GOODWILL AND INTANGIBLE ASSETS, NET
Goodwill
The following is a summary of goodwill by segment:
(in thousands)
Servicer and Real Estate
Origination
Corporate and Others
Total
Balance as of December 31, 2025 and 2024
$30,681 $25,279 $— $55,960 
Intangible Assets, net
Intangible assets, net consist of the following as of December 31:
Weighted average estimated useful life (in years)
Gross carrying amountAccumulated amortizationNet book value
(in thousands)202520242025202420252024
Definite lived intangible assets:
Customer related intangible assets9$213,912 $213,912 $(206,182)$(203,221)$7,730 $10,691 
Operating agreement2035,000 35,000 (27,854)(26,104)7,146 8,896 
Trademarks and trade names16$9,709 $9,709 $(8,198)$(7,828)$1,511 $1,881 
Non-compete agreements2432 — (41)— 391 — 
Intellectual property1368 — (61)— 307 — 
Total$259,421 $258,621 $(242,336)$(237,153)$17,085 $21,468 
Amortization expense for definite lived intangible assets was $5.2 million and $5.1 million for the years ended December 31, 2025 and 2024, respectively. Forecasted annual definite lived intangible asset amortization expense for 2026 through 2030 is $5.5 million, $4.9 million, $4.4 million, $2.1 million and $0.2 million, respectively.

Historical Timeline

Fiscal YearFiled
2025Mar 4, 2026Showing above
2024Mar 31, 2025
2023Mar 7, 2024
2022Mar 30, 2023
2021Mar 3, 2022
2020Mar 11, 2021
2019Mar 5, 2020
2018Feb 26, 2019
2017Feb 22, 2018
2016Feb 16, 2017
2015Mar 15, 2016

About Goodwill & Intangibles Disclosures

Goodwill and intangible asset disclosures reveal the premium paid in acquisitions and how management assesses whether that premium retains its value. Since goodwill is no longer amortized under US GAAP, the annual impairment test is the only mechanism that adjusts carrying values downward — making the assumptions behind that test critically important for investors.

Key signals: a history of goodwill impairments suggests management consistently overpays for acquisitions. Watch the gap between reporting unit fair value and carrying amount — when fair value exceeds carrying amount by less than 10-20%, a small decline in business performance could trigger a write-down. For finite-lived intangibles, examine useful life assumptions across customer relationships, technology, and trade names; aggressive estimates inflate near-term earnings. Compare total intangibles-to-total-assets ratios against peers to assess acquisition dependency. Rising goodwill as a percentage of equity can signal balance sheet fragility.