What is the revenue and EPS growth rate for Altisource Portfolio year over year?

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What does Altisource Portfolio do and what are its main business segments?

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- **Revenue Growth**: 2025 service revenue up 7% to $161.3 million, driven by Hubzu inventory surge to 13,500 assets.
- **Profitability**: Adjusted EBITDA improved 7% to $47.6 million; 2026 guidance targets $15-$20 million.
- **Strategic Initiative**: Project 45 aims for $45 million EBITDA by 2028 via high-margin services expansion.
- **Market Outlook**: 2026 origination volume growth of 7%, offsetting Rithm/Onity business losses.

**【CFO Opening Remarks】**
- Earnings release and slides available on the company website.
- Forward-looking statements include risks and uncertainties.
- GAAP and non-GAAP financial measures presented with reconciliations.

**【CEO 2025 Performance Overview】**
- Full-year service revenue grew 7% to $161.3 million, with adjusted EBITDA up 7% to $47.6 million.
- Fourth-quarter service revenue increased 4% to $39.9 million, driven by Origination segment growth.
- GAAP loss before taxes improved to $14.1 million in 2025 from $32.9 million in 2024, reflecting lower interest expenses.

**【Segment Updates】**
- **Servicer & Real Estate Segment**: 2025 revenue grew 5% to $126 million, with Hubzu inventory rising 137% to 13,500 assets.
- **Origination Segment**: 2025 revenue increased 16% to $35.2 million, with 40% Q4 growth in Lenders One business.
- 2025 sales wins added $20.6 million in stabilized revenue, with a $19.3 million pipeline.

**【Business Environment & 2026 Outlook】**
- 2025 foreclosure starts up 25%, MBA forecasts 2026 origination volume growth of 7%.
- 2026 guidance: Service revenue $165-$185 million, adjusted EBITDA $15-$20 million.
- Anticipated loss of Rithm/Onity business offset by new wins and pipeline conversions.

**【Project 45 Strategic Initiatives】**
- Target $45 million adjusted EBITDA by Q4 2028 through growth in Lenders One, Hubzu, and other high-margin services.
- Focus on diversifying revenue and cost discipline to achieve positive 2026 operating cash flow.

Altisource Portfolio Solutions S.A.(ASPS)-20260304-2025 Q4 Earnings call transcript

- **Revenue Growth**: Service revenue up 4% to $39.7 million, driven by Renovation and Lenders One. 
- **Pipeline Expansion**: $11.2 million new sales in Q3, 33% growth potential. 
- **Financial Efficiency**: $2.3 million improvement in operating cash flow. 
- **Strategic Wins**: 4 new Equator customers, 3 live implementations. 
- **Market Trends**: Foreclosure starts and sales increasing despite low delinquency rates. 


**【CEO Summary Section】**
- Delivered solid third-quarter performance with service revenue growth and improved GAAP earnings. Key growth drivers include the Renovation business and Lenders One. 
- Adjusted EBITDA margin at 32.1%, reflecting revenue mix changes. 
- Sales pipeline expansion in Lenders One and Granite Construction Risk Management. 
- Cost discipline and lower interest expense contributed to profitability. 

**【CFO Commentary】**
- GAAP net loss of $1.7 million, improved from $8.5 million prior year. 
- Operating cash flow increased by $2.3 million, ending with $28.6 million in cash. 
- Non-GAAP metrics show margin contraction in Origination segment due to product mix. 

**【Q&A Highlights】**
- **Equator Platform Wins**: 4 new customers, 3 live implementations, potential cross-selling with Hubzu. 
- **REO Asset Management**: Referrals from Onity and Rithm at record levels. 
- **Mortgage Origination Outlook**: MBA projects 5.4 million loans in 2025, 18% increase YoY. 
- **Foreclosure Trends**: Starts and sales up 19% and 10% YoY, driven by FHA delinquency rates. 


Altisource Portfolio Solutions S.A. (ASPS) Q3 2025 Earnings Call Transcript

- **Revenue Growth**: 11% YoY service revenue to $40.8M, driven by Renovation (+10%) and Lenders One (+13%).
- **Profitability**: Adjusted EBITDA up 23% to $5.4M, GAAP net income $16.6M (vs. -$8.3M prior).
- **Pipeline Strength**: $25.3M servicer pipeline and $14.7M origination pipeline.
- **Market Position**: Countercyclical growth in low delinquency environment (1.2% 90+ day rate).
- **Cash Position**: $30M unrestricted cash post-tax benefits and debt restructuring.

