Onity Group (FRA:OW0A) Moat Score: 5/10 (As of Jul. 26, 2026)

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FRA:OW0A Onity Group Inc FRA:OW0A
62 GF Score
Price €33.20
GF Value €26.18
! 7 Warning Signs
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What is Onity Group Moat Score?

Onity Group FRA:OW0A -1.19% 62 Moat Score is 5 as of Jul. 26, 2026. GuruFocus rates FRA:OW0A with a GF Score™ of 62/100 and a GF Value™ of €26.18. The stock has 7 warning signs investors should review. Among 1,605 Banks companies, Onity Group ranks better than 94.02% on this metric.

Onity Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Onity Group has Narrow Moat: Onity Group Inc has a solid narrow moat due to its moderate market share and some customer switching costs. The company benefits from a recognizable brand and some proprietary technology, but lacks significant regulatory barriers or a superior distribution network to elevate it to a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Onity Group might have Narrow Moat - Solid narrow moat.

Onity Group  (FRA:OW0A) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Onity Group Moat Score Related Terms

FRA:OW0A vs BETR, GHI, IOR: Moat Score Comparison

For the Mortgage Finance subindustry, Onity Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Onity Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Onity Group's Moat Score falls into.


FRA:OW0A
62GF Score
Onity Group Inc FRA:OW0A
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Onity Group (FRA:OW0A) has a Moat Score of 5 as of Jul. 26, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Onity Group ranks #96 out of 1605 companies in the Banks industry, placing it in the top 6%.
Is Onity Group's Moat Score too high?
Onity Group's current Moat Score is 5. Based on the distribution chart, Onity Group ranks #96 out of 1605 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Onity Group has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Onity Group's Moat Score compare to BETR and GHI?
According to the Banks industry distribution chart, Onity Group ranks #96 out of 1605 companies for Moat Score. This places Onity Group in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Onity Group's current Moat Score is 5. 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?
Onity Group (FRA:OW0A) has a current Moat Score of 5. The stock's GF Value™ is €26.18, compared to a current price of €33.20 — trading 26.8% above its estimated fair value. The current Moat Score is 5. Onity Group's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Onity Group (FRA:OW0A), the current Moat Score is 5 as of Jul. 26, 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 (FRA:OW0A) Overvalued in 2026?

Based on GuruFocus' analysis, Onity Group stock appears to be overvalued. The current stock price of €33.20 is trading 26.8% above its estimated GF Value™ of €26.18.

Key valuation signals for FRA:OW0A:

  • Moat Score: 5
  • GF Value™: €26.18 vs. price of €33.20 (26.8% above fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the FRA:OW0A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Onity Group Business Description

Other Exchanges ONIT:USA0KAS:UK
Address 1661 Worthington Road, Suite 100, West Palm Beach, FL, USA, 33409
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.
62GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€33.20
Price
€26.18
GF Value