$ONIT Cashflow Statement | Understand Stock

$ONIT

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
Cash flows from operating activities
Net income (loss)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Loss (gain) on sale of MSRs, net
MSR valuation adjustments, net
Provision for bad debts (advances and receivables)
Provision for (reversal of) representation and warranty obligations
Depreciation
Amortization of debt discount and issuance costs
Amortization of Intangible Assets
Loss (gain) on extinguishment of debt
Provision for (reversal of) valuation allowance on deferred tax assets
Decrease (increase) in deferred tax assets other than provision for valuation allowance
Equity-based compensation expense
Loss (gain) on valuation of Pledged MSR financing liability
Distribution of earnings from equity method investee
Interest capitalized on reverse buyouts
Deferred income tax (benefit) expense
Gain on reverse loans and HMBS-related borrowings, net
Earnings of equity method investee
Net gain on sale of investment in equity method investee
Gain on loans held for sale, net
Changes in assets and liabilities:
Decrease in advances
Decrease in receivables and other assets
Increase (Decrease) in Derivative Assets and Liabilities
Increase (decrease) in other liabilities
Origination and purchase of loans held for sale
Proceeds from sale and collections of loans held for sale
Other, net

Net cash provided by (used in) operating activities
Cash flows from investing activities
Origination of loans held for investment
Principal payments received on loans held for investment
Purchase of MSRs
Proceeds from sale of MSRs
Acquisition of loans held for investment, net
Acquisition of reverse mortgage subservicing agreements
Distribution of capital from equity method investee
Distribution from (investment in) equity method investee, net
Net proceeds from sale of investment in equity method investee
Acquisition of advances in connection with MSR transactions
Proceeds from sale of advances in connection with MSR transactions
Purchase of real estate
Proceeds from sale of real estate
Additions to premises and equipment
Other, net
Net cash provided by (used in) investing activities

Cash flows from financing activities
Repayment of advance match funded liabilities, net
Proceeds from (repayment of) mortgage warehouse facilities, net
Proceeds from reverse mortgage securitization notes
Repayment of reverse mortgage securitization notes
Proceeds from (repayment of) MSR financing facilities, net
Repayment of MSR financing facilities
Repurchase and repayment of Senior notes
Proceeds from issuance of Senior notes
Payment of debt issuance costs
Proceeds from other financing liabilities - Sale of MSRs accounted for as secured financing
Proceeds from other financing liabilities - Excess Servicing Spread (ESS) liability
Proceeds from MSR related financing liabilities
Repayment of MSR related financing liabilities
Proceeds from sale of HECM or reverse mortgages, accounted for as a financing (HMBS-related borrowings)
Repayment of HMBS-related borrowings
Issuance of common stock
Repurchase of common stock
Other, net
Proceeds from issuance of preferred stock
Payment of preferred stock issuance costs
Payment of preferred stock dividend
Payment on exercise of common stock warrants
Net cash provided by (used in) financing activities
Net increase (decrease) in cash, cash equivalents and restricted cash
Cash, cash equivalents and restricted cash at beginning of year
Cash, cash equivalents and restricted cash at end of year
Supplemental cash flow information
Interest paid
Income tax payments (refunds), net
Federal
State
Foreign
Total income tax payments (refunds), net
HECM loans held for investment acquired at fair value
HMBS-related borrowings assumed at fair value
Consideration Received for Beneficial Interest Obtained for Transferring Financial Asset
Series B Preferred stock issuance at fair value
Other, net
Net cash received (paid) on HECM transactions
Supplemental non-cash investing and financing activities
Right-of-use asset
Lease liability
Transfer from loans held for investment to loans held for sale
Transfers of loans held for sale to real estate owned (REO)
Derecognition of MSRs
Derecognition of financing liabilities:
Initial consolidation (subsequent deconsolidation) of mortgage-backed securitization trusts (VIEs) - Loans held for investments
Initial consolidation (subsequent deconsolidation) of mortgage-backed securitization trusts (VIEs) - Other financing liabilities
Recognition of future draw commitments for HECM loans at fair value upon adoption of FASB ASU No. 2016-13
Equity / cash balance held by subsidiary upon sale

Restricted cash and equivalents:
Cash and cash equivalents
Debt service accounts
Other restricted cash

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