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Saturday 7 November 2026
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Onity Group Inc.
ONIT Financial Mortgage Finance
Onity Group Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 9.29% from fiscal 2024.
- Revenue
- −0.78%
- EPS
- −80.8%
- Free cash flow
- +306.2%
- Total debt
- −39.8%
Quarter to September 2026, against a year earlier
31.00
1.22
−3.79%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Sep ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | 1,387 | 1,195 | 1,063 | 1,123 | 961 | 1,050 | 954 | 1,067 | 976 | 1,067 | 1,145 | (2.9%) | 1,159 | 1,199 | 1,286 | +6.4% | |
| Gross margin, % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 0.0 pt | ||||||
| EBT | (206) | (144) | (71) | (126) | (106) | (4) | 25 | (58) | 39 | 63 | 24 | n/m | ||||||
| EBT margin, % | (14.88) | (12.05) | (6.72) | (11.26) | (11.00) | (0.42) | 2.61 | (5.45) | 4.03 | 5.88 | 0.00 | +20.8 pt | ||||||
| Net income | (199) | (128) | (71) | (142) | (40) | 18 | 26 | (64) | 34 | 190 | 128 | n/m | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | 167.73 | 140.93 | 119.26 | 125.33 | 109.83 | 116.39 | 110.31 | 139.70 | 124.87 | 132.74 | 137.64 | (2.6%) | |||||
| Earnings | (24.14) | (15.14) | (7.95) | (15.89) | (4.59) | 2.00 | 2.97 | (8.34) | 4.28 | 23.07 | 15.31 | n/m | ||||||
| Cash flow | 50.93 | 48.25 | 30.58 | 16.95 | 29.83 | (51.92) | 20.03 | 1.36 | (73.41) | (93.08) | (211.39) | n/m | ||||||
| Capex | 0.88 | (0.39) | 0.27 | (15.54) | (30.97) | (92.32) | (5.13) | (14.03) | (2.56) | (28.14) | 0.00 | n/m | ||||||
| Free cash flow | 51.81 | 47.86 | 30.84 | 1.41 | (1.14) | (144.24) | 14.89 | (12.66) | (75.97) | (121.22) | (211.39) | n/m | ||||||
| Book value | 79.24 | 64.52 | 62.23 | 45.97 | 47.48 | 52.84 | 52.81 | 52.62 | 56.67 | 78.14 | 73.14 | (0.2%) | ||||||
| Shares, m | 8 | 8 | 9 | 9 | 9 | 9 | 9 | 8 | 8 | 8 | 8 | (0.3%) | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 20.29 | 10.33 | 0.00 | 7.14 | 1.99 | 2.03 | 4.0 | |||||
| P/S | 0.51 | 0.33 | 0.17 | 0.16 | 0.26 | 0.34 | 0.28 | 0.23 | 0.25 | 0.35 | 0.23 | 0.3 | ||||||
| P/B | 1.08 | 0.72 | 0.32 | 0.45 | 0.61 | 0.76 | 0.59 | 0.60 | 0.54 | 0.59 | 0.43 | 0.6 | ||||||
| EV/Sales | 3.96 | 5.17 | 6.70 | 7.18 | 8.05 | 8.00 | 9.50 | 8.70 | 12.97 | 11.20 | — | 8.1 | ||||||
| EV/FCF | 12.82 | 15.24 | 25.90 | 639.00 | (695.38) | (6.46) | 70.33 | (95.95) | (21.32) | (12.26) | — | (6.8) | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | 421 | 409 | 273 | 152 | 261 | (468) | 173 | 10 | (574) | (748) | (1,759) | n/m | |||||
| Capex | 7 | (3) | 2 | (139) | (271) | (833) | (44) | (107) | (20) | (226) | (448) | n/m | ||||||
| Free cash flow | 428 | 406 | 275 | 13 | (10) | (1,301) | 129 | (97) | (594) | (974) | (1,759) | n/m | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | 3,121 | 4,458 | 5,558 | 6,583 | 7,358 | 8,068 | 8,075 | 8,563 | 12,440 | 11,812 | (259) | +15.9% | |||||
| Net debt | 4,782 | 5,786 | 6,942 | 7,881 | 7,484 | 8,041 | 8,790 | 9,038 | 12,423 | 11,578 | (276) | +10.3% | ||||||
