Onity Group Inc.
ONITFinancial ServicesNASDAQMortgage Finance
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Daily timeframeOnity Group Inc., a financial services company, originates and services forward and reserve mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. Valued at $296.3M, ONIT is a micro-cap name in its sector. The company operates through the Servicing and Originations segments.
Market Cap
$296.3M
Beta
1.44
P/E (TTM)
2.24
P/E (Fwd)
4.30
EPS (TTM)
$15.82
EPS (Fwd)
$8.24
ROE
23.8%
ROA
2.7%
Cash
$229.2M
Total Debt
$10.85B
Free CF
-$1.81B
52W Change
-18.5%
Annual Financials
Cash vs Debt
Where ONIT stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, ONIT finished 13.58% below its 150-day moving average ($39.46) and 16.99% below its 200-day moving average ($41.08). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is ONIT overbought or oversold?
At the September 3, 2026 close, ONIT's RSI(14) was 19.4, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, ONIT has $229.2M in cash with $10.85B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow is running at -$1.81B, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 23.8% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.7% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $999.5M (2022) to $1.20B (2025), reflecting a 20% increase over the period.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Onity Group Inc.'s trajectory.