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Onity Group (ONIT) Financials

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$27.78 -0.46 (-1.63%)
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Annual Income Statements for Onity Group

Annual Income Statements for Onity Group

This table shows Onity Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -247 -200 -128 -71 -142 -40 18 26 -64 33 185
Consolidated Net Income / (Loss)		 -247 -199 -128 -71 -142 -40 18 26 -64 34 190
Net Income / (Loss) Continuing Operations		 -247 -199 -128 -72 -142 -40 18 26 -64 34 190
Total Pre-Tax Income 		-130 -206 -144 -71 -126 -106 -4.40 25 -58 39 63
Total Revenue		 1,741 1,387 1,195 1,063 1,020 977 1,077 1,000 1,145 1,069 1,202
Net Interest Income / (Expense)		 0.00 0.00 0.00 0.00 17 16 26 46 78 93 135
Total Interest Income		 0.00 0.00 0.00 0.00 17 16 26 46 78 93 135
Investment Securities Interest Income		 - - - - 17 16 26 46 78 93 135
Total Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 1,741 1,387 1,195 1,063 1,002 961 1,050 954 1,067 976 1,067
Other Service Charges		 1,606 1,297 1,062 965 999 763 825 896 979 875 915
Net Realized & Unrealized Capital Gains on Investments		 135 90 57 37 -83 137 226 58 87 102 152
Provision for Credit Losses		 - - - 153 - 135 - - 232 96 170
Total Non-Interest Expense		 1,478 1,223 1,235 951 674 845 929 798 708 612 661
Salaries and Employee Benefits		 415 381 359 298 314 265 298 289 229 233 253
Net Occupancy & Equipment Expense		 268 191 167 158 147 107 93 100 84 84 98
Other Operating Expenses		 696 651 709 495 213 473 539 409 395 295 311
Nonoperating Income / (Expense), net		 -393 -370 -104 -30 -472 -103 -152 -177 -262 -322 -308
Income Tax Expense		 117 -6.99 -16 0.53 16 -66 -22 -0.80 5.60 5.30 -127
Preferred Stock Dividends Declared		 - - - - - - - 0.00 0.00 0.50 4.20
Basic Earnings per Share		 ($1.97) ($1.61) ($1.01) ($7.94) ($15.86) ($4.59) $2.00 $2.97 ($8.34) $4.28 $23.07
Weighted Average Basic Shares Outstanding		 125.32M 123.99M 127.08M 8.91M 8.96M 8.75M 9.02M 8.65M 7.64M 7.82M 8.04M
Diluted Earnings per Share		 ($1.97) ($1.61) ($1.01) ($7.94) ($15.86) ($4.59) $1.93 $2.85 ($8.34) $4.13 $21.46
Weighted Average Diluted Shares Outstanding		 125.32M 123.99M 127.08M 8.91M 8.96M 8.75M 9.38M 9.00M 7.64M 8.09M 8.64M
Weighted Average Basic & Diluted Shares Outstanding		 125.40M 124.10M 127.08M 133.50M 134.10M 17.38M 18.42M 7.53M 7.68M 7.87M 8.52M

Quarterly Income Statements for Onity Group

This table shows Onity Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 30 11 21 -29 21 21 18 126 6.60 -13 3.50
Consolidated Net Income / (Loss)		 30 11 21 -28 22 22 19 127 7.60 -12 4.50
Net Income / (Loss) Continuing Operations		 30 10 21 -28 22 22 19 127 7.70 -12 4.50
Total Pre-Tax Income 		32 13 28 -34 9.30 23 23 7.60 8.00 -15 9.30
Total Revenue		 257 269 290 254 276 279 318 330 335 338 341
Net Interest Income / (Expense)		 18 23 25 29 26 32 38 40 41 56 63
Total Interest Income		 18 23 25 29 26 32 38 40 41 56 63
Investment Securities Interest Income		 18 23 25 29 26 32 38 40 41 56 63
Total Interest Expense		 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00
Total Non-Interest Income		 239 246 266 225 250 247 280 290 294 283 278
Other Service Charges		 213 221 222 218 214 224 233 243 242 250 245
Net Realized & Unrealized Capital Gains on Investments		 26 25 44 6.40 36 22 47 47 53 33 34
Provision for Credit Losses		 12 33 32 - 39 27 45 59 69 71 67
Total Non-Interest Expense		 149 150 155 254 162 153 168 179 175 177 148
Salaries and Employee Benefits		 54 55 60 64 57 61 63 71 70 70 56
Net Occupancy & Equipment Expense		 20 21 21 22 23 24 25 26 26 26 27
Other Operating Expenses		 75 75 74 167 81 68 79 83 79 81 66
Nonoperating Income / (Expense), net		 -64 -73 -76 -109 -66 -76 -82 -84 -84 -106 -117
Income Tax Expense		 1.70 3.00 6.30 -5.70 -13 1.30 4.40 -120 0.30 -3.20 4.80
Preferred Stock Dividends Declared		 0.00 0.00 0.00 - 1.00 1.00 1.00 1.20 1.00 1.00 1.00
Basic Earnings per Share		 $3.91 $1.34 $2.72 ($3.69) $2.68 $2.55 $2.19 $15.65 $0.78 ($1.53) $0.42
Weighted Average Basic Shares Outstanding		 7.71M 7.82M 7.86M 7.82M 7.87M 8.02M 8.06M 8.04M 8.49M 8.45M 8.32M
Diluted Earnings per Share		 $3.74 $1.33 $2.65 ($3.59) $2.50 $2.40 $2.03 $14.53 $0.74 ($1.53) $0.41
Weighted Average Diluted Shares Outstanding		 8.05M 7.92M 8.06M 8.09M 8.44M 8.53M 8.72M 8.64M 8.98M 8.45M 8.57M
Weighted Average Basic & Diluted Shares Outstanding		 7.81M 7.85M 7.87M 7.87M 8.01M 8.06M 8.06M 8.52M 8.43M 8.35M 8.17M

