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Onity Group cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$577M in Q3 2026 · −$1.8B over twelve months

Operating cash flow$578M
Capital spending−$600K
Free cash flow+$577M
Cash / net income128.4×

Analysis

In Q3 2026, Onity Group generated $578M of operating cash flow and spent $600K on capital projects, leaving free cash flow of $577M. That is $348M more than in Q3 2025 ($229M).

Over the twelve months to Sep 30, 2026, operating cash flow was −$1.8B; the largest uses were operating cash flow ($1.8B), other financing ($958M), capital spending ($3.4M); besides operations, cash came from other investing ($1.7B), net borrowing (+) / repaid (−) ($1.0B); the cash balance rose by $4.6M.

Operating cash flow was $578M against net income of $4.5M — 128.4× profit, cash ran ahead of reported earnings. The largest differences: receivables +$13.5M, deferred taxes +$3.1M, other liabilities +$2.9M.

Free cash flow

Onity Group: free cash flow by quarterOnity Group: free cash flow by quarter−$218MQ4 2024−$148MQ1 2025−$599MQ2 2025$229MQ3 2025−$232MQ4 2025−$1.6BQ1 2026−$517MQ2 2026$577MQ3 2026
Operating cash flow less capital spending.
Onity Group: operating cash flow against capital spendingOnity Group: operating cash flow against capital spendingOperating cash flowCapital spending−$218M$500KQ4 2024−$148M$300KQ1 2025−$599M$0Q2 2025$230M$700KQ3 2025−$231M$1.9MQ4 2025−$1.6B$100KQ1 2026−$516M$800KQ2 2026$578M$600KQ3 2026
Latest (Q3 2026): Operating cash flow $578M, Capital spending $600K.

Capital allocation, year by year

Onity Group: where the cash came from (up) and went (down), by fiscal yearOnity Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow −$468MFY2021: Net borrowing $1.1BFY2021: Shares issued $9.9MFY2021: Capital spending −$3.3MFY2021: Acquisitions −$5.2M$1.1BFY2021FY2022: Operating cash flow $173MFY2022: Net borrowing −$382MFY2022: Capital spending −$5.5MFY2022: Buybacks −$50.0M$173MFY2022FY2023: Operating cash flow $10.4MFY2023: Net borrowing −$236MFY2023: Capital spending −$2.2M$10.4MFY2023FY2024: Operating cash flow −$574MFY2024: Net borrowing $162MFY2024: Shares issued $20.0MFY2024: Capital spending −$800K$182MFY2024FY2025: Operating cash flow −$748MFY2025: Net borrowing −$123MFY2025: Capital spending −$2.9MFY2025
Over these 5 years operating cash flow totalled −$1.6B; the largest uses were operating cash flow ($1.8B) and net borrowing ($741M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$176M
Debtnone
Net cash$176M
Due within a year$2.4B
Cash runway1 month

Onity Group is burning cash: its operations consume cash, a free cash flow of −$1.8B a year at the current rate against $176M of cash and investments: a runway of about 1 month; $2.4B of debt also comes due within a year, which would need refinancing or new money before any new financing.

Onity Group: debt maturities by year (FY2025)Onity Group: debt maturities by year (FY2025)$2.4BYear 1$846MYear 2$584MYear 3$500MYear 4
Principal due in each year as disclosed in the annual report, against $176M of cash and investments now.

Where the cash came from and went

Onity Group: sources (+) and uses (−) of cash, Q3 2026Onity Group: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)−$875MOperating cash flow$578MOther investing$348MOther financing−$161MCash drawn (+) / kept (−)$117MBuybacks−$6.0MCapital spending−$600K
Onity Group: sources (+) and uses (−) of cash, TTM to Q3 2026Onity Group: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow−$1.8BOther investing$1.7BNet borrowing (+) / repaid (−)$1.0BOther financing−$958MCash drawn (+) / kept (−)−$4.6MCapital spending−$3.4M

From profit to cash

Onity Group: net income to operating cash flow, Q3 2026Onity Group: net income to operating cash flow, Q3 2026Net income$4.5MDepreciation & amortization$2.1MStock-based pay$1.1MDeferred taxes$3.1MReceivables$13.5MOther liabilities$2.9MOperating cash flow$578M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$578M−$600K−$6.0M−$875M$117M$577M
Q2 2026−$516M−$800K−$5.9M$471M−$85.7M−$517M
Q1 2026−$1.6B−$100K−$6.1M$1.4B−$42.6M−$1.6B
Q4 2025−$231M−$1.9M—$59.0M$6.7M−$232M
Q3 2025$230M−$700K—−$137M−$14.7M$229M
Q2 2025−$599M——$613M−$19.7M−$599M
Q1 2025−$148M−$300K—$43.6M$28.7M−$148M
Q4 2024−$218M−$500K—−$349M$14.6M−$218M

Onity Group: income statement and cash flow

Onity Group, Q3 2026: revenue $278M (-0.8% year over year), operating margin 57.6%. The chart follows the revenue to costs, profit and cash.

Onity Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.