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Onity GroupONIT 59 Debt-to-Equity is 17.54 as of Jun. 2026, which is 18% below its 10-year median of 21.37. 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 1,422 Banks companies, Onity Group ranks worse than 99.37% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Onity Group's Debt-to-Equity or its related term are showing as below:
ONIT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 9.02 Med: 21.37 Max: 35.18
Current: 17.54
During the past 13 years, the highest Debt-to-Equity Ratio of Onity Group was 35.18. The lowest was 9.02. And the median was 21.37.
ONIT's Debt-to-Equity is ranked worse than 99.37% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs ONIT: 17.54
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Onity Group Debt-to-Equity Related Terms
Onity Group Debt-to-Equity Historical Data
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The historical data trend for Onity Group's Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Onity Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Onity Group's Debt-to-Equity 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 Debt-to-Equity of 17.54 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Onity Group and its competitors. This is 18% below median its historical median of 21.37. Over the past decade, Onity Group's Debt-to-Equity has ranged from 9.02 to 35.18. According to the industry distribution chart, Onity Group ranks #1413 out of 1422 companies in the Banks industry, placing it in the top 99.4%.
Is Onity Group's Debt-to-Equity too high?
Onity Group's current Debt-to-Equity of 17.54 is 18% below median its 10-year median of 21.37. Over the past 10 years, this metric has ranged from a low of 9.02 to a high of 35.18. The Banks industry median Debt-to-Equity is 0.58. Onity Group's value of 17.54 is 2924.1% above this industry median. Based on the distribution chart, Onity Group ranks #1413 out of 1422 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-Equity compare to BETR and GHI?
According to the Banks industry distribution chart, Onity Group ranks #1413 out of 1422 companies for Debt-to-Equity. This places Onity Group in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Onity Group's value of 17.54 is 2924.1% above this benchmark. Historically, Onity Group's own Debt-to-Equity has ranged from 9.02 to 35.18 over the past decade. While the company's 10-year median is 21.37 vs. the industry median of 0.58, 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-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Onity Group's current Debt-to-Equity of 17.54 is 2924.1% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Onity Group and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Onity Group's current Debt-to-Equity is 17.54, which is 18% below median its own 10-year median of 21.37. 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 Debt-to-Equity is 17.54, which is 18% below median its 10-year median of 21.37 and 2924.1% above the Banks industry median of 0.58. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Onity Group (ONIT), the current Debt-to-Equity is 17.54 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:
Debt-to-Equity: 17.54 (18% below median its 10-year median of 21.37)
GF Value™: $36.56 vs. price of $38.72 (5.9% above fair value)
Industry Position: 2924.1% above the Banks median (#1413 of 1422)
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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