Onity Group (ONIT)
Services mortgage loans and originates forward loans through Onity Mortgage.
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Servicing is the center of the business, supported by forward originations, MSR purchases, and co-issue channels. The company runs a regulated non-bank mortgage platform with international operations and is moving reverse mortgages toward subservicing after the Finance of America Reverse transaction.
Servicing is the core business, combining owned mortgage servicing rights, subservicing, and special servicing for mortgage investors and other counterparties. Originations adds forward loans through correspondent, consumer-direct, MSR-purchase, co-issue, and related channels, with reverse mortgage activity shifting toward subservicing through Finance of America Reverse.
Operations are centered in the United States but supported by teams in India and the Philippines. The platform relies on Onity Mortgage, the renamed PHH Mortgage business, while Liberty Reverse Mortgage remains part of the reverse-mortgage history.
Execution depends on keeping servicing portfolios replenished, managing loan delinquencies and prepayments, financing servicing advances, and complying with CFPB, HUD/FHA, Ginnie Mae, GSE, and state mortgage-servicing rules.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jun 16, 2026 | BTIG | Reiterate | Rating: —Target: $60 | Target: $50 |
| Feb 12, 2026 | BTIG | Reiterate | Rating: —Target: $40 | Target: $60 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $196.6M · Total debt $10.84B · Total assets $12.35B · Shareholders' equity $659.8M
- Revenue
- $282.9M
- Operating income
- $73.4M
- Net income
- −$11.9M
No dividends on record.
| Insiders | 25.45% | 2.13M shares | |
|---|---|---|---|
| 15 holders · as of Jun 15, 2026 | |||
| Strategic holders | 5.77% | 482.1K shares | |
| 1 holder · as of Feb 6, 2024 | |||
| Other | 68.78% | 5.75M shares | |
| remainder | |||
8.35M company shares as of Sep 22, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Leon G. CoopermanInsider | 9.32% | 779,037 | filed Jan 21, 2021 |
Howard AmsterInsider | 6.67% | 556,874 | filed Sep 23, 2022 |
Long Focus Capital Management, LLCInstitution | 6.47% | 540,598 | filed May 15, 2026 |
BlackRock, Inc.Strategic | 5.77% | 482,146 | filed Feb 6, 2024 |
Glen A. MessinaInsiderdirector, officer: President and CEO | 5.46% | 456,313 | filed Apr 7, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
- Rocket Companies
Scaled homeownership platform with dominant servicing and recapture reach
- PennyMac Financial Services
Production and servicing platform with correspondent and direct overlap
- Rithm Capital
Newrez-led origination, servicing, subservicing, and MSR peer
- UWM
Wholesale mortgage leader with large MSR and servicing exposure
- loanDepot
Consumer-direct mortgage lender with servicing recapture overlap
- Finance of America
Reverse-mortgage and home-equity platform tied to the FAR transaction
- Better Home & Finance
AI-native mortgage and home-equity originator with channel pressure
- PennyMac Mortgage Investment Trust
Mortgage REIT competing for MSR and correspondent-production assets
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Onity Group | $32.54 | +2.60% | $267.4M | 2.0 | 6.8 | 0.2 | +14.7% |
| Rocket Companies | $12.78 | +3.40% | $34.90B | 84.7 | 17.9 | 3.6 | +113.7% |
| PennyMac Financial Services | $66.90 | +0.45% | $3.46B | 9.1 | 7.9 | 0.7 | +11.8% |
| Rithm Capital | $9.70 | +1.52% | $5.33B | 15.9 | 4.4 | 0.9 | +205.4% |
| UWM | $1.27 | +0.40% | $1.91B | — | 4.9 | 0.6 | −78.6% |
| loanDepot | $0.7330 | +3.18% | $238.0M | — | 40.0 | 0.2 | +19.4% |
| Finance of America | $15.10 | +3.42% | $130.5M | — | 3.0 | 0.1 | −64.8% |
| Better Home & Finance | $12.83 | +3.29% | $194.6M | — | — | 0.9 | +23.9% |
| PennyMac Mortgage Investment Trust | $9.03 | +1.63% | $774.4M | 6.2 | 7.1 | 0.5 | +1,323.8% |
| Median | 12.5 | 7.1 | 0.6 | +21.7% |