A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
ONITY GROUP INC.
ONIT
$341M
Mkt Cap
$39.44
+1.68%
ONITY GROUP INC. (ONIT) has a current P/E ratio of 1.8, compared to its historical median P/E of 9.0. The stock is currently considered Cheap based on its historical valuation range.
ONITY GROUP INC. (ONIT) has a 5-year average return on invested capital (ROIC) of 3.9%. This is below average and may indicate limited pricing power.
ONITY GROUP INC. (ONIT) has a market capitalization of $332M. It is classified as a small-cap stock.
Yes, ONITY GROUP INC. (ONIT) pays a dividend with a trailing twelve-month yield of 1.27%.
Based on historical P/E analysis, ONITY GROUP INC. (ONIT) appears cheap. The current P/E of 1.8 is 80% below its historical median of 9.0. The estimated fair value CAGR (P/E method) is 12.4%.
ONITY GROUP INC. (ONIT) operates in the Mortgage Bankers & Loan Correspondents industry, within the Financials sector.
ONITY GROUP INC. (ONIT) reported annual revenue of $1.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
When we use the terms “Onity,” “ONIT,” “we,” “us” and “our,” we are referring to Onity Group Inc. and its consolidated subsidiaries. We are a financial services company that services and originates both forward and reverse mortgage loans, through our primary brands, PHH Mortgage and Liberty Reverse Mortgage. We are a leader in the servicing industry that is focused on creating positive outcomes for homeowners, clients, and investors. This long-standing core competency continues to be a guiding principle as we seek to grow our business and improve our financial performance. We are headquartered in West Palm Beach, Florida with offices and operations in the U.S., in the United States Virgin Islands (USVI), in India and the Philippines. At December 31, 2025, approximately 75% of our workforce was located outside the U.S. Onity Group Inc. is a Florida corporation organized in February 1988. With our predecessor companies, we have been servicing residential mortgage loans since 1988.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.1B | 1.1B | 976M | 1.1B | 954M | 1.1B |
| Net Income | 171M | 185M | 33M | -64M | 26M | 18M |
| EPS | $20.32 | $21.46 | $4.13 | $-8.34 | $2.85 | $1.93 |
| Free Cash Flow | -2.2B | -751M | -575M | 8.2M | 168M | -472M |
| ROIC | 0.0% | 23.6% | 5.0% | -14.8% | 3.3% | 2.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 3.81 | 1.95 | 3.49 | 1.77 | 1.54 | 3.64 |
| Dividends/Share | $0.50 | $0.49 | $0.06 | $0.00 | $0.00 | - |
| Operating Income | 0 | 63M | 39M | -58M | 25M | -4.4M |
| Operating Margin | 0.0% | 5.9% | 4.0% | -5.4% | 2.6% | -0.4% |
| ROE | 27.2% | 34.6% | 7.9% | -14.8% | 5.5% | 4.1% |
| Shares Outstanding | 8M | 9M | 8M | 8M | 9M | 9M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | N/A | 1.7B | 1.4B | 1.2B | 1.1B | 1.1B | 961M | 1.1B | 954M | 1.1B | 976M | 1.1B | 1.1B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 416M | 415M | 381M | 359M | 298M | 314M | 265M | 298M | 289M | 229M | 233M | 253M | 265M |
