NYSE : ONIT
Onity Group Inc. — Financial statements
Financials · Mortgage Finance · United States
Last price 27.76 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 231.92M
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Financial statements
Onity Group Inc. (ONIT) reported revenue of 1.15B USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Operating Revenue | 894.30M | 857.20M | 832.50M | 947.30M | 862.60M | 781.90M |
| Other Revenue | 253.20M | 209.50M | 143.50M | 119.40M | 91.30M | 268.20M |
| Revenue | 1.15B | 1.07B | 976.00M | 1.07B | 953.90M | 1.05B |
| Cost of Revenue | 74.50M | 58.90M | 52.30M | 57.30M | 64.90M | 113.60M |
| Gross Profit | 1.07B | 1.01B | 923.70M | 1.01B | 889.00M | 936.50M |
| Selling, General & Admin | 444.90M | 418.10M | 369.40M | 335.80M | 466.00M | 472.30M |
| Other Operating Expenses | 14.10M | 14.70M | 14.70M | 19.00M | 29.10M | 23.30M |
| Operating Expenses | 459.00M | 432.80M | 384.10M | 354.80M | 495.10M | 495.60M |
| Operating Income | 614.00M | 575.00M | 539.60M | 654.60M | 393.90M | 440.90M |
| Interest Expense | -351.60M | -308.60M | -288.90M | -273.60M | -186.00M | -144.00M |
| Interest & Investment Income | 173.60M | 135.40M | 93.30M | 78.00M | 45.60M | 26.40M |
| Earnings From Equity Investments | 22.90M | 7.30M | 18.50M | 3.60M | ||
| Other Non Operating Income (Expenses) | -412.30M | -339.10M | -278.30M | -525.70M | -275.60M | -315.70M |
| EBT Excluding Unusual Items | 23.70M | 62.70M | 88.60M | -59.40M | -3.60M | 11.20M |
| Legal Settlements | 27.60M | |||||
| Other Unusual Items | -49.40M | 1.30M | 900.00K | -15.50M | ||
| Pretax Income | 23.70M | 62.70M | 39.20M | -58.10M | 24.90M | -4.30M |
| Income Tax Expense | -118.00M | -126.80M | 5.30M | 5.60M | -800.00K | -22.40M |
| Earnings From Continuing Operations | 141.70M | 189.50M | 33.90M | -63.70M | 25.70M | 18.10M |
| Net Income to Company | 141.70M | 189.50M | 33.90M | -63.70M | 25.70M | 18.10M |
| Net Income | 141.70M | 189.50M | 33.90M | -63.70M | 25.70M | 18.10M |
| Preferred Dividends & Other Adjustments | 4.20M | 4.10M | 500.00K | |||
| Net Income to Common | 137.50M | 185.40M | 33.40M | -63.70M | 25.70M | 18.10M |
| Shares Outstanding (Basic) | 8.30M | 8.04M | 7.82M | 7.64M | 8.65M | 9.02M |
| Shares Outstanding (Diluted) | 8.63M | 8.64M | 8.09M | 7.64M | 9.00M | 9.38M |
| EPS (Basic) | 16.57 | 23.07 | 4.27 | -8.34 | 2.97 | 2.01 |
| EPS (Diluted) | 15.93 | 21.46 | 4.13 | -8.34 | 2.85 | 1.93 |
| Free Cash Flow | -2.11B | -750.90M | -574.60M | 8.20M | 167.70M | -471.70M |
| Free Cash Flow Per Share | -244.58 | -86.94 | -71.05 | 1.07 | 18.64 | -50.27 |
| Gross Margin | 93.51% | 94.48% | 94.64% | 94.63% | 93.20% | 89.18% |
| Operating Margin | 53.51% | 53.91% | 55.29% | 61.37% | 41.29% | 41.99% |
| Profit Margin | 11.98% | 17.38% | 3.42% | -5.97% | 2.69% | 1.72% |
| Free Cash Flow Margin | -183.93% | -70.39% | -58.87% | 0.77% | 17.58% | -44.92% |
| EBITDA | 619.30M | 580.40M | 547.90M | 666.70M | 408.70M | 451.90M |
| EBITDA Margin | 53.97% | 54.41% | 56.14% | 62.50% | 42.84% | 43.03% |
| D&A For EBITDA | 5.30M | 5.40M | 8.30M | 12.10M | 14.80M | 11.00M |
| EBIT | 614.00M | 575.00M | 539.60M | 654.60M | 393.90M | 440.90M |
| EBIT Margin | 53.51% | 53.91% | 55.29% | 61.37% | 41.29% | 41.99% |
| Effective Tax Rate | 13.52% | |||||
| Revenue as Reported | 1.15B | 1.07B | 976.00M | 1.07B | 953.90M | 1.05B |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 196.60M | 180.50M | 184.80M | 201.60M | 208.00M | 192.80M |
| Trading Asset Securities | 32.60M | 19.70M | 3.40M | 11.50M | 600.00K | 20.40M |
| Cash & Short-Term Investments | 229.20M | 200.20M | 188.20M | 213.10M | 208.60M | 213.20M |
| Accounts Receivable | 197.40M | 150.00M | 144.20M | 124.10M | 143.80M | 119.10M |
| Other Receivables | 36.50M | 39.80M | 32.20M | 30.70M | 37.00M | 61.60M |
| Receivables | 313.30M | 288.70M | 326.50M | 367.00M | 396.00M | 408.40M |
| Prepaid Expenses | 15.30M | 18.60M | 25.90M | 29.10M | 19.80M | 21.50M |
| Restricted Cash | 196.30M | 84.10M | 80.80M | 53.50M | 66.20M | 70.70M |
| Other Current Assets | 301.00M | 393.60M | 446.40M | 489.50M | 517.30M | 564.40M |
| Total Current Assets | 4.66B | 2.88B | 2.36B | 1.83B | 1.83B | 2.21B |
| Property, Plant & Equipment | 11.00M | 10.80M | 11.00M | 13.10M | 20.20M | 13.70M |
| Long-Term Investments | 3.64B | 37.80M | 42.20M | 23.30M | ||
| Other Intangible Assets | 3.21B | 2.83B | 2.47B | 2.28B | 2.68B | 2.26B |
| Long-Term Deferred Tax Assets | 125.90M | 123.80M | 3.20M | 3.10M | 2.60M | 3.30M |
| Long-Term Deferred Charges | 6.10M | 4.60M | 5.20M | 10.10M | 7.70M | 7.20M |
| Other Long-Term Assets | 699.00M | 10.33B | 11.59B | 8.34B | 7.82B | 7.63B |
| Total Assets | 12.35B | 16.17B | 16.44B | 12.51B | 12.40B | 12.15B |
| Accrued Expenses | 115.90M | 138.30M | 117.70M | 98.60M | 140.20M | 166.00M |
| Short-Term Debt | 464.50M | 988.80M | 681.60M | 404.00M | 360.30M | 521.30M |
| Current Portion of Long-Term Debt | 736.90M | 939.50M | 48.20M | 606.40M | 803.00M | 372.60M |
| Current Portion of Leases | 3.30M | |||||
| Current Income Taxes Payable | 1.00M | 2.90M | 1.00M | 8.20M | 6.20M | |
| Other Current Liabilities | 70.20M | 64.70M | 74.30M | 69.70M | 55.00M | 50.90M |
| Total Current Liabilities | 1.39B | 2.14B | 922.80M | 1.19B | 1.36B | 1.11B |
| Long-Term Debt | 9.64B | 12.77B | 14.40B | 10.41B | 10.09B | 9.91B |
| Long-Term Leases | 7.20M | 3.90M | 9.00M | 10.20M | 16.60M | 16.80M |
| Pension & Post-Retirement Benefits | 9.00M | 9.20M | 7.40M | 9.20M | 9.30M | 10.50M |
| Other Long-Term Liabilities | 646.00M | 573.90M | 601.00M | 496.40M | 466.40M | 622.40M |
| Total Liabilities | 11.69B | 15.49B | 15.94B | 12.11B | 11.94B | 11.67B |
| Common Stock | 100.00K | 100.00K | 100.00K | 100.00K | 100.00K | 100.00K |
| Additional Paid-In Capital | 544.90M | 556.10M | 559.30M | 554.50M | 547.00M | 592.60M |
| Retained Earnings | 65.60M | 71.90M | -117.60M | -151.60M | -87.90M | -113.60M |
| Comprehensive Income & Other | -700.00K | -200.00K | 1.10M | -1.20M | -2.50M | -2.40M |
| Total Common Equity | 609.90M | 627.90M | 442.90M | 401.80M | 456.70M | 476.70M |
| Shareholders' Equity | 659.80M | 677.80M | 492.80M | 401.80M | 456.70M | 476.70M |
| Total Liabilities & Equity | 12.35B | 16.17B | 16.44B | 12.51B | 12.40B | 12.15B |
| Total Debt | 10.85B | 14.70B | 15.14B | 11.43B | 11.27B | 10.82B |
| Net Cash (Debt) | -10.62B | -14.50B | -14.95B | -11.22B | -11.06B | -10.61B |
| Net Cash Per Share | -1,230.55 | -1,679.18 | -1,848.89 | -1,469.00 | -1,228.90 | -1,130.56 |
| Filing Date Shares Outstanding | 8.35M | 8.52M | 7.87M | 7.68M | 7.53M | 9.21M |
| Total Common Shares Outstanding | 8.41M | 8.52M | 7.87M | 7.68M | 7.53M | 9.21M |
| Working Capital | 3.27B | 739.40M | 1.44B | 642.60M | 465.90M | 1.10B |
| Book Value Per Share | 72.55 | 73.68 | 56.26 | 52.29 | 60.68 | 51.77 |
| Tangible Book Value | -2.60B | -2.20B | -2.03B | -1.88B | -2.22B | -1.79B |
| Tangible Book Value Per Share | -309.40 | -258.14 | -257.42 | -244.21 | -295.40 | -194.14 |
| Machinery | 27.20M | 25.70M | 25.10M | 28.90M | 30.20M | |
| Leasehold Improvements | 6.00M | 5.80M | 6.10M | 5.30M | 13.80M |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 141.70M | 189.50M | 33.90M | -63.70M | 25.70M | 18.10M |
| Depreciation & Amortization | 5.30M | 5.40M | 8.30M | 12.10M | 14.80M | 11.00M |
| Other Amortization | 38.20M | 27.60M | 34.90M | 18.00M | 10.10M | 7.80M |
| Loss (Gain) From Sale of Assets | -134.30M | -93.00M | -59.00M | -40.60M | -22.00M | -145.80M |
| Loss (Gain) From Sale of Investments | -13.70M | |||||
| Stock-Based Compensation | 8.00M | 7.60M | 7.80M | 9.70M | 4.60M | 4.70M |
| Provision & Write-off of Bad Debts | 17.90M | 17.80M | 24.00M | 25.70M | 20.50M | 22.70M |
| Other Operating Activities | 143.30M | 79.10M | 184.00M | 315.40M | 127.70M | 205.90M |
| Change in Accounts Receivable | 161.60M | 79.70M | 16.90M | 52.90M | 4.20M | 33.60M |
| Change in Other Net Operating Assets | -85.30M | -32.00M | 52.40M | -26.20M | -12.40M | 15.00M |
| Operating Cash Flow | -2.11B | -748.00M | -573.80M | 10.40M | 173.20M | -468.40M |
| Capital Expenditures | -3.50M | -2.90M | -800.00K | -2.20M | -5.50M | -3.30M |
| Sale (Purchase) of Intangibles | -407.10M | -238.20M | -13.80M | -154.90M | -48.10M | -846.50M |
| Sale (Purchase) of Real Estate | -44.90M | 9.90M | -6.20M | 7.80M | 4.80M | 1.60M |
| Investment in Securities | 51.00M | 4.40M | -19.00M | -23.30M | ||
| Other Investing Activities | 200.00K | 200.00K | 300.00K | 200.00K | 1.50M | |
| Investing Cash Flow | 1.77B | 1.85B | 401.30M | -100.30M | -149.10M | -1.01B |
| Long-Term Debt Issued | 1.28B | 1.64B | 485.40M | 653.50M | 2.00B | |
| Long-Term Debt Repaid | -3.45B | -2.53B | -1.46B | -2.68B | -2.53B | |
| Net Debt Issued (Repaid) | -330.40M | -2.17B | -892.00M | -979.40M | -2.03B | -535.40M |
| Issuance of Common Stock | 9.90M | |||||
| Repurchase of Common Stock | -12.00M | -50.00M | ||||
| Preferred Dividends Paid | -4.20M | -4.20M | -500.00K | |||
| Dividends Paid | -4.20M | -4.20M | -500.00K | |||
| Other Financing Activities | 815.00M | 1.07B | 1.06B | 1.05B | 2.07B | 1.91B |
| Financing Cash Flow | 468.40M | -1.10B | 182.90M | 70.80M | -13.40M | 1.38B |
| Net Cash Flow | 136.30M | -1.00M | 10.40M | -19.10M | 10.70M | -93.70M |
| Free Cash Flow | -2.11B | -750.90M | -574.60M | 8.20M | 167.70M | -471.70M |
| Free Cash Flow Margin | -183.93% | -70.39% | -58.87% | 0.77% | 17.58% | -44.92% |
| Free Cash Flow Per Share | -244.58 | -86.94 | -71.05 | 1.07 | 18.64 | -50.27 |
| Levered Free Cash Flow | -1.81B | -514.40M | -339.91M | 104.22M | 464.04M | -1.06B |
| Unlevered Free Cash Flow | -1.63B | -349.12M | -194.25M | 257.23M | 570.19M | -977.26M |
| Cash Interest Paid | 310.90M | 280.20M | 251.20M | 253.80M | 168.50M | 125.10M |
| Cash Income Tax Paid | 6.70M | 7.60M | 12.80M | -4.60M | -26.90M | -22.30M |
| Change in Working Capital | 76.30M | 47.70M | 69.30M | 26.70M | -8.20M | 48.60M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 229.92M | 390.21M | 241.64M | 236.14M | 232.11M | 367.75M |
| Enterprise Value | 10.85B | 15.12B | 12.09B | 12.00B | 11.12B | 10.78B |
| Last Close Price | 27.52 | 45.79 | 30.71 | 30.76 | 30.58 | 39.97 |
| PE Ratio | 1.73 | 2.10 | 7.24 | 9.03 | 20.32 | |
| Forward PE | 4.25 | 4.43 | 3.75 | 5.29 | 10.65 | 9.32 |
| PS Ratio | 0.20 | 0.37 | 0.25 | 0.22 | 0.24 | 0.35 |
| PB Ratio | 0.38 | 0.58 | 0.49 | 0.59 | 0.51 | 0.77 |
| P/FCF Ratio | 28.80 | 1.38 | ||||
| P/OCF Ratio | 22.71 | 1.34 | ||||
| PEG Ratio | 37.57 | 37.57 | 37.57 | 37.57 | 37.57 | |
| EV/Sales Ratio | 9.45 | 14.18 | 12.39 | 11.25 | 11.66 | 10.26 |
| EV/EBITDA Ratio | 17.52 | 26.05 | 22.07 | 17.99 | 27.21 | 23.85 |
| EV/EBIT Ratio | 17.67 | 26.30 | 22.41 | 18.32 | 28.24 | 24.45 |
| EV/FCF Ratio | 1,462.91 | 66.33 | ||||
| Debt / Equity Ratio | 16.44 | 21.69 | 30.73 | 28.45 | 24.67 | 22.70 |
| Debt / EBITDA Ratio | 16.61 | 23.95 | 26.14 | 16.36 | 25.01 | 22.16 |
| Debt / FCF Ratio | 1,393.88 | 67.18 | ||||
| Net Debt / Equity Ratio | 16.09 | 21.40 | 30.34 | 27.92 | 24.21 | 22.25 |
| Net Debt / EBITDA Ratio | 17.15 | 24.99 | 27.29 | 16.82 | 27.05 | 23.47 |
| Net Debt / FCF Ratio | -5.03 | -19.32 | -26.02 | 1,367.89 | 65.93 | -22.49 |
| Asset Turnover | 0.08 | 0.07 | 0.07 | 0.09 | 0.08 | 0.09 |
| Quick Ratio | 0.33 | 0.18 | 0.40 | 0.31 | 0.28 | 0.35 |
| Current Ratio | 3.35 | 1.35 | 2.56 | 1.54 | 1.34 | 1.99 |
| Return on Equity (ROE) | 23.78% | 32.38% | 7.58% | -14.84% | 5.51% | 4.06% |
| Return on Assets (ROA) | 2.66% | 2.20% | 2.33% | 3.28% | 2.01% | 2.42% |
| Return on Invested Capital (ROIC) | 4.40% | 3.75% | 3.45% | 5.66% | 3.49% | 4.29% |
| Return on Capital Employed (ROCE) | 5.60% | 4.10% | 3.50% | 5.80% | 3.60% | 4.00% |
| Earnings Yield | 57.90% | 48.56% | 14.03% | -26.97% | 11.07% | 4.92% |
| FCF Yield | -917.99% | -192.44% | -237.79% | 3.47% | 72.25% | -128.27% |
| Payout Ratio | 2.22% | 1.47% | ||||
| Buyback Yield / Dilution | -3.48% | -6.80% | -5.92% | 15.14% | 4.11% | -7.24% |