8-K Announcements
6May 5, 2026·SEC
Mar 3, 2026·SEC
Feb 24, 2026·SEC
Onity Group Inc. (ONIT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Onity Group Inc. (ONIT) stock price & volume — 10-year historical chart
Onity Group Inc. (ONIT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Onity Group Inc. (ONIT) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $0.74vs $2.37-68.8% | $278Mvs $290M-4.2% |
| Q1 2026 | Feb 12, 2026 | $1.02vs $2.47-58.7% | $290Mvs $286M+1.5% |
| Q4 2025 | Nov 6, 2025 | $3.44vs $1.98+73.7% | $318Mvs $248M+28.1% |
| Q3 2025 | Aug 5, 2025 | $1.87vs $2.08-10.1% | $279Mvs $258M+8.1% |
Onity Group Inc. (ONIT) competitors in Mortgage servicing and reverse lenders — business model, growth, and fundamentals comparison
Onity Group Inc. (ONIT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Onity Group Inc. (ONIT) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -110.96M | -89.34M | -97.03M | -93.37M | -117.59M | 0 | 0 | 93.3M | -342.7M | -268M |
| NII Growth % | 71.8% | 19.48% | -8.6% | 3.77% | -25.95% | 100% | - | - | -467.31% | -1383.99% |
| Net Interest Margin % | -1.32% | -0.95% | -0.93% | -0.88% | -0.97% | 0% | 0% | 0.57% | -2.12% | -1.51% |
| Interest Income | 15.96M | 14.03M | 17.1M | 16M | 26.37M | 0 | 0 | 93.3M | 135.4M | 150.2M |
| Interest Expense | 126.93M | 103.37M | 114.13M | 109.37M | 143.97M | 0 | 0 | 0 | 478.1M | 418.1M |
| Loan Loss Provision | 500.49M | 429.33M | 422.51M | 342.63M | 411.53M | 540.3M | 560.1M | 573.7M | -419.2M | -17.7M |
| Non-Interest Income | 1.21B | 1.06B | 1.12B | 960.8M | 1.05B | 999.5M | 1.14B | 976M | 931.3M | 1.05B |
| Non-Interest Income % | 98.69% | 98.7% | 98.5% | 98.36% | 97.55% | 100% | 100% | 91.27% | 87.31% | 87.47% |
| Total Revenue | 1.22B▲ 0% | 1.08B▼ 11.8% | 1.14B▲ 5.9% | 976.8M▼ 14.4% | 1.08B▲ 10.2% | 999.5M▼ 7.2% | 1.14B▲ 14.5% | 1.07B▼ 6.6% | 1.07B▼ 0.2% | 1.2B▲ 0% |
| Revenue Growth % | -13.69% | -11.79% | 5.89% | -14.35% | 10.21% | -7.15% | 14.52% | -6.58% | -0.24% | 41.27% |
| Non-Interest Expense | 498.15M | 503.16M | 372.3M | 524.8M | 296.2M | 188.5M | 357.8M | 247.8M | 418.1M | 480.2M |
| Efficiency Ratio | 40.8% | 46.72% | 32.64% | 53.73% | 27.52% | 18.86% | 31.26% | 23.17% | 39.2% | 40.05% |
| Operating Income | 95.51M▲ 0% | 41.2M▼ 56.9% | 231.53M▲ 461.9% | 0▼ 100.0% | 224.8M▲ 0% | 270.7M▲ 20.4% | 226.7M▼ 16.3% | 247.8M▲ 9.3% | 589.7M▲ 138.0% | 318.3M▲ 0% |
| Operating Margin % | 7.82% | 3.83% | 20.3% | 0% | 20.88% | 27.08% | 19.81% | 23.17% | 55.28% | 26.55% |
| Operating Income Growth % | 143.2% | -56.86% | 461.92% | -100% | - | 20.42% | -16.25% | 9.31% | 137.97% | - |
