Is ONIT a good stock to buy right now?

Based on our 6-factor quantitative model, ONITY GROUP INC. (ONIT) receives a "Reduce" rating with a composite score of 41.6/100. It is ranked #2,940 out of 4,446 stocks. Key factor scores: Quality 10/100, Value 81/100, Momentum 47/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for ONIT?

ONITY GROUP INC. (ONIT) has a "Reduce" rating and 2-star score. The composite score of 41.6 ranks it #2,940 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is ONIT in?

ONITY GROUP INC. operates in the Financials sector (Banking industry) with a market cap of $335 million. It is classified as a small-cap stock.

Does ONIT pay a dividend?

ONIT does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is ONIT's P/E ratio?

ONIT has a trailing P/E ratio of 4.16x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is ONIT?

ONIT's quality factor score is 10/100. Gross margin: 0.0%. ROE: 13.3% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is ONIT valued compared to peers?

ONIT's value factor score is 81/100 (higher = cheaper). Key multiples: P/E 4.2x, EV/EBITDA 0.6x. The stock appears attractively valued versus peers.

What is ONIT's debt level?

ONIT's debt-to-equity ratio is 2467%. Sector average: 121%. Elevated leverage increases credit risk.

ONIT has a beta of 0.99, meaning it tracks the market. Stability score: 60/100.

Does ONIT have high short interest?

ONIT's short interest factor score is 61/100 (higher = less short selling). Moderate short interest.

ONIT Stock Analysis: Top Small-Cap Reduce (Score 41.6/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
ONIT	-0.88%	+7.59%	+8.77%	-6.79%	+49.49%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.82%	+3.98%	+8.43%	-6.43%	+19.97%	-	-	-
Alpha vs Sector	+0.21%	+5.08%	+7.35%	+0.51%	+38.91%	-	-	-

Metric	ONIT	Benchmark
P/E Ratio	4.2x	-72%
EV/EBITDA	0.6x	-81%
Price / Book	0.6x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
ONIT ONITY GROUP INC.	42	10	81	47	4.2x	13.3%	0.0%	8.1%	13.8%	2,467.0x	$335M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Operating Margin %	0.6%	0.5%	0.6%	0.9%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%
EBITDA Margin %	0.6%	0.5%	0.6%	0.2%	0.2%	0.2%	0.4%	0.3%	-0.0%	0.0%	0.2%
Net Margin %	0.1%	0.2%	0.0%	-0.1%	0.0%	0.0%	-0.0%	-0.1%	-0.1%	-0.1%	-0.1%
FCF Margin %	-269.8%	-	-	0.7%	16.8%	-44.2%	35.4%	13.3%	24.8%	33.5%	31.8%
ROE %	0.1%	0.3%	0.1%	-0.2%	0.1%	0.0%	-0.1%	-0.3%	-0.1%	-0.2%	-0.3%
ROA %	0.0%	0.0%	0.0%	-0.0%	0.0%	0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%
ROIC %	3.1%	72.3%	96.2%	7.9%	7.3%	8.1%	6.3%	11.1%	11.5%	13.9%	17.9%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.1%

0.0%

Operating Margin %

0.6%

0.5%

0.6%

0.9%

1.0%

EBITDA Margin %

0.6%

0.5%

0.6%

0.2%

0.4%

0.3%

-0.0%

0.0%

0.2%

Net Margin %

0.1%

0.2%

0.0%

-0.1%

0.0%

-0.0%

-0.1%

FCF Margin %

-269.8%

0.7%

16.8%

-44.2%

35.4%

13.3%

24.8%

33.5%

31.8%

ROE %

0.1%

0.3%

0.1%

-0.2%

0.1%

0.0%

-0.1%

-0.3%

-0.1%

-0.2%

-0.3%

ROA %

0.0%

-0.0%

0.0%

-0.0%

ROIC %

3.1%

72.3%

96.2%

7.9%

7.3%

8.1%

6.3%

11.1%

11.5%

13.9%

17.9%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$1.0B	$1.1B	$976M	$1.1B	$1000M	$1.1B	$725M	$1.1B	$1.1B	$1.2B	$1.4B	$1.7B
	—	—	—	$78M	$46M	$26M	$16M	$0	$0	$0	$0	$0
Gross Margin	0.0%	---	---	6.8%	4.6%	2.5%	2.2%	0.0%	0.0%	0.0%	0.0%	0.0%
	—	—	—	$30M	$25M	$18M	$26M	$36M	$184M	$83M	$99M	$161M
Total Operating Expenses	—	$492M	$437M	—	—	—	—	—	—	—	—	—
	$575M	$575M	$540M	$1.1B	$954M	$1.1B	$709M	$1.1B	$1.1B	$1.2B	$1.4B	$1.7B
EBIT	$575M	$575M	$540M	$1.1B	$954M	$1.1B	$709M	$1.1B	$1.1B	$1.2B	$1.4B	$1.7B
EBITDA	$575M	$575M	$540M	$234M	$227M	$166M	$257M	$382M	-$10M	$42M	$339M	$421M
Operating Margin	55.1%	53.9%	55.3%	93.2%	95.4%	97.5%	97.8%	100.0%	100.0%	100.0%	100.0%	100.0%
EBITDA Margin	55.1%	53.9%	55.3%	20.5%	22.7%	15.4%	35.4%	33.9%	-0.9%	3.5%	24.4%	24.2%
	—	$309M	$289M	$0	$0	$0	$0	$0	$0	$0	$0	$0
	—	$63M	$39M	—	—	—	—	—	—	—	—	—
Income Tax Expense	—	-$127M	$5M	$6M	-$800K	-$22M	-$66M	$16M	$529K	-$16M	-$7M	$117M
	$84M	$190M	$34M	-$64M	$26M	$18M	-$40M	-$142M	-$71M	-$128M	-$199M	-$247M
Net Margin	8.1%	17.8%	3.5%	-5.6%	2.6%	1.7%	-4.1%	-13.9%	-6.6%	-10.8%	-14.4%	-14.2%
	$23.07	$23.07	$4.28	$-8.34	$2.97	$2.00	$-4.59	$-15.86	$-0.53	$-1.01	$-1.61	$-1.97
Diluted EPS	$23.07	$21.46	$4.13	$-8.34	$2.97	$2.00	$-4.59	$-15.86	$-0.53	$-1.01	$-1.61	$-1.97
Weighted Avg Basic	—	8M	8M	—	—	—	—	—	—	—	—	—
Weighted Avg Diluted	—	9M	8M	—	—	—	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$1.0B

$1.1B

$976M

$1.1B

$1000M

$1.1B

$725M

$1.1B

$1.2B

$1.4B

$1.7B

—

$78M

$46M

$26M

$16M

Gross Margin

0.0%

---

6.8%

4.6%

2.5%

2.2%

0.0%

—

$30M

$25M

$18M

$26M

$36M

$184M

$83M

$99M

$161M

Total Operating Expenses

—

$492M

$437M

—

$575M

$540M

$1.1B

$954M

$1.1B

$709M

$1.1B

$1.2B

$1.4B

$1.7B

EBIT

$575M

$540M

$1.1B

$954M

$1.1B

$709M

$1.1B

$1.2B

$1.4B

$1.7B

EBITDA

$575M

$540M

$234M

$227M

$166M

$257M

$382M

-$10M

$42M

$339M

$421M

Operating Margin

55.1%

53.9%

55.3%

93.2%

95.4%

97.5%

97.8%

100.0%

EBITDA Margin

55.1%

53.9%

55.3%

20.5%

22.7%

15.4%

35.4%

33.9%

-0.9%

3.5%

24.4%

24.2%

—

$309M

$289M

—

$63M

$39M

—

Income Tax Expense

—

-$127M

$5M

$6M

-$800K

-$22M

-$66M

$16M

$529K

-$16M

-$7M

$117M

$84M

$190M

$34M

-$64M

$26M

$18M

-$40M

-$142M

-$71M

-$128M

-$199M

-$247M

Net Margin

8.1%

17.8%

3.5%

-5.6%

2.6%

1.7%

-4.1%

-13.9%

-6.6%

-10.8%

-14.4%

-14.2%

$23.07

$4.28

$-8.34

$2.97

$2.00

$-4.59

$-15.86

$-0.53

$-1.01

$-1.61

$-1.97

Diluted EPS

$23.07

$21.46

$4.13

$-8.34

$2.97

$2.00

$-4.59

$-15.86

$-0.53

$-1.01

$-1.61

$-1.97

Weighted Avg Basic

—

Weighted Avg Diluted

—

ONITY GROUP INC. (ONIT) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does ONITY GROUP INC. Do?

