Onity Group Inc. (ONIT)vsUWM Holdings Corp (UWMC)
ONIT
Onity Group Inc.
$34.34
-0.69%
FINANCIAL SERVICES · Cap: $284.89M
UWMC
UWM Holdings Corp
$1.35
+0.75%
FINANCIAL SERVICES · Cap: $3.98B
Smart Verdict
WallStSmart Research — data-driven comparison
UWM Holdings Corp generates 155% more annual revenue ($2.93B vs $1.15B). ONIT leads profitability with a 12.3% profit margin vs -1.3%. ONIT earns a higher WallStSmart Score of 74/100 (B).
ONIT
Strong Buy74
out of 100
Grade: B
UWMC
Hold35
out of 100
Grade: F
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 50.9%
Every $100 of equity generates 29 in profit
Growing faster than its price suggests
Earnings expanding 277.8% YoY
Every $100 of equity generates 29 in profit
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 70.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Revenue declined 70.6%
Distress zone — elevated risk
Currently unprofitable
Operating margin of -111.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : ONIT
The strongest argument for ONIT centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 14.7% demonstrates continued momentum. PEG of 0.62 suggests the stock is reasonably priced for its growth.
Bull Case : UWMC
The strongest argument for UWMC centers on EPS Growth, Return on Equity.
Bear Case : ONIT
The primary concerns for ONIT are Market Cap, EPS Growth, Free Cash Flow. Debt-to-equity of 16.43 is elevated, increasing financial risk.
Bear Case : UWMC
The primary concerns for UWMC are Revenue Growth, Altman Z-Score, Profit Margin. Debt-to-equity of 109.53 is elevated, increasing financial risk.
Key Dynamics to Monitor
ONIT profiles as a value stock while UWMC is a turnaround play — different risk/reward profiles.
UWMC carries more volatility with a beta of 1.82 — expect wider price swings.
ONIT is growing revenue faster at 14.7% — sustainability is the question.
UWMC generates stronger free cash flow (335M), providing more financial flexibility.
Bottom Line
ONIT scores higher overall (74/100 vs 35/100) and 14.7% revenue growth. Both earn "Strong Buy" and "Hold" 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.
UWM Holdings Corp
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
UWM Holdings Corporation is engaged in the residential mortgage loan business in the United States. The company is headquartered in Pontiac, Michigan.
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