ONITY GROUP INC (ONIT)
Financials · Mortgage servicing and origination · NYSE
Onity is a mortgage servicing and origination company managing 1.4 million loans worth $328 billion in principal through forward and reverse mortgage platforms built for efficiency and institutional scale.
What ONITY GROUP INC does
Onity Group Inc. is a financial services company that services and originates both forward and reverse mortgage loans through its primary brands PHH Mortgage and Liberty Reverse Mortgage. The company operates a dual-segment model: a Servicing business that manages owned mortgage servicing rights (MSR) and subservicing portfolios covering approximately 1.4 million loans with $328.3 billion in unpaid principal balance, and an Originations business that purchases MSRs and originates loans to replenish the servicing portfolio. The company is headquartered in West Palm Beach, Florida with operations across the U.S., U.S. Virgin Islands, India, and the Philippines.
Themes: Mortgage servicing, Reverse mortgages / HECM, Mortgage originations, MSR portfolio management, Residential mortgage finance, Loss mitigation and loan modifications, Bulk MSR purchases and flow agreements
Fundamentals
- Price$36.03 as of 2026-08-21 close
- Market cap$301M as of 2026-08-21
- 1-year return-9.0% 2025-08-21 close $39.61 → 2026-08-21 close $36.03
- P/E1.85 as of 2026-08-24
- Net margin+15.7% as of 2026-08-24
- Gross margin+94.2% as of 2026-08-24
- ROE+28.6% as of 2026-08-24
- Debt / equity23.71 as of 2026-08-24
- Revenue growth (YoY)+12.6% as of 2026-08-24
- Revenue CAGR (3y)+3.8% SEC XBRL
- Beta1.48 as of 2026-08-24
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.3%; pays a dividend.
How ONIT compares in its sector
- price-to-earnings ratiobottom 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- gross margintop 25% 176 covered Financials peers, as of 2026-08-24
- return on equitytop 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How ONITY GROUP INC looks technically
ONITY GROUP INC (ONIT) is trading 12.7% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 93 trading days ago — a "death cross", a bearish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 5 trading days ago (its momentum flipped negative). It made a new 20-day low about 3 trading days ago. It is 33.4% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 12.7% below its 200-day average, the long-term trend line — a long-term downtrend | -12.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $38.29 | $38.29 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $41.29 | $41.29 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 14 calendar days ago — the swings before that are what the structure reading is measured on | 14 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 40.24. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 93 trading days ago — a "death cross", a bearish long-term signal | 93 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend) | 22.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 40, neither overbought (above 70) nor oversold (below 30) | 40.4 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($33.00 to $40.24) — its "stochastic" reading is 42 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 41.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 5 trading days ago (its momentum flipped negative) | 5 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $54.10 | $54.10 |
|---|---|---|
| From the 52-week high | it is 33.4% below its 52-week high (its highest price of the past year) | -33.4% |
| Above the 52-week low | it is 9.2% above its 52-week low (its lowest price of the past year) | +9.2% |
| Below the 52-week high | it is 33.4% below its highest point of the past year | 33.4% |
| Since a 20-day breakout | it made a new 20-day low about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day low about 57 trading days ago | 57 sessions |
| All-time high | its highest closing price on record is $902.70 (set on 2013-10-28) | $902.70 |
| Given back of the 52-week move | over the past year its closes ranged ($33.86 to $53.35), and it has recovered only a small part of its fall from last year’s high — 11% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $45.90 to $46.53. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 11.1% |
| From the all-time high | it is 96.0% below its all-time high | -96.0% |
| Nearest price level | it is trading 0.6% above a support level at $35.81 — a price it turned at 7 times since 2025-03-20, most recently on 2025-10-31. Since 2024-08-21 it has 6 such levels below the current price and 7 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.6% |
| All-time low | its lowest closing price on record is $4.20 (set on 2020-04-03) | $4.20 |