Annual Cash Flow Statements for Onity Group

This table details how cash moves in and out of Onity Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 128 -54 0.16 94 95 -135 -94 11 -19 10 -1.00
Net Cash From Operating Activities		 582 421 409 273 152 261 -468 173 10 -574 -748
Net Cash From Continuing Operating Activities		 582 421 409 273 152 261 -468 173 11 -574 -748
Net Income / (Loss) Continuing Operations		 -247 -199 -128 -71 -142 -40 18 26 -64 34 190
Consolidated Net Income / (Loss)		 -247 -199 -128 -71 -142 -40 18 26 -64 34 190
Provision For Loan Losses		 101 81 77 49 35 26 23 21 26 24 18
Depreciation Expense		 19 25 27 27 32 19 10 11 7.00 5.40 4.40
Amortization Expense		 139 150 56 4.10 4.51 241 8.50 14 23 38 29
Non-Cash Adjustments to Reconcile Net Income		 239 -106 -4.32 -40 187 -101 -431 132 32 -685 -943
Changes in Operating Assets and Liabilities, net		 329 471 382 303 36 116 -97 -30 -14 10 -45
Net Cash From Investing Activities		 280 -792 -839 -345 -587 -528 -1,005 -149 -100 401 1,848
Net Cash From Continuing Investing Activities		 280 -792 -839 -345 -587 -528 -1,005 -149 -100 401 1,847
Purchase of Property, Leasehold Improvements and Equipment		 -37 -34 -9.05 -9.02 -1.95 -4.10 -3.30 -5.50 -2.20 -0.80 -2.90
Purchase of Investment Securities		 -1,020 -1,229 -1,454 -946 -1,175 -1,478 -2,633 -1,890 -1,164 -1,394 -1,368
Sale and/or Maturity of Investments		 1,338 470 624 571 591 954 1,638 1,746 1,108 1,797 3,223
Other Investing Activities, net		 - 0.00 0.00 39 -1.46 - -6.30 0.00 -42 -0.80 -5.10
Net Cash From Financing Activities		 -734 316 430 167 531 132 1,380 -13 71 183 -1,101
Net Cash From Continuing Financing Activities		 -734 316 430 167 531 132 1,380 37 71 183 -1,100
Issuance of Debt		 8,195 10,329 8,497 1,112 1,601 1,721 1,364 652 1,297 2,141 1,788
Issuance of Preferred Equity		 - - - - - - - 0.00 0.00 20 0.00
Repayment of Debt		 -8,932 -10,007 -8,133 -1,000 -848 -1,483 -1,915 -2,683 -1,469 -2,028 -2,947
Payment of Dividends		 - - - - - - - 0.00 0.00 -0.50 -4.20
Other Financing Activities, Net		 7.13 -0.05 53 55 -222 -102 1,921 2,068 243 51 63
Cash Interest Paid		 471 390 128 100 111 97 125 169 254 251 280
Cash Income Taxes Paid		 5.71 20 -24 11 4.08 -44 -22 -27 -4.60 13 7.60

Quarterly Cash Flow Statements for Onity Group

This table details how cash moves in and out of Onity Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
Net Change in Cash & Equivalents		 -3.90 -1.80 31 -15 -29 20 15 -6.70 43 86 -117
Net Cash From Operating Activities		 -297 -78 19 -218 -148 -599 230 -231 -1,590 -516 578
Net Cash From Continuing Operating Activities		 -297 -78 19 -218 -148 -599 228 -229 -1,590 -518 577
Net Income / (Loss) Continuing Operations		 30 11 21 -28 22 22 19 127 7.60 -12 4.50
Consolidated Net Income / (Loss)		 30 11 21 -28 22 22 19 127 7.60 -12 4.50
Provision For Loan Losses		 6.90 7.30 7.70 3.50 5.00 4.30 11 -2.30 6.80 10 5.50
Depreciation Expense		 1.40 1.40 1.30 1.30 1.20 1.10 1.00 1.10 1.10 1.10 2.10
Amortization Expense		 9.00 11 9.40 8.80 6.00 6.10 8.00 8.50 9.70 13 17
Non-Cash Adjustments to Reconcile Net Income		 -371 -94 -77 -139 -129 -686 105 -233 -1,499 -640 521
Changes in Operating Assets and Liabilities, net		 26 -14 56 -65 -54 54 84 -130 -116 109 27
Net Cash From Investing Activities		 -3.60 132 86 187 420 467 441 520 390 424 347
Net Cash From Continuing Investing Activities		 -3.60 132 86 187 420 467 441 520 390 424 347
Purchase of Property, Leasehold Improvements and Equipment		 -0.10 -0.10 -0.10 -0.50 -0.30 - -0.70 -1.90 -0.10 -0.80 -0.60
Purchase of Investment Securities		 -289 -306 -358 -442 -378 -324 -349 -317 -208 -234 -164
Sale and/or Maturity of Investments		 285 438 444 630 800 791 792 840 604 659 512
Net Cash From Financing Activities		 297 -56 -74 16 -300 152 -656 -296 1,243 178 -1,042
Net Cash From Continuing Financing Activities		 297 -56 -74 17 -300 152 -656 -296 1,243 178 -1,042
Issuance of Debt		 378 228 837 1,161 566 1,918 270 -966 1,967 1,159 2,069
Repayment of Debt		 -332 -558 -1,201 -1,473 -869 -2,043 -1,216 1,488 -728 -988 -3,114
Repurchase of Common Equity		 - - - - 0.00 - - - -6.10 -5.90 -6.00
Payment of Dividends		 0.00 - - - -1.00 -1.10 -1.00 -1.10 -1.00 -1.10 -1.00
Other Financing Activities, Net		 251 274 290 309 3.40 277 290 -817 11 15 9.90
Cash Interest Paid		 - - 68 - 46 - 61 93 55 102 78
Cash Income Taxes Paid		 - - 0.80 - 0.50 - -0.60 5.70 0.40 1.20 0.60

Annual Balance Sheets for Onity Group

This table presents Onity Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 7,380 7,656 8,403 9,394 10,406 10,651 12,147 12,399 12,514 16,435 16,171
Cash and Due from Banks		 257 257 260 329 428 285 193 208 202 185 181
Restricted Cash		 - - 43 68 64 72 71 66 54 81 84
Trading Account Securities		 - - - 243 275 388 929 623 677 1,290 11,699
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 58 63 37 33 38 17 14 20 13 11 11
Other Assets		 6,651 7,022 7,825 8,721 9,600 9,889 10,941 11,440 11,568 14,869 4,196
Total Liabilities & Shareholders' Equity		 7,380 7,656 8,403 9,394 10,406 10,651 12,147 12,399 12,514 16,435 16,171
Total Liabilities		 6,526 7,000 7,856 8,840 9,994 10,236 11,670 11,943 12,112 15,943 15,493
Short-Term Debt		 - - - - - 452 1,085 703 - 1,046 1,225
Long-Term Debt		 5,781 5,740 6,493 7,056 8,079 8,283 8,913 9,394 10,520 13,216 12,628
Other Long-Term Liabilities		 744 1,260 1,363 1,784 1,915 1,501 1,673 1,846 1,592 1,680 1,641
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 - - - - - - - - 0.00 50 50
Total Equity & Noncontrolling Interests		 855 655 547 555 412 415 477 457 402 443 628
Total Preferred & Common Equity		 852 653 545 555 412 415 477 457 402 443 628
Total Common Equity		 852 653 545 555 412 415 477 457 402 443 628
Common Stock		 527 528 548 555 558 556 593 547 555 559 556
Retained Earnings		 326 126 -2.08 3.57 -139 -132 -114 -88 -152 -118 72
Accumulated Other Comprehensive Income / (Loss)		 -1.76 -1.45 -1.25 -4.26 -7.59 -9.10 -2.40 -2.50 -1.20 1.20 -0.10

