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Foxo Technologies cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$293K in Q2 2026 · −$485K over twelve months

Operating cash flow$299K
Capital spending−$5K
Free cash flow+$293K
Cash / net income0.0×

Analysis

In Q2 2026, Foxo Technologies generated $299K of operating cash flow and spent $5K on capital projects, leaving free cash flow of $293K. That is $2.7M more than in Q2 2025 (−$2.4M).

Over the twelve months to Jun 30, 2026, operating cash flow was −$428K; the largest uses were other investing ($594K), operating cash flow ($428K), other financing ($345K); besides operations, cash came from net borrowing (+) / repaid (−) ($1.2M); the cash balance fell by $263K.

Operating cash flow was $299K against net income of $8.1M — 0.0× profit, less cash than reported earnings, worth checking against working capital. The largest differences: stock-based pay −$9.1M, accrued liabilities +$1.6M, payables +$400K.

Free cash flow

Foxo Technologies: free cash flow by quarterFoxo Technologies: free cash flow by quarter$577KQ3 2024−$1.8MQ4 2024−$1.3MQ1 2025−$2.4MQ2 2025−$45KQ3 2025−$104KQ4 2025−$582KQ1 2026$293KQ2 2026
Operating cash flow less capital spending.
Foxo Technologies: operating cash flow against capital spendingFoxo Technologies: operating cash flow against capital spendingOperating cash flowCapital spending$577K$0Q3 2024−$1.8M$0Q4 2024−$1.3M$0Q1 2025−$2.4M$0Q2 2025−$45K$0Q3 2025−$104K$0Q4 2025−$578K$4KQ1 2026$299K$5KQ2 2026
Latest (Q2 2026): Operating cash flow $299K, Capital spending $5K.

Capital allocation, year by year

Foxo Technologies: where the cash came from (up) and went (down), by fiscal yearFoxo Technologies: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsFY2021: Operating cash flow −$15.1MFY2021: Net borrowing $7.2MFY2021: Shares issued $3.8MFY2021: Capital spending −$118KFY2021: Acquisitions −$63K$11.0MFY2021FY2022: Operating cash flow −$23.8MFY2022: Net borrowing $54.8MFY2022: Shares issued −$30.6MFY2022: Capital spending −$110K$54.8MFY2022FY2023: Operating cash flow −$6.6MFY2023: Net borrowing $291K$291KFY2023FY2024: Operating cash flow −$2.8MFY2024: Net borrowing $3.5MFY2024: Shares issued $90KFY2024: Acquisitions $13K$3.6MFY2024FY2025: Operating cash flow −$3.9MFY2025: Net borrowing $2.2MFY2025: Shares issued $3.1MFY2025: Capital spending −$62KFY2025: Acquisitions −$494K$5.3MFY2025
Over these 5 years operating cash flow totalled −$52.2M; the largest uses were operating cash flow ($52.2M) and shares issued ($30.6M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$58K
Debtnone
Net cash$58K
Cash runway1 month

Foxo Technologies is burning cash: its operations consume cash, a free cash flow of −$485K a year at the current rate against $58K of cash and investments: a runway of about 1 month before any new financing.

Where the cash came from and went

Foxo Technologies: sources (+) and uses (−) of cash, Q2 2026Foxo Technologies: sources (+) and uses (−) of cash, Q2 2026Other financing−$301KOperating cash flow$299KCash drawn (+) / kept (−)$7KCapital spending−$5K
Foxo Technologies: sources (+) and uses (−) of cash, TTM to Q2 2026Foxo Technologies: sources (+) and uses (−) of cash, TTM to Q2 2026Net borrowing (+) / repaid (−)$1.2MOther investing−$594KOperating cash flow−$428KOther financing−$345KCash drawn (+) / kept (−)$263KCapital spending−$56K

From profit to cash

Foxo Technologies: net income to operating cash flow, Q2 2026Foxo Technologies: net income to operating cash flow, Q2 2026Net income$8.1MDepreciation & amortization$176KStock-based pay−$9.1MReceivables−$228KInventory$28KPayables$400KAccrued liabilities$1.6MPrepaid and other assets$4KOperating cash flow$299K
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026$299K−$5K———$7K$293K
Q1 2026−$578K−$4K—$854K—$142K−$582K
Q4 2025−$104K——−$100K—$421K−$104K
Q3 2025−$45K————−$307K−$45K
Q2 2025−$2.4M———$3.1M−$305K−$2.4M
Q1 2025−$1.3M——$274K$45K$51K−$1.3M
Q4 2024−$1.8M—−$336$2.4M—−$34K−$1.8M
Q3 2024$577K—$272K——−$1.8M$577K

Foxo Technologies: income statement and cash flow

Foxo Technologies, Q2 2026: revenue $4.7M (-10% year over year), operating margin 185.5%. The chart follows the revenue to costs, profit and cash.

Foxo Technologies: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.