Ocwen Financial Corp.
Onity Group Inc. is a non-bank mortgage servicer and originator. It provides solutions through its primary brands, PHH Mortgage Corporation, and Liberty Reverse Mortgage. PHH Mortgage provides services in the country, focused on delivering a variety of servicing and lending programs. Liberty is a reverse mortgage lender dedicated to education and providing loans that help customers meet their personal and financial needs. Its segments are Servicing, Originations, and Corporate. Servicing segment comprises two components: its owned MSRs and its subservicing portfolio. The segment invests its capital to fund purchases and originations of its owned mortgage servicing rights (MSRs) and servicing advances. Originations segment purchases MSRs through bulk portfolio purchases, through flow purchase agreements with its network of mortgage companies and financial institutions, and through participation in the Agency Cash Window (or Co-Issue) programs. Its subsidiary is PHH Mortgage Corporation.
Stock Performance Snapshot
Analyst Rating
Analysts strongly recommend buying Ocwen Financial's stock with a target price of $40.67, indicating significant potential growth.
Financial Health
Ocwen Financial Corp. shows strong revenue and cash flow, indicating solid financial performance.
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Baskets Featuring ONIT
The Great Mortgage Privatization
The planned IPOs for mortgage giants Fannie Mae and Freddie Mac signal a historic shift toward privatization in the U.S. housing market. This move stands to benefit not only the investment banks managing the deal but also a wider ecosystem of mortgage lenders and insurers.
Published: August 11, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Fee Income Dynamics
Servicing fee revenue can be steady as long as portfolios remain large, though performance varies with delinquency and prepayment rates.
Operational Focus
Efficiency and compliance improvements can drive value, but past regulatory issues mean governance and controls deserve close attention.
Market Sensitivity
Outcomes are linked to US housing and interest-rate cycles; small market capitalisation can amplify volatility and liquidity risk.
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