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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Onity Group
Onity Group (ONIT) investor relations material
Onity Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
Q3 returned to profitability: adjusted pre-tax income was $29.6M and adjusted ROE was 19.3%; net income attributable to common stockholders was $3.5M, or $0.41 diluted EPS.
Servicing strength offset weaker sequential Originations results amid rising rates and market volatility.
Financial highlights
Revenue was $278.1M; GAAP net income was $4.5M and reported pre-tax income was $9.3M.
Q3 results included an $11M unfavorable pre-tax impact, or $0.95 per share after tax, from volatility affecting hedge costs and Agency loan sales versus Q2.
Operating expenses were $117.9M, down from $139.0M in Q2 and $125.8M in Q3 2025.
Ending book value was $73.82 per share and available liquidity was $283.9M.
Outlook and guidance
FY2026 adjusted ROE guidance remains at the low end of 10%–15%; servicing UPB growth target is 5%–15%, with effective MSR hedging and maintained efficiency targeted.
Total operating expenses are targeted to decline by more than $50M, or ~10%, in 2027 versus projected 2026 expenses; most reductions are expected by the end of Q1.
Elevated rates are expected to make Servicing the principal earnings driver; Originations capacity is being adjusted for the rate environment.
MSR purchases and holdings will be selective, with capital directed toward assets expected to offer stronger returns.
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Latest events from Onity Group
- FY23 adjusted income rebounded as MSR valuation effects drove a GAAP loss.ONIT
Q4 2023 - Double-digit revenue and origination growth offset by restructuring-driven net loss.ONITQ2 2026
- Profitable growth, AI-driven efficiency, and capital redeployment amid rate volatility.ONITSidoti Small-Cap Virtual Investor Conference
- All proposals passed, including director elections and auditor ratification for 2026.ONITAGM 2026
- Double-digit growth in revenue and originations, but profitability pressured by volatility.ONITQ1 2026
- Proxy covers director elections, auditor ratification, pay, and strong governance and ESG focus.ONITProxy filing
- Q3 2025 saw record $12B originations, 25% adjusted ROE, and strong servicing growth.ONITQ3 2025
- Q1 2025 saw 22% adjusted ROE, $25M adjusted pre-tax income, and strong servicing growth.ONITQ1 2025
- Record net income, robust servicing and originations, and higher 2025 ROE guidance after debt reduction.ONITQ4 2024
Next Onity Group earnings date
Investor Day 202619 Nov, 2026
Onity Group
Next Onity Group earnings date
Investor Day 202619 Nov, 2026
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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.