Quarterly Balance Sheets for Onity Group

This table presents Onity Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026 9/30/2026
Total Assets		 13,012 13,090 13,085 13,227 16,259 16,531 16,107 17,735 12,350 11,321
Cash and Due from Banks		 194 185 203 202 178 194 173 183 197 176
Restricted Cash		 72 66 46 79 59 62 98 125 196 100
Trading Account Securities		 948 1,029 1,107 1,198 1,402 2,048 1,916 12,747 3,602 2,747
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 16 12 12 12 11 9.70 9.80 11 11 10
Other Assets		 11,742 11,761 11,716 11,707 14,609 14,217 13,911 4,670 8,345 8,288
Total Liabilities & Shareholders' Equity		 13,012 13,090 13,085 13,227 16,259 16,531 16,107 17,735 12,350 11,321
Total Liabilities		 12,567 12,658 12,638 12,759 15,749 16,000 15,556 17,056 11,691 10,662
Short-Term Debt		 1,035 2,073 - 1,356 1,577 2,196 2,062 2,193 2,062 1,430
Long-Term Debt		 9,512 8,937 11,114 9,850 12,589 12,303 11,957 13,114 8,050 7,687
Other Long-Term Liabilities		 2,020 1,648 1,525 1,553 1,583 1,501 1,536 1,750 1,579 1,545
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 - - - - 50 50 50 50 50 50
Total Equity & Noncontrolling Interests		 445 432 446 468 460 482 501 629 610 609
Total Preferred & Common Equity		 445 432 446 468 460 482 501 629 610 609
Total Common Equity		 445 432 446 468 460 482 501 629 610 609
Common Stock		 552 555 557 558 554 555 555 551 545 540
Retained Earnings		 -104 -122 -111 -90 -96 -74 -55 79 66 69
Accumulated Other Comprehensive Income / (Loss)		 -2.40 -1.10 0.20 0.20 1.30 1.30 1.40 -0.10 -0.70 -0.70

