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ONITY GROUP INC.

ONIT

$31.68 ▼ -0.33 (-1.03%) at close

17 Visible periods

25 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

ONITY GROUP INC. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $254.6M

Dividend Yield —

Revenue Growth —

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 1.4x

Price / Book 0.4x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$189.50M

↑ +459.0% —

Long-Term Debt Long-term obligations

$2.72B

↓ -34.9% —

trending_up

Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Returns

Financial view

Statement lens

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
EPS Growth YoY (%)	439.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	48.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	18.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	45.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	54.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	80.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	97.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	459.0% Excellent Excellent Year-over-year change in net income	N/M	N/M	42.0% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	71.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-100.8% Weak ↓ Weak Declining Year-over-year change in net income	44.7% Excellent ↑ Excellent Improving Year-over-year change in net income	35.9% Excellent ↑ Excellent Improving Year-over-year change in net income	19.1% Good ↓ Good Declining Year-over-year change in net income	47.4% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	62.6% Excellent ↓ Excellent Declining Year-over-year change in net income	131.0% Excellent ↓ Excellent Declining Year-over-year change in net income	106.2% Excellent Excellent Year-over-year change in net income	12689.2% Excellent Excellent Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS CAGR 3Y (%)	98.0% Excellent Excellent Compound annual EPS growth over 3 years	28.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	76.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Effective Tax Rate (%) (%)	-202.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-9.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	509.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	62.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-90.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-6.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3373.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-3.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	9.4% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	8.5% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	5.4% Caution Caution Operating profit relative to total assets Optimal: > 10%	4.2% Caution Caution Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	30.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+151%)	7.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	-15.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-232%)	—	—	—	—	—	-23.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-296%)	-30.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-355%)	-29.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-342%)	-45.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-477%)	16.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	5.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	4.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	3.19x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+166%)	4.02x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+235%)	2.31x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+92%)	2.06x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+72%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Basic EPS, GAAP (USD)	$23.07	$4.28	$-8.34	$2.97	$2.00	$-4.59	—	—	—	$-23.00	$-28.14	$-51.43	$29.71	$19.29	$10.71	$5.43	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$73.68	$56.26	$52.29	—	—	—	—	—	$59.22	$75.23	$97.50	$118.47	$189.14	$169.72	$147.73	$128.29	—
Tangible Book Value per Share (USD)	$73.68	$56.26	$52.29	—	—	—	—	—	$59.22	$75.23	$97.50	$118.47	$145.28	$130.64	$140.01	$126.48	—
Basic Weighted Avg Shares (shares)	8.04M	7.82M	7.64M	8.65M	9.02M	8.75M	8.96M	8.91M	8.90M	8.68M	8.77M	9.20M	9.50M	9.37M	7.32M	7.02B	5.48B

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	$2.72B	$4.17B	$4.14B	$3.33B	—	—	—
Total Equity (USD)	$627.90M	$442.90M	$401.80M	—	—	—	—	—	$545.04M	$652.96M	$851.56M	$1.04B	$1.80B	$1.61B	$1.34B	$904.57M	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Depreciation Expense (USD)	$4.40M	$5.40M	$7.00M	$10.50M	$10.30M	$19.12M	$31.91M	$27.20M	$26.89M	$25.34M	$19.16M	$21.91M	$24.25M	$5.72M	$4.16M	$7.51M	$6.37M
Net Income, GAAP (USD)	$189.50M	$33.90M	$-63.70M	$25.70M	$18.10M	$-40.18M	$-142.12M	$-70.77M	$-127.97M	$-199.76M	$-247.02M	$-469.80M	$294.15M	$180.92M	$78.33M	$37.98M	$297.00K
Operating Cash Flow (USD)	$-748.00M	$-573.80M	$10.40M	$173.20M	$-468.40M	$260.97M	$151.94M	$272.58M	$409.02M	$474.67M	$581.58M	$352.52M	$867.16M	$1.82B	$982.14M	$727.54M	$206.65M

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Synced yesterday 17 years · 64 quarters

ONITY GROUP INC.

Analytical Summary

17-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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