(ONIT) Onity - Ratings and Ratios
Mortgage Loans, Servicing Rights, Reverse Mortgage, Multi Family Loans
ONIT EPS (Earnings per Share)
ONIT Revenue
Description: ONIT Onity
Onity Group Inc. (NYSE:ONIT) is a financial services company specializing in originating and servicing mortgage loans across the United States and several international locations. The companys business is divided into Servicing and Originations segments, offering a range of products including mortgage servicing rights, conventional and government-insured loans, reverse mortgages, and multi-family loans.
Key aspects of Onity Groups operations include its correspondent lending arrangements, broker relationships, and retail channels, which enable the company to originate and purchase a variety of mortgage loans. The company serves financial institutions under brands such as PHH Mortgage and Liberty Reverse Mortgage. Having changed its name from Ocwen Financial Corporation to Onity Group Inc. in June 2024, the company has a history dating back to 1988 and is headquartered in West Palm Beach, Florida.
To further analyze Onity Groups performance, we can look at key performance indicators (KPIs) such as revenue growth, net interest margin, and delinquency rates. The companys market capitalization of $300 million and a price-to-earnings ratio of 12.96 suggest a relatively stable valuation. Additionally, a return on equity (RoE) of 5.40% indicates a moderate level of profitability. Other relevant KPIs for mortgage finance companies like Onity Group include the ratio of servicing assets to total assets, the efficiency of their origination channels, and their exposure to interest rate risk.
From a trading perspective, Onity Groups stock has shown a positive trend, with its current price of $38.99 being closer to its 52-week high of $40.13 than its low of $22.80. The stocks moving averages (SMA20, SMA50, and SMA200) indicate a bullish trend, with the short-term averages above the long-term average. The average true range (ATR) of 1.15, representing a 2.95% daily price movement, suggests moderate volatility.
ONIT Stock Overview
| Market Cap in USD | 322m |
| Sub-Industry | Commercial & Residential Mortgage Finance |
| IPO / Inception | 1996-09-25 |
ONIT Stock Ratings
| Growth Rating | 61.2% |
| Fundamental | 30.3% |
| Dividend Rating | 1.60% |
| Return 12m vs S&P 500 | 19.4% |
| Analyst Rating | 4.75 of 5 |
ONIT Dividends
Currently no dividends paidONIT Growth Ratios
| Growth Correlation 3m | 68.2% |
| Growth Correlation 12m | 77.3% |
| Growth Correlation 5y | 29.1% |
| CAGR 5y | 16.89% |
| CAGR/Max DD 5y | 0.30 |
| Sharpe Ratio 12m | -0.36 |
| Alpha | 19.16 |
| Beta | 1.185 |
| Volatility | 45.13% |
| Current Volume | 68.8k |
| Average Volume 20d | 54.5k |
| Stop Loss | 39.5 (-4.5%) |
| Signal | -1.27 |
Piotroski VR‑10 (Strict, 0-10) 0.0
| Net Income (36.9m TTM) > 0 and > 6% of Revenue (6% = 65.9m TTM) |
| FCFTA -0.05 (>2.0%) and ΔFCFTA -6.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 1206 % (prev 918.2%; Δ 287.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.06 (>3.0%) and CFO -945.7m <= Net Income 36.9m (YES >=105%, WARN >=100%) |
| Net Debt (14.68b) to EBITDA (171.0m) ratio: 85.84 <= 3.0 (WARN <= 3.5) |
| Current Ratio 61.02 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (8.06m) change vs 12m ago 1.72% (target <= -2.0% for YES) |
| Gross Margin 46.95% (prev 49.31%; Δ -2.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.42% (prev 8.42%; Δ -1.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' 5.31
| (A) 0.80 = (Total Current Assets 13.47b - Total Current Liabilities 220.7m) / Total Assets 16.53b |
| (B) -0.00 = Retained Earnings (Balance) -74.0m / Total Assets 16.53b |
| (C) 0.01 = EBIT TTM 165.7m / Avg Total Assets 14.81b |
| (D) -0.00 = Book Value of Equity -74.0m / Total Liabilities 16.00b |
| Total Rating: 5.31 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 30.33
| 1. Piotroski 0.0pt = -5.0 |
| 2. FCF Yield -5.38% = -2.69 |
| 3. FCF Margin -73.46% = -7.50 |
| 4. Debt/Equity 27.97 = -2.50 |
| 5. Debt/Ebitda 86.97 = -2.50 |
| 6. ROIC - WACC 0.56% = 0.69 |
| 7. RoE 7.37% = 0.61 |
| 8. Rev. Trend 1.68% = 0.08 |
| 9. Rev. CAGR 2.07% = 0.26 |
| 10. EPS Trend 29.26% = 0.73 |
| 11. EPS CAGR -14.91% = -1.86 |
What is the price of ONIT shares?
Over the past week, the price has changed by -0.27%, over one month by +7.90%, over three months by +9.33% and over the past year by +39.62%.
Is Onity a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ONIT is around 43.97 USD . This means that ONIT is currently overvalued and has a potential downside of 6.28%.
Is ONIT a buy, sell or hold?
- Strong Buy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the ONIT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 53.3 | 28.9% |
| Analysts Target Price | 48 | 16% |
| ValueRay Target Price | 46.4 | 12.1% |
Last update: 2025-08-19 02:49
ONIT Fundamental Data Overview
CCE Cash And Equivalents = 194.3m USD (Cash only, last quarter)
P/E Trailing = 10.1345
P/S = 0.3259
P/B = 0.6675
Beta = 1.421
Revenue TTM = 1.10b USD
EBIT TTM = 165.7m USD
EBITDA TTM = 171.0m USD
Long Term Debt = 14.82b USD (from longTermDebt, last quarter)
Short Term Debt = 56.0m USD (from shortLongTermDebt, last quarter)
Debt = 14.87b USD (Calculated: Short Term 56.0m + Long Term 14.82b)
Net Debt = 14.68b USD (from netDebt column, last quarter)
Enterprise Value = 15.00b USD (321.6m + Debt 14.87b - CCE 194.3m)
Interest Coverage Ratio = unknown (Ebit TTM 165.7m / Interest Expense TTM 0.0)
FCF Yield = -5.38% (FCF TTM -807.0m / Enterprise Value 15.00b)
FCF Margin = -73.46% (FCF TTM -807.0m / Revenue TTM 1.10b)
Net Margin = 3.36% (Net Income TTM 36.9m / Revenue TTM 1.10b)
Gross Margin = 46.95% ((Revenue TTM 1.10b - Cost of Revenue TTM 582.7m) / Revenue TTM)
Tobins Q-Ratio = -202.7 (set to none) (Enterprise Value 15.00b / Book Value Of Equity -74.0m)
Interest Expense / Debt = 0.25% (Interest Expense 37.9m / Debt 14.87b)
Taxrate = 13.74% (from yearly Income Tax Expense: 5.40m / 39.3m)
NOPAT = 142.9m (EBIT 165.7m * (1 - 13.74%))
Current Ratio = 61.02 (Total Current Assets 13.47b / Total Current Liabilities 220.7m)
Debt / Equity = 27.97 (Debt 14.87b / last Quarter total Stockholder Equity 531.8m)
Debt / EBITDA = 86.97 (Net Debt 14.68b / EBITDA 171.0m)
Debt / FCF = -18.43 (Debt 14.87b / FCF TTM -807.0m)
Total Stockholder Equity = 500.7m (last 4 quarters mean)
RoA = 0.22% (Net Income 36.9m, Total Assets 16.53b )
RoE = 7.37% (Net Income TTM 36.9m / Total Stockholder Equity 500.7m)
RoCE = 1.08% (Ebit 165.7m / (Equity 500.7m + L.T.Debt 14.82b))
RoIC = 0.99% (NOPAT 142.9m / Invested Capital 14.43b)
WACC = 0.43% (E(321.6m)/V(15.19b) * Re(10.38%)) + (D(14.87b)/V(15.19b) * Rd(0.25%) * (1-Tc(0.14)))
Shares Correlation 5-Years: -10.0 | Cagr: -3.28%
Discount Rate = 10.38% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -807.0m)
Revenue Correlation: 1.68 | Revenue CAGR: 2.07%
Rev Growth-of-Growth: -2.39
EPS Correlation: 29.26 | EPS CAGR: -14.91%
EPS Growth-of-Growth: 26.60
Additional Sources for ONIT Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle