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Onity Group Inc. (ONIT) stock analysis

ONITNYSEMortgage Bankers & Loan CorrespondentsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 6/30
$28.24−2.20 (-7.23%)

Close on Nov 11, 2026Market cap $235.93MP/E 2.0Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value3Growth1Performance2Health0Dividend0

Weak6 of 30 checks passed

Onity passes 6 of the 30 checks behind our score; 20 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
3/6
Growth
1/6
Past performance
2/6
Financial health
0/6
Dividend
0/6

What stands out

  • EPS growing 10%+ a year

    Diluted EPS grew 96.0% a year over the last three fiscal years.

  • P/E below its 5-year median

    Onity's P/E of 2.0 is below its own 5-year median of 9.0.

  • P/E below the industry

    Onity's P/E of 2.0 is below the Non-depository Credit Institutions median of 8.6.

  • P/S below the industry

    Onity's price-to-sales of 0.21 is below the Non-depository Credit Institutions median of 1.85 (book value is negative, so we use sales).

What to watch

  • Revenue growing under 10% a year

    Revenue grew 3.8% a year over the last three fiscal years, short of the 10% we look for.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.12; above 3 is the safe zone and below 1.8 the distress zone.

  • Growing slower than the industry

    Revenue grew 14.4% over the last twelve months; the Non-depository Credit Institutions median is 33.7%.

  • No dividend

    Onity has not paid a dividend in the last twelve months.

Valuation3/6

  • P/E below its 5-year median

    Onity's P/E of 2.0 is below its own 5-year median of 9.0.

  • P/E below the industry

    Onity's P/E of 2.0 is below the Non-depository Credit Institutions median of 8.6.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/S below the industry

    Onity's price-to-sales of 0.21 is below the Non-depository Credit Institutions median of 1.85 (book value is negative, so we use sales).

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 3.8% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 96.0% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew 14.4% over the last twelve months; the Non-depository Credit Institutions median is 33.7%.

  • Guidance unchanged

    The latest outlook (2026 adjusted ROE*, Aug 6, 2026) was maintained, so it neither adds nor takes away points.

  • Gross margin trend

    This company does not report gross profit.

Past performance2/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin above its 5-year average

    Net margin was 11.1% over the last twelve months, against a 5-year average of 3.9%.

  • Net margin above the industry

    Onity's net margin of 11.1% is above the Non-depository Credit Institutions median of 10.7%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.12; above 3 is the safe zone and below 1.8 the distress zone.

Dividend0/6

  • No dividend

    Onity has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Onity. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.0
  • Non-depository Credit Institutions median 8.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$3.23M
Value traded per 1% price move
$1.05M

Downside

Medium risk

Typical loss in a bad month
24.9%
Volatility (annualized)
47%
Sharpe ratio, 1 year
-0.75
Beta to the S&P 500 (5Y)
1.01

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Operating margin

–

Net margin

17.8%+21.9 pts over 5 years

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