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Onity Group (ONIT) investor relations material
Onity Group Small-Cap Virtual Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Small-Cap Virtual Conference summary17 Sep, 2025
Business overview and strategy
Operates as a non-bank mortgage servicer and originator with a balanced business model responsive to interest rate changes.
Services $307 billion in unpaid principal balance, split between owned servicing and subservicing.
Pursues capital-light growth by partnering with capital providers to scale without overextending capital.
Focuses on accelerating growth, improving recapture rates, and leveraging technology for operational efficiency.
Maintains a strong customer experience for both retail and B2B clients.
Market position and financial performance
Ranks as a top ten correspondent lender and a significant player in reverse originations among non-banks.
Achieved an adjusted ROE of 18% year-to-date, with guidance of 16–18%.
Trades at a 65–70% discount to book value, presenting a value opportunity compared to peers.
Profitability and cost structure are competitive with larger industry players.
2024 marked record profitability, with improvements in recapture and hedging effectiveness.
Technology and operational improvements
Implements robotics, machine learning, and generative AI to enhance efficiency and customer engagement.
Uses technology like Lassie 2.0 for B2B data automation and predictive analytics for delinquency management.
Technology investments have replaced over 50,000 monthly people hours in five years.
Consistently wins industry awards for servicing quality and technology innovation.
Maintains high net promoter scores for both retail and B2B clients.
Balance sheet complexities impacting valuation?
M&A impact on subservicing client acquisition?
How does AI/ML enhance recapture rates?
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Next Onity Group earnings date
Q3 20254 Nov, 2025
Next Onity Group earnings date
Q3 20254 Nov, 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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