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Two Harbors Investment (TWO) investor relations material
Two Harbors Investment Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Book value per share fell to $12.14 at June 30, 2025, down from $14.66 in Q1, mainly due to a $199.9M litigation accrual and mark-to-market losses.
Comprehensive loss for Q2 2025 was $221.8M ($2.13/share), primarily from the litigation accrual.
Economic return on book value was (14.5)% for Q2, or (1.4)% excluding the litigation accrual.
Declared a $0.39 dividend per share for Q2 2025.
Technology and AI investments are underway to drive efficiency and improve customer experience.
Financial highlights
Investment portfolio totaled $14.4B at quarter-end, with $11.4B in Agency RMBS/MSR and $3.0B in net TBA positions.
Net interest and servicing income rose, driven by Agency RMBS and higher float income, but offset by lower servicing fee income and higher financing costs.
Mark-to-market losses on MSR, swaps, TBAs, and futures were partially offset by positive Agency RMBS performance.
Earnings available for distribution were $29.5M ($0.28/share) for Q2 2025.
Economic debt-to-equity ratio was 7.0x at quarter-end.
Outlook and guidance
Prospective quarterly static return per share projected at $0.28–$0.46.
Management expects stable returns from MSR and Agency RMBS, citing wide spreads and slow prepayments.
The company plans to maintain moderate leverage and strong liquidity amid ongoing market volatility.
July quarter-to-date economic return up 1.5% on new book value.
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Next Two Harbors Investment earnings date
Q3 202528 Oct, 2025
Next Two Harbors Investment earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Two Harbors Investment Corp. is a real estate investment trust (REIT) focused on investing in residential mortgage-backed securities (RMBS) and other related assets. The company’s portfolio primarily includes agency RMBS, non-agency securities, mortgage servicing rights (MSRs), and other financial assets linked to residential real estate. The company is headquartered in St. Louis Park, Minnesota, and its shares are listed on the NYSE.
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