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Onity GroupONIT +2.94%59 Debt-to-EBITDA is 98.69 as of Jun. 2026, which is 100% above its 10-year median of 49.35. 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 33 Banks companies, Onity Group ranks worse than 93.94% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Onity Group's Debt-to-EBITDA or its related term are showing as below:
ONIT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -31.08 Med: 49.35 Max: 108.23
Current: 54
During the past 13 years, the highest Debt-to-EBITDA Ratio of Onity Group was 108.23. The lowest was -31.08. And the median was 49.35.
ONIT's Debt-to-EBITDA is ranked worse than 93.94% of 33
companies
in the Banks industry
Industry Median: 9.18
vs ONIT: 54.00
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Onity Group Debt-to-EBITDA Related Terms
Onity Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Onity Group's Debt-to-EBITDA 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 Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Onity Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Onity Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Onity Group (ONIT) has a Debt-to-EBITDA of 98.69 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Onity Group. This is 100% above median its historical median of 49.35. According to the industry distribution chart, Onity Group ranks #31 out of 33 companies in the Banks industry, placing it in the top 93.9%.
Is Onity Group's Debt-to-EBITDA too high?
Onity Group's current Debt-to-EBITDA of 98.69 is 100% above median its 10-year median of 49.35. The Banks industry median Debt-to-EBITDA is 9.18. Onity Group's value of 98.69 is 975.1% above this industry median. Based on the distribution chart, Onity Group ranks #31 out of 33 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Debt-to-EBITDA compare to BETR and GHI?
According to the Banks industry distribution chart, Onity Group ranks #31 out of 33 companies for Debt-to-EBITDA. This places Onity Group in the lower half of its industry. The industry median Debt-to-EBITDA is 9.18. Onity Group's value of 98.69 is 975.1% above this benchmark. While the company's 10-year median is 49.35 vs. the industry median of 9.18, 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 Debt-to-EBITDA for a Banks company?
The median Debt-to-EBITDA among Banks companies is 9.18, based on 33 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Onity Group's current Debt-to-EBITDA of 98.69 is 975.1% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Onity Group. For the Banks industry, the median Debt-to-EBITDA is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Onity Group's current Debt-to-EBITDA is 98.69, which is 100% above median its own 10-year median of 49.35. 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 $39.86 — trading 9% above its estimated fair value. The current Debt-to-EBITDA is 98.69, which is 100% above median its 10-year median of 49.35 and 975.1% above the Banks industry median of 9.18. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Onity Group (ONIT), the current Debt-to-EBITDA is 98.69 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 $39.86 is trading 9% above its estimated GF Value™ of $36.56.
GuruFocus considers Onity Group to be Fairly Valued.
Key valuation signals for ONIT:
Debt-to-EBITDA: 98.69 (100% above median its 10-year median of 49.35)
GF Value™: $36.56 vs. price of $39.86 (9% above fair value)
Industry Position: 975.1% above the Banks median (#31 of 33)
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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