Core Insights - Onity Group Inc. reported record net income and earnings per share (EPS) for the full year 2025, with a net income of $185 million and diluted EPS of $21.46, reflecting a strong financial performance [6][8] - The company achieved a book value per share of $74, an increase of $17 year-over-year, indicating solid growth in shareholder equity [6][8] - A new $10 million share repurchase program was announced, demonstrating the company's confidence in its future prospects [6][11] Full Year 2025 Highlights - Total GAAP revenue increased by 9% to $1.1 billion compared to FY 2024 [8] - Net income attributable to common stockholders was $185 million, with an adjusted return on equity (ROE) of 17% [8][28] - The company reported $85 billion in total servicing additions, including $45 billion in subservicing additions [8] Fourth Quarter 2025 Highlights - Net income attributable to common stockholders for Q4 2025 was $126 million, with a diluted EPS of $14.24 [8] - The company experienced a funded recapture volume increase of 2.1 times compared to FY 2024 [9] - Total servicing unpaid principal balance (UPB) grew by $26 billion to $328 billion as of December 31, 2025 [9] 2026 Outlook - The company plans to simplify its business model and invest in innovation while continuing to support growth and deleveraging [6] - Adjusted ROE guidance for 2026 is projected to be in the range of 13% to 15%, with a potential increase to 16% to 18% without the release of the deferred tax valuation allowance [8] - The company aims to accelerate profitable growth and create long-term value for stakeholders [6]

Core Viewpoint - Onity Group Inc. will hold a conference call on February 12, 2026, to discuss its fourth quarter and full year 2025 operating results [1]. Group 1: Conference Call Details - The conference call is scheduled for 8:30 a.m. (ET) and interested parties can participate by dialing (800) 267-6316 or (203) 518-9783 [2]. - A live audio webcast will also be available on the Shareholder Relations page of Onity's website [2]. - An investor presentation will accompany the call and will be accessible prior to the call on the Shareholder Relations page [3]. Group 2: Financial Results - Preliminary financial results for the fourth quarter and full year 2025 were disclosed on January 26, 2026, and can be found on the Shareholder Relations page under SEC Filings [4]. Group 3: Company Overview - Onity Group Inc. is a leading non-bank financial services company specializing in mortgage servicing and originations through its brands, PHH Mortgage and Liberty Reverse Mortgage [5]. - PHH Mortgage is one of the largest servicers in the U.S., offering various servicing and lending programs [5]. - Liberty Reverse Mortgage is among the largest reverse mortgage lenders in the nation, focusing on loans that assist customers with personal and financial needs [5].

Core Viewpoint - Onity Group Inc. announced the pricing of its 9.875% Senior Notes due 2029, totaling $200 million, with an effective yield of 8.515% per annum, expected to close on January 30, 2026 [1][3]. Group 1: Offering Details - The offering consists of an additional issuance of the 9.875% Senior Notes due 2029, which will combine with the previously issued $500 million of the same notes from November 6, 2024 [2]. - The Senior Notes are guaranteed on a senior secured basis by Onity and certain subsidiaries, including PHH Mortgage Corporation and PHH Asset Services LLC [2]. Group 2: Use of Proceeds - The net proceeds from the offering will be allocated for general corporate purposes, specifically for repaying mortgage servicing rights (MSR) indebtedness [3]. Group 3: Regulatory Compliance - The PHH Senior Notes are being offered only to qualified institutional buyers under Rule 144A and to non-U.S. persons outside the United States in compliance with Regulation S of the Securities Act [4]. Group 4: Company Overview - Onity Group Inc. is a leading non-bank financial services company specializing in mortgage servicing and originations, with significant operations in the U.S., U.S. Virgin Islands, India, and the Philippines [6].

