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Company Analysis

Onity Group Inc. ONIT

A comprehensive view of key metrics, scores, and financial health for Onity Group Inc.

Overview of Onity Group Inc.

ONIT NYQ
Financial Services Mortgage Finance Small Cap
Onity Group Inc. (ONIT), is a Small Cap company, in the Mortgage Finance industry, last closed at $37.75, about 59.2% undervalued vs fair value, +24.1% 1Y return, ranked 786/1004 in sector.
$37.75
-1.00%
As of March 13, 2026
Previous close • Vol 90d: 42.7%
52-Week Range
Market Cap
$335.60M
Enterprise Value
$14.85B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.onitygroup.com
HQ West Palm Beach, FL
Employees 4,300
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$33
$60
$113
Current: $37.75 +59% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$26.4M
Interest Expense
$478.1M
Net Interest Income
$-117.6M
Total Revenue
$1.1B
-0.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.7%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.2M
12.4% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Onity Group Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
57
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing ONIT's balance between Growth (34.6%), Profitability (33.6%), and Safety (31.9%). Growth 35% Safety 32% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

61th percentile vs peers
62
Key Signals
EPS Growth YoY 4.31 87p Revenue CAGR 3Y 2.2% 55p EPS CAGR 3Y 97.3% 91p TSR 50.8% 83p Rev Growth YoY -0.2% 27p
Strengths
  • Eps Growth Yoy in top 20% of peers (4.31, 87th percentile)
  • Eps Cagr 3Y in top 20% of peers (97.3%, 91th percentile)
  • D/E Ratio in top 20% of peers (21.68, 82th percentile)
  • Superior capital returns - 3 return metrics above peer median
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

60th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Onity Group Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$60.08
- - -
+59.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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