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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Free Cash flow
-$516,900K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sale and collectio...
Proceeds from reverse mortgage s...
Principal payments received on l...
Others
Negative Cash Flow Breakdown
Origination and purchase of loan...
Repayment of hmbs-related borrow...
Repayment of reverse mortgage se...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss)
-11,800
7,600
127,200
18,700
Msr valuation adjustments, net
88,500
87,700
77,200
63,000
Provision for bad debts (advances and receivables)
4,200
4,900
4,000
4,800
Provision for (reversal of) representation and warranty obligations
-
-
10,400
-
Provision for indemnification obligations
6,100
-4,400
-
4,800
Depreciation
1,100
1,100
1,100
1,000
Amortization of debt issuance costs, discount and premium
12,800
9,400
8,200
7,800
Amortization of intangibles
200
300
300
200
Loss (gain) on extinguishment of debt
-
-
0
-
Equity-based compensation expense
2,900
1,700
1,700
1,700
Interest capitalized on reverse buyouts
24,200
17,100
47,000
-
Loss on extinguishment of debt
-300
-
-
0
Deferred income tax expense (benefit)
-3,500
1,600
-120,600
-
Gain on reverse loans and hmbs-related borrowings, net
0
11,300
5,600
6,400
Net gain on sale of investment in equity method investee
-
-
0
-
Gain on loans held for sale, net
29,400
34,100
36,700
34,100
Decrease in advances
-55,500
-77,700
51,800
-20,100
Decrease (increase) in receivables and other assets
-218,300
137,100
-26,800
-59,000
Increase in derivatives
70,800
-16,700
57,000
-9,000
Decrease in other liabilities
-64,300
-39,500
-11,200
30,300
Origination and purchase of loans held for sale
8,637,100
7,717,500
7,951,100
7,410,200
Proceeds from sale and collections of loans held for sale
7,914,800
6,156,300
7,767,000
7,478,800
Proceeds from sale of reverse loans held for sale, pooled into hmbs, net of associated hmbs-related borrowings
18,800
-
-
-
Other, net
1,700
-400
32,800
-19,400
Net cash used in operating activities
-516,100
-1,589,900
-230,600
229,500
Origination of reverse loans held for investment, pooled into hmbs
18,700
0
158,200
249,300
Principal payments received on loans previously held for investment
553,500
559,800
-
-
Principal payments received on loans held for investment
-
-
689,900
778,200
Proceeds from sale of reverse loans held for sale (previously held for investment), pooled into hmbs, net of associated hmbs-related borrowings
75,100
-
-
-
Purchase of msrs
146,000
186,800
134,000
88,400
Proceeds from sale of msrs
300
20,000
134,000
0
Distribution of capital from equity method investee
-
-
0
0
Net proceeds from sale of investment in equity method investee
-
-
0
-
Acquisition of advances in connection with msr transactions
600
5,600
1,100
600
Proceeds from sale of advances in connection with msr transactions
400
500
600
200
Purchase of real estate
69,200
21,400
25,200
11,400
Proceeds from sale of real estate
29,900
23,700
15,500
13,200
Additions to premises and equipment
800
100
1,900
700
Other, net
-
-
0
-
Net cash provided by investing activities
424,000
390,000
519,700
441,300
Repayment of advance match funded liabilities, net
36,600
50,600
-21,300
21,900
Proceeds from mortgage warehouse facilities, net
-131,300
968,400
-341,400
-136,700
Proceeds from reverse mortgage securitization notes
976,800
491,800
701,700
-
Repayment of reverse mortgage securitization notes
374,800
74,000
248,500
18,000
Proceeds from msr financing facilities, net
195,600
86,300
-1,904,500
406,900
Repayment of msr financing facilities
-
-
-
401,800
Repurchase and repayment of senior notes
-
-
0
0
Proceeds from issuance of senior notes
0
206,500
0
-
Payment of debt issuance costs
9,100
8,400
3,900
3,700
Proceeds from other financing liabilities - sale of msrs accounted for as secured financing
-
-
-
8,300
Proceeds from msr related financing liabilities
14,500
11,000
54,000
12,700
Repayment of msr related financing liabilities
18,000
39,500
71,400
-
Proceeds from sale of hecm or reverse mortgages, accounted for as a financing (hmbs-related borrowings)
117,500
214,100
239,200
269,400
Repayment of hmbs-related borrowings
549,900
555,900
684,200
770,200
Proceeds from issuance of preferred stock
-
-
0
-
Payment of preferred stock issuance costs
-
-
0
-
Repurchase of common stock
5,900
6,100
-
-
Payment of preferred stock dividend
1,100
1,000
1,100
1,000
Payment on exercise of common stock warrants
0
0
0
0
Net cash provided by (used in) financing activities
177,800
1,242,500
-295,800
-656,100
Net increase (decrease) in cash, cash equivalents and restricted cash
85,700
42,600
-6,700
14,700
Cash, cash equivalents and restricted cash at beginning of year
307,200
264,600
271,300
265,600
Cash, cash equivalents and restricted cash at end of period
392,900
-
-
-
Interest paid
157,100
-
-
-
Federal
200
-
-
-
State
100
-
-
-
Foreign
1,300
-
-
-
Income tax payments (refunds), net
1,600
-
-
-
Sale
5,629,600
-
-
-
Hmbs-related borrowings, at fair value
5,503,100
-
-
-
Less receivables, net
32,600
-
-
-
Net cash received
93,900
-
-
-
Right-of-use asset
1,500
-
-
-
Lease liability
1,500
-
-
-
Msr, at fair value
123,200
-
-
-
Msr related financing liability, at fair value - msr pledged liability
123,100
-
-
-
Cash and cash equivalents
196,600
-
-
-
Debt service accounts
170,000
-
-
-
Other restricted cash
26,300
-
-
-
Total cash, cash equivalents and restricted cash reported in the statements of cash flows
392,900
307,200
264,600
271,300
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Principal payments
received on loans...
