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ONIT Onity Group Inc.
Banks, Insurers & Asset Managers
F 30.0 / 100 pillar composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

⚠ Negative tangible book value combined with negative free cash flow — balance sheet is impaired and operating cash generation cannot rebuild it.

Grade overrides the 30.0 pillar composite — hard gates always win.

Profitability

Weight: 25%
C 55

Scored using ROA (NIM proxy) — financial-archetype substitution.

  • 5yr Avg ROA 0.3%
  • Operating Margin Trend +6.49 pp/yr

Capital Efficiency

Weight: 20%
C+ 60

Scored using ROTCE — financial-archetype substitution.

  • 5yr Avg ROTCE 6.5%
  • 5yr Share-Count CAGR -2.1%

Growth Quality

Weight: 10%
A 91

Scored using BVPS — financial-archetype substitution.

  • 5yr BVPS CAGR 9.2%
  • 5yr EPS CAGR 82.6%
  • Positive-EPS Years (5) 4/5

Cash Generation

Weight: 5%
F 0

Scored using OCF/NI — banks have no FCF concept.

  • 5yr OCF/NI -10.57x

Balance Sheet

Weight: 30%
F 18

Scored using Equity/Assets — financial-archetype substitution.

  • Equity / Assets 3.9%
  • Interest Coverage (EBIT/Int) 1.20x

Stability

Weight: 10%
F 20
  • EPS Volatility (σ/μ) 1.22
  • Piotroski F-Score 3
  • Negative-Revenue Years (5) 3/5

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.