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ONITOnity Group Inc.
$36.67$309M
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ONIT logoOnity Group Inc.(ONIT)Earnings, Financials & Key Ratios

ONIT•NYSE•Banking & Credit
1.7× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryMortgage FinanceSub-IndustryMortgage servicing and reverse lenders
AboutOnity 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. It 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. 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.Show more
  • Net Interest Income-$343M-467.3%
  • Total Revenue$1.07B-0.2%
  • Net Income$190M+459.0%
  • Return on Equity33.81%+346.2%
  • Net Interest Margin-2.12%-473.3%
  • Efficiency Ratio39.2%+69.1%
  • ROA1.16%+396.3%
  • Equity / Assets3.88%+29.5%
  • Book Value per Share72.73+19.3%

ONIT Key Insights

Onity Group Inc. (ONIT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 39.2% efficiency ratio
  • ✓Diversified revenue: 87.3% from non-interest income
  • ✓Trading at only 0.5x book value

✗Weaknesses

  • ✗High debt to equity ratio of 24.2x
  • ✗Weak NIM of -2.1%
  • ✗Thin capital base
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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ONIT Price & Volume

Onity Group Inc. (ONIT) stock price & volume — 10-year historical chart

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ONIT Growth Metrics

Onity Group Inc. (ONIT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-5.32%
5 Years1.78%
3 Years2.19%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years94.64%
TTM575.68%

EPS CAGR

10 Years-
5 Years-
3 Years96%
TTM558.31%

Return on Capital

10 Years1.42%
5 Years2.31%
3 Years2.42%
Last Year3.67%

ONIT Recent Earnings

Onity Group Inc. (ONIT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$0.79-66.7%
$2.37
Rev
$278M-4.2%
$290M
Q1 2026
Feb 12, 2026
Metric
Actual
Est
EPS
$1.02-58.7%
$2.47
Rev
$290M+1.5%
$286M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$3.44+73.7%
$1.98
Rev
$318M+28.1%
$248M
Q3 2025
Aug 5, 2025
Metric
Actual
Est
EPS
$1.87-10.1%
$2.08
Rev
$279M+8.1%
$258M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$0.79vs $2.37-66.7%
$278Mvs $290M-4.2%
Q1 2026Feb 12, 2026
$1.02vs $2.47-58.7%
$290Mvs $286M+1.5%
Q4 2025Nov 6, 2025
$3.44vs $1.98+73.7%
$318Mvs $248M+28.1%
Q3 2025Aug 5, 2025
$1.87vs $2.08-10.1%
$279Mvs $258M+8.1%
Based on last 12 quarters of dataView full earnings history →

ONIT Peer Comparison

Onity Group Inc. (ONIT) competitors in Mortgage servicing and reverse lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
PFSI logoPFSIPennyMac Financial Services, Inc.Direct Competitor4.3B82.388.86173.81%14.31%12.02%5.35
SVC logoSVCService Properties TrustDirect Competitor280.8M1.69-1.39-4.33%-13.61%-38.18%8.48
VALN logoVALNValneva SEDirect Competitor462.92M5.38-3.543%-88.3%-106.21%1.95
RKT logoRKTRocket Companies, Inc.Direct Competitor40.72B14.42-524.3627.37%2.82%1.53%
UWMC logoUWMCUWM Holdings CorporationDirect Competitor345.31M2.2218.5065.83%1.16%1.67%9.06
WAL logoWALWestern Alliance BancorporationProduct Competitor8.77B79.819.145.17%18.3%12.81%0.82
PMT logoPMTPennyMac Mortgage Investment TrustProduct Competitor891.92M10.2510.35103.82%13.83%7.06%10.12
TWO logoTWOTwo Harbors Investment Corp.Product Competitor1.29B12.32-2.83-28.4%-44.82%-19.11%4.79

Compare ONIT vs Peers

Onity Group Inc. (ONIT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PFSI

Most directly comparable listed peer for ONIT.

Scale Benchmark

vs BLK

Larger-name benchmark to compare ONIT against a more recognizable public peer.

Peer Set

Compare Top 5

vs PFSI, SVC, VALN, RKT

ONIT Income Statement

Onity Group Inc. (ONIT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
-110.96M-89.34M-97.03M-93.37M-117.59M0093.3M-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
15.96M14.03M17.1M16M26.37M0093.3M135.4M150.2M
Interest Expense
126.93M103.37M114.13M109.37M143.97M000478.1M418.1M
Loan Loss Provision
500.49M429.33M422.51M342.63M411.53M540.3M560.1M573.7M-419.2M-17.7M
Non-Interest Income
1.21B1.06B1.12B960.8M1.05B999.5M1.14B976M931.3M1.05B
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
498.15M503.16M372.3M524.8M296.2M188.5M357.8M247.8M418.1M480.2M
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
-15.52M529K15.63M-65.5M-22.4M-800K5.6M5.4M-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-40.2M18.1M25.7M-63.7M33.9M189.5M175M
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)
-15.15-7.95-15.90-4.592.002.97-8.344.2823.07-
Diluted Shares Outstanding
8.47M8.91M8.96M8.75M9.38M9M7.64M8.09M8.63M8.98M

ONIT Balance Sheet

Onity Group Inc. (ONIT) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
264.39M329.13M428.34M284.8M192.8M208M201.6M184.8M180.5M730.1M
Cash & Due from Banks
259.65M329.13M428.34M284.8M192.8M208M201.6M184.8M180.5M182.5M
Short Term Investments
4.74M000000000
Total Investments
6.33M2.84M2.08M023.3M42.2M37.8M000
Investments Growth %
-57.21%-55.14%-26.94%-100%-81.12%-10.43%-100%--200%
Long-Term Investments
1.59M2.84M2.08M023.3M42.2M37.8M000
Accounts Receivables
179.93M134.6M157.37M126.96M119.2M143.8M124.1M144.3M150M365M
Goodwill & Intangibles
1.01B1.46B1.49B1.3B2.26B2.68B2.28B2.47B2.83B0
Goodwill
0000000000
Intangible Assets
1.01B1.46B1.49B1.3B2.26B2.68B2.28B2.47B2.83B0
PP&E (Net)
37.01M33.42M38.27M16.93M13.7M20.2M13.1M11M10.8M11.3M
Other Assets
447.43M320.55M511.02M519.21M442.6M312.9M387.9M478.3M548.2M0
Total Current Assets
6.91B7.57B8.37B8.82B9.4B9.34B9.79B13.47B12.66B547.5M
Total Non-Current Assets
1.5B1.82B2.04B1.84B2.75B3.06B2.72B2.96B3.51B11.3M
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
98.49M53M63.6M02.13M00000
Total Debt
7.02B7.4B8.67B9.29B10.47B10.46B10.93B14.74B15.18B0
Net Debt
6.76B7.07B8.24B9B10.28B10.25B10.73B14.55B15B-182.5M
Long-Term Debt
6.44B7B7.72B9.23B10.41B10.39B10.87B14.67B15.12B0
Short-Term Debt
573.34M407.9M909.14M35.65M44.9M48.1M52M54.1M53.2M0
Other Liabilities
952.43M1.21B1.16B721.22M950.7M1.27B1.01B1.01B170.5M17.06B
Total Current Liabilities
806.61M630.15M1.08B262.09M293.3M264.9M219.9M252.4M247M0
Total Non-Current Liabilities
7.4B8.21B8.92B9.97B11.38B11.68B11.89B15.69B15.3B17.06B
Total Liabilities
7.86B8.84B9.99B10.24B11.67B11.94B12.11B15.94B15.54B17.06B
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
64.5562.2345.9747.4850.8150.7652.6260.9472.7375.62
Tangible BV per Share
-54.53-101.24-119.87-100.59-190.54-247.10-245.77-244.40-254.7575.62
Common Stock
1.31M1.34M90K87K100K100K100K100K100K100K
Additional Paid-in Capital
547.06M554.06M558.06M556.06M592.6M547M554.5M559.3M556.1M0
Retained Earnings
-2.08M3.57M-138.54M-131.68M-113.6M-87.9M-151.6M-117.6M71.9M78.5M
Accumulated OCI
-1.25M-4.26M-7.59M-9.1M-2.4M-2.5M-1.2M1.2M-100K-100K
Treasury Stock
0000000000
Preferred Stock
000000049.9M049.9M

ONIT Cash Flow Statement

Onity Group Inc. (ONIT) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
409.02M272.58M151.94M261M-468.4M173.2M10.4M-651M-748M-599.9M
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-40.2M18.1M25.7M-63.7M33.9M189.5M175M
Depreciation & Amortization
78.67M27.2M31.91M19.12M11M14.8M12.1M8.3M5.4M2.5M
Deferred Taxes
731K-3.29M3.12M-1.4M215K700K00-120.6M0
Other Non-Cash Items
23.35M-17.11M95.5M-12.02M-551.01M135.6M30.7M-644.5M-877.6M-805.7M
Working Capital Changes
428.61M334M159.75M293.1M48.6M-8.2M21.6M-48.7M47.7M42M
Cash from Investing
-839.22M-344.87M-587.44M-527.9M-1.01B-149.1M-100.3M478.5M1.85B1.43B
Purchase of Investments
-1.28B-920.48M-1.03B-1.2B-1.77B-1.67B-1.03B0-953M-517.7M
Sale/Maturity of Investments
0400.52M0944.7M1.63B1.58B1.08B46.3M3.03B1.56B
Net Investment Activity
-1.28B-519.96M-1.03B-258.9M-144.1M-83.9M44.6M46.3M2.08B1.04B
Acquisitions
0103.5M07.53M-27.93M-19M030.7M00
Other Investing
449.11M80.6M440.67M796K14.2M-40.7M-142.7M672.4M-228.1M443.5M
Cash from Financing
430.36M166.74M530.83M131.8M1.38B-13.4M70.8M182.9M-1.1B-800.1M
Dividends Paid
00000000-4.2M-3.2M
Share Repurchases
000-4.6M0-50M0000
Stock Issued
13.91M0009.9M0020M-3.5M0
Net Stock Activity
13.91M00-4.6M9.9M-50M020M-3.5M0
Debt Issuance (Net)
1000K1000K1000K1000K1000K-1000K1000K1000K-1000K1000K
Other Financing
52.28M54.76M-225.12M-58K-533K87.7M-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
0000000100K042.6M
Cash at Beginning
302.4M302.56M397.01M492.34M357.2M263.5M274.2M255.1M265.6M264.6M
Cash at End
302.56M397.01M492.34M357.26M263.5M274.2M255.1M265.6M264.6M307.2M
Interest Paid
128.39M100.17M111.14M00168.5M00280.2M153.8M
Income Taxes Paid
23.5M10.96M4.08M000007.6M5.7M
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%

ONIT Banking Ratios

Onity Group Inc. (ONIT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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
64.5562.2345.9747.4850.8150.7652.6260.9472.7375.62
NII Growth
71.8%19.48%-8.6%3.77%-25.95%100%---467.31%-437.11%
Dividend Payout
---------0.63%
Related:ONIT Dividend History·ONIT Revenue History·ONIT Price History·ONIT P/E History·ONIT Financial Ratios·ONIT Institutional Holders

ONIT SEC Filings & Documents

Onity Group Inc. (ONIT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Mar 3, 2026·SEC

Material company update

Feb 24, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 17, 2026·SEC

FY 2025

Feb 21, 2025·SEC

FY 2024

Feb 27, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 5, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 5, 2025·SEC

ONIT Frequently Asked Questions

Onity Group Inc. (ONIT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

Yes, Onity Group Inc. (ONIT) pays a dividend with a yield of 1.33%. 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.

Industry Metrics

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.

What if you invested $1,000 in ONIT back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in ONIT be worth today?

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