$553,500K
Proceeds from reverse
mortgage securitization...
$976,800K
Proceeds from sale of
reverse loans held for...
$75,100K
Proceeds from sale of real
estate
$29,900K
(32.89%↑ Y/Y)
Proceeds from sale of
advances in connection...
$400K
(-42.86%↓ Y/Y)
Proceeds from sale of msrs
$300K
(-93.75%↓ Y/Y)
Proceeds from msr
financing facilities, net
$195,600K
(-89.29%↓ Y/Y)
Proceeds from sale of hecm
or reverse...
$117,500K
(-79.66%↓ Y/Y)
Proceeds from msr related
financing liabilities
$14,500K
Net cash provided by
investing activities
$424,000K
(-52.17%↓ Y/Y)
Net cash provided by
(used in) financing...
$177,800K
(219.65%↑ Y/Y)
Canceled cashflow
$235,300K
Canceled cashflow
$1,126,700K
Net increase
(decrease) in cash, cash...
$85,700K
(1052.22%↑ Y/Y)
Canceled cashflow
$516,100K
Purchase of msrs
$146,000K
(-3.31%↓ Y/Y)
Purchase of real estate
$69,200K
(1372.34%↑ Y/Y)
Origination of reverse loans
held for investment,...
$18,700K
(-96.57%↓ Y/Y)
Additions to premises and
equipment
$800K
(166.67%↑ Y/Y)
Acquisition of advances in
connection with msr...
$600K
(-82.35%↓ Y/Y)
Proceeds from sale and
collections of loans held for...
$7,914,800K
(-14.78%↓ Y/Y)
Decrease (increase) in
receivables and other assets
-$218,300K
(-3678.69%↓ Y/Y)
Msr valuation
adjustments, net
$88,500K
(-12.38%↓ Y/Y)
Decrease in advances
-$55,500K
(45.16%↑ Y/Y)
Proceeds from sale of
reverse loans held for...
$18,800K
Amortization of debt issuance
costs, discount and...
$12,800K
(10.34%↑ Y/Y)
Provision for
indemnification obligations
$6,100K
(306.67%↑ Y/Y)
Provision for bad debts
(advances and...
$4,200K
(-53.33%↓ Y/Y)
Equity-based compensation
expense
$2,900K
(-30.95%↓ Y/Y)
Other, net
$1,700K
(109.19%↑ Y/Y)
Depreciation
$1,100K
(-52.17%↓ Y/Y)
Loss on
extinguishment of debt
-$300K
Amortization of intangibles
$200K
(-60.00%↓ Y/Y)
Repayment of hmbs-related
borrowings
$549,900K
(-64.40%↓ Y/Y)
Repayment of reverse
mortgage securitization...
$374,800K
(977.01%↑ Y/Y)
Proceeds from mortgage
warehouse facilities, net
-$131,300K
(-120.00%↓ Y/Y)
Repayment of advance match
funded liabilities,...
$36,600K
(-50.94%↓ Y/Y)
Repayment of msr related
financing liabilities
$18,000K
Payment of debt issuance
costs
$9,100K
(2933.33%↑ Y/Y)
Repurchase of common stock
$5,900K
Payment of preferred
stock dividend
$1,100K
(-47.62%↓ Y/Y)
Net cash used in
operating activities
-$516,100K
(30.90%↑ Y/Y)
Canceled cashflow
$8,325,200K
Origination and purchase of
loans held for sale
$8,637,100K
(-15.01%↓ Y/Y)
Increase in derivatives
$70,800K
(154.68%↑ Y/Y)
Decrease in other
liabilities
-$64,300K
(-43.53%↓ Y/Y)
Gain on loans held for
sale, net
$29,400K
(32.43%↑ Y/Y)
Interest capitalized on
reverse buyouts
$24,200K
Net income (loss)
-$11,800K
(-127.06%↓ Y/Y)
Deferred income tax
expense (benefit)
-$3,500K
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ONITY GROUP INC. (ONIT)
ONITY GROUP INC. (ONIT)