| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| PFSIPennyMac Financial Services, Inc. | 7.83B | 150.70 | 25.80 | -21.84% | 19.54% | 11.85% | 5.37 | |
| ONITOnity Group Inc. | 454.63M | 53.35 | 12.92 | -6.58% | 3.17% | 6.2% | 29.90 | |
| GHLDGuild Holdings Company | 439.06M | 20.01 | 12.83 | 60.87% | 8.27% | 10.18% | 2.42 | |
| SNFCASecurity National Financial Corporation | 202.03M | 9.02 | 8.51 | -14.2% | 323.91% | 5.1% | 27.15% | 0.32 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -464.05M | -393.5M | -110.96M | -89.34M | -97.03M | -93.37M | -117.59M | 0 | 0 | 93.3M |
| NII Growth % | 0.11% | 0.15% | 0.72% | 0.19% | -0.09% | 0.04% | -0.26% | 1% | - | - |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 18.32M | 19.08M | 15.96M | 14.03M | 17.1M | 16M | 26.37M | 0 | 0 | 93.3M |
| Interest Expense | 482.37M | 412.58M | 126.93M | 103.37M | 114.13M | 109.37M | 143.97M | 0 | 0 | 0 |
| Loan Loss Provision | 759.62M | 570.09M | 500.49M | 429.33M | 422.51M | 342.63M | 411.53M | 540.3M | 560.1M | 573.7M |
| Non-Interest Income | 1.83B | 1.4B | 1.21B | 1.06B | 1.12B | 960.8M | 1.05B | 999.5M | 1.14B | 976M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 1.84B | 1.41B | 1.22B | 1.08B | 1.14B | 976.8M | 1.08B | 999.5M | 1.14B | 1.07B |
| Revenue Growth % | -0.14% | -0.23% | -0.14% | -0.12% | 0.06% | -0.14% | 0.1% | -0.07% | 0.15% | -0.07% |
| Non-Interest Expense | 718.57M | 653.16M | 498.15M | 503.16M | 372.3M | 524.8M | 296.2M | 188.5M | 357.8M | 247.8M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -117.22M | -221.1M | 95.51M | 41.2M | 231.53M | 0 | 224.8M | 270.7M | 226.7M | 247.8M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | -2.54% | -0.89% | 1.43% | -0.57% | 4.62% | -1% | - | 0.2% | -0.16% | 0.09% |
| Pretax Income | -129.86M | -206.36M | -143.97M | -71.48M | -126.49M | -105.7M | -4.3M | 24.9M | -58.1M | 39.3M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 116.85M | -6.99M | -15.52M | 529K | 15.63M | -65.5M | -22.4M | -800K | 5.6M | 5.4M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -247.02M | -199.76M | -127.97M | -70.77M | -142.13M | -40.2M | 18.1M | 25.7M | -63.7M | 33.9M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | 0.47% | 0.19% | 0.36% | 0.45% | -1.01% | 0.72% | 1.45% | 0.42% | -3.48% | 1.53% |
| Net Income (Continuing) | -246.71M | -199.38M | -128.46M | -72M | -142.13M | -40.2M | 18.1M | 25.7M | -63.7M | 33.9M |
| EPS (Diluted) | -29.55 | -24.17 | -15.15 | -7.95 | -15.90 | -4.59 | 1.93 | 2.85 | -8.34 | 4.13 |
| EPS Growth % | 0.53% | 0.18% | 0.37% | 0.48% | -1% | 0.71% | 1.42% | 0.48% | -3.93% | 1.5% |
| EPS (Basic) | -29.55 | -24.17 | -15.15 | -7.95 | -15.90 | -4.59 | 2.00 | 2.97 | -8.34 | 4.28 |
| Diluted Shares Outstanding | 8.35M | 8.27M | 8.47M | 8.91M | 8.96M | 8.75M | 9.38M | 9M | 7.64M | 8.09M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 257.27M | 256.55M | 259.65M | 329.13M | 428.34M | 284.8M | 192.8M | 208M | 201.6M | 184.8M |
| Short Term Investments | 0 | 0 | 1000K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 7.99M | 14.8M | 6.33M | 2.84M | 2.08M | 0 | 23.3M | 42.2M | 37.8M | 0 |
| Investments Growth % | 0.09% | 0.85% | -0.57% | -0.55% | -0.27% | -1% | - | 0.81% | -0.1% | -1% |
| Long-Term Investments | 7.99M | 14.8M | 1.59M | 2.84M | 2.08M | 0 | 23.3M | 42.2M | 37.8M | 0 |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 1.14B | 1.04B | 1.01B | 1.46B | 1.49B | 1.3B | 2.26B | 2.68B | 2.28B | 2.47B |
| PP&E (Net) | 57.63M | 62.74M | 37.01M | 33.42M | 38.27M | 16.93M | 13.7M | 20.2M | 13.1M | 11M |
| Other Assets | 387.59M | 266.9M | 447.43M | 320.55M | 511.02M | 519.21M | 442.6M | 312.9M | 387.9M | 478.3M |
| Total Current Assets | 5.79B | 6.27B | 6.91B | 7.57B | 8.37B | 8.82B | 9.4B | 9.34B | 9.79B | 13.47B |
| Total Non-Current Assets | 1.59B | 1.39B | 1.5B | 1.82B | 2.04B | 1.84B | 2.75B | 3.06B | 2.72B | 2.96B |
| Total Assets | 7.38B | 7.66B | 8.4B | 9.39B | 10.41B | 10.65B | 12.15B | 12.4B | 12.51B | 16.44B |
| Asset Growth % | -0.11% | 0.04% | 0.1% | 0.12% | 0.11% | 0.02% | 0.14% | 0.02% | 0.01% | 0.31% |
| Return on Assets (ROA) | -0.03% | -0.03% | -0.02% | -0.01% | -0.01% | -0% | 0% | 0% | -0.01% | 0% |
| Accounts Payable | 18.54M | 122.65M | 98.49M | 53M | 63.6M | 0 | 2.13M | 0 | 0 | 0 |
| Total Debt | 5.54B | 6.08B | 7.02B | 7.4B | 8.67B | 9.29B | 10.47B | 10.46B | 10.93B | 14.74B |
| Net Debt | 5.28B | 5.83B | 6.76B | 7.07B | 8.24B | 9B | 10.28B | 10.25B | 10.73B | 14.55B |
| Long-Term Debt | 5.53B | 5.38B | 6.44B | 7B | 7.72B | 9.23B | 10.41B | 10.39B | 10.87B | 14.67B |
| Short-Term Debt | 14.3M | 706.92M | 573.34M | 407.9M | 909.14M | 35.65M | 44.9M | 48.1M | 52M | 54.1M |
| Other Liabilities | 769.1M | 607.04M | 952.43M | 1.21B | 1.16B | 721.22M | 950.7M | 1.27B | 1.01B | 1.01B |
| Total Current Liabilities | 229.7M | 1.01B | 806.61M | 630.15M | 1.08B | 262.09M | 293.3M | 264.9M | 219.9M | 252.4M |
| Total Non-Current Liabilities | 6.3B | 5.99B | 7.4B | 8.21B | 8.92B | 9.97B | 11.38B | 11.68B | 11.89B | 15.69B |
| Total Liabilities | 6.53B | 7B | 7.86B | 8.84B | 9.99B | 10.24B | 11.67B | 11.94B | 12.11B | 15.94B |
| Total Equity | 854.64M | 655.28M | 546.87M | 554.71M | 412.01M | 415.37M | 476.7M | 456.7M | 401.8M | 492.9M |
| Equity Growth % | -0.18% | -0.23% | -0.17% | 0.01% | -0.26% | 0.01% | 0.15% | -0.04% | -0.12% | 0.23% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -0.26% | -0.26% | -0.21% | -0.13% | -0.29% | -0.1% | 0.04% | 0.06% | -0.15% | 0.08% |
| Book Value per Share | 102.30 | 79.27 | 64.55 | 62.23 | 45.97 | 47.48 | 50.81 | 50.76 | 52.62 | 60.94 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 1.25M | 1.24M | 1.31M | 1.34M | 90K | 87K | 100K | 100K | 100K | 100K |
| Additional Paid-in Capital | 526.15M | 527M | 547.06M | 554.06M | 558.06M | 556.06M | 592.6M | 547M | 554.5M | 559.3M |
| Retained Earnings | 325.93M | 126.17M | -2.08M | 3.57M | -138.54M | -131.68M | -113.6M | -87.9M | -151.6M | -117.6M |
| Accumulated OCI | -1.76M | -1.45M | -1.25M | -4.26M | -7.59M | -9.1M | -2.4M | -2.5M | -1.2M | 1.2M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 49.9M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 581.68M | 421.23M | 409.02M | 272.58M | 151.94M | 261M | -468.4M | 173.2M | 10.4M | -651M |
| Operating CF Growth % | 0.65% | -0.28% | -0.03% | -0.33% | -0.44% | 0.72% | -2.79% | 1.37% | -0.94% | -63.6% |
| Net Income | -247.02M | -199.38M | -127.97M | -70.6M | -142.13M | -40.2M | 18.1M | 25.7M | -63.7M | 33.9M |
| Depreciation & Amortization | 118.35M | 25.34M | 78.67M | 27.2M | 31.91M | 19.12M | 11M | 14.8M | 12.1M | 8.3M |
| Deferred Taxes | 68.93M | 4.52M | 731K | -3.29M | 3.12M | -1.4M | 215K | 700K | 0 | 0 |
| Other Non-Cash Items | 165.75M | 11.87M | 23.35M | -17.11M | 95.5M | -12.02M | -551.01M | 135.6M | 30.7M | -644.5M |
| Working Capital Changes | 468.37M | 573.69M | 428.61M | 334M | 159.75M | 293.1M | 48.6M | -8.2M | 21.6M | -48.7M |
| Cash from Investing | 280.37M | -791.62M | -839.22M | -344.87M | -587.44M | -527.9M | -1.01B | -149.1M | -100.3M | 478.5M |
| Purchase of Investments | -1.01B | -1.1B | -1.28B | -920.48M | -1.03B | -1.2B | -1.77B | -1.67B | -1.03B | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 0 | 1000K | 0 | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 103.5M | 0 | 7.53M | -27.93M | -19M | 0 | 30.7M |
| Other Investing | 1.17B | 97.06M | 449.11M | 80.6M | 440.67M | 796K | 14.2M | -40.7M | -142.7M | 672.4M |
| Cash from Financing | -734.25M | 316.23M | 430.36M | 166.74M | 530.83M | 131.8M | 1.38B | -13.4M | 70.8M | 182.9M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -4.14M | -5.89M | 0 | 0 | 0 | -4.6M | 0 | -50M | 0 | 0 |
| Stock Issued | 0 | 0 | 13.91M | 0 | 0 | 0 | 9.9M | 0 | 0 | 20M |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K |
| Other Financing | -16.35M | -11.19M | 52.28M | 54.76M | -225.12M | -58K | -533K | 87.7M | -31M | -1.9M |
| Net Change in Cash | 127.8M | -54.16M | 162K | 94.45M | 95.33M | -135.07M | -93.7M | 10.7M | -19.1M | 10.5M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100K |
| Cash at Beginning | 129.47M | 356.56M | 302.4M | 302.56M | 397.01M | 492.34M | 357.2M | 263.5M | 274.2M | 255.1M |
| Cash at End | 257.27M | 302.4M | 302.56M | 397.01M | 492.34M | 357.26M | 263.5M | 274.2M | 255.1M | 265.6M |
| Interest Paid | 470.72M | 389.64M | 128.39M | 100.17M | 111.14M | 0 | 0 | 168.5M | 0 | 0 |
| Income Taxes Paid | 5.71M | 19.71M | 23.5M | 10.96M | 4.08M | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 531.84M | 370.35M | 398.31M | 258.13M | 4.32M | -16.3M | -1.3B | -31.7M | -111.8M | -688.7M |
| FCF Growth % | 0.67% | -0.3% | 0.08% | -0.35% | -0.98% | -4.77% | -78.93% | 0.98% | -2.53% | -5.16% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -26.06% | -26.46% | -21.29% | -12.85% | -29.4% | -9.72% | 4.06% | 5.51% | -14.84% | 7.58% |
| Return on Assets (ROA) | -3.16% | -2.66% | -1.59% | -0.8% | -1.44% | -0.38% | 0.16% | 0.21% | -0.51% | 0.23% |
| Net Interest Margin | -6.29% | -5.14% | -1.32% | -0.95% | -0.93% | -0.88% | -0.97% | 0% | 0% | 0.57% |
| Efficiency Ratio | 38.98% | 46.17% | 40.8% | 46.72% | 32.64% | 53.73% | 27.52% | 18.86% | 31.26% | 23.17% |
| Equity / Assets | 11.58% | 8.56% | 6.51% | 5.9% | 3.96% | 3.9% | 3.92% | 3.68% | 3.21% | 3% |
| Book Value / Share | 102.3 | 79.27 | 64.55 | 62.23 | 45.97 | 47.48 | 50.81 | 50.76 | 52.62 | 60.94 |
| NII Growth | 10.55% | 15.2% | 71.8% | 19.48% | -8.6% | 3.77% | -25.95% | 100% | - | - |
Onity Group Inc. (ONIT) has a price-to-earnings (P/E) ratio of 12.9x. This may indicate the stock is undervalued or faces growth challenges.
Onity Group Inc. (ONIT) saw revenue decline by 6.6% over the past year.
Yes, Onity Group Inc. (ONIT) is profitable, generating $34.2M in net income for fiscal year 2024 (3.2% net margin).
Onity Group Inc. (ONIT) has a return on equity (ROE) of 7.6%. This is below average, suggesting room for improvement.
Onity Group Inc. (ONIT) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.
Onity Group Inc. (ONIT) has an efficiency ratio of 23.2%. This is excellent, indicating strong cost control.