ONITY GROUP INC (ONIT) Fundamental Analysis & Valuation

NYSE:ONIT • US6757466064

Current stock price

44.65 USD
+0.31 (+0.7%)
Last:

This ONIT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. ONIT Profitability Analysis

1.1 Basic Checks

  • In the past year ONIT was profitable.
  • ONIT had a negative operating cash flow in the past year.
  • ONIT had positive earnings in 4 of the past 5 years.
  • In multiple years ONIT reported negative operating cash flow during the last 5 years.
ONIT Yearly Net Income VS EBIT VS OCF VS FCFONIT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 0 -500M -1B

1.2 Ratios

  • ONIT has a Return On Assets of 1.15%. This is comparable to the rest of the industry: ONIT outperforms 50.51% of its industry peers.
  • The Return On Equity of ONIT (27.38%) is better than 91.92% of its industry peers.
  • With a Return On Invested Capital value of 2.20%, ONIT perfoms like the industry average, outperforming 49.49% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ONIT is significantly below the industry average of 8.00%.
Industry RankSector Rank
ROA 1.15%
ROE 27.38%
ROIC 2.2%
ROA(3y)0.28%
ROA(5y)0.24%
ROE(3y)6.1%
ROE(5y)5.54%
ROIC(3y)2.51%
ROIC(5y)2.58%
ONIT Yearly ROA, ROE, ROICONIT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 0 10 -10 20

1.3 Margins

  • ONIT has a Profit Margin of 17.40%. This is in the better half of the industry: ONIT outperforms 71.72% of its industry peers.
  • In the last couple of years the Profit Margin of ONIT has grown nicely.
  • The Operating Margin of ONIT (37.98%) is better than 78.79% of its industry peers.
  • In the last couple of years the Operating Margin of ONIT has declined.
  • The Gross Margin of ONIT (94.48%) is better than 98.99% of its industry peers.
  • ONIT's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 37.98%
PM (TTM) 17.4%
GM 94.48%
OM growth 3Y-4.12%
OM growth 5YN/A
PM growth 3Y86.19%
PM growth 5YN/A
GM growth 3Y0.46%
GM growth 5YN/A
ONIT Yearly Profit, Operating, Gross MarginsONIT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 0 20 40 60 80

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3

2. ONIT Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ONIT is creating some value.
  • ONIT has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, ONIT has an improved debt to assets ratio.
ONIT Yearly Shares OutstandingONIT Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 2M 4M 6M 8M
ONIT Yearly Total Debt VS Total AssetsONIT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • Based on the Altman-Z score of 0.18, we must say that ONIT is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.18, ONIT perfoms like the industry average, outperforming 43.43% of the companies in the same industry.
  • A Debt/Equity ratio of 21.68 is on the high side and indicates that ONIT has dependencies on debt financing.
  • ONIT has a worse Debt to Equity ratio (21.68) than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 21.68
Debt/FCF N/A
Altman-Z 0.18
ROIC/WACC1.11
WACC1.98%
ONIT Yearly LT Debt VS Equity VS FCFONIT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 0 5B 10B 15B

2.3 Liquidity

  • ONIT has a Current Ratio of 1.56. This is a normal value and indicates that ONIT is financially healthy and should not expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 1.56, ONIT is doing good in the industry, outperforming 69.70% of the companies in the same industry.
  • ONIT has a Quick Ratio of 1.56. This is a normal value and indicates that ONIT is financially healthy and should not expect problems in meeting its short term obligations.
  • With a decent Quick ratio value of 1.56, ONIT is doing good in the industry, outperforming 72.73% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.56
Quick Ratio 1.56
ONIT Yearly Current Assets VS Current LiabilitesONIT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. ONIT Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 415.09% over the past year.
  • Measured over the past years, ONIT shows a very strong growth in Earnings Per Share. The EPS has been growing by 96.04% on average per year.
  • The Revenue has grown by 9.29% in the past year. This is quite good.
  • The Revenue has been growing slightly by 3.80% on average over the past years.
EPS 1Y (TTM)415.09%
EPS 3Y96.04%
EPS 5YN/A
EPS Q2Q%494.46%
Revenue 1Y (TTM)9.29%
Revenue growth 3Y3.8%
Revenue growth 5YN/A
Sales Q2Q%2.85%

3.2 Future

  • The Earnings Per Share is expected to decrease by -19.05% on average over the next years. This is quite bad
  • ONIT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.13% yearly.
EPS Next Y-51.94%
EPS Next 2Y-31.04%
EPS Next 3Y-19.05%
EPS Next 5YN/A
Revenue Next Year13.95%
Revenue Next 2Y11.87%
Revenue Next 3Y9.13%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ONIT Yearly Revenue VS EstimatesONIT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
ONIT Yearly EPS VS EstimatesONIT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 10 -10 20 -20

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5

4. ONIT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 2.11, which indicates a rather cheap valuation of ONIT.
  • Based on the Price/Earnings ratio, ONIT is valued cheaper than 98.99% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of ONIT to the average of the S&P500 Index (27.38), we can say ONIT is valued rather cheaply.
  • The Price/Forward Earnings ratio is 4.39, which indicates a rather cheap valuation of ONIT.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ONIT indicates a rather cheap valuation: ONIT is cheaper than 93.94% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 38.20. ONIT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.11
Fwd PE 4.39
ONIT Price Earnings VS Forward Price EarningsONIT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as ONIT.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 36.28
ONIT Per share dataONIT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 -100 -200

4.3 Compensation for Growth

  • ONIT's earnings are expected to decrease with -19.05% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-31.04%
EPS Next 3Y-19.05%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ONIT Dividend Analysis

5.1 Amount

  • ONIT does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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ONIT Fundamentals: All Metrics, Ratios and Statistics

ONITY GROUP INC

NYSE:ONIT (4/15/2026, 8:12:34 PM)

44.65

+0.31 (+0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-12
Earnings (Next)04-30
Inst Owners59.97%
Inst Owner ChangeN/A
Ins Owners17.58%
Ins Owner Change21.27%
Market Cap380.42M
Revenue(TTM)1.07B
Net Income(TTM)185.60M
Analysts85
Price Target61.2 (37.07%)
Short Float %2.4%
Short Ratio2.78
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.51
Dividend Growth(5Y)N/A
DP2.26%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)221.87%
Min EPS beat(2)0.51%
Max EPS beat(2)443.22%
EPS beat(4)4
Avg EPS beat(4)128.92%
Min EPS beat(4)0.51%
Max EPS beat(4)443.22%
EPS beat(8)6
Avg EPS beat(8)70.19%
EPS beat(12)7
Avg EPS beat(12)-2613.21%
EPS beat(16)9
Avg EPS beat(16)-1993.69%
Revenue beat(2)1
Avg Revenue beat(2)-0.47%
Min Revenue beat(2)-11.53%
Max Revenue beat(2)10.59%
Revenue beat(4)1
Avg Revenue beat(4)-1.58%
Min Revenue beat(4)-11.53%
Max Revenue beat(4)10.59%
Revenue beat(8)2
Avg Revenue beat(8)-4.94%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.58%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.5%
Valuation
Industry RankSector Rank
PE 2.11
Fwd PE 4.39
P/S 0.36
P/FCF N/A
P/OCF N/A
P/B 0.56
P/tB N/A
EV/EBITDA 36.28
EPS(TTM)21.17
EY47.41%
EPS(NY)10.17
Fwd EY22.79%
FCF(TTM)-131.96
FCFYN/A
OCF(TTM)-87.79
OCFYN/A
SpS125.2
BVpS79.57
TBVpS-252.32
PEG (NY)N/A
PEG (5Y)N/A
Graham Number194.677 (336.01%)
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 27.38%
ROCE 2.54%
ROIC 2.2%
ROICexc 2.23%
ROICexgc 2.93%
OM 37.98%
PM (TTM) 17.4%
GM 94.48%
FCFM N/A
ROA(3y)0.28%
ROA(5y)0.24%
ROE(3y)6.1%
ROE(5y)5.54%
ROIC(3y)2.51%
ROIC(5y)2.58%
ROICexc(3y)2.55%
ROICexc(5y)2.61%
ROICexgc(3y)3.35%
ROICexgc(5y)3.53%
ROCE(3y)2.9%
ROCE(5y)2.98%
ROICexgc growth 3Y-11.44%
ROICexgc growth 5YN/A
ROICexc growth 3Y-9.24%
ROICexc growth 5YN/A
OM growth 3Y-4.12%
OM growth 5YN/A
PM growth 3Y86.19%
PM growth 5YN/A
GM growth 3Y0.46%
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 21.68
Debt/FCF N/A
Debt/EBITDA 35.8
Cap/Depr 6968.52%
Cap/Sales 35.28%
Interest Coverage 1.45
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.56
Quick Ratio 1.56
Altman-Z 0.18
F-Score5
WACC1.98%
ROIC/WACC1.11
Cap/Depr(3y)3596.02%
Cap/Depr(5y)4072.6%
Cap/Sales(3y)23.54%
Cap/Sales(5y)34.43%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)415.09%
EPS 3Y96.04%
EPS 5YN/A
EPS Q2Q%494.46%
EPS Next Y-51.94%
EPS Next 2Y-31.04%
EPS Next 3Y-19.05%
EPS Next 5YN/A
Revenue 1Y (TTM)9.29%
Revenue growth 3Y3.8%
Revenue growth 5YN/A
Sales Q2Q%2.85%
Revenue Next Year13.95%
Revenue Next 2Y11.87%
Revenue Next 3Y9.13%
Revenue Next 5YN/A
EBIT growth 1Y-8.8%
EBIT growth 3Y-0.48%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-39.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-30.36%
OCF growth 3YN/A
OCF growth 5YN/A

ONITY GROUP INC / ONIT Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ONITY GROUP INC (ONIT) stock?

ChartMill assigns a fundamental rating of 4 / 10 to ONIT.


What is the valuation status of ONITY GROUP INC (ONIT) stock?

ChartMill assigns a valuation rating of 5 / 10 to ONITY GROUP INC (ONIT). This can be considered as Fairly Valued.


How profitable is ONITY GROUP INC (ONIT) stock?

ONITY GROUP INC (ONIT) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for ONIT stock?

The Price/Earnings (PE) ratio for ONITY GROUP INC (ONIT) is 2.11 and the Price/Book (PB) ratio is 0.56.


What is the expected EPS growth for ONITY GROUP INC (ONIT) stock?

The Earnings per Share (EPS) of ONITY GROUP INC (ONIT) is expected to decline by -51.94% in the next year.