Onity Group
Logotype for Onity Group Inc

Onity Group (ONIT) investor relations material

Onity Group Q4 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Onity Group Inc
Q4 2025 earnings summary12 Feb, 2026

Executive summary

  • Achieved record net income of $185 million and diluted EPS of $21.46 for FY 2025, with Q4 net income of $126 million and EPS of $14.24, driven by strong originations, balanced execution, and effective MSR hedging.

  • Released $120 million deferred tax valuation allowance, significantly increasing book value per share and equity.

  • Maintained 13 consecutive quarters of positive adjusted pre-tax income, demonstrating consistent profitability.

  • Announced a $10 million share repurchase program and continued business simplification, including the sale of reverse assets.

  • Continued investment in technology, AI, and process optimization to enhance customer experience and operational efficiency.

Financial highlights

  • Total GAAP revenue increased 9% to $1.1 billion year-over-year; Q4 revenue up 25% year-over-year and 6% sequentially.

  • Adjusted revenue up 11% YoY to $993 million in FY 2025.

  • Book value per share rose to $74 at Q4 2025, up over $17 year-over-year.

  • Adjusted pre-tax income for FY 2025 was $82 million; Q4 2025 adjusted pre-tax income was $8.8 million.

  • Originations volume up 44% year-over-year, outpacing industry growth of 18%.

Outlook and guidance

  • 2026 adjusted ROE guidance is 13%-15% (16%-18% excluding valuation allowance release).

  • Servicing UPB growth expected between 5%-15% in 2026, despite non-renewal of the Rithm contract.

  • Effective tax rate for 2026 expected to be 28%-30%.

  • Anticipates continued strong MSR hedge effectiveness and expense control aligned with revenue growth.

  • Raised new capital to support growth and deleveraging.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Onity Group earnings date

Logotype for Onity Group Inc
Q1 202629 Apr, 2026
Onity Group
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Onity Group earnings date

Logotype for Onity Group Inc
Q1 202629 Apr, 2026

The essential earnings season companion

The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Onity Group Inc. is a non-bank mortgage servicer and originator offering solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage. The company provides services across the entire mortgage lifecycle, including loan servicing and origination, catering to homeowners, investors, and financial institutions. Onity operates in the United States, the U.S. Virgin Islands, India, and the Philippines, delivering a range of mortgage-related services. The company is headquartered in West Palm Beach, Florida, and its shares are listed on the NYSE.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage