Onity Group Inc. (ONIT) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Financial - Mortgages
EV/EBITDA
↓
25.69
↓-39% vs avg
5yr avg: 41.83
30Y Low25.9·High57.8
P/FCF
N/A
—
5yr avg: N/A
P/B Ratio
↑
0.47
↓-17% vs avg
5yr avg: 0.57
30Y Low0.5·High0.6
ROE
↑
33.8%
↓+368% vs avg
5yr avg: 7.2%
30Y Low-32%·High46%
Debt/EBITDA
↓
25.51
↓-39% vs avg
5yr avg: 41.97
30Y Low1.0·High45.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ONIT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Onity Group Inc. trades at 1.6x earnings, 66% below its 5-year average of 4.8x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 88%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $290M | $395M | $248M | — | — | — | — | — | — | — | — |
| Enterprise Value | $15.3B | $15.4B | $14.8B | — | — | — | — | — | — | — | — |
| P/E Ratio → | 1.60 | 2.13 | 7.44 | — | — | — | — | — | — | — | — |
| P/S Ratio | 0.27 | 0.37 | 0.23 | — | — | — | — | — | — | — | — |
| P/B Ratio | 0.47 | 0.63 | 0.50 | — | — | — | — | — | — | — | — |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
ONIT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Onity Group Inc.'s enterprise value stands at 25.7x EBITDA, 39% below its 5-year average of 41.8x. The Financial Services sector median is 11.4x, placing the stock at a 125% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 14.43 | 13.84 | — | — | — | — | — | — | — | — |
| EV / EBITDA | 25.69 | 25.87 | 57.80 | — | — | — | — | — | — | — | — |
| EV / EBIT | 25.93 | 26.77 | 59.73 | — | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
ONIT Profitability
Margins and return-on-capital ratios measuring operating efficiency
Onity Group Inc. earns an operating margin of 55.3%, significantly above the Financial Services sector average of 20.2%. Operating margins have expanded from 19.8% to 55.3% over the past 3 years, signaling improving operational efficiency. Return on equity of 33.8% is exceptionally high — well above the sector median of 9.0%. ROIC of 2.9% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 94.5% | 94.5% | 46.3% | 51.1% | 45.9% | 48.4% | 53.7% | 52.9% | 50.5% | 48.6% | 30.5% |
| Operating Margin | 55.3% | 55.3% | 23.2% | 19.8% | 27.1% | 20.9% | — | 20.3% | 3.8% | 7.8% | -15.6% |
| Net Profit Margin | 17.8% | 17.8% | 3.2% | -5.6% | 2.6% | 1.7% | -4.1% | -12.5% | -6.6% | -10.5% | -14.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 33.8% | 33.8% | 7.6% | -14.8% | 5.5% | 4.1% | -9.7% | -29.4% | -12.8% | -21.3% | -26.5% |
| ROA | 1.2% | 1.2% | 0.2% | -0.5% | 0.2% | 0.2% | -0.4% | -1.4% | -0.8% | -1.6% | -2.7% |
| ROIC | 2.9% | 2.9% | 1.4% | 1.5% | 1.9% | 1.6% | — | 2.0% | 0.4% | 1.0% | -2.5% |
| ROCE | 3.7% | 3.7% | 1.7% | 1.9% | 2.3% | 2.0% | — | 2.6% | 0.5% | 1.3% | -3.2% |
ONIT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Onity Group Inc. carries a Debt/EBITDA ratio of 25.5x, which is highly leveraged (499% above the sector average of 4.3x). Net debt stands at $15.0B ($15.2B total debt minus $181M cash). Interest coverage of just 1.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 24.17 | 24.17 | 29.90 | 27.21 | 22.90 | 21.97 | 22.36 | 21.04 | 13.35 | 12.83 | 9.28 |
| Debt / EBITDA | 25.51 | 25.51 | 57.55 | 45.78 | 36.63 | 44.41 | 52.92 | 32.91 | 108.23 | 57.33 | — |
| Net Debt / Equity | — | 23.88 | 29.53 | 26.70 | 22.44 | 21.56 | 21.68 | 20.01 | 12.75 | 12.36 | 8.89 |
| Net Debt / EBITDA | 25.20 | 25.20 | 56.83 | 44.93 | 35.90 | 43.59 | 51.30 | 31.29 | 103.42 | 55.21 | — |
| Debt / FCF | — | — | — | — | — | — | — | 1908.85 | 27.41 | 16.96 | 15.74 |
| Interest Coverage | 1.20 | 1.20 | — | — | — | 1.56 | 1.43 | 2.03 | 0.40 | 0.75 | -0.54 |
ONIT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Onity Group Inc.'s current ratio of 51.26x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 44.54x to 51.26x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 51.26 | 51.26 | 53.38 | 44.54 | 35.26 | 32.05 | 33.64 | 7.77 | 12.02 | 8.56 | 6.19 |
| Quick Ratio | 51.26 | 51.26 | 53.38 | 44.54 | 35.26 | 32.05 | 33.64 | 7.77 | 12.02 | 8.56 | 6.19 |
| Cash Ratio | 0.73 | 0.73 | 0.73 | 0.92 | 0.79 | 0.66 | 1.09 | 0.40 | 0.52 | 0.32 | 0.25 |
| Asset Turnover | — | 0.07 | 0.07 | 0.09 | 0.08 | 0.09 | 0.09 | 0.11 | 0.11 | 0.15 | 0.18 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ONIT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Onity Group Inc. returns 1.4% to shareholders annually primarily through dividends. The earnings yield of 62.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.4% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 62.4% | 46.9% | 13.4% | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $9M | $8M | $8M | $9M | $9M | $9M | $9M | $9M | $8M | $8M |
Peer Comparison
Compare ONIT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ONITYou | $290M | 1.6 | 25.7 | — | 94.5% | 55.3% | 33.8% | 2.9% | 25.5 |
 PFSI | $4B | 8.6 | 17.8 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 SVC | $276M | -1.4 | 10.3 | 2.3 | 31.2% | 11.6% | -27.0% | 2.6% | 10.4 |
 VALN | $460M | -3.5 | — | — | 38.7% | -46.7% | -80.2% | -28.3% | — |
 RKT | $38B | -485.1 | 39.3 | — | 91.6% | 8.7% | -0.4% | 2.0% | — |
 UWMC | $319M | 17.1 | 7.6 | — | 85.6% | 58.0% | 1.5% | 8.9% | 7.7 |
 WAL | $9B | 9.0 | 9.6 | — | 61.1% | 22.9% | 13.2% | 6.5% | 5.4 |
 PMT | $865M | 10.0 | 209.8 | — | 15.4% | 9.1% | 6.7% | 0.4% | 203.5 |
 TWO | $1B | -2.8 | 197.7 | 14.4 | 97.9% | 68.7% | -23.2% | 3.1% | 188.0 |
 ICE | $74B | 22.8 | 14.5 | 17.3 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 BLK | $174B | 29.7 | 23.0 | 46.4 | 55.5% | 29.1% | 10.0% | 7.5% | 1.9 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.2% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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ONIT — Frequently Asked Questions
Quick answers to the most common questions about buying ONIT stock.
What is Onity Group Inc.'s P/E ratio?
Onity Group Inc.'s current P/E ratio is 1.6x. The historical average is 4.8x.
What is Onity Group Inc.'s EV/EBITDA?
Onity Group Inc.'s current EV/EBITDA is 25.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 41.8x.
What is Onity Group Inc.'s ROE?
Onity Group Inc.'s return on equity (ROE) is 33.8%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 0.2%.
Is ONIT stock overvalued?
Based on historical data, Onity Group Inc. is trading at a P/E of 1.6x. Compare with industry peers and growth rates for a complete picture.
What is Onity Group Inc.'s dividend yield?
Onity Group Inc.'s current dividend yield is 1.41%.
What are Onity Group Inc.'s profit margins?
Onity Group Inc. has 94.5% gross margin and 55.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Onity Group Inc. have?
Onity Group Inc.'s Debt/EBITDA ratio is 25.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.