| Above the all-time low | it is 757.9% above its all-time low | +757.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 45th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.04 between its high and its low — about 5.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $2.04 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $35.32 and $41.01 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $35.32 – $38.16 – $41.01 |
| Typical daily range (% of price) | its price moves about 5.7% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 5.7% |
| Stretch from the 200-day average | it is trading 2.6 daily ranges below its 200-day average price (12.7% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.6 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.61× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 2.8% since the prior reading | -2.8% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a bearish engulfing | 7 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 7 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 5.9% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +5.9% |
|---|---|---|
| Gap filled | a 5.9% gap up opened on 2026-08-21 has been "filled" today — price traded back through the level the gap left behind, and it closed again during the very session that opened it | today |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +0.98% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 12.3 percentage points (the stock lost 9.9% while the market gained 2.3%) | -12.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 0.4 percentage points (the stock gained 2.7% while the market gained 3.1%) | -0.4% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 25.6 percentage points (the stock lost 14.5% while the market gained 11.1%) | -25.6% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 29.5 percentage points (the stock lost 9.0% while the market gained 20.5%) | -29.5% |
Signal agreement
2
| Bullish technical signals | 0 of the 9 technical signals we can compute for it are currently in a bullish state — these describe past price behaviour, not a forecast | 0 of 9 |
|---|---|---|
| Bearish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 6.8% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 6.0% of the share price. | -6.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 12% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $41.14 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | -12.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% below the average price paid since it last reported on 2026-08-06 (its 10-Q), so the typical buyer over that stretch is under water. That average is $37.62 — a volume-weighted average of daily closes over 12 sessions, not a true tick-by-tick VWAP. | -4.2% |
Price levels it has turned at before
ONIT last closed at $36.03 on 2026-08-21. Since 2024-08-21 it has turned at 6 prices below its last close and 7 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $35.81 | Support | 0.6% below the last close | turned there 7 times · 2025-03-20 to 2025-10-31 |
| $36.81 | Resistance | 2.2% above the last close | turned there six times · 2024-09-27 to 2026-07-09 |
| $34.79 | Support | 3.5% below the last close | turned there twice · 2024-12-11 to 2025-02-04 |
| $33.11 | Support | 8.1% below the last close | turned there twice · 2026-06-01 to 2026-08-06 |
| $39.19 | Resistance | 8.8% above the last close | turned there six times · 2025-04-30 to 2026-06-17 |
| $40.06 | Resistance | 11.2% above the last close | turned there 7 times · 2025-05-20 to 2026-08-07 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $40.24.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $25.27 and $30.99 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $40.24.
This reading has stood for 6 trading days, since 2026-08-14.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · Broke down to a new 20-day low · MACD just crossed bearish (12/26/9) · Analyst price target recently CUT · lagging the market | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.50 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$52.50 range $50.00 – $55.00
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for ONIT
- Consensus EPS estimate$1.56 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Disruption from the announced transaction with Finance of America Reverse LLC, including regulatory approval uncertainty, timing of asset transfer, and indemnification obligations impacting operations and financial results","Impact of non-renewal by Rithm Capital Corp. of its subservicing agreements effective January 31, 2026, requiring operational restructuring and ability to offset reduced subservicing income with alternative revenue sources","Cybersecurity and data protection risks including potential breaches of IT systems or privacy protections at Onity, counterparties, or vendors, which could result in operational disruption, reputational damage, costly litigation, and regulatory penalties"]
What changed in the latest 10-Q
AI-assisted comparison of ONIT's 10-Q filed 2026-05-05 against the prior one filed 2025-11-06.