Annual Metrics And Ratios for Onity Group

This table displays calculated financial ratios and metrics derived from Onity Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 125,390,482.00 123,989,954.00 130,859,058.00 133,912,425.00 134,771,626.00 8,683,994.00 9,200,752.00 7,590,348.00 7,677,008.00 - 8,058,874.00
DEI Adjusted Shares Outstanding		 125,390,482.00 123,989,954.00 130,859,058.00 133,912,425.00 134,771,626.00 8,683,994.00 9,200,752.00 7,590,348.00 7,677,008.00 - 8,058,874.00
DEI Earnings Per Adjusted Shares Outstanding		 -1.97 -1.61 -0.98 -0.53 -1.05 -4.63 1.97 3.39 -8.30 - 23.51
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -17.54% -20.33% -13.88% -11.01% -4.09% -4.20% 10.21% -7.15% 14.52% -6.58% 12.43%
EBITDA Growth		 18.72% -19.54% -87.55% -123.26% 3,992.89% -32.76% -35.27% 36.26% 3.31% 72.79% -0.07%
EBIT Growth		 245.41% -37.66% -124.64% -1.84% 940.60% -100.95% 4,569.70% 36.75% 1.14% 77.11% 2.74%
NOPAT Growth		 245.41% -37.66% -124.64% -1.84% 940.60% -100.87% 5,013.33% 101.76% -31.37% 118.78% 258.72%
Net Income Growth		 47.46% 19.19% 35.57% 45.04% -101.32% 71.72% 145.02% 41.99% -347.86% 153.22% 459.00%
EPS Growth		 45.28% 18.27% 37.27% 45.04% -101.32% 71.06% 142.05% 47.67% -392.63% 149.52% 419.61%
Operating Cash Flow Growth		 65.01% -27.58% -2.90% -33.36% -44.26% 71.78% -279.46% 136.98% -94.00% -5,617.31% -30.36%
Free Cash Flow Firm Growth		 840.23% -65.24% -289.50% 11.04% -6.76% -3.42% -84.71% 110.61% -273.82% -1,463.57% 138.24%
Invested Capital Growth		 -11.21% -3.62% 10.08% 8.10% 11.58% 7.76% 14.47% 0.75% 3.49% 35.11% -1.53%
Revenue Q/Q Growth		 -6.99% -3.05% -3.39% 3.32% -13.43% 54.16% -15.11% 0.89% -1.58% -3.71% 6.75%
EBITDA Q/Q Growth		 443.65% 77.04% -84.99% -105.96% 389.76% -60.97% -51.18% 46.58% -41.42% 41.38% -4.67%
EBIT Q/Q Growth		 299.31% 91.32% -123.99% -660.80% 523.79% -100.83% -53.84% 54.73% -45.16% 48.07% -4.94%
NOPAT Q/Q Growth		 299.31% 91.32% -123.99% -660.80% 265.03% -101.51% -68.44% -6.94% -2.72% 96.41% 97.13%
Net Income Q/Q Growth		 54.67% 51.75% -37.21% 37.81% 20.75% 74.86% -89.62% -77.06% 38.87% 133.79% 454.09%
EPS Q/Q Growth		 52.07% 51.51% -38.36% 37.81% 20.75% 75.11% -89.83% -78.29% 22.63% 140.12% 542.52%
Operating Cash Flow Q/Q Growth		 2.50% 166.41% -14.10% -7.66% -7.98% 20.88% -17.14% -19.46% 102.82% -675.41% -1.71%
Free Cash Flow Firm Q/Q Growth		 55.60% 111.13% -675.65% -107.43% 35.21% 6.49% 0.85% 547.52% -14.85% -574.18% 157.84%
Invested Capital Q/Q Growth		 -4.86% -6.86% 2.52% 6.40% 6.24% 3.53% 0.75% -0.90% -0.64% 26.40% -0.28%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 24.20% 24.43% 3.53% -0.92% 37.47% 26.30% 15.45% 22.67% 20.45% 37.83% 33.62%
EBIT Margin		 15.10% 11.82% -3.38% -3.87% 33.90% -0.34% 13.70% 20.18% 17.82% 33.79% 30.88%
Profit (Net Income) Margin		 -14.17% -14.37% -10.75% -6.64% -13.94% -4.12% 1.68% 2.57% -5.57% 3.17% 15.76%
Tax Burden Percent		 189.98% 96.61% 89.22% 98.77% 112.36% 38.03% -411.36% 103.21% 109.64% 86.26% 302.23%
Interest Burden Percent		 -49.39% -125.90% 356.55% 173.82% -36.59% 3,203.03% -2.98% 12.35% -28.48% 10.88% 16.89%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -3.21% 0.00% 13.49% -202.23%
Return on Invested Capital (ROIC)		 2.61% 1.76% -0.42% -0.39% 3.01% -0.02% 1.05% 1.98% 1.33% 2.43% 7.66%
ROIC Less NNEP Spread (ROIC-NNEP)		 -4.44% -3.69% -2.06% -1.01% -2.07% -0.48% 0.14% 0.16% -0.67% 0.19% 1.03%
Return on Net Nonoperating Assets (RNNOA)		 -28.64% -28.17% -20.95% -12.42% -32.41% -9.69% 3.01% 3.53% -16.17% 5.14% 24.72%
Return on Equity (ROE)		 -26.03% -26.41% -21.37% -12.82% -29.40% -9.72% 4.06% 5.51% -14.84% 7.58% 32.38%
Cash Return on Invested Capital (CROIC)		 14.49% 5.45% -10.02% -8.17% -7.94% -7.49% -12.44% 1.23% -2.10% -27.43% 9.20%
Operating Return on Assets (OROA)		 3.36% 2.18% -0.50% -0.46% 3.49% -0.03% 1.29% 1.64% 1.64% 2.50% 2.28%
Return on Assets (ROA)		 -3.15% -2.65% -1.60% -0.79% -1.44% -0.38% 0.16% 0.21% -0.51% 0.23% 1.16%
Return on Common Equity (ROCE)		 -25.95% -26.31% -21.30% -12.80% -29.40% -9.72% 4.06% 5.51% -14.84% 7.16% 29.62%
Return on Equity Simple (ROE_SIMPLE)		 -28.97% -30.53% -23.57% -12.73% -34.50% -9.68% 3.80% 5.63% -15.85% 7.65% 30.18%
Net Operating Profit after Tax (NOPAT)		 184 115 -28 -29 242 -2.10 103 208 143 313 1,121
NOPAT Margin		 10.57% 8.27% -2.37% -2.71% 23.73% -0.22% 9.58% 20.83% 12.48% 29.23% 93.27%
Net Nonoperating Expense Percent (NNEP)		 7.05% 5.45% 1.64% 0.62% 5.08% 0.45% 0.91% 1.82% 2.00% 2.25% 6.63%
SG&A Expenses to Revenue		 39.21% 41.23% 43.99% 42.89% 45.20% 38.12% 36.27% 38.93% 27.39% 29.63% 29.14%
Operating Expenses to Revenue		 84.90% 88.18% 103.38% 89.43% 66.10% 86.50% 86.30% 79.82% 61.89% 66.21% 55.00%
Earnings before Interest and Taxes (EBIT)		 263 164 -40 -41 346 -3.30 148 202 204 361 371
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 421 339 42 -9.82 382 257 166 227 234 405 404
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 15.39 15.35 11.27 4.85 6.72 0.60 0.77 0.51 0.59 0.55 0.59
Price to Tangible Book Value (P/TBV)		 15.39 15.35 11.27 4.85 6.72 0.60 0.77 0.51 0.59 0.55 0.59
Price to Revenue (P/Rev)		 7.53 7.23 5.14 2.53 2.72 0.26 0.34 0.23 0.21 0.23 0.31
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 20.32 9.03 0.00 7.23 1.99
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 4.92% 11.07% 0.00% 13.82% 50.24%
