ONITY GROUP INC. ONIT

Financials SIC 6162 - Mortgage Bankers & Loan Correspondents NAICS Finance and Insurance › Credit Intermediation and Related Activities derived NYSE

We are a financial services company that services and originates both forward and reverse mortgage loans, through our primary brands, PHH Mortgage and Liberty Reverse Mortgage. We are a leader in the servicing industry that is focused on creating positive outcomes for homeowners, clients, and investors. This long-standing core competency continues to be a guiding principle as we seek to grow our business and improve our financial performance.

We are headquartered in West Palm Beach, Florida with offices and operations in the U.S., in the United States Virgin Islands (USVI), in India and the Philippines. At December 31, 2025, approximately 75% of our workforce was located outside the U.S. Onity Group Inc. is a Florida corporation organized in February 1988. With our predecessor companies, we have been servicing residential mortgage loans since 1988. We have been originating forward mortgage loans since 2012 and reverse mortgage loans since 2013.

Last close 35.46 2026-09-04
Market cap $296.3M 2026-06-30 share count
52-week range 33.00 - 54.10

Valuation FY2025 figures against the last close

P/S5.1x
P/E1.7x
P/FCF—
EV/EBITDA—
Dividend yield—
Diluted EPS21.46

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $57.8M$42.0M$32.0M$33.2M$42.7M$25.6M$23.3M$28.4M$70.3M$110.2M
Total operating expenses $491.7M$436.5M$412.1M$532.4M$609.3M$575.7M$673.9M$779.0M$945.7M$1.22B
Interest expense $308.6M$288.9M$273.6M$186.0M$144.0M$109.4M$114.1M$103.4M$126.9M$412.6M
Pre-tax income $62.7M$39.3M-$58.1M$24.9M-$4.4M-$105.7M-$126.5M-$71.5M-$144.0M-$206.4M
Income tax $126.8M$5.3M$5.6M$800.0K$22.4M$65.5M$15.6M$529.0K$15.5M$7.0M
Net income $189.5M$33.9M-$63.7M$25.7M$18.1M-$40.2M-$142.1M-$70.8M-$128.0M-$199.8M
EPS, basic 23.074.28-8.342.972.00-4.59-15.86—-1.01-1.61
EPS, diluted 21.464.13-8.342.851.93-4.59-15.86-7.94-1.01-1.61
Shares, diluted (wtd. avg.) 8.6M8.1M7.6M9.0M9.4M8.7M9.0M8.9M127.1M124.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $180.5M$184.8M$201.6M$274.2M$263.5M$357.2M$492.3M$397.0M$302.6M$302.4M
Property, plant and equipment $10.8M$11.0M$13.1M$20.2M$13.7M$16.9M$38.3M$33.4M$37.0M$62.7M
Other intangibles $2.4M$3.3M$6.2M$14.7M$14.3M$600.0K————
Total assets $16.17B$16.44B$12.51B$12.40B$12.15B$10.65B$10.41B$9.39B$8.40B$7.66B
Total liabilities $15.49B$15.94B$12.11B$11.94B$11.67B$10.24B$9.99B$8.84B$7.86B$7.00B
Retained earnings $71.9M-$117.6M-$151.6M-$87.9M-$113.6M-$131.7M-$138.5M$3.6M-$2.1M$126.2M
Total equity $627.9M$442.9M$401.8M$456.7M$476.7M$415.4M$412.1M$554.7M$546.9M$655.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow -$748.0M-$573.8M$10.4M$173.2M-$468.4M$261.0M$151.9M$272.6M$409.0M$421.2M
Depreciation and amortisation $4.4M$5.4M$7.0M$10.5M$10.3M$19.1M$31.9M$27.2M$26.9M$25.3M
Stock-based compensation $7.6M$7.8M$9.7M$4.6M$4.7M$2.4M$2.7M$2.4M$5.6M$5.2M
Capital expenditure $2.9M$800.0K$2.2M$5.5M$3.3M$4.1M$2.0M$9.0M$9.1M$33.5M
Investing cash flow $1.85B$401.3M-$100.3M-$149.1M-$1.01B-$527.9M-$587.4M-$344.9M-$839.2M-$791.6M
Financing cash flow -$1.10B$182.9M$70.8M-$13.4M$1.38B$131.8M$530.8M$166.7M$430.4M$316.2M
Buybacks ——$0$50.0M$0$4.6M$0$0$0$5.9M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001493152-26-016598.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Total current liabilities
  • Depreciation and amortisation
  • Receivables
  • Total assets
Total current liabilities, Depreciation and amortisation, Receivables, Total assets by fiscal year, in US dollars The same figures are in the table below this chart. 0 5B 10B 15B 20B Depreciation and amortisation, FY2016: 25.3M Total assets, FY2016: 7.7B Depreciation and amortisation, FY2017: 26.9M Total assets, FY2017: 8.4B Depreciation and amortisation, FY2018: 27.2M Total assets, FY2018: 9.4B Depreciation and amortisation, FY2019: 31.9M Total assets, FY2019: 10.4B Depreciation and amortisation, FY2020: 19.1M Total assets, FY2020: 10.7B Depreciation and amortisation, FY2021: 10.3M Total assets, FY2021: 12.1B Depreciation and amortisation, FY2022: 10.5M Total assets, FY2022: 12.4B Depreciation and amortisation, FY2023: 7M Total assets, FY2023: 12.5B Depreciation and amortisation, FY2024: 5.4M Total assets, FY2024: 16.4B Depreciation and amortisation, FY2025: 4.4M Total assets, FY2025: 16.2B FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Total current liabilities — — — — — — — — — —
Depreciation and amortisation $25.3M $26.9M $27.2M $31.9M $19.1M $10.3M $10.5M $7.0M $5.4M $4.4M
Receivables — — — — — — — — — —
Total assets $7.66B $8.40B $9.39B $10.41B $10.65B $12.15B $12.40B $12.51B $16.44B $16.17B

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Other event Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Officer or director change Item 5.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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