Core Viewpoint - Onity Group Inc. will present at the Bank of America Leveraged Finance Conference on December 2, 2025, led by Executive Vice President and CFO Sean O'Neil [1][2]. Company Overview - Onity Group Inc. is a prominent non-bank financial services company specializing in mortgage servicing and originations, operating under the brands PHH Mortgage and Liberty Reverse Mortgage [3]. - PHH Mortgage is recognized as one of the largest servicers in the United States, offering a range of servicing and lending programs to both consumers and business clients [3]. - Liberty Reverse Mortgage is among the largest reverse mortgage lenders in the nation, focusing on loans that assist customers in fulfilling their personal and financial needs [3]. - The company is headquartered in West Palm Beach, Florida, with operations extending to the U.S. Virgin Islands, India, and the Philippines, and has been in service since 1988 [3].

Core Insights - Onity Group Inc. reported exceptional performance in Q3 2025, with record originations and robust servicing earnings, driven by a multi-channel strategy and technological advancements [4][7]. Financial Performance - Net income attributable to common stockholders was $18 million, with diluted EPS of $2.03 and an ROE of 14% [7]. - Adjusted pre-tax income was $31 million, leading to an annualized adjusted ROE of 25% [7]. - Book value per share increased to $62, up $2.71 year-over-year [7]. - Originations volume reached $12 billion, a 39% increase year-over-year, surpassing the industry growth rate [7]. - Average servicing UPB rose to $312 billion, an increase of $7 billion year-over-year [7]. Business Highlights - Funded recapture volume increased 1.8 times year-over-year, with a year-to-date refinance recapture rate of 1.9 times the industry average [8]. - The company added 9 new subservicing clients year-to-date [8]. - Commercial servicing UPB grew by 32% year-over-year [8]. - Average owned servicing UPB was $159 billion, up 21% year-over-year [8]. - Total liquidity stood at $221 million as of September 30, 2025 [8]. Rithm Subservicing Agreements Update - Rithm Capital Corp. will not renew its subservicing agreements effective January 31, 2026, which represented approximately $33 billion, or 10%, of Onity's total servicing UPB as of September 30, 2025 [6]. - The company does not anticipate a material financial impact from this termination for the full year of 2026 [6]. - The Rithm portfolio was primarily composed of pre-2008 subprime loans and was one of the least profitable portfolios in Onity's servicing business [9]. Future Outlook - The company expects to exceed its adjusted ROE guidance for 2025, which is set between 16% and 18% [7]. - Onity plans to release a significant portion of a $180 million deferred tax asset valuation allowance by year-end 2025 [7].

Core Points - Onity Group Inc. will hold a conference call on November 6, 2025, at 8:30 a.m. (ET) to discuss its third quarter 2025 operating results and provide a business update [1] - The conference call can be accessed by dialing (833) 316-1983 or (785) 838-9310, with a conference ID "Onity" [2] - An investor presentation will be available on the Shareholder Relations page prior to the call, and a replay will be accessible approximately two hours after the call [3] Company Overview - Onity Group Inc. is a leading non-bank financial services company that provides mortgage servicing and originations solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage [4] - PHH Mortgage is one of the largest servicers in the U.S., offering various servicing and lending programs [4] - Liberty Reverse Mortgage is among the largest reverse mortgage lenders in the nation, focusing on loans that assist customers with personal and financial needs [4]

Core Viewpoint - Onity Group Inc. will hold a conference call on November 6, 2025, to discuss its third quarter 2025 operating results and provide a business update [1]. Group 1: Conference Call Details - The conference call is scheduled for 8:30 a.m. (ET) on November 6, 2025 [1]. - Interested parties can participate by dialing (833) 316-1983 or (785) 838-9310, referencing the conference ID "Onity" [2]. - A live audio webcast will also be available on the Shareholder Relations page of the company's website [2]. Group 2: Investor Presentation and Replay - An investor presentation will be available on the Shareholder Relations page prior to the call [3]. - A replay of the conference call will be accessible on the website approximately two hours after the call concludes [3]. - A telephonic replay will be available approximately three hours after the call, lasting until November 20, 2025, by dialing (844) 512-2921 or (412) 317-6671 with access code 11160252 [3]. Group 3: Company Overview - Onity Group Inc. is a leading non-bank financial services company, providing mortgage servicing and originations solutions through its brands, PHH Mortgage and Liberty Reverse Mortgage [4]. - PHH Mortgage is one of the largest servicers in the U.S., offering various servicing and lending programs [4]. - Liberty is among the largest reverse mortgage lenders in the nation, focusing on loans that assist customers with personal and financial needs [4]. - The company is headquartered in West Palm Beach, Florida, with operations in the U.S., U.S. Virgin Islands, India, and the Philippines, serving customers since 1988 [4].

