Onity Group Inc.(US:ONIT)2026-01-26 12:38Financial Projections - Estimated net income attributable to common stockholders for Q4 2025 is projected to be between $107 million and $131 million, while the full-year 2025 estimate ranges from $166 million to $190 million [5]. - Diluted earnings per share for Q4 2025 is expected to be between $12.2 and $15.0, with the full-year 2025 estimate ranging from $19.3 to $22.1 [5]. - Adjusted pre-tax income (non-GAAP) for Q4 2025 is estimated at $7 million to $11 million, and for the full year 2025, it is projected to be between $80 million and $84 million [5]. Origination and Servicing Volumes - Total origination funded volume (UPB) for Q4 2025 is approximately $14 billion, while the full-year 2025 total is around $43 billion [5]. - Consumer Direct funded volume (UPB) for Q4 2025 is estimated at $800 million, with a full-year estimate of $1.9 billion [5]. - Total servicing average UPB is projected to be approximately $323 billion for Q4 2025 and $312 billion for the full year 2025 [5]. Capital and Liquidity - The company plans to issue an additional $150 million of 9.875% Senior Notes due 2029, which will form a single series with previously issued notes [12]. - Total available liquidity at the end of the period is projected to be $205 million [5]. Return on Equity and Debt Ratios - The adjusted return on equity (non-GAAP, annualized) is expected to be between 5% and 8% for Q4 2025, and between 16% and 17% for the full year 2025 [8]. - The debt to equity ratio (including MSR and corporate debt) is estimated to be between 2.7:1 and 2.6:1 for both Q4 2025 and the full year 2025 [5].