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Onity Group Inc. ONIT R2K

Financial Services · Mortgage Finance · United States
https://www.onitygroup.com

Onity Group Inc., a financial services company, originates and services forward and reserve mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. The company operates through the Servicing and Originations segments. The company offers owned mortgage servicing rights and subservicing products; conventional, government-insured, and non-agency mortgage loans, as well as reverse mortgage and multi-family loans; and residential forward mortgage and small commercial mortgage loans. It also originates and purchases conventional and government-insured residential forward and reverse mortgage loans through its correspondent lending arrangements, broker relationships, and retail channels. In addition, the company engages in reinsurance business. The company offers its services under the PHH Mortgage and Liberty Reverse Mortgage brands. It serves financial institutions. The company was formerly known as Ocwen Financial Corporation and changed its name to Onity Group Inc. in June 2024. Onity Group Inc. was founded in 1988 and is headquartered in West Palm Beach, Florida.

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$34.54
-6.80% 1Y

Market & Price

Market Cap
$291.25M
Current Price
$34.54
High / Low (52W)
$53.35 / $34.37
Beta
1.56

Valuation

Stock P/E
1.75
Industry PE
12.01
Forward P/E
3.50
PEG Ratio
0.62
Book Value
$74.81
Price to Book
0.46
P/S
0.26
EV/EBITDA
26.57
Dividend Yield
-

Profitability & Returns

ROCE
1.46%
ROE
29.43%
ROA
2.23%
Profit Margin
15.75%
Op Margin
55.11%
EPS (Latest Qtr)
$0.74
EPS (TTM)
$19.70

Balance Sheet & Liquidity

Debt/Equity
23.75
Quick Ratio
0.41
Current Ratio
3.19
Debt
$16.13B
Total Assets
$16.17B
Current Assets
$12.66B
Working Capital
$12.41B

Ownership

Promoter Holding
19.21%
Chg in Prom Hold
-
FII / Inst Holding
59.26%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$16.28B
Total Revenue (TTM)
$1.11B
EBITDA
$612.50M
Free Cash Flow
$-1.91B
Operating Cash Flow
$-2.19B
Shares Outstanding
8.43M
Gross Margin
94.20%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
6.35%
Profit 5Y
94.64%
Revenue (YoY)
17.80%
Earnings (YoY)
-70.40%

PROS

  • Strong return on equity of 29.4%.
  • Profit CAGR of 94.6% over 5 years.

CONS

  • Trading 35.3% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ONIT Onity Group Inc. R2K 34.54 1.75 $291.25M - 1.46% 29.43% 6.35% 94.64%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 404.95M362.46M330.76M373.05M359.45M323.90M321.86M311.30M284.64M276.77M260.26M253.58M238.28M310.93M303.89M274.34M283.51M261.63M253.84M227.02M249.03M231.01M207.59M265.44M283.10M231.60M222.20M249.70M261.80M272.00M255.50M239.10M246.40M--276.00M278.70M317.90M329.50M335.30M
Cost of Revenue -----------------------------------137.40M149.50M161.80M171.20M170.90M
Gross Profit -----------------------------------138.60M129.20M156.10M158.30M164.40M
Operating Expenses -----------------------------------88.30M63.00M91.90M107.00M112.90M
Operating Income -----------------------------------50.30M66.20M64.20M51.30M51.50M
EBITDA -----------------------------------51.80M67.50M65.40M52.70M52.90M
Interest Expense ----------------------------------------
Pretax Income -----------------------------------9.10M22.80M23.10M7.70M7.90M
Tax Provision ------------------------------------13.00M1.30M4.40M-119.50M300.00K
Net Income -66.87M--111.33M-87.38M9.39M--32.72M-44.51M-6.25M-2.55M-29.83M-41.15M--44.49M-89.74M-42.77M--25.49M1.95M-9.42M-8.54M-10.32M21.55M58.10M10.40M36.90M-40.20M15.50M8.50M30.10M10.50M--22.10M21.50M18.70M127.20M7.60M
Diluted EPS -0.53-1.79-0.90-0.710.08-0.08-0.26-0.36-0.05-0.340.02-0.22-0.31--4.98-10.01-4.773.87-2.840.23-1.09-0.830.96-1.152.296.011.114.17-5.341.951.053.741.332.65-2.502.402.03-0.74

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 380.73M360.38M495.89M845.20M2.04B2.11B1.74B1.39B1.19B1.06B1.12B960.90M-999.50M1.14B1.07B1.20B
Cost of Revenue -------------540.30M560.10M573.70M620.10M
Gross Profit -------------459.20M584.50M495.60M582.10M
Operating Expenses -------------188.50M357.80M247.80M350.00M
Operating Income 145.07M123.91M256.34M481.30M736.98M76.12M-------270.70M226.70M247.80M232.10M
EBITDA -------------285.50M238.80M256.10M237.50M
Interest Expense ------------143.97M----
Pretax Income -------------24.90M-58.10M39.30M62.70M
Tax Provision --------------800.00K5.60M5.30M-126.80M
Net Income 297.00K37.98M78.33M180.92M310.42M-469.80M-247.02M-199.76M-127.97M-70.77M-142.12M-40.20M-25.70M-63.70M33.90M189.50M
Diluted EPS -0.360.711.312.13-3.60-1.97-1.61-1.01--15.86-4.59-2.85-8.344.1321.46

Compounded Sales Growth

5 Years:6.35%
1 Year:17.80%

Compounded Profit Growth

5 Years:94.64%
1 Year:-70.40%

Stock Price Performance

1 Year:-6.80%
6 Months:-22.05%
3 Months:-17.59%
1 Month:-24.59%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --2.92B4.73B5.69B7.93B8.24B7.38B7.66B8.40B9.39B10.41B10.65B-12.40B12.51B16.44B16.17B
Current Assets --------------9.34B9.79B13.47B12.66B
Cash & Equivalents --------256.55M259.65M329.13M428.34M284.80M-208.00M201.60M184.80M180.50M
Inventory ------------------
Receivables --------------178.10M149.20M162.40M166.50M
Total Liabilities --2.02B3.38B3.92B6.05B7.23B6.53B7.00B7.86B8.84B9.99B10.24B-11.94B12.11B15.99B15.54B
Current Liabilities --------------264.90M219.90M251.20M247.00M
Long Term Debt ----3.33B4.14B4.17B2.72B------10.39B10.87B15.52B15.12B
Total Debt --------------10.46B10.93B15.58B15.18B
Total Equity 609.64M865.86M904.57M1.34B1.61B1.81B1.04B851.56M652.96M545.04M554.71M---456.70M401.80M443.00M628.00M
Shares Outstanding --------------7.53M7.68M7.87M8.52M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 206.65M727.54M982.14M1.82B884.42M352.52M581.68M421.23M409.02M272.58M151.94M261.00M-173.20M10.40M-573.80M-748.00M
Investing Cash Flow -3.16M-1.70B-2.66B262.87M-2.41B-958.25M280.37M-791.62M-839.22M-344.87M-587.44M-527.90M--149.10M-100.30M401.30M1.85B
Financing Cash Flow -313.59M1.01B1.69B-2.00B1.49B556.68M-734.25M316.23M430.36M166.74M530.83M131.80M--13.40M70.80M182.90M-1.10B
Capital Expenditure -3.70M-3.82M-3.82M-19.22M-28.91M-11.43M-37.49M-33.52M-9.05M-9.02M-1.95M-4.10M--204.90M-122.20M-233.20M-376.30M
Free Cash Flow 202.95M723.72M978.32M1.80B855.50M341.09M544.20M387.71M399.97M263.56M149.99M256.90M--31.70M-111.80M-807.00M-1.12B
Net Change in Cash -------------10.70M-19.10M10.50M-1.00M
Share Buybacks 11.00M-00217.90M382.49M4.14M5.89M0004.60M050.00M0--

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------45.9%51.1%46.3%48.4%
Operating Margin % 38.1%34.4%51.7%56.9%36.2%3.6%-------27.1%19.8%23.2%19.3%
Net Margin % 0.1%10.5%15.8%21.4%15.2%-22.3%-14.2%-14.4%-10.7%-6.7%-12.7%-4.2%-2.6%-5.6%3.2%15.8%
ROE % 0.0%4.2%5.8%11.2%17.1%-45.2%-29.0%-30.6%-23.5%-12.8%---5.6%-15.9%7.7%30.2%
ROCE % -------------2.2%1.8%1.5%1.5%

Shareholding Pattern

Insiders
19.21%
Institutions
59.26%
Public Float
73.35%

Top Institutional Holders

#Holder% HeldSharesValue
1 Long Focus Capital Management, LLC 6.41% 540.60K $18.67M
2 Blackrock Inc. 5.83% 491.80K $16.99M
3 Dimensional Fund Advisors LP 5.51% 464.45K $16.04M
4 Vanguard Capital Management LLC 3.29% 277.72K $9.59M
5 Wellington Management Group, LLP 3.05% 257.59K $8.90M
6 Deer Park Road Corp 3.01% 254.05K $8.78M
7 Prescott Group Capital Management, L.L.C. 2.52% 212.59K $7.34M
8 American Century Companies Inc 2.41% 203.31K $7.02M
9 Geode Capital Management, LLC 1.95% 164.84K $5.69M
10 State Street Corporation 1.65% 139.29K $4.81M

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