ONITY GROUP INC.
For the period ended Dec 31, 2025. Filed Feb 17, 2026.
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FY2025 · Filed Feb 17, 2026
ONIT$32.11+3.6%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets at and
(Dollars in millions, except per share data)
| December 31, 2025 | December 31, 2024 | |
|---|---|---|
| Assets | ||
| Cash and cash equivalents | $180.5 | $184.8 |
| Restricted cash ($37.3 and $29.1 related to variable interest entities (VIEs)) | 84.1 | 80.8 |
| Mortgage servicing rights (MSRs), at fair value | 2,825.3 | 2,466.3 |
| Advances, net ($364.5 and $481.8 related to VIEs) | 483.4 | 577.2 |
| Loans held for sale, at fair value ($1,199.8 and $575.4 related to VIEs) | 1,891.7 | 1,290.2 |
| Reverse loans held for sale pooled into Home Equity Conversion Mortgage Backed Securities (HMBS), at fair value | 9,807.5 | — |
| Loans held for investment, at fair value | — | 11,125.3 |
| Receivables, net ($64.2 and $31.9 related to VIEs) | 189.8 | 176.4 |
| Premises and equipment, net | 10.8 | 11.0 |
| Other assets ($28.4 and $15.7 carried at fair value) ($83.4 and $42.0 related to VIEs) | 273.9 | 111.3 |
| Contingent loan repurchase asset | 423.6 | 412.2 |
| Total assets | $16,170.6 | $16,435.4 |
| Liabilities and Stockholders’ Equity | ||
| Liabilities | ||
| HMBS-related borrowings, at fair value | $9,611.7 | $10,872.1 |
| MSR related financing liabilities, at fair value | 842.0 | 846.9 |
| MSR financing facilities, net | 1,285.2 | 957.9 |
| Advance match funded liabilities ($341.4 and $416.5 related to VIEs) | 341.9 | 417.1 |
| Mortgage warehouse facilities | 1,224.6 | 1,046.3 |
| Reverse mortgage securitization notes, net (related to VIE) | 899.3 | 481.9 |
| Senior notes, net | 489.6 | 487.4 |
| Other liabilities ($10.2 and $28.0 carried at fair value) | 374.9 | 420.6 |
| Contingent loan repurchase liability | 423.6 | 412.2 |
| Total liabilities | 15,492.8 | 15,942.5 |
| Commitments and Contingencies (Notes 26 and 27) | ||
| Mezzanine Equity | ||
| Series B Preferred stock, $0.01 par value and $25.00 liquidation preference value; 2,400,000 shares authorized; 2,111,786 and 2,111,787 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively | 49.9 | 49.9 |
| Stockholders’ Equity | ||
| Common stock, $0.01 par value; 13,333,333 shares authorized; 8,521,636 and 7,873,053 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively | 0.1 | 0.1 |
| Additional paid-in capital | 556.1 | 559.3 |
| Retained earnings (Accumulated deficit) | 71.9 | (117.6) |
| Accumulated other comprehensive income (loss), net of income taxes | (0.1) | 1.2 |
| Total stockholders’ equity | 627.9 | 442.9 |
| Total liabilities, mezzanine equity and stockholders’ equity | $16,170.6 | $16,435.4 |
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