ONIT ONITY GROUP INC.

NYSE Mortgage Bankers & Loan Correspondents FL CIK: 0000873860
AI RATING
STRONG_SELL
85% Confidence

Investment Thesis

Company exhibits severe financial distress with catastrophic -$1.6B operating cash flow, inability to cover interest payments (0.2x coverage ratio), and extreme leverage of 11.91x debt/equity. Thin 2.6% net margin and 0.0% ROA reveal an unprofitable business model despite 1745.5% revenue growth, indicating unsustainable operations and acute bankruptcy risk.

Strengths

  • + Revenue growth of 1745.5% YoY demonstrates significant business activity or successful acquisition integration
  • + Operating margin of 21.3% indicates some operational efficiency and cost management
  • + Maintains $182.5M cash balance providing near-term liquidity buffer

Risks

  • ! Operating cash flow of -$1.6B is catastrophic and unsustainable; company burns cash faster than operations generate it
  • ! Interest coverage ratio of 0.2x indicates critical solvency risk; company cannot pay interest from operating income
  • ! Debt/Equity ratio of 11.91x is extreme leverage; any further business deterioration triggers default risk
  • ! Massive $55B gap between operating income ($62.7M) and net income ($7.6M) indicates crushing interest expense burden
  • ! Near-zero returns on assets (0.0% ROA) and equity (1.2% ROE) prove business creates no shareholder value

Key Metrics to Watch

Financial Metrics

Revenue
294.3M
Net Income
7.6M
EPS (Diluted)
$0.74
Free Cash Flow
-1.6B
Total Assets
17.7B
Cash
182.5M

Profitability Ratios

Gross Margin N/A
Operating Margin 21.3%
Net Margin 2.6%
ROE 1.2%
ROA 0.0%
FCF Margin -540.3%

Balance Sheet & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
11.91x
Debt/Assets
96.2%
Interest Coverage
0.20x
Long-term Debt
7.5B
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: 2026-05-06T16:03:35.937110 | Data as of: 2026-03-31 | Powered by Claude AI