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Onity Group (ONIT) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Onity Group (ONIT) Q3 2026 earnings results →
Q3 2026 Revenue down 1% year over year to $278M · 2¢ of every $1 of revenue kept as net profit · operating margin 57.6%
Onity Group made $278M in Q3 2026 (-0.8% Y/Y). Operating margin 57.6%, net earnings $4.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $278.1M in Q3 2026, down 1% year over year and down 2% from the previous quarter.
Operating profit was $160.2M, a 57.6% margin (up 2.5 points year over year). Total costs fell 6% while revenue fell 1%. Net earnings were $4.5M, down 76% year over year. The effective tax rate was 51.6%.
Operating cash flow was $577.6M (up 152% year over year), 12836% of net earnings. Non-cash charges added back $2.1M of depreciation and amortization and $1.1M of share-based compensation. Working capital and other items added $569.9M. Capital expenditures of $600K left free cash flow of $577.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $278M | -0.8% | 57.6% | $4.5M | $578M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $283M | +15% | 50.9% | −$11.8M | −$516M |
| Q1 2026 | 10-Q | May 5, 2026 | $294M | +18% | 55.1% | $7.6M | −$1.6B |
| Q4 2025 | 10-K | Feb 17, 2026 | $290M | +29% | 52.9% | $127M | −$231M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $280M | +6% | 55.1% | $18.7M | $230M |
| Q2 2025 | 10-Q | Aug 5, 2025 | $247M | +0.1% | 55.6% | $21.5M | −$599M |
| Q1 2025 | 10-Q | Apr 30, 2025 | $250M | +4% | 52.0% | $22.1M | −$148M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Onity Group
When we use the terms “Onity,” “ONIT,” “we,” “us” and “our,” we are referring to Onity Group Inc. and its consolidated subsidiaries. We are a financial services company that services and originates both forward and reverse mortgage loans, through our primary brands, PHH Mortgage and Liberty Reverse Mortgage. We are a leader in the servicing industry that is focused on creating positive outcomes for homeowners, clients, and investors. This long-standing core competency continues to be a guiding principle as we seek to grow our business and improve our financial performance.
In its own words, from its 10-K, filed Feb 17, 2026.
Onity Group against its Mortgage Bankers & Loan Correspondents peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -0.8% against the peers' median -4%. Operating margin: 57.6% against the peers' median 9.4%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ONIT Onity Group | Q3 2026 | $278M | -0.8% | 57.6% |
| RKT Rocket Companies | Q3 2026 | $3.3B | +94% | 29.2% |
| UWMC UWM Holdings | Q3 2026 | $811M | -4% | 27.6% |
| PFSI PennyMac Financial Services | Q3 2026 | $469M | -26% | 9.1% |
| FOA Finance of America Companies | Q2 2026 | $62.5M | -65% | -113.7% |
| Korth Direct Mortgage | Q2 2026 | $3.3M | -21% | 9.4% |
| BLNE Beeline Holdings | Q2 2026 | $2.6M | +57% | -171.0% |
Source: Onity Group 10-Q on SEC EDGAR · CIK 873860 · Mortgage Bankers & Loan Correspondents
Guidance and outlook
13F: who owns ONIT and who is buying
More on ONIT
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results