Onity : BTIG 5 th Annual Housing Ecosystem Conference Presentation

Published: 2025-05-07 07:21:11 ET ONIT

Published on 05/07/2025 at 07:21

Glen Messina

Chair, President, and Chief Executive Officer

Sean O'Neil

Executive Vice President and Chief Financial Officer

May 7, 2025

© 2025 Onity Group Inc. All rights reserved. Proprietary and Confidential.

NYSE: ONIT

Balanced and diversified business built to perform through market

cycles with multiple opportunities for growth

Track record of increasing market position by driving organic growth and winning new clients

Technology-enabled, low-cost, award-winning platform drives differentiated performance and service excellence

Profitability comparable to peers at a more attractive valuation

Services Offered

Servicing

Owned Servicing and Subservicing

Performing and Special

Originations

Consumer Direct, Bulk, Correspondent, Co-Issue, Wholesale channels

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Industry Rank

Total Servicing

#8

Subservicing

#6

Correspondent Lending

#6

Reverse Originations

#4

Award winning servicing performance and automation center of excellence

Adjusted ROE

Diluted EPS

Servicing UPB

Book Value Per Share

Debt to Equity Ratio

22%

$25M Adjusted PTI

$2.50

$21M GAAP Net Income

$305B

$17B Servicing Additions

$58

+$2.15 year-over-year

3.21:1

Restructured debt in '24

Balanced Portfolio Mix

49%

51%

Q1'25 Financials

Industry rank source: Inside Mortgage Finance (Q4'24) among nonbanks only; all other data as of 3/31/2025; Adjusted ROE is annualized adjusted pre-tax income return on common equity; see appendix for discussion of non-GAAP measures

Strategy

Balance and Diversification | Prudent Capital-Light Growth | Industry-Leading Cost Structure(a) Top-Tier Operating Performance and Capabilities(b) | Dynamic Asset Management

Operating Priorities

Accelerate Growth

Retain more MSRs

Add new products

Increase recapture / win rate

Broaden asset management

Differentiate Operating

Performance

Align value drivers

Increase predictive analytics

Expand robotics and AI

Elevate the Customer

Experience

Engaged and personalized

High-tech, high-touch

Low customer effort

Maintaining agility to capitalize on all opportunities to create value for shareholders

Disclaimer

Onity Group Inc. published this content on May 07, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 07, 2025 at 11:20 UTC.