| Pretax Income | -143.97M▲ 0% | -71.48M▲ 50.4% | -126.49M▼ 77.0% | -105.7M▲ 16.4% | -4.3M▲ 95.9% | 24.9M▲ 679.1% | -58.1M▼ 333.3% | 39.3M▲ 167.6% | 62.7M▲ 59.5% | 61.5M▲ 0% |
| Pretax Margin % | -11.79% | -6.64% | -11.09% | -10.82% | -0.4% | 2.49% | -5.08% | 3.68% | 5.88% | 5.13% |
| Income Tax | -15.52M | 529K | 15.63M | -65.5M | -22.4M | -800K | 5.6M | 5.4M | -126.8M | -113.5M |
| Effective Tax Rate % | 10.78% | -0.74% | -12.36% | 61.97% | 520.93% | -3.21% | -9.64% | 13.74% | -202.23% | -184.55% |
| Net Income | -127.97M▲ 0% | -70.77M▲ 44.7% | -142.13M▼ 100.8% | -40.2M▲ 71.7% | 18.1M▲ 145.0% | 25.7M▲ 42.0% | -63.7M▼ 347.9% | 33.9M▲ 153.2% | 189.5M▲ 459.0% | 175M▲ 0% |
| Net Margin % | -10.48% | -6.57% | -12.46% | -4.12% | 1.68% | 2.57% | -5.57% | 3.17% | 17.77% | 14.6% |
| Net Income Growth % | 35.94% | 44.69% | -100.82% | 71.71% | 145.02% | 41.99% | -347.86% | 153.22% | 459% | 575.68% |
| Net Income (Continuing) | -128.46M | -72M | -142.13M | -40.2M | 18.1M | 25.7M | -63.7M | 33.9M | 189.5M | 175M |
| EPS (Diluted) | -15.15▲ 0% | -7.95▲ 47.5% | -15.90▼ 100.0% | -4.59▲ 71.1% | 1.93▲ 142.0% | 2.85▲ 47.7% | -8.34▼ 392.6% | 4.13▲ 149.5% | 21.46▲ 419.6% | 19.48▲ 0% |
| EPS Growth % | 37.32% | 47.52% | -100% | 71.13% | 142.05% | 47.67% | -392.63% | 149.52% | 419.61% | 558.31% |
| EPS (Basic) | -15.15 | -7.95 | -15.90 | -4.59 | 2.00 | 2.97 | -8.34 | 4.28 | 23.07 | - |
| Diluted Shares Outstanding | 8.47M | 8.91M | 8.96M | 8.75M | 9.38M | 9M | 7.64M | 8.09M | 8.63M | 8.98M |
Onity Group Inc. (ONIT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 264.39M | 329.13M | 428.34M | 284.8M | 192.8M | 208M | 201.6M | 184.8M | 180.5M | 730.1M |
| Cash & Due from Banks | 259.65M | 329.13M | 428.34M | 284.8M | 192.8M | 208M | 201.6M | 184.8M | 180.5M | 182.5M |
| Short Term Investments | 4.74M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 6.33M | 2.84M | 2.08M | 0 | 23.3M | 42.2M | 37.8M | 0 | 0 | 0 |
| Investments Growth % | -57.21% | -55.14% | -26.94% | -100% | - | 81.12% | -10.43% | -100% | - | -200% |
| Long-Term Investments | 1.59M | 2.84M | 2.08M | 0 | 23.3M | 42.2M | 37.8M | 0 | 0 | 0 |
| Accounts Receivables | 179.93M | 134.6M | 157.37M | 126.96M | 119.2M | 143.8M | 124.1M | 144.3M | 150M | 365M |
| Goodwill & Intangibles | 1.01B | 1.46B | 1.49B | 1.3B | 2.26B | 2.68B | 2.28B | 2.47B | 2.83B | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 1.01B | 1.46B | 1.49B | 1.3B | 2.26B | 2.68B | 2.28B | 2.47B | 2.83B | 0 |
| PP&E (Net) | 37.01M | 33.42M | 38.27M | 16.93M | 13.7M | 20.2M | 13.1M | 11M | 10.8M | 11.3M |
