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What were the key takeaways from Altisource Portfolio’s earnings call?

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- **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

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

ASPS

ASPS fundamentals

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