Risk Factors
- Added:
- Added bullet point in newer filing (2026-05-05): 'whether, and if so, when and under what conditions we will receive regulatory approval to close our announced transaction with Finance of America Reverse LLC, and the resulting impact on our operations, reputation, and financial results, including as a result of factors such as the amount of assets transferred at closing, the nature and amount of post-closing adjustments, and future payments related to indemnification obligations'
- Added bullet point in newer filing (2026-05-05): 'the amount of common stock that we may repurchase under our announced stock repurchase program, the timing of such repurchases, and the long-term impact, if any, of repurchases on the trading price of our stock or our financial condition'
- Added language in newer filing (2026-05-05): 'including our ability to compete against larger more conservatively capitalized companies, or privately funded companies with different profit objectives' (in market share bullet point)
- Removed:
- Removed from older filing (2025-11-06): reference to 'year ended December 31, 2024' (changed to 2025 in newer)
- Removed bullet point from older filing (2025-11-06): 'whether we will release some or all of the valuation allowance offsetting our net U.S. deferred tax asset, and the timing and amount of such release'
- Removed bullet point from older filing (2025-11-06): 'the timing for completion of our PHH Mortgage Corporation (PHH) rebranding and its impact on our business and third parties' perceptions of us'
- Removed language from older filing (2025-11-06): 'including the ongoing federal government shutdown' (from financial markets disruption bullet)
- Removed language from older filing (2025-11-06): 'the amount of common stock or senior debt that we may repurchase under any future stock or debt repurchase programs' (older version included senior debt repurchase)
- Removed language from older filing (2025-11-06): 'COVID-19-related and post pandemic-related rules and regulations, including' (changed to just 'rules and regulations' in newer)
- Removed language from older filing (2025-11-06): 'and media scrutiny of our business and industry' (appears truncated in both but older version includes this phrase)
- Reworded:
- Changed in newer filing (2026-05-05): 'third-party obligors' to 'third party obligors' (hyphen removal)
- Changed in newer filing (2026-05-05): reference from 'PHH' to 'Onity Mortgage Corporation (OMC)' in MSR Asset Vehicle bullet point
- Changed reference from 'Form 10-K for the year ended December 31, 2024' in older (2025-11-06) to 'Form 10-K for the year ended December 31, 2025' in newer (2026-05-05)
- Notes:
- Older filing text appears truncated at the end, limiting complete comparison of final risk factors
- Page numbers differ between filings (newer: 92-94, older: 95-97), reflecting different document lengths
- Some changes reflect corporate rebranding from PHH to Onity naming conventions
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for ONIT — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding ONIT as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 800,312
- Reported value $31,428,251
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
ONIT had 331,799 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
ONIT had 3.97% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.6 days to cover at the same settlement.
- Reported short interest (shares) 331,799
- Short interest (% of shares outstanding) 3.97%
- Prior settlement (shares) 325,686
- Reported change 1.88%
- Days to cover (reported) 6.6
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- PennyMac Financial Services (PFSI)
- Mr. Cooper Group (COOP)
- Rocket Companies (RKT)
- Ocwen Financial (OCN)
- Finance of America Companies (FOA)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does ONITY GROUP INC (ONIT) do?
Onity Group Inc. is a financial services company that services and originates both forward and reverse mortgage loans through its primary brands PHH Mortgage and Liberty Reverse Mortgage. The company operates a dual-segment model: a Servicing business that manages owned mortgage servicing rights (MSR) and subservicing portfolios covering approximately 1.4 million loans with $328.3 billion in unpaid principal balance, and an Originations business that purchases MSRs and originates loans to…
What sector is ONITY GROUP INC (ONIT) in?
ONITY GROUP INC (ONIT) is classified in the Financials sector. Its industry is Mortgage servicing and origination. It trades on NYSE.
Does ONIT pay a dividend?
Yes — ONITY GROUP INC (ONIT) pays a dividend, with an indicated yield of about 1.30% (market data, as of 2026-08-24). Informational only — not financial advice.
Who are ONITY GROUP INC's (ONIT) competitors?
Notable peers of ONITY GROUP INC (ONIT) include PennyMac Financial Services, Mr. Cooper Group, Rocket Companies, Ocwen Financial and Finance of America Companies. This peer set is informational only — not financial advice.
Is ONITY GROUP INC (ONIT) overbought or oversold right now?
ONITY GROUP INC (ONIT) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 40, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on ONIT come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.