Core Points - Onity Group Inc. has appointed Robert S. Welborn to its Board of Directors effective October 1, 2025, as DeForest B. Soaries Jr. will not stand for re-election at the 2026 Annual Meeting of Shareholders [1][2][3] Group 1: Board Changes - Robert S. Welborn brings extensive experience in data science and analytics from his previous roles at Meta, General Motors, and USAA, which will support Onity's technology innovation agenda [2][3] - DeForest B. Soaries Jr. has been a board member since 2015 and will continue to serve until the 2026 Annual Meeting, where he will step down [2][3] Group 2: Company Overview - Onity Group Inc. is a leading non-bank financial services company specializing in mortgage servicing and originations through its brands, PHH Mortgage and Liberty Reverse Mortgage [4] - PHH Mortgage is one of the largest servicers in the U.S., while Liberty is a major reverse mortgage lender, helping customers meet personal and financial needs [4]

Core Viewpoint - Onity Group Inc. will hold a conference call on August 5, 2025, to discuss its second quarter 2025 operating results and provide a business update [1]. Group 1: Conference Call Details - The conference call is scheduled for August 5, 2025, at 8:30 a.m. (ET) [1]. - Interested parties can participate by dialing (800) 245-3047 or (203) 518-9765, referencing the conference ID "Onity" [2]. - A live audio webcast will also be available on the Shareholder Relations page of Onity's website [2]. Group 2: Investor Presentation and Replay - An investor presentation will accompany the conference call and will be available on the Shareholder Relations page prior to the call [3]. - A replay of the conference call will be accessible on the website approximately two hours after the call concludes [3]. - A telephonic replay will be available approximately three hours after the call's completion until August 19, 2025, by dialing (844) 512-2921 or (412) 317-6671, referencing access code 11159308 [3]. Group 3: Company Overview - Onity Group Inc. is a leading non-bank financial services company providing mortgage servicing and originations solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage [4]. - PHH Mortgage is one of the largest servicers in the country, offering a variety of servicing and lending programs [4]. - Liberty is one of the nation's largest reverse mortgage lenders, focusing on loans that help customers meet personal and financial needs [4]. - The company is headquartered in West Palm Beach, Florida, with operations in the United States, U.S. Virgin Islands, India, and the Philippines, serving customers since 1988 [4].

Company Overview - Onity Group Inc. is a leading non-bank financial services company providing mortgage servicing and originations solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage [3] - PHH Mortgage is one of the largest servicers in the country, focused on delivering a variety of servicing and lending programs to consumers and business clients [3] - Liberty is one of the nation's largest reverse mortgage lenders dedicated to providing loans that help customers meet their personal and financial needs [3] - The company is headquartered in West Palm Beach, Florida, with operations in the United States, the U.S. Virgin Islands, India, and the Philippines, and has been serving customers since 1988 [3] Upcoming Conferences - Executive management will participate in two upcoming conferences in May 2025, including the BTIG 5 Annual Housing Ecosystem Conference on May 7, 2025 [1] - The KBW Real Estate Finance & Technology Conference is scheduled for May 20, 2025, and will be held virtually [2] - An investor presentation will be made available on the Events & Presentations section of the company's shareholder relations page prior to the meetings on May 7 and May 20, 2025 [2]