Onity Group Inc. (ONIT)vsRocket Companies Inc (RKT)
ONIT
Onity Group Inc.
$38.47
+3.00%
FINANCIAL SERVICES · Cap: $315.90M
RKT
Rocket Companies Inc
$14.29
+0.85%
FINANCIAL SERVICES · Cap: $39.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Rocket Companies Inc generates 563% more annual revenue ($7.07B vs $1.07B). ONIT leads profitability with a 17.8% profit margin vs -1.0%. RKT appears more attractively valued with a PEG of 0.45. ONIT earns a higher WallStSmart Score of 81/100 (A-).
ONIT
Exceptional Buy81
out of 100
Grade: A-
RKT
Buy55
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.8%
Fair Value
$145.93
Current Price
$38.47
$107.46 discount
Intrinsic value data unavailable for RKT.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 32 in profit
Strong operational efficiency at 52.9%
Growing faster than its price suggests
Revenue surging 29.0% year-over-year
Growing faster than its price suggests
Revenue surging 52.6% year-over-year
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 23.4%
Negative free cash flow — burning cash
Weak financial health signals
ROE of -1.5% — below average capital efficiency
Earnings declined 89.5%
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, Return on Equity. Profitability is solid with margins at 17.8% and operating margin at 52.9%. Revenue growth of 29.0% demonstrates continued momentum.
Bull Case : RKT
The strongest argument for RKT centers on PEG Ratio, Revenue Growth, Price/Book. Revenue growth of 52.6% demonstrates continued momentum. PEG of 0.45 suggests the stock is reasonably priced for its growth.
Bear Case : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow.
Bear Case : RKT
The primary concerns for RKT are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 2.51 is elevated, increasing financial risk.
Key Dynamics to Monitor
ONIT profiles as a growth stock while RKT is a hypergrowth play — different risk/reward profiles.
RKT carries more volatility with a beta of 2.31 — expect wider price swings.
RKT is growing revenue faster at 52.6% — sustainability is the question.
ONIT generates stronger free cash flow (-471M), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (81/100 vs 55/100), backed by strong 17.8% margins and 29.0% revenue growth. Both earn "Exceptional 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.
Rocket Companies Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Rocket Companies, Inc. is engaged in the technology-driven real estate, mortgage and e-commerce businesses in the United States and Canada. The company is headquartered in Detroit, Michigan.
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