**【CEO Opening Remarks】**
- Q2 2025 service revenue grew 11% YoY to $40.8 million, driven by the Renovation, Lenders One, and Foreclosure Trustee businesses.
- Adjusted EBITDA increased 23% YoY to $5.4 million, with $12.8 million from business segments vs. $7.5 million corporate segment loss.
- GAAP net income improved to $16.6 million (vs. -$8.3 million in Q2  Ended quarter with $30 million in unrestricted cash.

**【Segment2024) due to tax benefits and lower interest costs.
- Performance】**
1. **Servicer & Real Estate Segment**:
- Service revenue up 10% to $32 million, EBITDA $12 million (+8% YoY).
- Renovation business growth offset by lower-margin mix, EBITDA margin 37.4% (vs. 38.1% prior).
- Won $1.1 million in new annualized service revenue, pipeline $25.3 million.

2. **Origination Segment**:
- Service revenue up 13% to $8.8 million, EBITDA $900,000 (+81% YoY).
- Lenders One growth and margin improvements drove results.
- Won $3.3 million in new annualized revenue, pipeline $14.7 million.

**【Growth Initiatives】**
- Focused on 5 key businesses: Renovation, Granite Construction Risk Management, Lenders One, Hubzu Marketplace, and Foreclosure Trustee.
- Progress despite low delinquency rates (1.2% 90+ day mortgage delinquency rate).

**【Market Environment】**
- Foreclosure starts +15% YoY (but -29% vs. 2019 levels).
- Mortgage origination volume up 27% QoQ, MBA forecasts 5.6 million loans in 2025.

**【Q&A Highlights】**
- Working capital build described as normal operational activity, no unusual trends.


Altisource Portfolio Solutions S.A. (ASPS) Q2 2025 Earnings Call Transcript

- **Revenue Growth**: 11% YoY to $40.9M, driven by renovation and foreclosure activity.
- **Profitability**: 14% EBITDA growth to $5.3M, 30.5% margin.
- **Debt Restructuring**: $60M debt reduction, annual interest savings of $8.5M.
- **Market Risk**: Rising FHA delinquencies (11%) and potential foreclosure surge from policy changes.
- **Pipeline Strength**: $38M combined annualized new business wins.

**【CEO Opening Remarks】**
- Q1 2025 service revenue: $40.9M (+11% YoY), driven by renovation business, foreclosure starts, and sales wins.
- Adjusted EBITDA: $5.3M (+14% YoY), with 30.5% margin improvement.
- $30.8M unrestricted cash post debt restructuring.

**【Financial Highlights】**
- GAAP interest expense reduced to $4.9M Q1 2025 vs $9.5M Q1 2024.
- Annualized interest cost estimate: $9.5M vs prior $18M.
- Long-term debt reduced by $60M to $172.5M.

**【Segment Performance】**
1. **Servicer & Real Estate Segment**
- Service revenue: $32.9M (+13% YoY)
- Adjusted EBITDA: $12M (+15% YoY), 36.5% margin
- New business pipeline: $26.1M annualized

2. **Origination Segment**
- Service revenue: $8M (+3% YoY)
- Adjusted EBITDA: $500K (flat YoY)
- New business pipeline: $11.9M annualized

**【Market Trends】**
- FHA delinquency rate at 11% (highest since 2013)
- Foreclosure starts +25% Q1 2025 vs Q1 2024
- Potential drivers: economic weakness, student loan collections, HUD guideline changes


Altisource Portfolio Solutions (ASPS)-1 May 25-2025 Q1 Earnings call transcript

- **Revenue Growth**: 10% full-year service revenue increase to $150 million, driven by 11% growth in Servicer & Real Estate and 6% in Origination segments.
- **Debt Restructuring Success**: $60 million debt reduction lowers annual interest costs by $18 million, with warrants aligning shareholder interests.
- **2025 Outlook**: Forecast 16-33% service revenue growth ($165-$185M) and 56-109% EBITDA expansion ($18-$23M), supported by new product launches and cost efficiency.
- **Q1 Strong Start**: Unaudited January/February results show revenue in line with plan and EBITDA ahead of target, setting up for positive cash flow.

**【CEO Comprehensive Review】**
- **2024 Full-Year Performance**: Total service revenue grew 10% to $150 million, with adjusted EBITDA improving by $18.3 million to $17.4 million. The fourth quarter marked the highest service revenue ($38.4 million) and adjusted EBITDA ($4.7 million) since 2021.
- **Debt Restructuring**: Reduced debt by $60 million to $172.5 million, lowering annual interest costs by $18 million. Issued warrants to pre-transaction shareholders to align interests with long-term growth.
- **Segment Growth**: Servicer & Real Estate segment revenue rose 11% to $120 million, while Origination segment revenue increased 6% to $30.4 million. Both segments saw margin improvements through efficiency initiatives.
- **2025 Outlook**: Forecasting service revenue of $165-$185 million and adjusted EBITDA of $18-$23 million, driven by new product launches (e.g., renovation and credit services) and pipeline conversions.

**【CFO Financial Highlights】**
- **2024 Financials**: GAAP net loss of $112.8 million, with non-GAAP adjusted EBITDA of $17.4 million. The corporate segment reduced its adjusted EBITDA loss by 22% to $27.2 million through cost-saving measures.
- **Debt Transaction Impact**: The new $110 million term loan at 10.8% interest (vs. prior PIK interest) and $12.5 million super senior credit facility provide liquidity and reduce refinancing risk.
- **Liquidity**: Closed a $12.5 million credit facility to fund transaction costs and general corporate purposes, enhancing financial flexibility.

**【Q&A Key Takeaways】**
- **Market Trends**: Foreclosure starts and origination volumes remain depressed, but clients anticipate delinquency rate increases. FHA modification programs are leading to renewed default activity.
- **2025 Momentum**: Q1 revenue and EBITDA are tracking ahead of plan, with new product launches (e.g., renovation services) expected to double monthly revenue by year-end.
- **Debt Relief**: Lower interest costs and reduced refinancing risk position the company for positive operating cash flow in 2025, a first since 2019.

Altisource Portfolio Solutions (ASPS)-13 Mar 25-2024 Q4 Earnings call transcript

Altisource Portfolio Solutions (ASPS)-24 Oct 24-2024 Q3 Earnings call transcript

Actual									1.36	-6.08	-1.92	-8.8	-7.28	-5.52	-6.4	-6.88	-4.64	-5.6	-5.6	-3.6	-3.04	-5.44	-3.52	-2.96	-1.6	-1.68	-1.84	-1.44	0	0.19	0.1	0.11
Forecast									0.72	-4.56	-6.32	-5.24	-2.8	-4.92	-4.56	-7.52	-5.6	-5.24	-3.88	-5.2	-4.72	-3.92	-3.6	-3.04	-3.44	-1.96	-1.64	-2.16
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+88.89%	-33.33%	+69.62%	-67.94%	-160.00%	-12.20%	-40.35%	+8.51%	+17.14%	-6.87%	-44.33%	+30.77%	+35.59%	-38.78%	+2.22%	+2.63%	+53.49%	+14.29%	-12.20%	+33.33%	0.00%	0.00%	0.00%	0.00%

Actual	--	--	--	--	--	--	--	--	121.44M	95.34M	88.80M	59.97M	50.47M	46.04M	43.24M	38.70M	39.52M	40.42M	38.38M	34.80M	39.46M	35.23M	36.21M	34.16M	39.47M	39.12M	40.53M	41.01M	43.44M	43.29M	41.91M	42.34M
Forecast	--	--	--	--	--	--	--	--	130.51M	83.05M	62.57M	59.57M	51.30M	54.14M	53.22M	40.81M	39.23M	38.02M	44.08M	33.40M	32.57M	39.76M	38.35M	36.35M	33.90M	38.30M	44.75M	41.00M	--	--	--	--
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-6.95%	+14.81%	+41.92%	+0.67%	-1.63%	-14.95%	-18.74%	-5.16%	+0.73%	+6.31%	-12.92%	+4.19%	+21.15%	-11.38%	-5.57%	-6.03%	+16.43%	+2.14%	-9.43%	+0.03%	0.00%	0.00%	0.00%	0.00%

ASPS

ASPS fundamentals

ASPS Q4 2025 Earnings

Earnings Call

You can ask Aime

ASPS

ASPS fundamentals

ASPS Q4 2025 Earnings

Earnings Call

ASPS Earnings Call Summary for Q4/20258:30 AM on Mar 4, 2026

ASPS Earnings Call Summary for Q3/20258:30 AM on Oct 23, 2025

ASPS Earnings Call Summary for Q2/20258:30 AM on Jul 24, 2025

ASPS Earnings Call Summary for Q1/20258:30 AM on May 1, 2025

ASPS Earnings Call Summary for Q4/20248:30 AM on Mar 13, 2025

You can ask Aime