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Onity GroupONIT 59 Cash Ratio is 1.03 as of Jun. 2026, which is 27% above its 10-year median of 0.81. GuruFocus rates ONIT with a GF Score™ of 59/100 and a GF Value™ of $36.56 (Fairly Valued). The stock has 7 warning signs investors should review. Among 44 Banks companies, Onity Group ranks better than 52.27% on this metric.
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Onity Group Cash Ratio Related Terms
Onity Group Cash Ratio Historical Data
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The historical data trend for Onity Group's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, Onity Group's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Onity Group Cash Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Onity Group's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Onity Group's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Onity Group (ONIT) has a Cash Ratio of 1.03 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Onity Group and its competitors. This is 27% above median its historical median of 0.81. Over the past decade, Onity Group's Cash Ratio has ranged from 0.25 to 1.30. According to the industry distribution chart, Onity Group ranks #21 out of 44 companies in the Banks industry, placing it in the top 47.7%.
Is Onity Group's Cash Ratio too high?
Onity Group's current Cash Ratio of 1.03 is 27% above median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 1.30. The Banks industry median Cash Ratio is 0.73. Onity Group's value of 1.03 is 41.1% above this industry median. Based on the distribution chart, Onity Group ranks #21 out of 44 companies in the Banks industry, which is above the industry midpoint. Overall, Onity Group has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Onity Group's Cash Ratio compare to BETR and GHI?
According to the Banks industry distribution chart, Onity Group ranks #21 out of 44 companies for Cash Ratio. This puts Onity Group in the upper half of its industry. The industry median Cash Ratio is 0.73. Onity Group's value of 1.03 is 41.1% above this benchmark. Historically, Onity Group's own Cash Ratio has ranged from 0.25 to 1.30 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 0.73, Onity Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Banks company?
The median Cash Ratio among Banks companies is 0.73, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Onity Group's current Cash Ratio of 1.03 is 41.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Onity Group and its competitors. For the Banks industry, the median Cash Ratio is 0.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Onity Group's current Cash Ratio is 1.03, which is 27% above median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Onity Group stock overvalued right now?
Based on GuruFocus' analysis, Onity Group (ONIT) is currently considered Fairly Valued. The stock's GF Value™ is $36.56, compared to a current price of $38.72 — trading 5.9% above its estimated fair value. The current Cash Ratio is 1.03, which is 27% above median its 10-year median of 0.81 and 41.1% above the Banks industry median of 0.73. Onity Group's overall GF Score™ is 59/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Onity Group (ONIT), the current Cash Ratio is 1.03 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Onity Group (ONIT) Overvalued in 2026?
Based on GuruFocus' analysis, Onity Group stock appears to be overvalued.
The current stock price of $38.72 is trading 5.9% above its estimated GF Value™ of $36.56.
GuruFocus considers Onity Group to be Fairly Valued.
Key valuation signals for ONIT:
Cash Ratio: 1.03 (27% above median its 10-year median of 0.81)
GF Value™: $36.56 vs. price of $38.72 (5.9% above fair value)
Industry Position: 41.1% above the Banks median (#21 of 44)
No single metric tells the full story. See the ONIT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Onity Group Inc is a non-bank mortgage servicer and originator providing solutions through its brands, PHH Mortgage and Liberty Reverse Mortgage. PHH Mortgage is one of the servicers in the country that focused on delivering a variety of servicing and lending programs and Liberty is one of the nation's reverse mortgage lenders dedicated to education and providing loans that help customers meet their personal and financial needs.
59GF Score
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