| EBIT | 76M | -130M | -206M | -144M | -71M | -126M | -106M | -4.4M | 25M | -58M | 39M | 63M | 0 |
| Op. Margin | N/A | -7.5% | -14.9% | -12.1% | -6.7% | -11.3% | -11.0% | -0.4% | 2.6% | -5.4% | 4.0% | 5.9% | 0.0% |
| Net Income | -473M | -247M | -200M | -128M | -71M | -142M | -40M | 18M | 26M | -64M | 33M | 185M | 171M |
| Net Margin | N/A | -14.2% | -14.4% | -10.7% | -6.7% | -12.7% | -4.2% | 1.7% | 2.7% | -6.0% | 3.4% | 17.4% | 15.4% |
| Non-Recurring | 438M | 2.9M | 0 | 8.5M | 0 | 65M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | -8.5% | -5.6% | -8.5% | -11.7% | -7.9% | -24.9% | -9.7% | 2.4% | 3.3% | -14.8% | 5.0% | 23.6% | 0.0% |
| ROE | -33.2% | -26.1% | -26.6% | -21.4% | -12.9% | -29.4% | -9.7% | 4.1% | 5.5% | -14.8% | 7.9% | 34.6% | 27.2% |
| ROA | -5.8% | -3.2% | -2.7% | -1.6% | -0.8% | -1.4% | -0.4% | 0.2% | 0.2% | -0.5% | 0.2% | 1.1% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 353M | 582M | 421M | 409M | 273M | 152M | 261M | -468M | 173M | 10M | -574M | -748M | -2.2B |
| Free Cash Flow | 341M | 544M | 388M | 400M | 264M | 150M | 257M | -472M | 168M | 8.2M | -575M | -751M | -2.2B |
| Owner Earnings | 320M | 555M | 391M | 377M | 243M | 117M | 240M | -483M | 158M | -6.3M | -587M | -760M | -2.2B |
| CapEx | 11M | 37M | 34M | 9.1M | 9.0M | 2.0M | 4.1M | 3.3M | 5.5M | 2.2M | 800K | 2.9M | 2.7M |
| Maint. CapEx | 22M | 19M | 25M | 27M | 27M | 32M | 19M | 10M | 11M | 7.0M | 5.4M | 4.4M | 4.3M |
| Growth CapEx | 0 | 18M | 8.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 22M | 19M | 25M | 27M | 27M | 32M | 19M | 10M | 11M | 7.0M | 5.4M | 4.4M | 4.3M |
| CapEx/OCF | 3.2% | 6.4% | 7.1% | 2.2% | 3.3% | 1.3% | 1.6% | N/A | 3.2% | 21.2% | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 500K | 4.2M | 4.2M |
| Dividend Yield | 0.0% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.2% | 1.3% | 1.3% |
| Share Buybacks | 382M | 4.1M | 5.9M | 0 | 0 | 0 | 4.6M | 0 | 50M | 0 | 0 | 0 | 0 |
| Buyback Yield | 20.3% | 0.5% | 0.9% | N/A | N/A | N/A | 1.8% | N/A | 18.2% | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 11M | 7.3M | 5.2M | 5.6M | 2.4M | 2.7M | 2.4M | 4.7M | 4.6M | 9.7M | 7.8M | 7.6M | 7.2M |
| Debt Repayment | 6.8M | 23M | 11M | 841K | 0 | 2.8M | 7.7M | 16M | 1.3M | 4.2M | 17M | 7.9M | 7.9M |
| Balance Sheet | |||||||||||||
| Net Debt | 4.0B | 1.9B | 72M | 196M | 18M | -195M | 94M | 1.5B | 426M | 449M | 1.3B | 959M | 2.2B |
| Cash & Equiv. | 129M | 357M | 302M | 303M | 397M | 492M | 357M | 264M | 274M | 255M | 266M | 265M | 183M |
| Long-Term Debt | 4.2B | 2.7B | 478M | 508M | 174M | 0 | 0 | 648M | 0 | 0 | 498M | 0 | 207M |
| Debt/Equity | 4.02 | 3.19 | 0.73 | 0.93 | 0.81 | 0.75 | 1.09 | 3.64 | 1.54 | 1.77 | 3.49 | 1.95 | 3.81 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 1.0B | 852M | 653M | 545M | 555M | 412M | 415M | 477M | 457M | 402M | 443M | 628M | 629M |
| Total Assets | 8.2B | 7.4B | 7.7B | 8.4B | 9.4B | 10.4B | 10.7B | 12.1B | 12.4B | 12.5B | 16.4B | 16.2B | 17.7B |
| Total Liabilities | 7.2B | 6.5B | 7.0B | 7.9B | 8.8B | 10.0B | 10.2B | 11.7B | 11.9B | 12.1B | 16.0B | 15.5B | 17.1B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | 600K | 14M | 15M | 6.2M | 3.3M | 2.4M | 2.1M |
