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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 Framework: Banks & Lenders Micro Cap
Onity Group Inc. (ONIT), is a Micro Cap company, in the Mortgage Finance industry, last closed at $28.97, about 158.5% undervalued vs fair value, -24.8% 1Y return, ranked 733/1078 in sector.
Metrics P/E 2.1× Rev Growth 12.4% ROE 35.4% Gross Margin 48.4% Div Yield 1.14%
USD 28.97
5.27%
(Delayed)
• Vol 90d: 41.5%
52-Week Range
Market Cap
$242.00M
Enterprise Value
$10.74B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 100%
Confidence: 97%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Nov 5 Call: Nov 5

Fair Value Snapshot

Bear Base Bull
$42
$75
$140
Current: $28.97 +159% vs base

Engine Room Money Flow™

Micro 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
$1.2B
12.4%%
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
30.2%
Excellent

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
2.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Lender Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.79).
  • Returns Hold Up Through Funding Cycles Returns are strong for a debt-funded lender (profitability score 0.83).

Key risks

  • Thin Equity Cushion Equity cushion is thin (score 0.18).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Moderate
63
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 72% Coverage
Trade-Off Triangle Visualization A ternary plot showing ONIT's balance between Growth (32.5%), Profitability (58.9%), and Safety (8.6%). Growth 33% Safety 9% Profitability 59%

Click axes to expand details. Marker shows current allocation.

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Growth

48th percentile vs peers
49
Key Signals
EPS Growth YoY 4.31 98p Equity Growth YoY 41.8% 94p Loan Growth YoY -5.8% 22p Asset Growth YoY -1.6% 12p
Strengths
  • EPS Growth YoY in top 20% of peers (4.31, 98th percentile)
  • Equity Growth YoY in top 20% of peers (41.8%, 94th percentile)
  • Efficiency Ratio in top 20% of peers (29.1%, 97th percentile)
  • ROE in top 20% of peers (35.4%, 98th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-1.6%)

Profitability

87th percentile vs peers
88
Key Signals
Strengths
Risks
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Safety

12th percentile vs peers
13
Key Signals
Strengths
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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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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$74.89
- - -
+158.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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