ONIT
NEUTRAL
$46.01
Live
Onity Group Inc. · NYSE
Target $60.0
(+30.4%)
$35.47
52W Range
$54.1
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated May 01, 2026
Market cap
$392.08M
P/E
2.14
ROE
32.4%
Profit margin
17.8%
Debt/Equity
21.69
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
ONIT presents a classic 'value trap' profile, characterized by a critically weak Piotroski F-Score of 2/9 and an extreme Debt/Equity ratio of 21.69. While the stock appears profoundly undervalued with a P/E of 2.14 and a Graham Number of $188.62, the market is likely pricing in significant insolvency risk and liquidity concerns evidenced by a Quick Ratio of 0.15. Strong revenue growth (29%) and high ROE (32.38%) are present, but these are likely amplified by the company's massive leverage. The divergence between the deterministic value scores and the financial health metrics necessitates a neutral stance until leverage is reduced.
Key Strengths
Extreme valuation discount (P/E 2.14, P/B 0.62)
Strong top-line growth with 29% YoY revenue increase
High Return on Equity (ROE) of 32.38%
Significant upside relative to Graham Number ($188.62) and Intrinsic Value ($150.22)
Strong analyst consensus with a 'strong_buy' recommendation and $60 target
Key Risks
Critical financial health (Piotroski F-Score 2/9)
Extreme leverage with a Debt/Equity ratio of 21.69
Severe liquidity risk indicated by a Quick Ratio of 0.15
High earnings volatility with massive historical EPS surprises
Sector-specific risks associated with Mortgage Finance and interest rate sensitivity
AI Fair Value Estimate
Based on comprehensive analysis
$72.5
+57.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
47
Moderate
95
75
50
15
0
AI Verdict
High-Risk Value Play
Key drivers: Extreme leverage, Deep valuation discount, Strong revenue growth, Poor financial health score
Confidence
90%
Value
95/100
Ref P/E 2.14, PEG 0.62, Graham Number $188.62
Positives
- P/E of 2.14 is exceptionally low
- Price/Book of 0.62 suggests asset undervaluation
- Trades far below Graham Number
Watchpoints
- Market skepticism reflected in low multiple
Future
75/100
Ref Growth rates and Analyst Target $60
Positives
- 29% YoY Revenue growth
- Strong Q/Q revenue momentum
- Positive analyst target price
Watchpoints
- Unpredictable earnings trajectory
Past
50/100
Ref 25-quarter earnings track record
Positives
- Consistent revenue growth
- Recent massive EPS beats
Watchpoints
- Extreme historical EPS volatility
- Inconsistent quarterly performance
Health
15/100
Ref Piotroski F-Score and Debt/Equity
Positives
- Current ratio slightly above 1.0
Watchpoints
- Piotroski F-Score 2/9 (Weak)
- Debt/Equity 21.69 (Extreme)
- Quick Ratio 0.15 (Critical)
Dividend
0/100
Ref Dividend Yield N/A
Positives
No standout positives identified.
Watchpoints
- No dividend paid
- 0% payout ratio
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$46.01
Analyst Target
$60.0
Upside/Downside
+30.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ONIT and closest competitors.
Updated 2026-04-30
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ONIT
Onity Group Inc.
Primary
|
+37.3% | +61.5% | +22.7% | +24.8% | +17.2% | -1.4% |
|
ISTR
Investar Holding Corporation
Peer
|
+52.2% | +128.3% | +84.4% | +30.1% | +5.9% | +4.0% |
|
BGR
BlackRock Energy and Resources Trust
Peer
|
+168.3% | +43.1% | +22.1% | +17.5% | +12.3% | +2.4% |
|
GCBC
Greene County Bancorp, Inc.
Peer
|
+96.3% | +17.1% | +13.1% | +4.8% | -1.4% | -1.8% |
|
LEO
BNY Mellon Strategic Municipals, Inc.
Peer
|
-9.6% | +13.1% | +13.2% | +2.2% | +4.2% | -0.9% |
ONI
Onity Group Inc.
Primary
5Y
+37.3%
3Y
+61.5%
1Y
+22.7%
6M
+24.8%
1M
+17.2%
1W
-1.4%
IST
Investar Holding Corporation
Peer
5Y
+52.2%
3Y
+128.3%
1Y
+84.4%
6M
+30.1%
1M
+5.9%
1W
+4.0%
BGR
BlackRock Energy and Resources Trust
Peer
5Y
+168.3%
3Y
+43.1%
1Y
+22.1%
6M
+17.5%
1M
+12.3%
1W
+2.4%
GCB
Greene County Bancorp, Inc.
Peer
5Y
+96.3%
3Y
+17.1%
1Y
+13.1%
6M
+4.8%
1M
-1.4%
1W
-1.8%
LEO
BNY Mellon Strategic Municipals, Inc.
Peer
5Y
-9.6%
3Y
+13.1%
1Y
+13.2%
6M
+2.2%
1M
+4.2%
1W
-0.9%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
2.14
Forward P/E
4.66
PEG Ratio
0.62
P/B Ratio
0.62
P/S Ratio
0.37
EV/Revenue
14.01
EV/EBITDA
25.75
Market Cap
$392.08M
Profitability
Profit margins and return metrics
Profit Margin
17.77%
Operating Margin
52.93%
Gross Margin
94.48%
ROE
32.38%
ROA
2.2%
Growth
Revenue and earnings growth rates
Revenue Growth
+29.0%
Earnings Growth
N/A
Q/Q Revenue Growth
+29.93%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
21.69
High debt
Current Ratio
1.15
Good
Quick Ratio
0.15
Poor
Cash/Share
$23.49
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.3B
Gross Margin
48.0%
Op. Margin
15.6%
Net Margin
38.6%
Total Assets
$16.2B
Liabilities
$15.5B
Equity
$0.6B
Debt/Equity
24.75x
Operating CF
$-0.2B
CapEx
$-0.1B
Free Cash Flow
$-0.4B
FCF Yield
159%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-05
$N/A
2026-02-12
$14.35
+483.5% surprise
2025-11-06
$2.12
+7.3% surprise
2025-08-05
$1.74
-13.7% surprise
Financial Services Sector Comparison
Comparing ONIT against 975 companies in the Financial Services sector
(156 bullish, 425 neutral, 394 bearish)
P/E Ratio
2.14
This Stock
vs
34.86
Sector Avg
-93.9%
(Discount)
Return on Equity (ROE)
32.38%
This Stock
vs
0.29%
Sector Avg
+10978.0%
(Excellent)
Profit Margin
17.77%
This Stock
vs
88.25%
Sector Avg
-79.9%
(Weaker)
Debt to Equity
21.69
This Stock
vs
1.32
Sector Avg
+1546.3%
(Higher)
Revenue Growth
29.0%
This Stock
vs
33.02%
Sector Avg
-12.2%
(Slower)
Current Ratio
1.15
This Stock
vs
3.69
Sector Avg
-68.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ONIT
Onity Group Inc.
|
NEUTRAL | $392.08M | 2.14 | 32.4% | 17.8% | $46.01 | |
|
ISTR
Investar Holding Corporation
|
NEUTRAL | $392.43M | 13.4 | 8.4% | 24.5% | $28.54 | Compare |
|
BGR
BlackRock Energy and...
|
BEARISH | $391.63M | 1500.0 | -0.0% | -0.8% | $15.0 | Compare |
|
GCBC
Greene County Bancorp, Inc.
|
NEUTRAL | $392.64M | 10.73 | 15.3% | 44.6% | $23.06 | Compare |
|
LEO
BNY Mellon Strategic...
|
BEARISH | $393.68M | - | -3.0% | -43.7% | $6.32 | Compare |
ONIT
Onity Group Inc.
NEUTRAL
Mkt Cap
$392M
P/E
2.1
ROE
32.4%
Price
$46.01
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-02 | ZELENY DENNIS | Officer | Stock Award | 15,212 | - |
| 2026-04-02 | MESSINA GLEN A | Chief Executive Officer | Stock Award | 101,419 | - |
| 2026-04-02 | ANDERSON SCOTT WILLIAM | Officer | Stock Award | 15,212 | - |
| 2026-04-02 | SAMARIAS JOSEPH J | Officer | Stock Award | 7,605 | - |
| 2026-04-02 | WADE AARON D | Chief Investment Officer | Stock Award | 7,605 | - |
| 2026-04-02 | O'NEIL SEAN BRADLEY | Chief Financial Officer | Stock Award | 16,482 | - |
| 2026-04-02 | EVANS JENNA D | Officer | Stock Award | 4,437 | - |
| 2026-04-02 | PEACH JAMES ANDREW | Officer | Stock Award | 3,222 | - |
| 2026-03-27 | ZELENY DENNIS | Officer | Stock Award | 3,827 | - |
| 2026-03-27 | MESSINA GLEN A | Chief Executive Officer | Stock Award | 25,513 | - |
| 2026-03-27 | BRADFIELD RICHARD J | Officer | Stock Award | 1,754 | - |
| 2026-03-27 | ANDERSON SCOTT WILLIAM | Officer | Stock Award | 3,827 | - |
| 2026-03-27 | SAMARIAS JOSEPH J | Officer | Stock Award | 1,913 | - |
| 2026-03-27 | WADE AARON D | Officer | Stock Award | 2,057 | - |
| 2026-03-27 | O'NEIL SEAN BRADLEY | Chief Financial Officer | Stock Award | 4,146 | - |
ZELENY DENNIS
Officer
2026-04-02
15,212 shares
MESSINA GLEN A
Chief Executive Officer
2026-04-02
101,419 shares
ANDERSON SCOTT WILLIAM
Officer
2026-04-02
15,212 shares
SAMARIAS JOSEPH J
Officer
2026-04-02
7,605 shares
WADE AARON D
Chief Investment Officer
2026-04-02
7,605 shares
O'NEIL SEAN BRADLEY
Chief Financial Officer
2026-04-02
16,482 shares
EVANS JENNA D
Officer
2026-04-02
4,437 shares
PEACH JAMES ANDREW
Officer
2026-04-02
3,222 shares
ZELENY DENNIS
Officer
2026-03-27
3,827 shares
MESSINA GLEN A
Chief Executive Officer
2026-03-27
25,513 shares
BRADFIELD RICHARD J
Officer
2026-03-27
1,754 shares
ANDERSON SCOTT WILLIAM
Officer
2026-03-27
3,827 shares
SAMARIAS JOSEPH J
Officer
2026-03-27
1,913 shares
WADE AARON D
Officer
2026-03-27
2,057 shares
O'NEIL SEAN BRADLEY
Chief Financial Officer
2026-03-27
4,146 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
8-K/A
8-K
8-K
10-K
ONIT's 10-K filing focuses on its operations within the servicing and originations sectors, with detailed disclosures regarding liquidity, capital resources, and cash flow. The report outlines critical risk factors and risk management strategies essential to the company's business model and financial condition.
8-K
8-K
8-K
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
2 analysts
BTIG
2026-02-12
Buy
Buy
Keefe, Bruyette & Woods
2025-11-10
Outperform
Outperform
Past News Coverage
Recent headlines mentioning ONIT from our newsroom.
Newest → oldest
No matching news yet.