Onity Group Inc. (ONIT)vsPennyMac Finl Svcs Inc (PFSI)
ONIT
Onity Group Inc.
$35.55
-2.79%
FINANCIAL SERVICES · Cap: $310.56M
PFSI
PennyMac Finl Svcs Inc
$81.24
-0.36%
FINANCIAL SERVICES · Cap: $4.24B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 199% more annual revenue ($3.32B vs $1.11B). ONIT leads profitability with a 15.8% profit margin vs 15.3%. ONIT appears more attractively valued with a PEG of 0.62. ONIT earns a higher WallStSmart Score of 79/100 (B+).
ONIT
Strong Buy79
out of 100
Grade: B+
PFSI
Buy57
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 55.1%
Every $100 of equity generates 29 in profit
Growing faster than its price suggests
17.8% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 70.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Weak financial health signals
Expensive relative to growth rate
Revenue declined 16.6%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 15.8% and operating margin at 55.1%. Revenue growth of 17.8% demonstrates continued momentum.
Bull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book. Profitability is solid with margins at 15.3% and operating margin at 14.6%.
Bear Case : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow. Debt-to-equity of 25.27 is elevated, increasing financial risk.
Bear Case : PFSI
The primary concerns for PFSI are Piotroski F-Score, PEG Ratio, Revenue Growth. Debt-to-equity of 3.98 is elevated, increasing financial risk.
Key Dynamics to Monitor
ONIT profiles as a growth stock while PFSI is a declining play — different risk/reward profiles.
ONIT carries more volatility with a beta of 1.46 — expect wider price swings.
ONIT is growing revenue faster at 17.8% — sustainability is the question.
PFSI generates stronger free cash flow (-1.2B), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (79/100 vs 57/100), backed by strong 15.8% margins and 17.8% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Onity Group Inc.
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Onity Group Inc., a financial services company, originates and services mortgage loans in the United States, the United States Virgin Islands, India, and the Philippines. The company is headquartered in West Palm Beach, Florida.
PennyMac Finl Svcs Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California.
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