| Shareholders’ equity | 655 | 547 | 555 | 412 | 415 | 477 | 457 | 402 | 443 | 628 | 609 | (0.5%) | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | (2.66) | (1.59) | (0.80) | (1.44) | (0.38) | 0.16 | 0.21 | (0.51) | 0.23 | 1.14 | 0.90 | +3.8 pt | |||||
| ROIC | 1.88 | 1.93 | 1.09 | 2.48 | 1.98 | 2.51 | 2.78 | 2.80 | 2.15 | 2.07 | 0.00 | +0.2 pt | ||||||
| ROE | (26.46) | (21.29) | (12.85) | (29.40) | (9.72) | 4.06 | 5.51 | (14.84) | 7.91 | 34.62 | 22.22 | +61.1 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | 9,700 | 7,600 | 7,200 | 5,300 | 5,000 | 5,700 | 4,900 | 4,500 | 4,300 | 4,300 | — | (8.6%) | |||||
| Revenue/emp, $m | 0.14 | 0.16 | 0.15 | 0.21 | 0.19 | 0.18 | 0.19 | 0.24 | 0.23 | 0.25 | — | +6.3% | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026
Onity Group Inc. vs peers in Mortgage Finance (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| UWMC UWM Holdings Corporation | $2.6B | — (loss-making) | — (loss-making) | −81.06% (below 0%: shrinking) | n/m | +64.57% (above 0%: growing) | 24.81% | (192.94%) | Compare |
| WD Walker & Dunlop, Inc. | $1.4B | — (loss-making) | 35.2× | −11.62% (below 0%: shrinking) | n/m | +175.64% (above 0%: growing) | 44.82% | (10.67%) | Compare |
| VEL Velocity Financial, Inc. | $689.0M | 6.3× | 12.1× | +34.05% (above 0%: growing) | +3.03% (above 0%: growing) | −152.77% (below 0%: shrinking) | 0.00% | 0.00% | Compare |
| BETR Better Home & Finance Holding Company | $360.6M | — (loss-making) | — (loss-making) | +25.81% (above 0%: growing) | n/m | +136.12% (above 0%: growing) | 89.80% | 0.00% | Compare |
| ONIT Onity Group Inc. | $269.2M | 2.0× | 13.2× | −0.78% (below 0%: shrinking) | −80.82% (below 0%: shrinking) | +306.19% (above 0%: growing) | 100.00% | 0.00% | |
| LDI loanDepot, Inc. | $211.5M | — (loss-making) | — (loss-making) | +19.39% (above 0%: growing) | n/m | +589.11% (above 0%: growing) | 87.77% | 10.45% | Compare |
| GHI Greystone Housing Impact Investors LP | $103.1M | — (loss-making) | 3.2× | −7.10% (below 0%: shrinking) | n/m | −92.85% (below 0%: shrinking) | 93.66% | 60.90% | Compare |
| IOR Income Opportunity Realty Investors, Inc. | $72.7M | 20.1× | 13.8× | +534.29% (above 0%: growing) | −29.17% (below 0%: shrinking) | +155.56% (above 0%: growing) | 0.00% | 0.00% | Compare |
| BLNE Beeline Holdings, Inc. | $21.2M | — (loss-making) | 6.1× | +56.62% (above 0%: growing) | n/m | +146.53% (above 0%: growing) | 100.00% | (171.05%) | Compare |
| Median of peers | $286.1M | — | 12.1× | +22.60% | — | +141.33% | 66.30% | 0.00% |
Pay and ownership Proxy statement filed 14 April 2026
Chief executive’s pay
| Year | Total pay | Actually paid | $100 invested |
|---|---|---|---|
| 2025 | 7.55m | 14.72m | 158.00 |
| 2024 | 8.45m | 8.66m | 106.00 |
| 2023 | 8.15m | 4.82m | 106.00 |
| 2022 | 6.03m | 2.72m | 106.00 |
| 2021 | 6.63m | 10.67m | 138.00 |
Ownership
Directors and executive officers, together
10.50%
Long Focus Capital Management, LLC
7.70%
Howard Amster
7.30%
BlackRock Inc.
5.70%
Glen A. Messina
5.60%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards
at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s
shares at the start of the earliest year shown was worth at each year’s end.
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement