Onity Group

ONIT

Financial - Mortgages · Financial Services

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Good

Cash Flow

Weak

Stability

Weak

Valuation

Good

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Winston Score History

The full picture

Onity Group Inc. is a residential mortgage company that helps homeowners manage their home loans. It primarily services mortgages, meaning it collects monthly payments from borrowers and handles tasks like escrow, insurance, and customer support on behalf of the banks and investors that own those loans. The company also originates new mortgages, helping people borrow money to buy or refinance homes.

Onity makes most of its money from servicing fees, which are small recurring fees earned on each loan it manages. It operates mainly in the United States and oversees a large portfolio of mortgage loans, giving it some scale advantages in a highly competitive and regulated industry. The company's main risk is interest rate sensitivity — when rates rise sharply, homeowners refinance less often, which can shrink the loan portfolio over time, while falling rates can trigger early payoffs that reduce future fee income.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+1.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-160.0% YoY

YoY Growth Rate

Earnings declining

Insider Activity

25.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~3 months

$604M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Short runway — potential dilution ahead through share issuance

Cash watch

Onity Group has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

75.1%

Premium pricing power — 75.1% gross margin

Profit after running costs

Operating Margin

25.9%

Excellent — 25.9% operating margin

Return on the money invested

ROCE

2.8%

Weak — 2.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

+9.5%

Steady sales growth (+9.5% YoY)

Profit growth

EPS YoY

+293.0%

Earnings growing fast (+293.0% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

-1488%

Weak — only -1488% of profit becomes cash

Spare cash per sale

FCF Margin

-224.8%

Burning cash (-224.8%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

16.43

Heavy debt load (16.43)

Covers its interest

Interest Cover

0.62x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

2.1x

no trend

Attractive valuation — P/E 2.1

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-14.0

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Not applicable for this business.

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