Enterprise Value to Invested Capital (EV/IC)		 2.81 2.43 1.75 1.23 1.22 0.94 0.96 0.95 0.96 0.97 0.96
Enterprise Value to Revenue (EV/Rev)		 10.70 11.18 10.33 8.80 10.16 8.83 9.38 10.06 9.17 13.36 11.65
Enterprise Value to EBITDA (EV/EBITDA)		 44.24 45.76 292.29 0.00 27.11 33.59 60.75 44.37 44.86 35.32 34.65
Enterprise Value to EBIT (EV/EBIT)		 70.88 94.63 0.00 0.00 29.96 0.00 68.49 49.85 51.47 39.55 37.73
Enterprise Value to NOPAT (EV/NOPAT)		 101.26 135.18 0.00 0.00 42.80 0.00 97.91 48.30 73.50 45.71 12.49
Enterprise Value to Operating Cash Flow (EV/OCF)		 32.04 36.82 30.16 34.30 68.16 33.06 0.00 58.05 1,009.68 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 18.24 43.67 0.00 0.00 0.00 0.00 0.00 77.59 0.00 0.00 10.40
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 6.76 8.76 11.87 12.72 19.61 21.03 20.97 22.11 26.18 28.94 20.44
Long-Term Debt to Equity		 6.76 8.76 11.87 12.72 19.61 19.94 18.70 20.57 26.18 28.94 18.63
Financial Leverage		 6.44 7.63 10.18 12.30 15.66 20.32 21.00 21.53 24.01 27.70 24.02
Leverage Ratio		 8.25 9.96 13.36 16.16 20.48 25.45 25.56 26.30 29.02 32.36 27.85
Compound Leverage Factor		 -4.08 -12.54 47.63 28.08 -7.50 815.19 -0.76 3.25 -8.26 3.52 4.70
Debt to Total Capital		 87.12% 89.75% 92.23% 92.71% 95.15% 95.46% 95.45% 95.67% 96.32% 96.66% 95.34%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 4.94% 10.36% 6.66% 0.00% 0.00% 8.43%
Long-Term Debt to Total Capital		 87.12% 89.75% 92.23% 92.71% 95.15% 90.52% 85.09% 89.01% 96.32% 96.66% 86.91%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.05% 0.04% 0.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.34% 0.34%
Common Equity to Total Capital		 12.83% 10.21% 7.74% 7.29% 4.85% 4.54% 4.55% 4.33% 3.68% 3.00% 4.32%
Debt to EBITDA		 13.72 16.94 153.85 -718.85 21.15 34.00 60.12 44.56 44.94 35.26 34.27
Net Debt to EBITDA		 13.11 16.18 146.68 -678.40 19.86 32.61 58.54 43.35 43.85 34.60 33.62
Long-Term Debt to EBITDA		 13.72 16.94 153.85 -718.85 21.15 32.24 53.60 41.46 44.94 35.26 31.24
Debt to NOPAT		 31.41 50.03 -229.72 -245.11 33.39 -4,159.55 96.90 48.50 73.63 45.63 12.35
Net Debt to NOPAT		 30.02 47.79 -219.02 -231.32 31.36 -3,989.43 94.34 47.18 71.85 44.78 12.12
Long-Term Debt to NOPAT		 31.41 50.03 -229.72 -245.11 33.39 -3,944.45 86.38 45.12 73.63 45.63 11.26
Noncontrolling Interest Sharing Ratio		 0.31% 0.36% 0.35% 0.17% 0.00% 0.00% 0.00% 0.00% 0.00% 5.57% 8.51%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1,022 355 -673 -599 -639 -661 -1,221 130 -225 -3,522 1,347
Operating Cash Flow to CapEx		 1,551.69% 1,256.72% 4,518.07% 3,023.27% 7,775.84% 6,365.85% -14,193.94% 3,149.09% 472.73% -71,725.00% -25,793.10%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.22 0.18 0.15 0.12 0.10 0.09 0.09 0.08 0.09 0.07 0.07
Fixed Asset Turnover		 34.50 23.05 23.95 30.19 28.44 35.39 70.30 58.97 68.74 88.74 110.29
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 6,636 6,395 7,040 7,610 8,491 9,150 10,475 10,553 10,921 14,756 14,530
Invested Capital Turnover		 0.25 0.21 0.18 0.15 0.13 0.11 0.11 0.10 0.11 0.08 0.08
Increase / (Decrease) in Invested Capital		 -838 -240 645 570 881 659 1,324 79 368 3,834 -226
Enterprise Value (EV)		 18,637 15,510 12,336 9,350 10,357 8,629 10,102 10,055 10,501 14,289 14,007
Market Capitalization		 13,110 10,025 6,144 2,692 2,770 251 368 232 236 242 369
Book Value per Share		 $6.79 $5.27 $4.17 $4.14 $3.06 $47.83 $51.81 $60.17 $52.34 $56.30 $77.93
Tangible Book Value per Share		 $6.79 $5.27 $4.17 $4.14 $3.06 $47.83 $51.81 $60.17 $52.34 $56.30 $77.93
Total Capital		 6,636 6,395 7,040 7,610 8,491 9,150 10,475 10,553 10,921 14,756 14,530
Total Debt		 5,781 5,740 6,493 7,056 8,079 8,735 9,998 10,097 10,520 14,263 13,852
Total Long-Term Debt		 5,781 5,740 6,493 7,056 8,079 8,283 8,913 9,394 10,520 14,263 12,628
Net Debt		 5,524 5,484 6,191 6,659 7,587 8,378 9,735 9,822 10,265 13,997 13,588
Capital Expenditures (CapEx)		 37 34 9.05 9.02 1.95 4.10 3.30 5.50 2.20 0.80 2.90
Net Nonoperating Expense (NNE)		 431 314 100 42 384 38 85 182 207 279 932
Net Nonoperating Obligations (NNO)		 5,781 5,740 6,493 7,056 8,079 8,735 9,998 10,097 10,520 14,263 13,852
Total Depreciation and Amortization (D&A)		 158 175 83 31 36 260 19 25 30 43 33
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($1.97) ($1.61) ($1.01) ($0.53) ($1.06) ($4.59) $2.00 $2.97 ($8.34) $4.28 $23.07
Adjusted Weighted Average Basic Shares Outstanding		 125.32M 123.99M 127.08M 133.70M 134.44M 8.75M 9.02M 8.65M 7.64M 7.82M 8.04M
Adjusted Diluted Earnings per Share		 ($1.97) ($1.61) ($1.01) ($0.53) ($1.06) ($4.59) $1.93 $2.85 ($8.34) $4.13 $21.46
Adjusted Weighted Average Diluted Shares Outstanding		 125.32M 123.99M 127.08M 133.70M 134.44M 8.75M 9.38M 9.00M 7.64M 8.09M 8.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 ($0.53) ($1.06) ($4.59) $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 123.85M 123.99M 133.36M 133.92M 134.95M 17.38M 18.42M 7.53M 7.68M 7.87M 8.52M
Normalized Net Operating Profit after Tax (NOPAT)		 184 115 -28 -29 242 -2.10 103 141 143 313 260
Normalized NOPAT Margin		 10.57% 8.27% -2.37% -2.71% 23.73% -0.22% 9.58% 14.13% 12.48% 29.23% 21.60%
Pre Tax Income Margin		 -7.46% -14.88% -12.05% -6.72% -12.41% -10.82% -0.41% 2.49% -5.08% 3.68% 5.22%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.47% 2.22%
Augmented Payout Ratio		 -1.68% -2.95% 0.00% 0.00% 0.00% -11.44% 0.00% 0.00% 0.00% 1.47% 2.22%

