Logo image of ONIT

ONITY GROUP INC (ONIT) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:ONIT - US6757466064 - Common Stock

52.68 USD
-0.67 (-1.26%)
Last: 1/16/2026, 8:04:00 PM
Fundamental Rating

4

ONIT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. While ONIT is still in line with the averages on profitability rating, there are concerns on its financial health. ONIT is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year ONIT was profitable.
  • ONIT had a negative operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: ONIT reported negative net income in multiple years.
  • The reported operating cash flow has been mixed in the past 5 years: ONIT reported negative operating cash flow in multiple 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 0 -500M -1B

1.2 Ratios

  • ONIT has a Return On Assets of 0.19%. This is in the lower half of the industry: ONIT underperforms 69.39% of its industry peers.
  • ONIT has a worse Return On Equity (5.57%) than 61.22% of its industry peers.
  • The Return On Invested Capital of ONIT (2.18%) is comparable to the rest of the industry.
  • ONIT had an Average Return On Invested Capital over the past 3 years of 2.76%. This is significantly below the industry average of 8.44%.
Industry RankSector Rank
ROA 0.19%
ROE 5.57%
ROIC 2.18%
ROA(3y)-0.03%
ROA(5y)N/A
ROE(3y)-1.15%
ROE(5y)N/A
ROIC(3y)2.76%
ROIC(5y)N/A
ONIT Yearly ROA, ROE, ROICONIT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 0 5 -5 -10 -15

1.3 Margins

  • With a Profit Margin value of 3.07%, ONIT is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of ONIT has grown nicely.
  • With a decent Operating Margin value of 39.85%, ONIT is doing good in the industry, outperforming 79.59% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ONIT has grown nicely.
  • The Gross Margin of ONIT (94.62%) is better than 98.98% of its industry peers.
  • In the last couple of years the Gross Margin of ONIT has grown nicely.
Industry RankSector Rank
OM 39.85%
PM (TTM) 3.07%
GM 94.62%
OM growth 3Y12.97%
OM growth 5YN/A
PM growth 3Y25.74%
PM growth 5YN/A
GM growth 3Y6.34%
GM growth 5YN/A
ONIT Yearly Profit, Operating, Gross MarginsONIT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 0 20 40 60 80

More info and screens

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ONIT is still creating some value.
  • Compared to 1 year ago, ONIT has more shares outstanding
  • ONIT has a worse debt/assets ratio than last year.
ONIT Yearly Shares OutstandingONIT Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 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 5B 10B 15B

2.2 Solvency

  • Based on the Altman-Z score of 0.16, we must say that ONIT is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.16, ONIT is in line with its industry, outperforming 41.84% of the companies in the same industry.
  • ONIT has a Debt/Equity ratio of 26.92. This is a high value indicating a heavy dependency on external financing.
  • ONIT has a Debt to Equity ratio of 26.92. This is amonst the worse of the industry: ONIT underperforms 89.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 26.92
Debt/FCF N/A
Altman-Z 0.16
ROIC/WACC1.05
WACC2.08%
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 0 5B 10B 15B

2.3 Liquidity

  • ONIT has a Current Ratio of 1.41. This is a normal value and indicates that ONIT is financially healthy and should not expect problems in meeting its short term obligations.
  • ONIT has a better Current ratio (1.41) than 65.31% of its industry peers.
  • A Quick Ratio of 1.41 indicates that ONIT should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.41, ONIT is doing good in the industry, outperforming 66.33% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.41
Quick Ratio 1.41
ONIT Yearly Current Assets VS Current LiabilitesONIT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 93.02% over the past year.
  • ONIT shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.88% yearly.
  • The Revenue has decreased by -2.63% in the past year.
  • Measured over the past years, ONIT shows a decrease in Revenue. The Revenue has been decreasing by -2.41% on average per year.
EPS 1Y (TTM)93.02%
EPS 3Y28.88%
EPS 5YN/A
EPS Q2Q%-23.4%
Revenue 1Y (TTM)-2.63%
Revenue growth 3Y-2.41%
Revenue growth 5YN/A
Sales Q2Q%5.49%

3.2 Future

  • ONIT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 42.83% yearly.
  • Based on estimates for the next years, ONIT will show a small growth in Revenue. The Revenue will grow by 7.40% on average per year.
EPS Next Y151.65%
EPS Next 2Y62.65%
EPS Next 3Y42.83%
EPS Next 5YN/A
Revenue Next Year3.13%
Revenue Next 2Y8.13%
Revenue Next 3Y7.4%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 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 0 10 -10 -20

More info and screens

6

4. Valuation

4.1 Price/Earnings Ratio

  • ONIT is valuated correctly with a Price/Earnings ratio of 15.87.
  • ONIT's Price/Earnings ratio is in line with the industry average.
  • ONIT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.38.
  • ONIT is valuated cheaply with a Price/Forward Earnings ratio of 4.84.
  • 92.86% of the companies in the same industry are more expensive than ONIT, based on the Price/Forward Earnings ratio.
  • ONIT is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.87
Fwd PE 4.84
ONIT Price Earnings VS Forward Price EarningsONIT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ONIT's Enterprise Value to EBITDA is on the same level as the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 37.27
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • ONIT's earnings are expected to grow with 42.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y62.65%
EPS Next 3Y42.83%

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

ONITY GROUP INC

NYSE:ONIT (1/16/2026, 8:04:00 PM)

52.68

-0.67 (-1.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)02-11
Inst Owners56.48%
Inst Owner ChangeN/A
Ins Owners18.08%
Ins Owner Change0.7%
Market Cap424.60M
Revenue(TTM)1.00B
Net Income(TTM)30.70M
Analysts85
Price Target56.1 (6.49%)
Short Float %1.67%
Short Ratio3.02
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.06
Dividend Growth(5Y)N/A
DP11.73%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.95%
Min EPS beat(2)0.51%
Max EPS beat(2)25.38%
EPS beat(4)3
Avg EPS beat(4)-47.66%
Min EPS beat(4)-263.1%
Max EPS beat(4)46.55%
EPS beat(8)5
Avg EPS beat(8)-77.06%
EPS beat(12)6
Avg EPS beat(12)-2824.76%
EPS beat(16)8
Avg EPS beat(16)-2028.49%
Revenue beat(2)1
Avg Revenue beat(2)3.09%
Min Revenue beat(2)-4.4%
Max Revenue beat(2)10.59%
Revenue beat(4)1
Avg Revenue beat(4)-1.72%
Min Revenue beat(4)-12.08%
Max Revenue beat(4)10.59%
Revenue beat(8)3
Avg Revenue beat(8)-3.02%
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)3.13%
EPS NQ rev (1m)9.59%
EPS NQ rev (3m)24.15%
EPS NY rev (1m)6.23%
EPS NY rev (3m)17.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.54%
Valuation
Industry RankSector Rank
PE 15.87
Fwd PE 4.84
P/S 0.42
P/FCF N/A
P/OCF N/A
P/B 0.77
P/tB N/A
EV/EBITDA 37.27
EPS(TTM)3.32
EY6.3%
EPS(NY)10.87
Fwd EY20.64%
FCF(TTM)-135.72
FCFYN/A
OCF(TTM)-91.24
OCFYN/A
SpS124.26
BVpS68.4
TBVpS-274.73
PEG (NY)0.1
PEG (5Y)N/A
Graham Number71.48
Profitability
Industry RankSector Rank
ROA 0.19%
ROE 5.57%
ROCE 2.52%
ROIC 2.18%
ROICexc 2.2%
ROICexgc 2.83%
OM 39.85%
PM (TTM) 3.07%
GM 94.62%
FCFM N/A
ROA(3y)-0.03%
ROA(5y)N/A
ROE(3y)-1.15%
ROE(5y)N/A
ROIC(3y)2.76%
ROIC(5y)N/A
ROICexc(3y)2.8%
ROICexc(5y)N/A
ROICexgc(3y)3.78%
ROICexgc(5y)N/A
ROCE(3y)3.18%
ROCE(5y)N/A
ROICexgc growth 3Y-3.72%
ROICexgc growth 5YN/A
ROICexc growth 3Y-0.77%
ROICexc growth 5YN/A
OM growth 3Y12.97%
OM growth 5YN/A
PM growth 3Y25.74%
PM growth 5YN/A
GM growth 3Y6.34%
GM growth 5YN/A
F-Score2
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 26.92
Debt/FCF N/A
Debt/EBITDA 36.65
Cap/Depr 6076.27%
Cap/Sales 35.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.41
Quick Ratio 1.41
Altman-Z 0.16
F-Score2
WACC2.08%
ROIC/WACC1.05
Cap/Depr(3y)1734.67%
Cap/Depr(5y)N/A
Cap/Sales(3y)18.94%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)93.02%
EPS 3Y28.88%
EPS 5YN/A
EPS Q2Q%-23.4%
EPS Next Y151.65%
EPS Next 2Y62.65%
EPS Next 3Y42.83%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.63%
Revenue growth 3Y-2.41%
Revenue growth 5YN/A
Sales Q2Q%5.49%
Revenue Next Year3.13%
Revenue Next 2Y8.13%
Revenue Next 3Y7.4%
Revenue Next 5YN/A
EBIT growth 1Y-7.42%
EBIT growth 3Y10.25%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-621.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-5617.31%
OCF growth 3YN/A
OCF growth 5YN/A

ONITY GROUP INC / ONIT FAQ

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

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


Can you provide the valuation status for ONITY GROUP INC?

ChartMill assigns a valuation rating of 6 / 10 to ONITY GROUP INC (ONIT). This can be considered as Fairly Valued.


What is the profitability of ONIT stock?

ONITY GROUP INC (ONIT) has a profitability rating of 4 / 10.


How financially healthy is ONITY GROUP INC?

The financial health rating of ONITY GROUP INC (ONIT) is 2 / 10.


Can you provide the expected EPS growth for ONIT stock?

The Earnings per Share (EPS) of ONITY GROUP INC (ONIT) is expected to grow by 151.65% in the next year.