US · ONIT
Onity Group Inc.
- Sector
- Financial Services · Financial - Mortgages
- Headquarters
- West Palm Beach, FL 33409
- Website
- onitygroup.com
Price · as of 2025-12-31
$47.74
Market cap 357.14M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $1,546.65 | +3,139.74% |
| Intrinsic Value(DCF) | $17.02 | -64.35% |
| Graham-Dodd Method(GD) | $202.25 | +323.66% |
| Graham Formula(GF) | $187.22 | +292.16% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $248.10 | $608.25 | $0.00 | $238.94 | $478.56 |
| 2012 | $606.30 | $523.06 | $0.00 | $252.39 | $1,502.30 |
| 2013 | $598.50 | $552.23 | $0.00 | $313.52 | $4,765.61 |
| 2014 | $140.55 | $653.26 | $1.67 | $0.00 | $0.00 |
| 2015 | $44.25 | $479.07 | $0.00 | $0.00 | $144.24 |
| 2016 | $66.75 | $568.22 | $6.57 | $0.00 | $339.80 |
| 2017 | $63.75 | $693.15 | $53.78 | $0.00 | $73.91 |
| 2018 | $30.75 | $714.74 | $59.62 | $22.54 | $25.07 |
| 2019 | $16.50 | $708.28 | $84.75 | $0.00 | $0.00 |
| 2020 | $28.21 | $697.93 | $101.41 | $24.50 | $25.93 |
| 2021 | $24.38 | $963.29 | $96.04 | $62.87 | $35.88 |
| 2022 | $28.40 | $1,098.62 | $129.11 | $67.67 | $3.70 |
| 2023 | $24.96 | $1,222.40 | $0.00 | $10.91 | $0.00 |
| 2024 | $30.72 | $11,915.49 | $0.00 | $84.75 | $7.88 |
| 2025 | $42.55 | $1,546.65 | $0.00 | $202.25 | $187.22 |
AI valuation
Our deep-learning model estimates Onity Group Inc.'s (ONIT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $1,546.65
- Current price
- $47.74
- AI upside
- +3,139.74%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$17.02
-64.35% upside
Graham-Dodd
$202.25
+323.66% upside
Graham Formula
$187.22
+292.16% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ONIT | Onity Group Inc. | $47.74 | 357.14M | +3,140% | -64% | +324% | +292% | 1.80 | 0.50 | 0.32 | 25.60 | 0.43 | -0.16 | 94.48% | 55.28% | 17.77% | 32.37% | 3.90% | 1.16% | 21.68 | 1.23 | — | — | 25.01 | 41961.00% | -24.00% | 861.00% | -218.76% | — | -4.95% | 0.00% | 0.00% | 11.52% | 25.19 | -19.86 | 13.93 | 0.41 |
| BCML | BayCom Corp | $29.40 | 320.39M | +75% | -14% | +7% | -17% | 12.10 | 0.88 | 2.08 | 9.81 | — | 1.01 | 69.62% | 23.33% | 17.15% | 7.41% | 6.21% | 0.91% | 0.27 | 0.79 | 0.03 | 0.02 | 1.79 | -749.00% | 361.00% | -8.00% | 10.03% | 0.01 | 7.54% | 1.18% | 14.30% | 6.05% | 10.81 | 12.11 | 2.52 | -0.73 |
| CBAN | Colony Bankcorp, Inc. | $19.83 | 352.78M | +58% | -22% | -34% | +21% | 11.69 | 1.00 | 1.58 | 12.26 | 120.77 | 1.23 | 63.64% | 16.74% | 13.51% | 8.95% | 9.14% | 0.77% | 0.89 | 0.48 | 0.03 | 0.03 | 5.89 | 968.00% | 1001.00% | 2854.00% | 8.00% | 0.01 | 8.54% | 2.83% | 33.10% | 3.30% | 15.63 | 20.70 | 2.62 | -0.76 |
| CZNC | Citizens & Northern Corpo… | $22.46 | 344.77M | +224% | -21% | +10% | -52% | 15.61 | 1.07 | 2.37 | 0.02 | — | 1.37 | 65.34% | 18.58% | 15.19% | 7.59% | 42.26% | 0.82% | 0.55 | 0.60 | — | — | 5.01 | -1361.00% | -82.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 0.02 | — | 0.00 | 0.18 |
| FMAO | Farmers & Merchants Banco… | $25.86 | 355.57M | +285% | +15% | +27% | +39% | 11.09 | 1.00 | 1.95 | 3.53 | 13.95 | 1.32 | 62.27% | 22.49% | 17.61% | 9.44% | 34.43% | 0.98% | 0.81 | 0.61 | — | — | 4.76 | 7947.00% | 710.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 3.53 | — | 0.79 | 0.45 |