Quarterly Metrics And Ratios for Onity Group

This table displays calculated financial ratios and metrics derived from Onity Group's official financial filings.

Metric Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026
DEI Shares Outstanding		 7,677,008.00 7,809,618.00 7,845,055.00 - 7,873,053.00 8,008,515.00 8,055,222.00 8,058,874.00 8,521,636.00 8,432,137.00 8,354,520.00
DEI Adjusted Shares Outstanding		 7,677,008.00 7,809,618.00 7,845,055.00 - 7,873,053.00 8,008,515.00 8,055,222.00 8,058,874.00 8,521,636.00 8,432,137.00 8,354,520.00
DEI Earnings Per Adjusted Shares Outstanding		 3.92 1.34 2.73 - 2.81 2.68 2.32 15.78 0.89 -1.41 0.54
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -7.00% -8.04% 3.09% -13.98% 7.56% 3.64% 9.55% 29.97% 21.49% 21.42% 7.39%
EBITDA Growth		 270.98% 5.94% 31.54% 109.02% -22.15% 8.05% -0.26% 18.22% 23.97% -1.13% 27.01%
EBIT Growth		 325.33% -0.23% 32.48% 99.74% -21.21% 14.75% 1.35% 21.32% 21.49% -8.20% 19.83%
NOPAT Growth		 475.14% -18.10% 14.27% 349.40% 99.59% 39.42% 6.20% 2,792.23% -51.24% -31.85% -28.30%
Net Income Growth		 174.88% -32.26% 151.76% 40.84% -26.58% 104.76% -12.62% 552.67% -65.61% -155.35% -75.94%
EPS Growth		 170.04% -31.79% 152.38% 40.17% -33.16% 80.45% -23.40% 504.74% -70.40% -163.75% -79.80%
Operating Cash Flow Growth		 -43.25% 82.35% -94.91% -177.36% 50.15% -668.68% 1,095.31% -5.78% -973.53% 13.81% 151.68%
Free Cash Flow Firm Growth		 -183.15% 77.94% -120.45% -961.16% -476.44% -2,038.85% -367.71% 146.39% 60.02% 228.00% 272.69%
Invested Capital Growth		 5.73% 1.98% 6.20% 35.11% 28.27% 30.02% 24.82% -1.53% 8.92% -28.33% -32.91%
Revenue Q/Q Growth		 -12.96% 4.79% 7.92% -12.61% 8.83% 0.98% 14.07% 3.68% 1.73% 0.92% 0.89%
EBITDA Q/Q Growth		 197.70% -7.54% 16.92% -91.46% -3.50% 28.33% 7.92% -11.54% 1.19% 2.34% 38.65%
EBIT Q/Q Growth		 181.38% -10.03% 20.79% -100.29% -0.13% 31.03% 6.68% -13.09% 0.00% -0.98% 39.25%
NOPAT Q/Q Growth		 670.27% -26.23% 20.11% -34.15% 242.10% -48.47% -8.51% 1,693.30% -94.23% -27.99% -3.74%
Net Income Q/Q Growth		 163.37% -65.12% 103.81% -231.31% 178.65% -2.71% -13.02% 580.21% -94.03% -256.58% 137.82%
EPS Q/Q Growth		 162.33% -64.44% 99.25% -235.47% 169.64% -4.00% -15.42% 615.76% -94.91% -306.76% 126.80%
Operating Cash Flow Q/Q Growth		 -205.43% 73.78% 124.65% -1,235.42% 32.06% -304.32% 138.33% -200.48% -589.46% 67.54% 211.92%
Free Cash Flow Firm Q/Q Growth		 -48.65% 70.20% -280.83% -528.93% 19.25% -10.59% 16.72% 162.38% -169.61% 454.00% 12.36%
Invested Capital Q/Q Growth		 4.77% 1.03% 0.98% 26.40% -0.54% 2.41% -3.05% -0.28% 10.02% -32.62% -9.24%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.35% 36.48% 39.52% 3.86% 29.93% 38.03% 35.99% 30.70% 30.54% 30.97% 42.56%
EBIT Margin		 37.30% 32.02% 35.84% -0.12% 27.32% 35.45% 33.16% 27.79% 27.32% 26.80% 36.99%
Profit (Net Income) Margin		 11.73% 3.90% 7.37% -11.08% 8.01% 7.71% 5.88% 38.59% 2.27% -3.52% 1.32%
Tax Burden Percent		 94.65% 78.36% 77.54% 83.88% 237.63% 94.30% 81.30% 1,673.68% 95.00% 78.81% 48.39%
Interest Burden Percent		 33.23% 15.56% 26.54% 11,166.67% 12.33% 23.08% 21.82% 8.30% 8.73% -16.65% 7.36%
Effective Tax Rate		 5.35% 22.39% 22.83% 0.00% -139.78% 5.70% 19.13% -1,572.37% 3.75% 0.00% 51.61%
Return on Invested Capital (ROIC)		 3.57% 2.39% 2.71% 1.74% 5.46% 2.76% 2.30% 38.08% 2.16% 1.92% 1.98%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.00% 1.88% 2.17% 1.08% 4.20% 2.20% 1.77% 28.11% 1.62% 1.31% 1.49%
Return on Net Nonoperating Assets (RNNOA)		 75.82% 47.04% 51.66% 29.99% 112.24% 57.68% 43.88% 675.05% 40.07% 27.03% 28.46%
Return on Equity (ROE)		 79.39% 49.43% 54.37% 31.72% 117.70% 60.44% 46.18% 713.13% 42.24% 28.95% 30.43%
Cash Return on Invested Capital (CROIC)		 -4.20% -1.58% -4.61% -27.43% -20.69% -22.31% -17.74% 9.20% -1.34% 50.70% 82.10%
Operating Return on Assets (OROA)		 3.26% 2.68% 3.03% -0.01% 2.03% 2.63% 2.55% 2.05% 2.03% 2.45% 3.63%
Return on Assets (ROA)		 1.03% 0.33% 0.62% -0.82% 0.59% 0.57% 0.45% 2.85% 0.17% -0.32% 0.13%
Return on Common Equity (ROCE)		 79.39% 49.43% 54.36% 29.96% 111.46% 57.36% 43.92% 652.45% 38.70% 26.53% 27.92%
Return on Equity Simple (ROE_SIMPLE)		 1.53% 0.36% 3.10% 0.00% 5.63% 7.66% 6.82% 0.00% 27.81% 23.22% 20.93%
Net Operating Profit after Tax (NOPAT)		 91 67 80 53 181 93 85 1,529 88 63 61
NOPAT Margin		 35.30% 24.85% 27.66% 20.84% 65.51% 33.43% 26.81% 463.76% 26.29% 18.76% 17.90%
Net Nonoperating Expense Percent (NNEP)		 0.56% 0.51% 0.54% 0.65% 1.26% 0.56% 0.53% 9.97% 0.55% 0.61% 0.49%
SG&A Expenses to Revenue		 28.84% 28.08% 27.77% 34.19% 29.20% 30.32% 27.78% 29.40% 28.54% 28.34% 24.08%
Operating Expenses to Revenue		 58.18% 55.82% 53.31% 100.12% 58.59% 54.75% 52.69% 54.43% 52.10% 52.36% 43.29%
Earnings before Interest and Taxes (EBIT)		 96 86 104 -0.30 75 99 105 92 92 91 126
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 106 98 115 9.80 83 106 114 101 102 105 145
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.48 0.42 0.54 0.55 0.55 0.63 0.64 0.59 0.53 0.55 0.39
Price to Tangible Book Value (P/TBV)		 0.48 0.42 0.54 0.55 0.55 0.63 0.64 0.59 0.53 0.55 0.39
Price to Revenue (P/Rev)		 0.18 0.17 0.23 0.23 0.23 0.28 0.29 0.31 0.27 0.25 0.18
Price to Earnings (P/E)		 31.42 117.05 17.28 7.23 10.43 8.89 10.48 1.99 1.96 2.44 1.92
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 3.18% 0.85% 5.79% 13.82% 9.59% 11.25% 9.54% 50.24% 51.07% 41.02% 52.09%
