What is the 13F Pro Quality Score for ONIT?

13F Pro ranks ONITY GROUP INC. (ONIT) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ONIT's current score at https://13fpro.ai/company/ONIT (free sign-up required for the full ranking).

Where does 13F Pro source ONIT data?

All ONITY GROUP INC. fundamentals and ownership data come directly from SEC EDGAR. ONITY GROUP INC. files with the SEC under CIK 873860. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ONIT in?

ONITY GROUP INC. (ONIT) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives ONIT's revenue?

Per ONITY GROUP INC.'s latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Servicing ($233.6M, -3% QoQ); Originations ($49.3M, -9% QoQ); Servicing and subservicing fees ($229.3M, +3% QoQ). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ONIT.

What are ONIT's largest expenses?

ONITY GROUP INC.'s latest 10-Q reports these as the largest expense items: Compensation and benefits ($69.8M, flat QoQ); Servicing and origination ($23.1M, +25% QoQ); Professional services ($16.7M, +13% QoQ). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is ONIT research updated on 13F Pro?

ONIT's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

ONITY GROUP INC.(ONIT)Stock Analysis

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SEC EDGAR: CIK 873860 ONIT stock profile & AI dashboard →

13F Pro Quality Score

58.3/100

Rank #1,023 of 2,961 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

48.4/100

Profitability

75.9/100

Balance Sheet

41.9/100

Earnings Quality

1.8/100

Free Cash Flow

4.8/100

Institutional Flow

54.6/100

Revenue Scale

52.5/100

Dilution Risk

66.8/100

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Why ONIT Scores 58/100

exact factor attribution · 2026-09-11

ONIT's composite is driven by profitability and earnings growth, held back by free cash flow and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+5.2 pts

76th pct

Earnings growth

+2.7 pts

90th pct

Shareholder dilution

+1.1 pts

67th pct

Scale

+0.5 pts

53th pct

Institutional flow

+0.3 pts

55th pct

Revenue growth

-0.4 pts

48th pct

Capital efficiency

-1.1 pts

42th pct

Earnings quality

-4.8 pts

2th pct

Free cash flow

-6.8 pts

5th pct

Latest change (2026-08-06): 54 → 49 · ↓ Dilution 67→15; ↓ Earnings growth 94→78

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ONIT Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for ONITY GROUP INC. (ONIT), a Financials sector company. 13F Pro's AI-powered ranking engine scores ONIT at 58.3/100 on a 32-signal composite quality model, placing it at rank #1,023 of 2,961 stocks — the top half of the AI-ranked universe. ONIT scores in the top quartile across profitability (75.9). Areas of concern include earnings quality (1.8) and free cash flow (4.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), ONITY GROUP INC. reports quarterly revenue of $282.9M, net income of $-11.9M, free cash flow of $-516.9M. Top institutional holders of ONIT by reported 13-F value include AMERICAN CENTURY COMPANIES, Long Focus Capital Management, BlackRock, based on the most recent SEC filings. ONIT trades on the NYSE exchange and files with the SEC under CIK 873860. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ONIT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ONITY GROUP INC. directly from SEC EDGAR. ONITY GROUP INC.'s 13F Pro composite quality score has ranged between 47 and 66 since 2024, currently 58.3 — an improving long-term trajectory across 55 quarterly and live scoring snapshots.

✦

Fun facts about ONITY GROUP INC.

Quirks, history, and lore behind ONIT — the kind of stuff that makes a stock memorable.

