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Onity Group (ONIT) investor relations material
Onity Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Achieved record origination volume of $12 billion, up 39% year-over-year, and steady servicing profitability, driving increased adjusted pre-tax income and book value growth.
Net income attributable to common stockholders was $18.7 million for Q3 2025, with diluted EPS of $2.03 and ROE of 14%.
Adjusted pre-tax income reached $31 million, with annualized adjusted ROE of 25% for the quarter and 20% year-to-date, exceeding guidance.
Technology and AI investments enhanced operational efficiency, customer experience, and recapture rates.
Balanced business model leverages both originations and servicing, supporting consistent profitability over 12 consecutive quarters.
Financial highlights
Q3 2025 adjusted pre-tax income: $31 million; GAAP net income: $17.7–$18.7 million; diluted EPS: $2.03; book value per share: $62–$62.21, up $2.71 year-over-year.
Total revenue was $280.3 million, up 14% sequentially and 12% year-over-year; servicing and subservicing fees reached $217.5 million.
Originations gain on sale was $30.7 million in Q3, with strong growth in both Consumer Direct and B2B channels.
Average servicing UPB was $311.5–$312 billion, up $7 billion year-over-year.
Available liquidity at quarter-end was $221 million.
Outlook and guidance
Expect to exceed full-year 2025 adjusted ROE guidance of 16–18%.
UPB growth for the full year now estimated at 5–10%, revised from prior guidance of 10%+.
Anticipates releasing a significant portion of $180 million deferred tax asset valuation allowance by year-end 2025.
No material financial impact expected from the removal of the Rithm sub-servicing portfolio in 2026.
Industry forecasts suggest a 16% increase in loan origination volume in 2026, with the 30-year fixed mortgage rate expected to remain around 6.2%.
What specific growth areas replace Rithm's loss?
Post-DTA release, what ROE target is realistic?
How does Onity harvest MSR value dynamically?
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Next Onity Group earnings date
BofA Securities Leveraged Finance Conference 20252 Dec, 2025
Next Onity Group earnings date
BofA Securities Leveraged Finance Conference 20252 Dec, 2025
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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.
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