| FNLC | The First Bancorp, Inc. | $27.65 | 310.21M | +24% | -14% | -61% | +101% | 9.85 | 1.05 | 1.61 | 2.53 | — | 1.20 | 48.20% | 19.70% | 16.35% | 10.91% | 77.71% | 0.89% | 0.58 | 0.38 | 0.12 | 0.12 | 2.77 | -865.00% | 1519.00% | -2833.00% | 9.23% | 0.01 | 70.61% | 5.93% | 58.40% | 6.01% | 2.71 | 3.59 | 0.53 | -0.69 |
| FSBW | FS Bancorp, Inc. | $39.51 | 297.05M | +43% | -11% | +13% | +104% | 8.07 | 0.96 | 1.39 | 8.38 | — | 1.05 | 66.99% | 20.41% | 17.19% | 12.50% | 12.07% | 1.17% | 1.20 | 0.67 | 0.09 | 0.09 | 6.17 | -439.00% | 996.00% | -3528.00% | 17.41% | 0.02 | 16.95% | 2.92% | 23.60% | 3.95% | 10.50 | 8.88 | 2.14 | -0.55 |
| MVBF | MVB Financial Corp. | $27.00 | 343.49M | +393% | -7% | +36% | +105% | 12.72 | 1.03 | 1.27 | -6.45 | 36.73 | 1.03 | 71.66% | 13.63% | 9.96% | 8.42% | -9.07% | 0.84% | 0.22 | 0.54 | — | — | -4.62 | 3464.00% | 1896.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | -6.45 | — | -0.88 | 1.27 |
| PCB | PCB Bancorp | $22.36 | 318.87M | +325% | +123% | +82% | +97% | 8.50 | 0.82 | 1.52 | 3.91 | 17.61 | 0.83 | 53.34% | 25.07% | 17.89% | 9.94% | 22.77% | 1.18% | 0.18 | 0.56 | 0.16 | 0.16 | 0.89 | 4828.00% | 910.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.91 | — | 0.98 | -0.11 |
| PLBC | Plumas Bancorp | $50.30 | 349.86M | -16% | +755% | -26% | — | 8.83 | 1.42 | 3.47 | -5.07 | — | 1.47 | 83.76% | 53.53% | 39.28% | 17.60% | -9.68% | 1.77% | 0.35 | 3.67 | 0.37 | 0.37 | -0.50 | -438.00% | -1417.00% | -1727.00% | 11.81% | 0.02 | -10.09% | 2.52% | 22.20% | 22.54% | -5.26 | -6.88 | -2.82 | -0.27 |
| WSBF | Waterstone Financial, Inc… | $17.81 | 328.72M | +578% | -43% | +52% | -23% | 12.20 | 0.92 | 1.60 | 13.16 | 26.22 | 0.92 | 71.24% | 16.59% | 13.10% | 7.67% | 4.97% | 1.18% | 1.18 | 0.56 | 11.12 | 1.68 | 10.43 | 4653.00% | 112.00% | -9642.00% | 0.52% | 0.01 | 0.32% | 0.00% | 0.00% | 19.36% | 13.16 | 261.43 | 2.18 | 1.36 |
About Onity Group Inc.
Onity 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. It operates through the Servicing and Originations segments. The company offers owned mortgage servicing rights and subservicing products; conventional, government-insured, and non-agency mortgage loans, as well as reverse mortgage and multi-family loans; and residential forward mortgage and small commercial mortgage loans. It also originates and purchases conventional and government-insured residential forward and reverse mortgage loans through its correspondent lending arrangements, broker relationships, and retail channels. The company offers its services under the PHH Mortgage and Liberty Reverse Mortgage brands. It serves financial institutions. The company was formerly known as Ocwen Financial Corporation and changed its name to Onity Group Inc. in June 2024. Onity Group Inc. was founded in 1988 and is headquartered in West Palm Beach, Florida.
- CEO
- Glen A. Messina
- Employees
- 4.2K
- Beta
- 1.55
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($17.02 ÷ $47.74) − 1 = -64.35% (DCF, example).