1
The Basics
A non-bank financial services company · listed on NYSE · headquartered in Florida · operates in the residential mortgage space.
2
The Numbers
A small-cap firm that nonetheless manages a massive portfolio of mortgage loans — servicing is the business, not originating, so the balance sheet looks nothing like the book it manages.
3
The History
Founded in the early 1990s, it grew into one of the largest non-bank mortgage servicers in the U.S., specializing in loans that big banks didn't want to touch — think subprime and non-prime portfolios.
4
The Secret
The company collected regulatory heat for years over its servicing practices, racking up settlements with state and federal regulators — making its legal filings almost as long as its loan tapes.
5
The Lore
It spent decades operating under its original name before a full corporate rebrand in the 2020s — swapping out a name that had become regulatory shorthand for controversy.
6
The Giveaway
Formerly known as Ocwen Financial, this mortgage servicer shed that loaded name and re-emerged as a four-letter ticker with a fresh identity — same loans, new letterhead.

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What's Driving ONIT's Business? Latest 10-Q Breakdown

✓ 21/21 datapoints verified

AI-extracted from ONITY GROUP INC.'s 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Onity posted a $11.9 million net loss in Q2 FY2026 as total revenue fell 4% QoQ to $282.9 million and MSR valuation losses widened to $70.5 million amid the Rithm subservicing wind-down and reverse-mortgage exit to FAR.

Biggest Revenue Drivers

Servicing$233.6M-3% QoQ

Decline driven by a $12.0 million decrease in Gain on reverse loans and HMBS-related borrowings from less favorable yield spread tightening, partly offset by higher servicing and subservicing fees from MSR growth.

Originations$49.3M-9% QoQ

Lower Gain on loans held for sale in the Consumer Direct channel due to volume headwinds as higher rates drove lower lock volumes and margins, partly offset by Correspondent channel gains.

Biggest Revenue Drivers

Total revenue: $282.9M-4% QoQ

Servicing$233.6M-3% QoQ

Within Servicing

Servicing and subservicing fees$229.3M+3% QoQ

Increase driven by higher float earnings and higher servicing fees on MSR growth (4% increase in average servicing UPB).

Originations$49.3M-9% QoQ

Lower Gain on loans held for sale in the Consumer Direct channel due to volume headwinds as higher rates drove lower lock volumes and margins, partly offset by Correspondent channel gains.

Within Originations

Gain on loans held for sale, net$33.0M

Decrease in Consumer Direct channel gain due to volume headwinds, partly offset by higher gains in the Correspondent channel from higher volumes, higher margins and favorable execution.

Largest Expense Items

Compensation and benefits$69.8Mflat QoQ

Higher incentive compensation from stock price gains offset by lower severance and salaries in Servicing tied to the Rithm subservicing wind-down.

Servicing and origination$23.1M+25% QoQ

Higher indemnification provision expense in Servicing related to the FAR transaction and increased indemnification provision in Originations.

Professional services$16.7M+13% QoQ

Increase primarily attributed to certain corporate development initiatives.

Margins: MSR valuation adjustments, net worsened to a $70.5 million loss in Q2 from $69.0 million in Q1, driven by unfavorable interest rate changes net of hedging, partly offset by less unfavorable prepayment speed assumption updates; operating expenses rose 5% QoQ.

Watch Items from the Filing

Rithm's subservicing termination (effective Jan 31, 2026) moved $21.2 billion of UPB off Onity's platform in Q2; roughly $3.4 billion of the remaining $6.8 billion RMSR UPB may not receive required consents to transfer.
Onity closed the sale of ~20,000 HECM loans and $5.5 billion of HMBS-related borrowings to FAR on June 30, 2026, and will not originate new reverse mortgages for five years except recapture activity.
MAV represents $37.7 billion UPB (11% of total serviced UPB) generating $27.9 million of servicing/subservicing fees (8% of total) in H1 2026, a concentrated subservicing relationship.
USVI filed suit on April 30, 2025 alleging Onity failed to meet conditions for benefits under its Economic Development Commission Certificate; Onity's motion to dismiss remains pending.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$282.9M

