 57.25% | -36.07% | 144.08% |
Net Income | -1.78M | -38.49M | -95.25M | -26.45M | -12.42M | -12.45M | -13.27M |
Depreciation & Amortization | 0 | 98K | 1.51M | 1.28M | 1.24M | 597.43K | 188.89K |
Stock-Based Compensation | 0 | 131K | 11.04M | 381K | -101.73K | -164.21K | -257.4K |
Deferred Taxes | 0 | 400K | 0 | 0 | 0 | -182.83K | -182.83K |
Other Non-Cash Items | 1.75M | 22.23M | 62.3M | 10.13M | 5.67M | 8.1M | 10.23M |
Working Capital Changes | -443.18K | 572K | -3.35M | 8.02M | 2.78M | 229.45K | -300.72K |
Change in Receivables | 0 | -1.92M | 890K | 18.57M | 553.93K | 0 | 1.84M |
Change in Inventory | 0 | -295K | -1.02M | 1.31M | 40.27K | 0 | 3.03K |
Change in Payables | 0 | 3.09M | 127K | 1.3M | 1.16M | 0 | -372.1K |
Cash from Investing | -201.25M | -355K | -1.87M | 0 | 13.33K | -655.61K | -659.6K |
Capital Expenditures | 0 | -242K | -110K | 0 | 0 | -62.02K | -80.92K |
CapEx % of Revenue | 0.01% | 201.67% | 21.53% | - | - | 0.38% | 0.44% |
Acquisitions | 0 | -63K | 0 | 0 | 13.33K | 0 | -493.58K |
Investments | - | - | - | - | - | - | - |
Other Investing | 0 | -50K | -1.76M | 0 | 0 | -593.59K | -85.1K |
Cash from Financing | 203.2M | 14.14M | 24.29M | 1.17M | 2.86M | 4.66M | 3.81M |
Debt Issued (Net) | -141.13K | 10.5M | 30.3M | 291K | 2.81M | 1.56M | -332.04K |
Equity Issued (Net) | 203.29M | 0 | 0 | 1.18M | 89.92K | 3.1M | 0 |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Financing | 50K | 3.64M | -6.01M | -299K | -42K | 0 | 4.15M |
Net Change in Cash | 1.42M▲ 0% | -1.27M▼ 189.4% | -1.34M▼ 5.8% | -5.48M▼ 308.4% | 30.15K▲ 100.6% | 139.19K▲ 361.6% | 48.99K▲ 0% |
Free Cash Flow | -481.42K▲ 0% | -15.3M▼ 3077.5% | -25.63M▼ 67.5% | -6.64M▲ 74.1% | -2.84M▲ 57.3% | -3.93M▼ 38.2% | -2.47M▲ 0% |
FCF Margin % | -764.16% | -12747.5% | -5015.66% | -4573.58% | -70.11% | -23.99% | -13.46% |
FCF Growth % | - | -3077.47% | -67.55% | 74.07% | 57.25% | -38.25% | 34.45% |
FCF per Share | -2.41 | -26.28 | -22.60 | -1.58 | -0.19 | -0.01 | -0.00 |
FCF Conversion (FCF/Net Income) | 0.06x | 0.39x | 0.25x | 0.25x | 0.23x | 0.31x | 0.19x |
Interest Paid | 0 | 0 | 1.22M | 0 | 0 | 0 | 0 |
Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FOXO Key Ratios
FOXO Technologies Inc. (FOXO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|
Return on Equity (ROE) | - | -1420.02% | - | -235.33% | -152.07% | -97.32% |
Return on Invested Capital (ROIC) | -3114.16% | -1351.21% | - | -122.25% | -37.52% | -26.76% |
Gross Margin | 100% | 32.68% | 8.85% | 38.68% | 49.12% | 51.22% |
Net Margin | -32073.33% | -18640.9% | -18205.21% | -306.21% | -75.94% | -72.23% |
Debt / Equity | - | 0.47x | - | 2.70x | 0.99x | 1.26x |
Interest Coverage | -33.43x | -65.15x | -23.87x | -2.18x | -2.68x | -26.99x |
FCF Conversion | 0.39x | 0.25x | 0.25x | 0.23x | 0.31x | 0.19x |
Revenue Growth | 90.48% | 325.83% | -71.57% | 2688.61% | 303.98% | 154.57% |
Related:FOXO Dividend History·FOXO Revenue History·FOXO Price History·FOXO P/E History·FOXO Financial Ratios·FOXO Institutional Holders
FOXO SEC Filings & Documents
FOXO Technologies Inc. (FOXO) SEC filings — annual & quarterly reports (10-K, 10-Q)
FOXO Frequently Asked Questions
FOXO Technologies Inc. (FOXO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
FOXO Technologies Inc. (FOXO) reported $18.4M in revenue for fiscal year 2025. This represents a 29052% increase from $0.1M in 2020.
FOXO Technologies Inc. (FOXO) grew revenue by 304.0% over the past year. This is strong growth.
FOXO Technologies Inc. (FOXO) reported a net loss of $13.3M for fiscal year 2025.
Dividend & Returns
FOXO Technologies Inc. (FOXO) has a return on equity (ROE) of -152.1%. Negative ROE indicates the company is unprofitable.
FOXO Technologies Inc. (FOXO) had negative free cash flow of $2.5M in fiscal year 2025, likely due to heavy capital investments.