Onity Group Inc. (ONIT)vsRocket Companies Inc (RKT)
ONIT
Onity Group Inc.
$35.55
-2.79%
FINANCIAL SERVICES · Cap: $310.56M
RKT
Rocket Companies Inc
$12.65
-4.38%
FINANCIAL SERVICES · Cap: $36.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Rocket Companies Inc generates 702% more annual revenue ($8.91B vs $1.11B). ONIT leads profitability with a 15.8% profit margin vs 2.7%. RKT appears more attractively valued with a PEG of 0.44. ONIT earns a higher WallStSmart Score of 79/100 (B+).
ONIT
Strong Buy79
out of 100
Grade: B+
RKT
Buy60
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
Growing faster than its price suggests
Revenue surging 167.1% year-over-year
Reasonable price relative to book value
Strong operational efficiency at 28.1%
Generating 1.8B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 70.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
ROE of 1.0% — below average capital efficiency
2.7% margin — thin
Elevated debt levels
Weak financial health signals
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 : RKT
The strongest argument for RKT centers on PEG Ratio, Revenue Growth, Price/Book. Revenue growth of 167.1% demonstrates continued momentum. PEG of 0.44 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. Debt-to-equity of 25.27 is elevated, increasing financial risk.
Bear Case : RKT
The primary concerns for RKT are Return on Equity, Profit Margin, Debt/Equity. Thin 2.7% margins leave little buffer for downturns.
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 2.20 — expect wider price swings.
RKT is growing revenue faster at 167.1% — sustainability is the question.
RKT generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (79/100 vs 60/100), 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.
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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