Net Income

Q2 2026

$-11.9M

Free Cash Flow

Q2 2026

$-516.9M

ROIC

Q2 2026

-7.8%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+9.3% YoY

$1.07BFY 2025

FY22 $953.9MFY23 $1.07BFY24 $976.0MFY25 $1.07B

Net Income

+459.0% YoY

$189.5MFY 2025

FY22 $25.7MFY23 $-63.7MFY24 $33.9MFY25 $189.5M

EPS (Diluted)

+419.6% YoY

$21.46FY 2025

FY22 $2.85FY23 $-8.34FY24 $4.13FY25 $21.46

Total Assets

-1.6% YoY

$16.17BFY 2025

FY22 $12.40BFY23 $12.51BFY24 $16.44BFY25 $16.17B

Op. Cash Flow

-30.4% YoY

$-748.0MFY 2025

FY22 $173.2MFY23 $10.4MFY24 $-573.8MFY25 $-748.0M

Free Cash Flow

-30.7% YoY

$-750.9MFY 2025

FY22 $167.7MFY23 $8.2MFY24 $-574.6MFY25 $-750.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.07B +9.3%	$976.0M -8.5%	$1.07B +11.8%	$953.9M -9.2%	$1.05B +9.3%	$960.9M
Net Income	$189.5M +459.0%	$33.9M +153.2%	$-63.7M -347.9%	$25.7M +42.0%	$18.1M +145.0%	$-40.2M
EPS (Diluted)	$21.46 +419.6%	$4.13 +149.5%	$-8.34 -392.6%	$2.85 +47.7%	$1.93 +142.0%	$-4.59
Total Assets	$16.17B -1.6%	$16.44B +31.3%	$12.51B +0.9%	$12.40B +2.1%	$12.15B +14.0%	$10.65B
Operating Cash Flow	$-748.0M -30.4%	$-573.8M -5617.3%	$10.4M -94.0%	$173.2M +137.0%	$-468.4M -279.5%	$261.0M
Free Cash Flow	$-750.9M -30.7%	$-574.6M -7107.3%	$8.2M -95.1%	$167.7M +135.6%	$-471.7M -283.6%	$256.9M

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Available Research

13F Pro tracks comprehensive data for ONITY GROUP INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ONIT

AMERICAN CENTURY COMPANIES INC
$21.8M548,061 sh
Long Focus Capital Management, LLC
$21.5M540,598 sh
BlackRock, Inc.
$21.3M536,385 sh
DIMENSIONAL FUND ADVISORS LP
$19.2M482,648 sh
VANGUARD CAPITAL MANAGEMENT LLC
$11.7M293,391 sh
Deer Park Road Corp
$10.1M254,054 sh
PRESCOTT GROUP CAPITAL MANAGEMENT, L.L.C.
$8.5M212,585 sh
AQR CAPITAL MANAGEMENT LLC
$7.3M184,235 sh
GEODE CAPITAL MANAGEMENT, LLC
$7.0M175,459 sh
STATE STREET CORP
$5.9M148,390 sh

Fund	Value	Shares
AMERICAN CENTURY COMPANIES INC	$21.8M	548,061
Long Focus Capital Management, LLC	$21.5M	540,598
BlackRock, Inc.	$21.3M	536,385
DIMENSIONAL FUND ADVISORS LP	$19.2M	482,648
VANGUARD CAPITAL MANAGEMENT LLC	$11.7M	293,391
Deer Park Road Corp	$10.1M	254,054
PRESCOTT GROUP CAPITAL MANAGEMENT, L.L.C.	$8.5M	212,585
AQR CAPITAL MANAGEMENT LLC	$7.3M	184,235
GEODE CAPITAL MANAGEMENT, LLC	$7.0M	175,459
STATE STREET CORP	$5.9M	148,390

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Is ONIT a good stock to buy?

13F Pro's AI-powered analysis of ONITY GROUP INC. (ONIT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ONIT are available on the ONIT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. ONIT is classified as a small company.

Which hedge funds own ONIT?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ONIT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ONITY GROUP INC.'s investment landscape.