Onity Group Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	189.5	33.9	-63.7	25.7	18.1
Depreciation & Amortization	5.4	8.3	12.1	14.8	11
Provision for Credit Losses	17.8	24	25.7	20.5	22.7
Stock-Based Compensation	7.8	9.7	-	4.6	4.7
Net Change in Loans Held-for-Sale	-990.5	-837	-257.9	88.1	-623.1
Other Adjustments	28.8	76.6	265.1	104.8	51.6
Changes in Accrued Interest and Accounts Receivable	79.7	16.9	52.9	4.2	33.6
Changes in Other Operating Activities	-37.1	45.2	-24.5	-12.5	13
Operating Cash Flow	-748	-573.8	10.4	173.2	-468.4
Operating Cash Flow Growth	-	-	-93.99%	-	-
Net Change in Loans Held-for-Investment	2,079	370.8	44.6	-81.5	-135.1
Capital Expenditures	-44.2	-37.7	-12.9	-8	-9.8
Purchases of Intangible Assets	-373.4	-232.4	-120	-218.4	-840.2
Sale of Property, Plant & Equipment	51.2	30.7	18.5	6.6	8.1
Proceeds from Sale of Intangible Assets	138.8	204.8	0.9	155.7	-
Other Investing Activities	1.5	18.3	10.5	2	-28.1
Investing Cash Flow	1,848	401.3	-100.3	-149.1	-1,005
Short-Term Debt Issued	574.2	574.3	71.9	269.8	1,349
Short-Term Debt Repaid	-	-	-	-596.9	-250
Net Short-Term Debt Issued (Repaid)	574.2	574.3	71.9	-327.1	1,099
Long-Term Debt Issued	1,200	569.9	242	-	647.9
Long-Term Debt Repaid	-960.5	-259.8	-100.5	-23.6	-507.9
Net Long-Term Debt Issued (Repaid)	239	310.1	141.5	-23.6	140
Issuance of Common Stock	-	-	-	-	9.9
Repurchase of Common Stock	-	-	-	-	-0.5
Net Common Stock Issued (Repurchased)	-	-	-	-	9.4
Issuance of Preferred Stock	-	-	20	-	-
Net Preferred Stock Issued (Repurchased)	-	-	20	-	-
Preferred Share Dividends Paid	-4.2	-0.5	-	-	-
Other Financing Activities	-2,071	-571.8	-130.2	387.2	131.2
Financing Cash Flow	-1,101	182.9	70.8	-13.4	1,380
Net Cash Flow	-1	10.4	-19.1	10.7	-93.7
Free Cash Flow	-792.2	-611.5	-2.5	165.2	-478.2
FCF Margin	-113.22%	-109.73%	-0.45%	30.19%	-70.25%
Free Cash Flow Per Share	-91.72	-75.61	-0.33	18.36	-50.97
Levered Free Cash Flow	1,002	950.5	177.3	-326.5	1,305
Unlevered Free Cash Flow	3.8	32.7	27.6	-1.5	47.8

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.