Enterprise Value to Invested Capital (EV/IC)		 0.96 0.96 0.96 0.97 0.97 0.97 0.97 0.96 0.96 0.94 0.93
Enterprise Value to Revenue (EV/Rev)		 9.75 10.03 10.06 13.36 13.07 13.29 12.54 11.65 12.19 7.65 6.79
Enterprise Value to EBITDA (EV/EBITDA)		 43.14 45.39 39.06 35.32 37.36 35.53 33.30 34.65 36.28 23.90 20.12
Enterprise Value to EBIT (EV/EBIT)		 49.89 54.33 45.80 39.55 41.74 38.86 36.16 37.73 39.71 26.64 22.81
Enterprise Value to NOPAT (EV/NOPAT)		 71.90 253.54 70.23 45.71 26.77 28.99 24.82 12.49 13.95 4.43 1.76
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 38.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.40 0.00 1.54 0.91
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 25.48 24.91 23.93 28.94 27.77 27.26 25.43 20.44 22.54 15.33 13.85
Long-Term Debt to Equity		 20.68 24.91 21.04 28.94 24.68 23.13 21.69 18.63 19.31 12.20 11.67
Financial Leverage		 25.24 25.02 23.82 27.70 26.72 26.19 24.74 24.02 24.78 20.65 19.12
Leverage Ratio		 30.31 29.89 28.73 32.36 31.15 30.28 28.77 27.85 28.59 24.24 22.67
Compound Leverage Factor		 10.07 4.65 7.62 3,613.51 3.84 6.99 6.28 2.31 2.50 -4.04 1.67
Debt to Total Capital		 96.22% 96.14% 95.99% 96.66% 96.52% 96.46% 96.22% 95.34% 95.75% 93.87% 93.26%
Short-Term Debt to Total Capital		 18.12% 0.00% 11.62% 0.00% 10.75% 14.61% 14.15% 8.43% 13.72% 19.14% 14.63%
Long-Term Debt to Total Capital		 78.11% 96.14% 84.37% 96.66% 85.78% 81.85% 82.06% 86.91% 82.03% 74.73% 78.64%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.34% 0.34% 0.33% 0.34% 0.34% 0.31% 0.46% 0.51%
Common Equity to Total Capital		 3.78% 3.86% 4.01% 3.00% 3.14% 3.21% 3.44% 4.32% 3.94% 5.66% 6.23%
Debt to EBITDA		 43.31 45.64 39.17 35.26 37.18 35.29 33.07 34.27 36.10 23.92 20.10
Net Debt to EBITDA		 42.32 44.62 38.19 34.60 36.56 34.67 32.43 33.62 35.38 22.99 19.49
Long-Term Debt to EBITDA		 35.16 45.64 34.43 35.26 33.04 29.95 28.20 31.24 30.93 19.04 16.94
Debt to NOPAT		 72.19 254.97 70.41 45.63 26.64 28.79 24.65 12.35 13.88 4.43 1.75
Net Debt to NOPAT		 70.54 249.25 68.65 44.78 26.19 28.28 24.17 12.12 13.60 4.26 1.70
Long-Term Debt to NOPAT		 58.60 254.97 61.89 45.63 23.67 24.43 21.02 11.26 11.89 3.53 1.48
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.01% 5.57% 5.30% 5.10% 4.90% 8.51% 8.38% 8.38% 8.25%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -530 -158 -601 -3,781 -3,054 -3,377 -2,812 1,754 -1,221 4,322 4,856
Operating Cash Flow to CapEx		 -297,100.00% -77,900.00% 19,200.00% -43,600.00% -49,366.67% 0.00% 32,785.71% -12,136.84% -1,589,900.00% -64,512.50% 96,266.67%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.09 0.08 0.08 0.07 0.07 0.07 0.08 0.07 0.07 0.09 0.10
Fixed Asset Turnover		 73.31 75.47 79.89 88.74 96.35 99.86 104.76 110.29 114.16 127.65 135.83
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 11,442 11,560 11,674 14,756 14,677 15,030 14,571 14,530 15,986 10,771 9,776
Invested Capital Turnover		 0.10 0.10 0.10 0.08 0.08 0.08 0.09 0.08 0.08 0.10 0.11
Increase / (Decrease) in Invested Capital		 620 225 682 3,834 3,234 3,470 2,897 -226 1,309 -4,259 -4,795
Enterprise Value (EV)		 10,966 11,052 11,176 14,289 14,234 14,597 14,120 14,007 15,384 10,104 9,128
Market Capitalization		 207 187 251 242 254 306 322 369 335 335 237
Book Value per Share		 $56.03 $57.13 $59.67 $56.30 $58.45 $60.17 $62.25 $77.93 $73.85 $72.33 $72.85
Tangible Book Value per Share		 $56.03 $57.13 $59.67 $56.30 $58.45 $60.17 $62.25 $77.93 $73.85 $72.33 $72.85
Total Capital		 11,442 11,560 11,674 14,756 14,677 15,030 14,571 14,530 15,986 10,771 9,776
Total Debt		 11,010 11,114 11,206 14,263 14,167 14,498 14,020 13,852 15,307 10,112 9,118
Total Long-Term Debt		 8,937 11,114 9,850 14,263 12,589 12,303 11,957 12,628 13,114 8,050 7,687
Net Debt		 10,759 10,864 10,925 13,997 13,930 14,242 13,749 13,588 14,999 9,719 8,842
Capital Expenditures (CapEx)		 0.10 0.10 0.10 0.50 0.30 0.00 0.70 1.90 0.10 0.80 0.60
Net Nonoperating Expense (NNE)		 60 56 59 81 159 72 67 1,401 81 75 57
Net Nonoperating Obligations (NNO)		 11,010 11,114 11,206 14,263 14,167 14,498 14,020 13,852 15,307 10,112 9,118
Total Depreciation and Amortization (D&A)		 10 12 11 10 7.20 7.20 9.00 9.60 11 14 19
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.91 $1.34 $2.72 ($3.69) $2.68 $2.55 $2.19 $15.65 $0.78 ($1.53) $0.42
Adjusted Weighted Average Basic Shares Outstanding		 7.71M 7.82M 7.86M 7.82M 7.87M 8.02M 8.06M 8.04M 8.49M 8.45M 8.32M
Adjusted Diluted Earnings per Share		 $3.74 $1.33 $2.65 ($3.59) $2.50 $2.40 $2.03 $14.53 $0.74 ($1.53) $0.41
Adjusted Weighted Average Diluted Shares Outstanding		 8.05M 7.92M 8.06M 8.09M 8.44M 8.53M 8.72M 8.64M 8.98M 8.45M 8.57M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.81M 7.85M 7.87M 7.87M 8.01M 8.06M 8.06M 8.52M 8.43M 8.35M 8.17M
Normalized Net Operating Profit after Tax (NOPAT)		 91 67 80 53 53 93 85 64 88 63 88
Normalized NOPAT Margin		 35.30% 24.85% 27.66% 20.84% 19.12% 33.43% 26.81% 19.41% 26.29% 18.76% 25.90%
Pre Tax Income Margin		 12.39% 4.98% 9.51% -13.21% 3.37% 8.18% 7.24% 2.31% 2.39% -4.46% 2.72%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 1.47% 5.79% 7.05% 10.53% 2.22% 2.40% 2.97% 3.30%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 1.47% 5.79% 7.05% 10.53% 2.22% 2.40% 2.97% 3.30%

Financials Breakdown Chart

Key Financial Trends

Onity Group’s results show strong top-line growth but worsening earnings quality and cash-flow pressure. Total revenue increased from $281.5 million in Q3 2023 to $338.4 million in Q2 2026. Investment securities interest income more than doubled over the same period, rising from $25.9 million to $55.5 million. However, the company reported a $12.9 million net loss attributable to common shareholders in Q2 2026, compared with net income of $17.7 million in Q3 2025 and $126.1 million in Q4 2025.

Revenue growth has been driven primarily by non-interest sources. Other service-charge income rose from $247.8 million in Q3 2023 to $249.7 million in Q2 2026, while net realized and unrealized investment gains reached $33.2 million in the latest quarter. These gains can support revenue, but their volatility makes them less dependable than recurring operating income.

  • Interest income continues to expand: Investment securities interest income increased in every comparable period, reaching $55.5 million in Q2 2026 from $17.5 million in Q1 2024.
  • Revenue remains on a long-term growth trend: Quarterly revenue rose from $256.6 million in Q1 2024 to $338.4 million in Q2 2026, despite some quarter-to-quarter volatility.
  • Common equity has improved over the longer term: Total common equity increased to $609.9 million in Q2 2026 from $432.1 million in Q1 2024, although it has declined from $629.3 million in Q1 2026.
  • Investment portfolio liquidity has supported cash generation: Onity generated $424.0 million of investing cash flow in Q2 2026, primarily from $659.2 million of investment sales and maturities.
  • Non-interest expenses are elevated but relatively stable recently: Total non-interest expense was $177.2 million in Q2 2026, up from $150.1 million in Q2 2024 but below the $179.4 million reported in Q4 2025.
  • Asset levels remain volatile: Total assets declined to $12.35 billion in Q2 2026 from $17.74 billion in Q1 2026, while trading account securities fell sharply to $3.60 billion from $12.75 billion.
  • Profitability deteriorated sharply in the latest quarter: Onity moved from $7.7 million of continuing-operations net income in Q1 2026 to a $11.9 million loss in Q2 2026. Basic EPS fell from $0.78 to negative $1.53.
  • Credit-loss provisions are rising: The provision for credit losses increased to $70.5 million in Q2 2026 from $27.3 million in Q2 2024 and $16.4 million in Q3 2023. The higher provision consumed much of the company’s revenue growth.
  • Nonoperating expenses remain a major drag: Net nonoperating expense worsened to $105.8 million in Q2 2026 from $69.0 million in Q3 2023, helping push the company into a quarterly loss.
  • Operating cash flow remains consistently negative: Onity reported negative operating cash flow in Q2 2024, Q4 2025, Q1 2026 and Q2 2026. The latest figure was negative $516.1 million, while Q1 2026 operating cash flow was negative $1.59 billion.

Debt and financing trends warrant close monitoring. Total short- and long-term debt was approximately $10.11 billion in Q2 2026, down from roughly $15.33 billion in Q1 2026 but still substantially above the approximately $10.55 billion reported in Q3 2023. The company generated $177.8 million of financing cash flow in Q2 2026, but this primarily reflected $1.16 billion of new debt issuance partially offset by $988.4 million of repayments.

Overall, the statements present a mixed picture for investors. Onity has growing interest income, sizable investment liquidity and higher equity than in early 2024. However, recurring negative operating cash flow, rising credit-loss provisions, substantial nonoperating expenses and the return to a quarterly loss indicate elevated financial and earnings risk. The next few quarters will be important for determining whether Q2 2026 was temporary volatility or the beginning of a more persistent deterioration.

11/12/26 12:22 PM ETAI Generated. May Contain Errors.

Onity Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Onity Group's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Onity Group's net income appears to be on an upward trend, with a most recent value of $189.50 million in 2025, compared with -$246.71 million in 2015. The previous period was $33.90 million in 2024. Find out what analysts predict for Onity Group in the coming months.

Over the last 10 years, Onity Group's total revenue changed from $1.74 billion in 2015 to $1.20 billion in 2025, a change of -31.0%.

In the past 12 quarters, Onity Group's cash and equivalents has ranged from $172.80 million in Q3 2025 to $203.10 million in Q2 2024, and is currently $176 million as of their latest financial filing in Q3 2026.

Onity Group had total debt of $13.85 billion at the end of 2025, a 2.9% decrease from 2024, and a 139.6% increase since 2015.

Over the last 10 years, Onity Group's book value per share changed from 6.79 in 2015 to 77.93 in 2025, a change of 1,047.4%.


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Financial statements for NYSE:ONIT last updated on 11/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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