Onity Group Inc. (ONIT) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.879 period or by use of forward-looking terminology and address matters that are uncertain. 00:00:05.879 -- 00:00:10.465 Forward-looking statements speak only as of the date they are made and involve assumptions, 00:00:10.465 -- 00:00:15.431 risks, and uncertainties, including those described in our SEC filings. 00:00:15.431 -- 00:00:19.977 In the past, actual results have differed materially from those suggested by forward-looking 00:00:19.977 -- 00:00:25.064 statements, and this may happen again. In addition, the presentation and our comments 00:00:25.064 -- 00:00:30.254 contain references to non-GAAP financial measures, such as adjusted pre-tax income. 00:00:30.254 -- 00:00:35.078 We believe these non-GAAP measures provide a useful supplement to discussions and analysis 00:00:35.078 -- 00:00:39.823 of our financial condition because they are measures that management uses to assess the 00:00:39.823 -- 00:00:43.246 performance of our operations and allocate resources. 00:00:43.246 -- 00:00:48.391 Non-GAAP measures should be viewed in addition to and not as an alternative for the company's 00:00:48.391 -- 00:00:53.516 reported GAAP results. A reconciliation of these non-GAAP measures to their most directly 00:00:53.516 -- 00:00:58.249 comparable GAAP measures and management's reasons for including them may be found in 00:00:58.249 -- 00:01:02.015 the press release and the appendix to the investor presentation. 00:01:02.015 -- 00:01:05.320 Now, I will turn the call over to Glenn Messina. 00:01:05.320 -- 00:01:09.746 Thanks, Valerie. Good morning, everyone, and thank you for joining our call. 00:01:09.746 -- 00:01:14.012 We're looking forward to sharing our third quarter results and reviewing our strategy 00:01:14.012 -- 00:01:18.779 and...