| Retained Earnings | 530M | 326M | 126M | -2.1M | 3.6M | -139M | -132M | -114M | -88M | -152M | -118M | 72M | 79M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | -54.00 | -29.55 | -24.15 | -15.15 | -7.93 | -237.90 | -4.59 | 1.93 | 2.85 | -8.34 | 4.13 | 21.46 | 20.32 |
| Owner EPS | 36.55 | 66.42 | 47.23 | 44.58 | 27.22 | 196.40 | 27.35 | -51.54 | 17.53 | -0.82 | -72.58 | -87.97 | -261.73 |
| Book Value | 118.65 | 101.87 | 78.94 | 64.53 | 62.13 | 689.81 | 47.43 | 50.83 | 50.65 | 52.61 | 54.77 | 72.68 | 74.81 |
| Cash Flow/Share | 40.28 | 69.59 | 50.92 | 48.42 | 30.53 | 254.33 | 29.80 | -49.95 | 19.21 | 1.36 | -70.95 | -86.58 | 20.83 |
| Dividends/Share | 0.13 | 0.00 | 0.00 | N/A | N/A | N/A | N/A | N/A | 0.00 | 0.00 | 0.06 | 0.49 | 0.50 |
| Shares Out. | 8.8M | 8.4M | 8.3M | 8.4M | 8.9M | 0.6M | 8.8M | 9.4M | 9.0M | 7.6M | 8.1M | 8.6M | 8.4M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20.8 | 10.7 | N/A | 7.3 | 2.1 | 1.9 |
| P/FCF | 5.5 | 1.7 | 1.8 | 1.0 | 0.7 | 0.1 | 1.0 | N/A | 1.6 | 29.2 | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | 98.4 | N/A | N/A | 1.0 | 107.2 | 387.2 | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.8 | 1.1 | 1.0 | 0.7 | 0.3 | 0.5 | 0.6 | 0.8 | 0.6 | 0.6 | 0.6 | 0.6 | 0.5 |
| Price/Sales | 2.1 | 0.6 | 0.3 | 0.4 | 0.5 | 0.2 | 0.2 | 0.3 | 0.3 | 0.2 | 0.2 | 0.3 | 0.3 |
| FCF Yield | 18.1% | 60.4% | 56.8% | 101.8% | 147.3% | 80.3% | 99.6% | -125.5% | 61.1% | 3.4% | -235.1% | -196.7% | -661.0% |
| Market Cap | 1.9B | 902M | 682M | 393M | 179M | 187M | 258M | 376M | 275M | 240M | 244M | 382M | 332M |
| Avg. Price | 496.45 | 128.92 | 52.87 | 54.65 | 55.71 | 26.72 | 17.34 | 29.73 | 29.27 | 28.99 | 27.63 | 37.35 | 39.44 |
| Year-End Price | 214.80 | 107.85 | 82.50 | 46.50 | 20.10 | 20.85 | 29.48 | 40.07 | 30.46 | 31.37 | 30.22 | 44.19 | 39.44 |
ONITY GROUP INC. passes 1 of 9 quality checks, indicating weak fundamentals.
ONITY GROUP INC. trades at 1.8x trailing earnings, compared to its 15-year median P/E of 9.0x, suggesting it is currently Cheap relative to its historical range. The company's 5-year average ROIC is 3.9%. Total shareholder yield (dividends) is 1.3%. At current prices, the estimated annualized return to fair value is -17.7%.
ONITY GROUP INC. (ONIT) has a net profit margin of 17.4%. This is a healthy margin.
ONITY GROUP INC. (ONIT) generated $-751 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
ONITY GROUP INC. (ONIT) has a debt-to-equity ratio of 1.95. This indicates higher leverage, which may increase financial risk.
ONITY GROUP INC. (ONIT) reported earnings per share (EPS) of $21.46 in its most recent fiscal year.
ONITY GROUP INC. (ONIT) has a return on equity (ROE) of 34.6%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 16 years of financial data for ONITY GROUP INC. (ONIT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
ONITY GROUP INC. (ONIT) has a book value per share of $72.68, based on its most recent annual SEC filing.