Onity Group Inc., a financial services company, originates and services mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. It operates through, Servicing and Originations segments. The company provides commercial forward mortgage loan servicing, reverse mortgage servicing, special servicing, and asset management services for to owners of mortgage loans and foreclosed real estate, as well as residential mortgage loan servicing, such as forward and reverse conventional, government-insured, and non-agency loans, including the reverse mortgage loans classified as loans. It also originates and purchases conventional and government-insured residential forward and reverse mortgage loans through its correspondent lending arrangements, broker relationships, and retail channels. It serves primarily under the PHH Mortgage and Liberty Reverse Mortgage brands. The company was formerly known as Ocwen Financial Corporation and changed its name to Onity Group Inc. in June 2024. Onity Group Inc. was founded in 1988 and is headquartered in West Palm Beach, Florida. ONITY GROUP INC. (ONIT) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Glen A. Messina and employs approximately 4,400 people, headquartered in Tallahassee, Florida. With a market capitalization of $335M, ONIT is one of the notable companies in the Financials sector.

ONITY GROUP INC. (ONIT) Stock Rating — Reduce (April 2026)

As of April 2026, ONITY GROUP INC. receives a Reduce rating with a composite score of 41.6/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.ONIT ranks #2,940 out of 4,446 stocks in our coverage universe. Within the Financials sector, ONITY GROUP INC. ranks #718 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

ONIT Stock Price and 52-Week Range

ONITY GROUP INC. (ONIT) currently trades at $42.95. The stock lost $0.11 (0.3%) in the most recent trading session. The 52-week high for ONIT is $54.10, which means the stock is currently trading -20.6% from its annual peak. The 52-week low is $25.50, putting the stock 68.4% above its annual trough. Recent trading volume was 12K shares, suggesting relatively thin trading activity.

Is ONIT Overvalued or Undervalued? — Valuation Analysis

ONITY GROUP INC. (ONIT) carries a value factor score of 81/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 4.16x, compared to the Financials sector average of 14.88x — a discount of 72%. The price-to-book ratio stands at 0.55x, versus the sector average of 1.22x. The price-to-sales ratio is 0.33x, compared to 0.90x for the average Financials stock. On an enterprise value basis, ONIT trades at 0.61x EV/EBITDA, versus 3.26x for the sector.

Based on these multiples, ONITY GROUP INC. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

ONITY GROUP INC. Profitability — ROE, Margins, and Quality Score

ONITY GROUP INC. (ONIT) earns a quality factor score of 10/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 13.3%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 0.5% versus the sector average of 1.2%.

On a margin basis, ONITY GROUP INC. reports gross margins of 0.0%. The operating margin is 55.1% (sector: 21.8%). Net profit margin stands at 8.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 13.8% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

ONIT Debt, Balance Sheet, and Financial Health

ONITY GROUP INC. has a debt-to-equity ratio of 2467.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.04x, suggesting adequate working capital coverage. Total debt on the balance sheet is $14.02B. Cash and equivalents stand at $173M.

ONIT has a beta of 0.99, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for ONITY GROUP INC. is 60/100, reflecting average volatility within the normal range for its sector.

ONITY GROUP INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, ONITY GROUP INC. reported revenue of $1.04B and earnings per share (EPS) of $23.07. Net income for the quarter was $84M. Gross margin was 0.0%. Operating income came in at $575M.

In FY 2025, ONITY GROUP INC. reported revenue of $1.07B and earnings per share (EPS) of $23.07. Net income for the quarter was $190M. Revenue grew 9.3% year-over-year compared to FY 2024. Operating income came in at $575M.

In Q3 2025, ONITY GROUP INC. reported revenue of $280M and earnings per share (EPS) of $2.19. Net income for the quarter was $19M. Revenue grew 5.5% year-over-year compared to Q3 2024. Operating income came in at $155M.

In Q2 2025, ONITY GROUP INC. reported revenue of $247M and earnings per share (EPS) of $2.55. Net income for the quarter was $22M. Revenue grew 0.1% year-over-year compared to Q2 2024. Operating income came in at $137M.

Over the past 8 quarters, ONITY GROUP INC. has demonstrated a growth trajectory, with revenue expanding from $246M to $1.04B. Investors analyzing ONIT stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

ONIT Dividend Yield and Income Analysis

ONITY GROUP INC. (ONIT) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

ONIT Momentum and Technical Analysis Profile

ONITY GROUP INC. (ONIT) has a momentum factor score of 47/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 61/100 reflects moderate short selling activity.

ONIT vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, ONITY GROUP INC. (ONIT) ranks #718 out of 891 stocks based on the Blank Capital composite score. This places ONIT in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing ONIT against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full ONIT vs S&P 500 (SPY) comparison to assess how ONITY GROUP INC. stacks up against the broader market across all factor dimensions.

ONIT Next Earnings Date

No upcoming earnings date has been announced for ONITY GROUP INC. (ONIT) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy ONIT? — Investment Thesis Summary

The quantitative profile for ONITY GROUP INC. suggests caution. The quality score of 10/100 flags below-average profitability. The value score of 81/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 60/100) reduces downside risk.

In summary, ONITY GROUP INC. (ONIT) earns a Reduce rating with a composite score of 41.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on ONIT stock.

Related Resources for ONIT Investors

Explore more research and tools: ONIT vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare ONIT head-to-head with peers: ONIT vs WTM, ONIT vs OPY, ONIT vs ACT.

Business quality

Valuation edge

Market alpha

Unlock Investment Thesis

Unlock Performance & Technicals

Unlock Valuation Tools

Institutional peer matrix

Dispersion: efficiency vs. valuation

Lateral intelligence network

Unlock Financial Statements

Unlock Ownership & Management

Intelligence Feed

Onity Group Officially Rebrands PHH Mortgage to Onity Mortgage

How The Onity Group (ONIT) Narrative Is Shifting With A Refined 60 Dollar Target

Onit Expands the Unity Suite with Unity RFP to Strengthen Legal Vendor Governance and Rate Transparency

Onit Changes the Game with AI-Native Unity ELM for Matter and Spend Management, Announces Commercial Success of Unity Spend Agent

Unlock Earnings Transcripts

Institutional Intelligence FAQ

Related Research & Tools

Related Financials Stocks

ONITY GROUP INC. (ONIT) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does ONITY GROUP INC. Do?

ONITY GROUP INC. (ONIT) Stock Rating — Reduce (April 2026)

ONIT Stock Price and 52-Week Range

Is ONIT Overvalued or Undervalued? — Valuation Analysis

ONITY GROUP INC. Profitability — ROE, Margins, and Quality Score

ONIT Debt, Balance Sheet, and Financial Health

ONITY GROUP INC. Revenue and Earnings History — Quarterly Trend

ONIT Dividend Yield and Income Analysis

ONIT Momentum and Technical Analysis Profile

ONIT vs Competitors — Financials Sector Ranking and Peer Comparison

ONIT Next Earnings Date

Should You Buy ONIT? — Investment Thesis Summary

Related Resources for ONIT Investors

Comments

Institutional Benchmarks

Related research

Get alerted on rating changes

Intelligence Feed

Onity Group Officially Rebrands PHH Mortgage to Onity Mortgage

How The Onity Group (ONIT) Narrative Is Shifting With A Refined 60 Dollar Target

Onit Expands the Unity Suite with Unity RFP to Strengthen Legal Vendor Governance and Rate Transparency

Onit Changes the Game with AI-Native Unity ELM for Matter and Spend Management, Announces Commercial Success of Unity Spend Agent