| Other Assets | 447.43M | 320.55M | 511.02M | 519.21M | 442.6M | 312.9M | 387.9M | 478.3M | 548.2M | 0 |
| Total Current Assets | 6.91B | 7.57B | 8.37B | 8.82B | 9.4B | 9.34B | 9.79B | 13.47B | 12.66B | 547.5M |
| Total Non-Current Assets | 1.5B | 1.82B | 2.04B | 1.84B | 2.75B | 3.06B | 2.72B | 2.96B | 3.51B | 11.3M |
| Total Assets | 8.4B▲ 0% | 9.39B▲ 11.8% | 10.41B▲ 10.8% | 10.65B▲ 2.4% | 12.15B▲ 14.0% | 12.4B▲ 2.1% | 12.51B▲ 0.9% | 16.44B▲ 31.3% | 16.17B▼ 1.6% | 17.74B▲ 0% |
| Asset Growth % | 9.76% | 11.79% | 10.77% | 2.35% | 14.05% | 2.08% | 0.92% | 31.34% | -1.61% | 55.59% |
| Return on Assets (ROA) | -1.59% | -0.8% | -1.44% | -0.38% | 0.16% | 0.21% | -0.51% | 0.23% | 1.16% | 1.05% |
| Accounts Payable | 98.49M | 53M | 63.6M | 0 | 2.13M | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 7.02B | 7.4B | 8.67B | 9.29B | 10.47B | 10.46B | 10.93B | 14.74B | 15.18B | 0 |
| Net Debt | 6.76B | 7.07B | 8.24B | 9B | 10.28B | 10.25B | 10.73B | 14.55B | 15B | -182.5M |
| Long-Term Debt | 6.44B | 7B | 7.72B | 9.23B | 10.41B | 10.39B | 10.87B | 14.67B | 15.12B | 0 |
| Short-Term Debt | 573.34M | 407.9M | 909.14M | 35.65M | 44.9M | 48.1M | 52M | 54.1M | 53.2M | 0 |
| Other Liabilities | 952.43M | 1.21B | 1.16B | 721.22M | 950.7M | 1.27B | 1.01B | 1.01B | 170.5M | 17.06B |
| Total Current Liabilities | 806.61M | 630.15M | 1.08B | 262.09M | 293.3M | 264.9M | 219.9M | 252.4M | 247M | 0 |
| Total Non-Current Liabilities | 7.4B | 8.21B | 8.92B | 9.97B | 11.38B | 11.68B | 11.89B | 15.69B | 15.3B | 17.06B |
| Total Liabilities | 7.86B | 8.84B | 9.99B | 10.24B | 11.67B | 11.94B | 12.11B | 15.94B | 15.54B | 17.06B |
| Total Equity | 546.87M▲ 0% | 554.71M▲ 1.4% | 412.01M▼ 25.7% | 415.37M▲ 0.8% | 476.7M▲ 14.8% | 456.7M▼ 4.2% | 401.8M▼ 12.0% | 492.9M▲ 22.7% | 628M▲ 27.4% | 679.2M▲ 0% |
| Equity Growth % | -16.54% | 1.43% | -25.72% | 0.82% | 14.76% | -4.2% | -12.02% | 22.67% | 27.41% | 86.86% |
| Equity / Assets (Capital Ratio) | 6.51% | 5.9% | 3.96% | 3.9% | 3.92% | 3.68% | 3.21% | 3% | 3.88% | 3.83% |
| Return on Equity (ROE) | -21.29% | -12.85% | -29.4% | -9.72% | 4.06% | 5.51% | -14.84% | 7.58% | 33.81% | 29.91% |
| Book Value per Share | 64.55 | 62.23 | 45.97 | 47.48 | 50.81 | 50.76 | 52.62 | 60.94 | 72.73 | 75.62 |
| Tangible BV per Share | -54.53 | -101.24 | -119.87 | -100.59 | -190.54 | -247.10 | -245.77 | -244.40 | -254.75 | 75.62 |
| Common Stock | 1.31M | 1.34M | 90K | 87K | 100K | 100K | 100K | 100K | 100K | 100K |
| Additional Paid-in Capital | 547.06M | 554.06M | 558.06M | 556.06M | 592.6M | 547M | 554.5M | 559.3M | 556.1M | 0 |
| Retained Earnings | -2.08M | 3.57M | -138.54M | -131.68M | -113.6M | -87.9M | -151.6M | -117.6M | 71.9M | 78.5M |
| Accumulated OCI | -1.25M | -4.26M | -7.59M | -9.1M | -2.4M | -2.5M | -1.2M | 1.2M | -100K | -100K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 49.9M | 0 | 49.9M |
Onity Group Inc. (ONIT) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 409.02M | 272.58M | 151.94M | 261M | -468.4M | 173.2M | 10.4M | -651M | -748M | -748M |
| Operating CF Growth % | -2.9% | -33.36% | -44.26% | 71.78% | -279.46% | 136.98% | -94% | -6359.62% | -14.9% | 779.92% |
| Net Income | -127.97M | -70.6M | -142.13M | -40.2M | 18.1M | 25.7M | -63.7M | 33.9M | 189.5M | 175M |
| Depreciation & Amortization | 78.67M | 27.2M | 31.91M | 19.12M | 11M | 14.8M | 12.1M | 8.3M | 5.4M | 2.5M |
| Deferred Taxes | 731K | -3.29M | 3.12M | -1.4M | 215K | 700K | 0 | 0 | -120.6M | 0 |
| Other Non-Cash Items | 23.35M | -17.11M | 95.5M | -12.02M | -551.01M | 135.6M | 30.7M | -644.5M | -877.6M | -805.7M |
| Working Capital Changes | 428.61M | 334M | 159.75M | 293.1M | 48.6M | -8.2M | 21.6M | -48.7M | 47.7M | 42M |
| Cash from Investing | -839.22M | -344.87M | -587.44M | -527.9M | -1.01B | -149.1M | -100.3M | 478.5M | 1.85B | 1.43B |
| Purchase of Investments | -1.28B | -920.48M | -1.03B | -1.2B | -1.77B | -1.67B | -1.03B | 0 | -953M | -517.7M |
| Sale/Maturity of Investments | 0 | 400.52M | 0 | 944.7M | 1.63B | 1.58B | 1.08B | 46.3M | 3.03B | 1.56B |
| Net Investment Activity | -1.28B | -519.96M | -1.03B | -258.9M | -144.1M | -83.9M | 44.6M | 46.3M | 2.08B | 1.04B |
| Acquisitions | 0 | 103.5M | 0 | 7.53M | -27.93M | -19M | 0 | 30.7M | 0 | 0 |
| Other Investing | 449.11M | 80.6M | 440.67M | 796K | 14.2M | -40.7M | -142.7M | 672.4M | -228.1M | 443.5M |
| Cash from Financing | 430.36M | 166.74M | 530.83M | 131.8M | 1.38B | -13.4M | 70.8M | 182.9M | -1.1B | -800.1M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4.2M | -3.2M |
| Share Repurchases | 0 | 0 | 0 | -4.6M | 0 | -50M | 0 | 0 | 0 | 0 |
| Stock Issued | 13.91M | 0 | 0 | 0 | 9.9M | 0 | 0 | 20M | -3.5M | 0 |
| Net Stock Activity | 13.91M | 0 | 0 | -4.6M | 9.9M | -50M | 0 | 20M | -3.5M | 0 |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
| Other Financing | 52.28M | 54.76M | -225.12M | -58K | -533K | 87.7M | -31M | -1.9M | -8M | -1.08B |
| Net Change in Cash | 162K▲ 0% | 94.45M▲ 58202.5% | 95.33M▲ 0.9% | -135.07M▼ 241.7% | -93.7M▲ 30.6% | 10.7M▲ 111.4% | -19.1M▼ 278.5% | 10.5M▲ 155.0% | -1M▼ 109.5% | 70.3M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100K | 0 | 42.6M |
| Cash at Beginning | 302.4M | 302.56M | 397.01M | 492.34M | 357.2M | 263.5M | 274.2M | 255.1M | 265.6M | 264.6M |
| Cash at End | 302.56M | 397.01M | 492.34M | 357.26M | 263.5M | 274.2M | 255.1M | 265.6M | 264.6M | 307.2M |
| Interest Paid | 128.39M | 100.17M | 111.14M | 0 | 0 | 168.5M | 0 | 0 | 280.2M | 153.8M |
| Income Taxes Paid | 23.5M | 10.96M | 4.08M | 0 | 0 | 0 | 0 | 0 | 7.6M | 5.7M |
| Free Cash Flow | 398.31M▲ 0% | 258.13M▼ 35.2% | 4.32M▼ 98.3% | -16.3M▼ 477.5% | -1.3B▼ 7893.3% | -31.7M▲ 97.6% | -111.8M▼ 252.7% | -688.7M▼ 516.0% | -1.12B▼ 63.2% | -501.5M▲ 0% |
| FCF Growth % | 7.55% | -35.19% | -98.33% | -477.49% | -7893.25% | 97.57% | -252.68% | -516.01% | -63.25% | 31.68% |
Onity Group Inc. (ONIT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -21.29% | -12.85% | -29.4% | -9.72% | 4.06% | 5.51% | -14.84% | 7.58% | 33.81% | 29.91% |
| Return on Assets (ROA) | -1.59% | -0.8% | -1.44% | -0.38% | 0.16% | 0.21% | -0.51% | 0.23% | 1.16% | 1.05% |
| Net Interest Margin | -1.32% | -0.95% | -0.93% | -0.88% | -0.97% | 0% | 0% | 0.57% | -2.12% | -1.51% |
| Efficiency Ratio | 40.8% | 46.72% | 32.64% | 53.73% | 27.52% | 18.86% | 31.26% | 23.17% | 39.2% | 40.05% |
| Equity / Assets | 6.51% | 5.9% | 3.96% | 3.9% | 3.92% | 3.68% | 3.21% | 3% | 3.88% | 3.83% |
| Book Value / Share | 64.55 | 62.23 | 45.97 | 47.48 | 50.81 | 50.76 | 52.62 | 60.94 | 72.73 | 75.62 |
| NII Growth | 71.8% | 19.48% | -8.6% | 3.77% | -25.95% | 100% | - | - | -467.31% | -437.11% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0.63% |
Onity Group Inc. (ONIT) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 5, 2026·SEC
Mar 3, 2026·SEC
Feb 24, 2026·SEC
Onity Group Inc. (ONIT) stock FAQ — growth, dividends, profitability & financials explained
Onity Group Inc. (ONIT) saw revenue decline by 0.2% over the past year.
Yes, Onity Group Inc. (ONIT) is profitable, generating $175.0M in net income for fiscal year 2025 (17.8% net margin).
Yes, Onity Group Inc. (ONIT) pays a dividend with a yield of 1.26%. This makes it attractive for income-focused investors.
Onity Group Inc. (ONIT) has a return on equity (ROE) of 33.8%. This is excellent, indicating efficient use of shareholder capital.
Onity Group Inc. (ONIT) has a net interest margin (NIM) of -2.1%. NIM has been under pressure due to interest rate environment.
Onity Group Inc. (ONIT) has an efficiency ratio of 39.2%. This is excellent, indicating strong cost control.
Onity Group Inc. (ONIT) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates