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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 Small Cap
Onity Group Inc. (ONIT), is a Small Cap company, in the Mortgage Finance industry, last closed at $40.00, about 82.6% undervalued vs fair value, +6.0% 1Y return, ranked 822/1078 in sector.
Metrics P/E 2.1× Rev Growth 12.4% ROE 35.4% Gross Margin 48.4% Div Yield 1.14%
USD 40.00
-0.05%
(Delayed)
• Vol 90d: 52.2%
52-Week Range
Market Cap
$322.60M
Enterprise Value
$16.04B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Aug 4 Estimated

Fair Value Snapshot

Bear Base Bull
$41
$73
$137
Current: $40.00 +83% 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
$1.2B
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 Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
42
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
39
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For informational purposes only. Not investment advice.

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 (35.6%), Profitability (55.1%), and Safety (9.4%). Growth 36% Safety 9% Profitability 55%

Click axes to expand details. Marker shows current allocation.

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Growth

47th percentile vs peers
48
Key Signals
EPS Growth YoY 4.31 98p Equity Growth YoY 41.8% 95p Loan Growth YoY -5.8% 18p Asset Growth YoY -1.6% 11p
Strengths
  • EPS Growth YoY in top 20% of peers (4.31, 98th percentile)
  • Equity Growth YoY in top 20% of peers (41.8%, 95th percentile)
  • Efficiency Ratio in top 20% of peers (29.1%, 96th percentile)
  • ROE in top 20% of peers (35.4%, 97th percentile)
  • Dividends/Tangible Equity in top 20% of peers (-0.2%, 98th percentile)
Risks
  • Loan Growth YoY in bottom 20% of peers (-5.8%)
  • Asset Growth YoY in bottom 20% of peers (-1.6%)

Profitability

73th percentile vs peers
74
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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Bear
-
- - -
- upside
-
Base
$73.04
- - -
+82.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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